9011 LASER FPDF FI1000406 Rev 5-2019 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
Golden 1 Credit Union
8945 Cal Center DriveSacramento, CA 958261-877-GOLDEN 1 (1-877-465-3361)Telecommunications Devices for the Deaf: 916-363-7407golden1.com
page 1 of 4PLATINUM REWARDS CREDIT CARD AGREEMENT
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTERESTIN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOWAND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDEDUNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILARSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IFYOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THEAMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any other accountthat would lose special tax treatment under state or federal law if given are notsubject to this security interest.your outstanding balance, your available credit limit will not be increased by theamount of the overpayment, nor will we be required to authorize transactions foran 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 bedisclosed to anyone. You may use your PIN and your Card to access yourAccount, and all sums advanced will be added to your Account balance. In theevent a use of your PIN constitutes an Electronic Funds Transfer, the terms andconditions of your Electronic Funds Transfer Agreement may affect your rights.Consumer Purposes. You may use your Account only for personal, family, orhousehold purposes. You are not permitted to use your Account for business orcommercial purposes. If you use your Account for business purposes, thisAgreement still applies and you must pay us for the transactions incurred. Inaddition, we may close your Account.Impermissible Transactions. We prohibit the use of your Account for anytransaction that is unlawful under applicable laws. You must not use or try to useyour Card and/or Account for Internet gambling or any transactions that are illegalor not permitted by us. Any such use will constitute an event of default under thisAgreement. Impermissible transactions include activities that abuse our productsand services, including, without limitation, excessive cash- equivalent transactionsor a pattern of payments in excess of your outstanding balance, and any otheractivities deemed by us to be suspicious, fraudulent, dishonest or deceptive. If youuse your Account for such transactions, you agree that we will have no liability orresponsibility for those transactions. In such case, this Agreement still applies andyou 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 suchtransactions. You may also have to reimburse the payment card network and usfor any damages and/or expenses resulting from that use. If we have reason tobelieve that your Card is used for unlawful or fraudulent activities, Internetgambling, or transactions deemed by us impermissible or likely to cause a loss toGolden 1, we may, at our option, restrict or suspend access to your Account or anyof its features, or close your Account without prior notice.Third Party or Mobile Devices. Smart phones, tablets, and other electronicdevices allow you to store or electronically present your Account information, andengage in credit transactions without presenting your Card (such as through amobile wallet). Any purchases or transactions made through such third party ormobile devices are covered by this Agreement and subject to its terms andconditions. We do not control third party or mobile devices and cannot guaranteethe performance of any such device or any third party. You agree to protect thesecurity of the device the same as you would your Card.Transaction Limits. Transaction limits, including, without limitation, on cashadvances 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 tocomplete the transaction. You may be charged a fee for a balance inquiry even ifyou do not complete a funds transfer. Any such fees must be displayed at the ATMor point of sale terminal location.PAYMENTS AND FEESBilling Statements. You will receive a billing statement in the mail each monththere is a balance on your Account. You may receive your billing statementselectronically by enrolling in Visa Online Statements by signing on to your onlineaccount at www.golden1.com. Your billing statement will provide instructions formaking payments, including the amounts due and the due date for receiving yourpayment. If applicable, your billing statement will show your minimum paymentamount, which includes any past due amounts. Your payment due date is typicallythe same day of the month every month. You may request a change to yourmonthly due date.Minimum Monthly Payments. To avoid a late payment fee, you must pay us atleast the minimum payment amount within 15 days after the date and timeprovided in the billing statement. The monthly minimum payment will equal 2% ofthe balance on the date the billing cycle closes or $10.00, whichever is greater. Ifthe 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. Inaddition to the minimum payment due, you may pay all or any part of the entireoutstanding balance on your Account at any time. You can pay down balancesfaster by paying more than the minimum payment on your Account.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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDITUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
YOUR RESPONSIBILITIESPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cashadvances, and balance transfers made by you or anyone whom you authorize touse the Card; (b) all interest charges and all other charges or fees as allowed bylaw; (c) collection costs and attorney's fees as permitted by applicