Golden 1 Credit Union
8945 Cal Center Drive
Sacramento, CA 95826
1-877-GOLDEN 1 (1-877-465-3361)
Telecommunications Devices for the Deaf: 916-363-7407
golden1.com

Platinum Secured Credit Card Agreement, Pledge, and Assignment of Shares ("Pledge") and Security Agreement

SECURITY AGREEMENT:

Your Platinum  Secured  credit  card  account  ("Account")  and  your  Visa  Platinum  Secured  credit  card  ("Card")  are  secured  by
your share account called the Collateral Account that you established separately (“Collateral Account”). The Collateral Account
secures all obligations that you incur in connection with the Card. In this Agreement, "You" and "Your" mean any person who
accepts  this  Agreement  or  uses  the  Card.  "We,"  "Us,"  "Our"  and  the  "Credit  Union"  means  Golden  1  Credit  Union  or  its
successors.

The following terms and conditions apply:

Security Interest in Collateral Account. By  establishing the Collateral Account and using your Card, you pledge, assign,
and grant a security interest in all shares, including dividends, in the Collateral Account whether now or hereafter deposited
or accumulated in said account to secure all indebtedness and obligations, including, but not limited to, any and all expenses
and reasonable attorney's fees that the Credit Union incurs in order to enforce this Pledge or to collect on the Card. If you
are not a Wisconsin resident or the Wisconsin Consumer Act does not apply to your Card, you also agree that this Pledge
also secures any and all expenses and reasonable attorney's fees that the Credit Union incurs in order to enforce this Pledge
or to collect on the Card. The Credit Union also has a lien on the Collateral Account under applicable law. The granting of this
security interest is a condition for the issuance of your Card.
You must maintain in the Collateral Account an amount equal to 100% of the credit limit of the Card ("Secured Amount").
You may not withdraw amounts from the Collateral Account for as long as there is a balance owing on your Card, or
until  the  Credit  Union  agrees  to  release  all  or  part  of  the  pledged  amount,  if  such  withdrawal  would  cause  the
Collateral Account balance to fall below the Secured Amount.

Security Interest in Other Deposits. You also agree to provide additional security (either of shares or otherwise) if we so
request.  In  addition,  your  Card  is  secured  by  all  other  shares  you  have  in  any  individual  or  joint  account  with  the  Credit
Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment
under  state  or  federal  law  if  given  as  security. These  other  shares  may  be  withdrawn  unless  you  are  in  default  under  this
Pledge or your Credit Card Agreement. Collateral securing other loans you have with the Credit Union may also secure this
loan, except that a dwelling and non-purchase-money household goods will never be considered as security for your Card,
notwithstanding anything to the contrary in any other agreement.

Default. Upon  any default under this Agreement or if your Account is closed for any reason, you agree that, in addition to any
other  rights  we  may  have,  we  have  the  right  to  redeem,  collect  and  withdraw  any  part  or  the  full  amount  on  deposit  in  the
Collateral Account without notice to you or demand for payment, and apply these funds toward any outstanding obligations on
your Account. Any excess funds remaining in the Collateral Account will be transferred to your primary savings account with us.
If the funds in your Collateral Account are insufficient to cover all your obligations on the Account, you will be responsible for the
repayment of any remaining balance.

Dividends. The Collateral Account is a dividend bearing account, and we will pay dividends on the funds held in the Collateral
Account. Dividends will be added to the Collateral Account and will secure repayment of your obligations on the Account.

Additional Agreements. In  addition  to  this  Pledge,  you  agree  to  abide  by  the  terms  of  the  Disclosure  of Account  Opening,
Share Account/Signature Card, Credit Application, Credit Card Agreement, and any other documents executed and/or agreed to
by you in connection with the Card and Collateral Account ("Additional Agreements"). Those Additional Agreements are hereby
incorporated as if fully set forth herein, and this Pledge is hereby incorporated into each of the Additional Agreements as if fully
set forth therein.

Governing Law. This Pledge shall be governed by the laws of the State of California.

9027, 9011 LASER FPDF FI1000452 Rev 5-2019

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

CREDIT CARD AGREEMENT
IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "ACCOUNT"  MEANS YOUR  CREDIT CARD ACCOUNT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  GOLDEN  1  CREDIT
UNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN APPLY
YOUR SHARES TO THE AMOUNT YOU OWE.
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other
account that would lose special tax treatment under state or federal law if
given are not subject to this security interest.

YOUR RESPONSIBILITIES
Promise  To  Pay.  You  promise  to  pay  us  in  U.S.  dollars  for  (a)  all  purchases,
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you
authorize to use the Card; (b) all interest charges and all other charges or fees
as  allowed  by  law;  (c)  collection  costs  and  attorney's  fees  as  permitted  by
applicable law, and any costs incurred in the recovery of the Card as allowed by
applicable law; and (d) credit in excess of your credit limit that we may extend to
you.  We  may  limit  or  close  your Account,  but  the  terms  of  this Agreement  will
apply until you repay us in full.
Joint Accounts.  Each  of  you  will  be  responsible,  jointly  and  severally,  for  the
repayment of amounts owed, regardless of who initiated any transaction under
the Account. If you close your joint Account, you will continue to be jointly and
severally  obligated  to  repay  the  outstanding  balance  of  the Account  under  the
terms of this Agreement.
Others Using Your Account. If you request, we may issue Cards to authorized
users  that  allow  access  your Account.  Use  of  your Account  by  an  authorized
user  is  subject  to  the  terms  of  this  Agreement.  You  understand  that  an
authorized user will have access to your Account and Account information. You
are  responsible  for  any  use  of  your Account  by  an  authorized  user  or  anyone
else  that  you  permit  to  use  your  Account.  You  must  notify  us  if  you  want  an
authorized  user  to  stop  using  your Account.  If  an  authorized  user  is  removed
from your Account, you will be mailed a new Card with a new number.
Notification of Address Change. You will notify us promptly if you change your
address for any reason. In order to prevent identity theft, your identity may need
to be verified before we act upon the notification.

USING YOUR ACCOUNT
Your Card. Please sign the Card immediately after you receive it. The Card is
valid  during  the  dates  provided  on  the  front.  We  may  replace  your  Card  with
another  card  at  any  time.  You  agree  to  take  reasonable  steps  to  prevent  the
unauthorized use of your Card and Account. Each Card issued on your Account
is our property, and you agree to return it to us or destroy it upon our request.
Use  of  your  Card  is  subject  to  the  terms  of  the  Visa  Core  Rules  and  Visa
Product and Service Rules, as those rules may be revised from time to time.
Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from  any
merchant who honors your Card, and you may obtain cash advances from any
Golden  1  branch  or  other  financial  institution  or  Automated  Teller  Machine
("ATM")  that  accepts  the  Card,  up  to  your  allowable  limit.  You  agree  not  to
present  your  Card  or  obtain  a  cash  advance  for  any  extension  of  credit  in
excess of your available credit limit; however, if you do exceed your credit limit,
you agree to make immediate payment sufficient to bring the balance below the
credit limit. Certain purchases and cash advances require authorization prior to
completion  of  the  transaction.  In  some  cases,  you  may  be  asked  to  provide
identification.  If  our  system  is  not  working,  we  may  not  be  able  to  authorize  a
transaction,  even  though  you  have  sufficient  credit  available. Also,  for  security
reasons, we may block the use of your Card in certain countries or geographic
areas. We will have no liability to you or others if any of these events occur.
Credit Limit. Your credit limit is disclosed to you when you open your Account
and on each monthly billing statement. Purchases will not be authorized if they
exceed your available credit limit. Your Account balance may exceed your credit
limit due to interest and/or fees that are imposed on your Account. You must pay
the excess amount immediately. You are responsible for the total balance at all
times,  even  if  your  balance  exceeds  your  credit  limit.  We  may  change  your
credit  limit  at  any  time.  If  we  accept  a  payment  from  you  in  excess  of  your
outstanding  balance,  your  available  credit  limit  will  not  be  increased  by  the
amount of the overpayment, nor will we be required to authorize transactions for
an amount in excess of your credit limit.
Personal Identification Number (PIN). We may issue a Personal Identification
Number (PIN) for use with your Card. This PIN is confidential and should not be
disclosed  to  anyone.  You  may  use  your  PIN  and  your  Card  to  access  your
(cid:9)
9027, 9011 LASER FPDF FI1000452 Rev 5-2019

Account, and all sums advanced will be added to your Account balance. In the
event a use of your PIN constitutes an Electronic Funds Transfer, the terms and
conditions of your Electronic Funds Transfer Agreement may affect your rights.
Consumer Purposes. You may use your Account only for personal, family, or
household purposes. You are not permitted to use your Account for business or
commercial  purposes.  If  you  use  your  Account  for  business  purposes,  this
Agreement  still  applies  and  you  must  pay  us  for  the  transactions  incurred.  In
addition, we may close your Account.
Impermissible  Transactions.  We  prohibit  the  use  of  your  Account  for  any
transaction that is unlawful under applicable laws. You must not use or try to use
your  Card  and/or  Account  for  Internet  gambling  or  any  transactions  that  are
illegal  or  not  permitted  by  us. Any  such  use  will  constitute  an  event  of  default
under  this Agreement.  Impermissible  transactions  include  activities  that  abuse
our  products  and  services,  including,  without  limitation,  excessive  cash-
equivalent transactions or a pattern of payments in excess of your outstanding
balance,  and  any  other  activities  deemed  by  us  to  be  suspicious,  fraudulent,
dishonest or deceptive. If you use your Account for such transactions, you agree
that we will have no liability or responsibility for those transactions. In such case,
this  Agreement  still  applies  and  you  must  pay  us  for  those  transactions
according to the terms of this Agreement. You also agree that we will have no
liability  or  responsibility  if  we  decline  such  transactions. You  may  also  have  to
reimburse the payment card network and us for any damages and/or expenses
resulting from that use. If we have reason to believe that your Card is used for
unlawful  or  fraudulent  activities,  Internet  gambling,  or  transactions  deemed  by
us  impermissible  or  likely  to  cause  a  loss  to  Golden  1,  we  may,  at  our  option,
restrict or suspend access to your Account or any of its features, or close your
Account without prior notice.
Third  Party  or  Mobile  Devices.  Smart  phones,  tablets,  and  other  electronic
devices  allow  you  to  store  or  electronically  present  your  Account  information,
and engage in credit transactions without presenting your Card (such as through
a mobile wallet). Any purchases or transactions made through such third party
or mobile devices are covered by this Agreement and subject to its terms and
conditions.  We  do  not  control  third  party  or  mobile  devices  and  cannot
guarantee the performance of any such device or any third party. You agree to
protect the security of the device the same as you would your Card.
Transaction  Limits.  Transaction  limits,  including,  without  limitation,  on  cash
advances  at  an  ATM,  may  be  imposed  for  security  reasons  by  us  or  ATM
owners.
Notice Regarding ATM Fees by Others. When you use an ATM not owned by
us,  you  may  be  charged  a  fee  by  the  ATM  operator  of  any  network  used  to
complete the transaction. You may be charged a fee for a balance inquiry even
if you do not complete a funds transfer. Any such fees must be displayed at the
ATM or point of sale terminal location.

PAYMENTS AND FEES
Billing Statements. You will receive a billing statement in the mail each month
there  is  a  balance  on  your  Account.  You  may  receive  your  billing  statements
electronically by enrolling in Visa Online Statements by signing on to your online
account at www.golden1.com. Your billing statement will provide instructions for
making  payments,  including  the  amounts  due  and  the  due  date  for  receiving
your  payment.  If  applicable,  your  billing  statement  will  show  your  minimum
payment amount, which includes any past due amounts. Your payment due date
is typically the same day of the month every month. You may request a change
to your monthly due date.
Minimum Monthly Payments. To avoid a late payment fee, you must pay us at
least  the  minimum  payment  amount  within  15  days  after  the  date  and  time
provided in the billing statement. The monthly minimum payment will equal 2%
of  the  balance  on  the  date  the  billing  cycle  closes  or  $10.00,  whichever  is
greater.  If  the  balance  is  less  than  $10.00,  your  minimum  payment  will  equal
that amount. You also agree to pay any amount which is past due or over your
credit limit. In addition to the minimum payment due, you may pay all or any part
of  the  entire  outstanding  balance  on  your  Account  at  any  time.  You  can  pay
down  balances  faster  by  paying  more  than  the  minimum  payment  on  your
Account.
Application of Payments. We will apply your payments first to finance charges,
then  to  late  fees  (if  any),  and  then  to  the  principal  balance.  All  payments  in
excess of the minimum monthly payment will be applied first to the balance with
the  highest  interest  rate,  and  then  to  each  successive  balance  with  the  next
highest interest rate, until the payment is exhausted.
Method  of  Payment. You  may  pay  by  check  using  the  remittance  coupon  on
your  billing  statement,  by  automatic  payment  from  your  Golden  1  checking
account,  by  automatic  payment  from  an  account  with  another  financial
institution,  or  online  by  signing  in  to  your  Online  Banking  account  at
www.golden1.com. You may also pay in person at any Golden 1 branch.

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "ACCOUNT"  MEANS YOUR  CREDIT CARD ACCOUNT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  GOLDEN  1  CREDIT
UNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

Payments  received  in  person  by  an  employee  at  a  Golden  1  branch  no  later
than  close  of  business  on  any  business  day  will  be  credited  to  your Account
effective  on  that  day.  Payments  received  after  the  close  of  business  on  any
business day will be credited on the next business day. We do not accept cash
payments  through  the  mail.  All  payments  are  subject  to  verification  and
collection  by  Golden  1.  We  may  accept  and  process  any  payments  marked
“paid in full” without losing our rights. All payments must be in U.S. Dollars.
As long as you make your payment in accordance with the instructions in your
billing  statement  by  the  date  and  time  it  is  due,  we  will  generally  credit  the
payment  to  your Account  as  of  the  day  it  is  received.  If  you  do  not  follow  our
payment instructions, we may not accept your payment or there may be a delay
in crediting your Account.
Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your
balance will increase your total interest costs. Partial payments or prepayments
will  not  delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your
Account  current.  We  may  accept  late  payments,  partial  payments,  checks  or
money orders marked "payment in full" and such action shall not constitute final
settlement  of  your Account  or  a  waiver  or  forgiveness  of  any  amounts  owing
under this Agreement.
Liability for Payments. If your Account is cancelled or closed, whether by you
or  us,  you  remain  obligated  to  pay  the  outstanding  balance  plus  any  interest
charges,  fees  and  other  charges  imposed  on  your  Account.  Any  time  your
payment is returned for insufficient funds, we may place a temporary freeze on
all or part of the credit available to you under this Agreement until your payment
is actually collected by us.

FEES AND FOREIGN CURRENCY CONVERSION
Fees. In addition to the interest charges set forth herein, you agree to also pay
any and all fees that you incur as disclosed to you on your Credit Card Account
Opening  Disclosure  or  similar  disclosures  (as  may  be  amended  from  time  to
time), or as disclosed to you during the term of your Account, and the following
fees:
Late Payment Fee: Up to $15
Expedited Card Fee: $18
Copy of Billing Statement of Transaction Receipt (sales slip): $10
Foreign Transactions; Currency Conversion. Purchases and cash advances
made in foreign currencies will be billed to you in U.S. dollars. The conversion
rate in dollars will be a rate selected by the card network from a range of rates
available  in  wholesale  currency  markets  for  the  applicable  central  processing
date, which rate may vary from the rate the card network itself receives, or the
government- mandated rate in effect for the applicable central processing date
in  each  instance.  Conversion  may  occur  after  the  date  of  the  transaction,  and
the conversion rate in effect on the processing date may differ from the rate in
effect on the transaction date or posting date. All transactions processed outside
of the United States (which may include internet transactions) will be charged a
foreign  transaction  fee  in  the  amount  disclosed  on  your  Credit  Card  Account
Opening Disclosure (as amended from time to time).

ANNUAL PERCENTAGE RATES AND INTEREST CHARGES
Annual Percentage Rate (“APR”). We use APR to calculate interest charges
on  your  Account.  The  APR  is  a  variable  rate  and  may  increase  or  decrease
based on the U.S. Prime Rate as published in the Money Rates section of The
Wall Street Journal. In the event that the Index ceases to be published, changes
to  the  APR  will  be  related  to  a  comparable  Index.  The  APR  for  purchases,
balance transfers, and cash advances, applicable to your Account is determined
by adding a Margin, as set forth in the Credit Card Account Opening Disclosure,
to the Index in effect as of the first day of each billing cycle.
Any increase or decrease to the APR may result in changes to the number of
payments required to repay the unpaid balance.
Interest  Charges. You  agree  to  pay  interest  at  the  rate(s)  disclosed  to  you  at
the  time  you  open  your Account  and  as  may  be  changed  from  time  to  time  in
accordance  with  applicable  law.  We  calculate  interest  on  your  Account  by
applying  the  periodic  rate  to  the  Average  Daily  Balance.  To  determine  the
Average Daily Balance, we take the beginning balance each day, add any new
purchases,  cash  advances,  balance  transfers  or  other  advances,  fees  and
unpaid  interest  charges,  and  subtract  any  payments,  or  credits.  This  gives  us
the daily balance. Then, we add up all the daily balances for the billing cycle and
divide that by the number of days in the billing cycle. This gives us the Average
Daily  Balance.  At  the  end  of  each  billing  cycle,  we  determine  your  interest
charge by multiplying your Average Daily Balance by the monthly periodic rate
(your  applicable  APR  divided  by  12).  In  general,  interest  charges  begin  to
accrue  from  the  date  of  transaction  or  the  date  the  transaction  posts  to  your
Account. Interest charges accrue on every unpaid amount until it is paid in full.

Interest  will  be  assessed  on  fees  and  penalties.  Unless  otherwise  stated,  we
will  charge  interest  starting  on  the  transaction  date  for  all  cash  advances  and
balance  transfers.  Transaction  fees  are  also  included  in  the  calculation  of
interest charges.  If any interest charge is due and not paid, it will be added to
the principal and thereafter bear interest as the principal.
Grace  Period  on  Purchases  Only:  You  can  avoid  interest  charges  on
purchases by paying the entire statement balance for purchases each month by
the date on which the payment is due. Otherwise, the balance for purchases on
your Account, and subsequent advances from the date they are posted to the
Account, will be subject to an interest charge. You cannot avoid interest charges
on cash advances, balance transfers and transaction fees; even if you pay the
entire  cash  advance  balance  or  balance  transfer  balance  by  the  payment  due
date, you will incur the interest charges accrued from the date the cash advance
or balance transfer is posted to your Account.

CANCELLED, LOST OR STOLEN CARDS
Termination; Change-in-Terms. We may, by written notice, terminate, cancel,
or  revoke  your Account,  suspend  your  ability  to  make  charges  or  cancel  any
feature of your Account or your Card at any time, subject to applicable law, even
if  you  are  not  in  default.  You  may  terminate  your  Account  by  written  notice.
Termination by either party shall not affect your obligation to repay any balance
on your Account resulting from use of the Card as well as interest charges and
fees  incurred.  We  may  change  the  terms  of  this  Agreement,  including  the
method of calculating the periodic rate, at any time, by written notice, subject to
applicable  law.  Use  or  activation  of  the  Card  constitutes  agreement  and
acceptance  of  any  change  in  terms,  unless  applicable  law  requires  otherwise.
Our failure to exercise any of our rights or to take any action shall not constitute
a waiver of those rights, or an amendment or change in any of the terms of this
Agreement.
Effect  of  Cancellation.  Cancellation  or  revocation  of  your  Card  will  not  affect
your  obligation  to  pay  any  and  all  amounts  due  under  this Agreement.  If  your
Account is closed or suspended for any reason, you must stop using your Card.
You  must  destroy  all  cancelled  or  expired  Cards  or  return  them  to  us  upon
request. You must also cancel all billing arrangements to the Account. You will
be liable for any automated or recurring charges to your Account even if they are
charged after your Account is closed. You can limit your liability by destroying or
returning the Card(s) to us and cancelling any automated or recurring charges to
your Account.
Unauthorized  Use.  You  agree  to  take  reasonable  steps  to  prevent  the
unauthorized use of your Card and Account. "Unauthorized use" means the use
of  the  Card  by  someone  other than you  who  does not have  actual,  implied or
apparent authority for such use, and from which you receive no benefit. For your
protection,  we  highly  recommend  that  you  continually  monitor  your  monthly
billing  statements  to  identify  any  unauthorized  transactions.  You  will  not  be
responsible  for  charges  made  to  your  Account  that  are  found  by  us  to  be
unauthorized if you notify us of such charges within 60 days after the transmittal
of the periodic billing statement where such charges appear. If your Card and/or
Account  is  used  fraudulently,  you  agree  to  assist  us  in  our  investigation.  Your
help includes giving us documents that we ask for and that are acceptable to us.
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree
to notify us immediately if your Card is ever lost or stolen or if an unauthorized
use  or  fraud  may  have  occurred.  To  report  a  lost  or  stolen  card  or  suspected
unauthorized use, please call us at 1-877-GOLDEN 1 (1-877-465-3361). If you
are  on  vacation  or  out  of  the  country,  Visa  offers  an  emergency  credit  card
replacement  service.  To  contact  Visa  regarding  emergency  credit  card
replacement,  please  call  1-800-VISA-911  (1-800-847-2911),  24  hours  a  day,  7
days  a  week.  You  also  agree  to  assist  us  in  determining  the  facts,
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or
possible unauthorized use of your Card and comply with such procedures as we
may require in connection with our investigation.
DEFAULT; ACCELERATION; CREDIT SUSPENSION; COLLECTION COSTS.
Default:  The  following  provision  applies  to  borrowers  in  Idaho,  Kansas,
and  Maine:  You  will  be  in  default  if  (1)  you  do  not  make  a  payment  of  the
required  amount  when  due;  or  (2)  we  believe  the  prospect  of  payment,
performance,  or  realization  on  any  property  given  as  security  is  significantly
impaired.
The  following  provision  applies  to  borrowers  subject  to  the  Wisconsin
Consumer  Act:  You  shall  be  in  default  under  this  Agreement  if  any  of  the
following occur: (a) you fail to make a payment when due on 2 occasions within
any  12-  month  period;  OR  (b)  you  breach  any  term  or  condition  of  this
Agreement,  which  breach  materially  impairs  your  ability  to  pay  amounts  when
due or materially impairs the condition, value, or protection of our rights to or in
any collateral securing this transaction.

9027, 9011 LASER FPDF FI1000452 Rev 5-2019

page 3 of 5

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE
DESIGNATED BY YOU  UNDER THE TERMS  OF THIS AGREEMENT. "ACCOUNT"  MEANS YOUR  CREDIT CARD ACCOUNT. "WE",  "US",  "OUR" AND THE  "CREDIT UNION"  MEANS  GOLDEN  1  CREDIT
UNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

The following provision applies to all other borrowers: You will be in default if:
(1) you fail to make any payment on time; (2) you fail to keep any promises you
have made under this Agreement or under other Agreements you have with us; (3)
you  die;  (4)  you  file  a  petition  in  bankruptcy  or  have  a  bankruptcy  petition  filed
against you, or if you become involved in any insolvency, receivership or custodial
proceeding;  (5)  anyone  attempts  to  take  any  of  your  funds  held  by  us  via  legal
process or if you have a judgment or tax lien filed against you; (6) you make any
false,  inaccurate,  or  misleading  statements  in  any  credit  application  or  credit
update; (7) we, in good faith, believe that your ability to repay what you owe is or
soon  will  be  impaired,  or  that  you  are  unwilling  to  make  your  payments;  (8)  you
exceed your available credit limit; (9) you become subject to incompetency; (10)
your  payment  is  returned  for  any  reason;  (11)  your  Golden  1  membership  is
terminated or your membership privileges are suspended; or (12) there has been
a material adverse change in your creditworthiness.
Suspension of Electronic Services and Access to Share Accounts. Subject to
applicable  law,  we  may  suspend  some  or  all  electronic  services  and  access  to
your checking or other account(s) if you become delinquent on any of your credit
card or deposit obligations to us or you cause a loss to us. We shall not be liable to
you in any regard in connection with such suspension of services.
Actions  Upon  Default:  If  applicable  law  requires  a  notice  of  default  and  an
opportunity to cure that default, we will grant you those rights before we exercise
our remedies. If you default, upon the expiration of any applicable rights to cure
that default, we may declare all amounts immediately due and payable, and you
must immediately pay us the total unpaid balance (as well as interest charges to
date,  if  allowed  by  applicable  law),  any  late  charges,  and  all  collection  costs
permitted  under  law.  The  principal  balance  in  default  shall  bear  interest  at  the
contract rate, or another rate if required by applicable law. If immediate payment is
demanded, you agree to continue paying interest charges and fees until what you
owe has been paid, and any shares that were given as security for your Account
may be applied towards what you owe. Even if your unpaid balance is less than
your credit limit, you will have no credit available during any time that any aspect of
your Account is in default.
Costs  of  Collection:  You  shall  pay  all  costs  incurred  by  us  in  collecting  any
amount you owe or in enforcing or protecting our rights. Costs of collection include,
but are not limited to, collection agency fees. The following applies to all borrowers
except Wisconsin borrowers: Costs of collection include reasonable attorney's fees
for any action taken by an attorney who is not a salaried employee of the credit
union in order to collect this loan or preserve or protect our rights and remedies,
including,  without  limitation,  pre-suit  demands  for  payment,  pre-suit  mediation  or
settlement negotiations, investigation and assessment of our rights, participation in
bankruptcy  cases,  matters,  and  proceedings  (including,  without  limitation,  filing
proofs  of  claim,  pursuing  reaffirmation  agreements,  attending  meetings  of
creditors, and pursuing complaints, motions, and objections that relate in any way
to  the  Credit  Union's  collateral  or  right  to  payment),  collateral  disposition,  non-
bankruptcy  suits  and/or  administrative  actions,  and  appeals.  For  Alabama
borrowers: attorney's fees after default shall not exceed 15% of the unpaid debt, or
such higher amount as a court may allow. For Georgia borrowers: attorney's fees
shall not exceed 15% of principal and accrued interest, or such higher amount as
a court may allow. For Wisconsin borrowers: We may collect only those costs and
fees allowed by the Wisconsin Consumer Act, other applicable Wisconsin law, or
by a court of competent jurisdiction. For Kansas borrowers: Attorney fees shall not
be  in  excess  of  15%  of  the  unpaid  debt  after  default.  Costs  of  collection  may
include collection agency fees or attorney fees, but not both.

MISCELLANEOUS
Communications.  We  may  send  Card(s),  billing  statements  and  other
communications to you at any mailing address or email address in our records. If
more  than  one  person  is  responsible  for  the  Account,  we  can  provide  billing
statements and communications to only one of you.
When  you  give  us  a  telephone  number  (including  a  cellular  or  mobile  device
number) or place a telephone call to us, you are providing your express consent
permitting us (and any party acting on our behalf) to contact you at that number
about the Account and all of your other Golden 1 accounts. Your consent allows us
to  make  live  telephone  calls,  send  text  messages,  leave  prerecorded  or  artificial
voice messages, and use automatic telephone dialing technology for informational
and Account service purposes. For example, we may place such calls or texts to
provide  certain  notices,  investigate  or  prevent  fraud,  or  contact  you  about  the
amounts you owe to us. This express consent applies to each telephone number
that you provide to us now or in the future. Message and data rates may apply.
You may change your communication preferences at any time by any reasonable
means, 
to
membercare@golden1.com,  or  writing  to  us  at  Golden  1  Credit  Union, Attn:
Member Care, P.O. Box 15966, Sacramento, CA 95852-0966.
Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional  services  to  your Account  at  no  additional  cost  to  you. You  understand
that we are not obligated to offer such services and may withdraw or change them
at any time.
Convenience Checks. We may, at our discretion, issue checks to you which may
be used for any purpose other than making a payment for credit to your Account or

including  calling  us  at  1–877–723-3010,  sending  an  email 

any  other  loan  you  have  with  us  so  long  as  that  purpose  is  consistent  with  the
terms of this Agreement. By signing such check, you authorize us to pay the item
for  the  amount  indicated  and  post  such  amount  as  a  cash  advance  to  your
Account.  We  do  not  have  to  pay  any  item  which  would  cause  the  outstanding
balance in your Account to exceed your credit limit.
Credit Information. We may from time to time request personal information from
you or obtain credit reports from the credit reporting agencies for the purpose of
updating  your  credit  status.  We  may  reduce  your  credit  limit  or  refuse  to  extend
new  credit  as  a  result  of  periodic  review  of  your  creditworthiness. Your  failure  to
provide such information when requested by us may result in suspension of credit
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future
advances by any means. You authorize us to investigate your credit standing when
opening  or  reviewing  your  Account.  You  authorize  us  to  disclose  information
regarding  your  Account  to  consumer  reporting  agencies  and  others.  The
information  we  provide  may  appear  on  your  consumer  reports.  If  you  think  we
provided  incorrect  information,  write  to  us  and  we  will  investigate  in  accordance
with the billing rights provision contained herein. If a credit balance amount of $1
or more remains in the account for more than six months, we will make a good
faith effort to refund the amount to you.
Enforcement. We do not lose our rights under this or any related agreement if we
delay  enforcing  them.  If  any  provision  of  this  or  any  related  agreement  is
determined to be unenforceable or invalid, all other provisions remain in full force
and effect.
Returns and Adjustments. Merchants and others who honor the Card may give
credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a  credit  slip
which will be posted to your Account. We do not control when a merchant sends
us  your  refund.  We  also  need  a  reasonable  amount  of  time  after  we  receive  a
merchant refund to process it. If your credits and payments exceed what you owe
us, the amount will be applied against future purchases and cash advances. If a
credit  balance  amount  of  $1  or  more  remains  in  the  account  for  more  than  six
months, we will make a good faith effort to refund the amount to you.
Merchant  Disputes.  We  are  not  responsible  for  the  refusal  of  any  merchant  or
financial institution to honor your Card. Also, we are not responsible for disputes
regarding  goods  or  services  that  you  purchase  with  the  Card  unless:  (a)  your
purchase  was  made  in  response  to  an  advertisement  we  sent  or  participated  in
sending  you;  or  (b)  your  purchase  cost  more  than  $50  and  was  made  from  a
merchant  in  your  state  or  within  100  miles  of  your  home;  and  only  if  you  have
made a good faith attempt, but have been unable to obtain satisfaction from the
merchant. You must resolve all other disputes directly with the merchant. We do
not warrant any merchandise or services purchased by you with the Card.
Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this
Agreement.
Governing Law. This Agreement shall be construed under federal law and state
law in the state of California. All disputes shall be venued in Sacramento County,
California.  Operating  regulations  of  Visa  may  also  apply.  This Agreement  is  the
contract  that  applies  to  all  transactions  even  though  the  sales,  cash  advance,
convenience check, credit or other slips you sign or receive may contain different
terms.

STATE NOTICES:

NOTICE FOR COSIGNERS IN ARIZONA:
Marital  Community  Property  Joinder:  If  you  are  a  married  Arizona  resident
signing  documents  in  connection  with  this  loan  as  a  cosigner,  your  signature
confirms that this loan obligation is being incurred in the interest of your marriage
or family and that you will promptly notify your spouse and cause your spouse to
consent  to  your  and  your  spouse's  marital  property  being  bound  by  your  loan
obligations  in  accordance  with Ariz.  Rev.  Stat.  §  25-214  or  other  applicable  law.
You  agree  that  the  lender  may  delay  disbursing  your  loan  until  the  lender  has
received your spouse's consent in a form reasonably acceptable to the lender. You
further affirm that no provision of any marital property agreement or court decree
adversely affects your or lenders interest in this loan obligation.
NOTICE TO UTAH BORROWERS: This written agreement is a final expression
of the agreement between you and the Credit Union. This written agreement may
not be contradicted by evidence of any oral agreement.
NOTICES  TO  WISCONSIN  BORROWERS:  (1)  If  you  are  married  and  are
extended individual credit, Wis. Stat. 766.56(3)(b) requires us to notify your spouse
of  the  extension  of  credit.  If  we  receive  written  notice  of  termination  from  your
spouse pursuant to Wis. Stat. Section 766.565(5), we may declare you in default
of  the  Agreement  and  call  the  entire  extension  of  credit  due  and  payable
notwithstanding  Wis.  Stat.  Sections  425.103  and  425.105.  If  the  Agreement  is
called  due  and  payable,  you  may  have  certain  rights  to  cure  the  default.  (2)
Additionally, no provision of a marital property agreement, a unilateral agreement
under  Wis.  Stat.  766.59,  or  a  court  decree  under  Wis.  Stat.  766.70  adversely
affects  our  interests  unless  prior  to  the  time  the  credit  is  extended,  we  are
furnished with a copy of the agreement or statement, or have actual knowledge of
the adverse provision when the obligation is incurred.

9027, 9011 LASER FPDF FI1000452 Rev 5-2019

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”)), and (a) your loan is unsecured or secured by personal property or a vehicle
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
1.

NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive
this notice verbally, please call 844-536-7431 24 hours a day, 7 days a week.

2.

3.

Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from
you in order to exercise your legal rights; or (d) Prepayment penalties.

Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms
and conditions of the consumer credit contract shall remain in full force and effect.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Golden 1 Credit Union
Attention: Card Investigations
P.O. Box 15966
Sacramento, CA 95852-0966
In your letter, give us the following information:

1.
2.
3.

Your name and Account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:

•

•

•

If we made a mistake: You will not have to pay the amount in question or any
interest or other fees related to that amount.

•

If we do not believe there was a mistake: You will have to pay the amount in
question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement of the amount you owe and the date payment is due. We may then
report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we
cannot  report  you  as  delinquent  without  also  reporting  that  you  are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with
your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on
the purchase.
To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card Account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at:
Golden 1 Credit Union
Attention: Card Investigations
P.O. Box 15966
Sacramento, CA 95852-0966
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

9027, 9011 LASER FPDF FI1000452 Rev 5-2019

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.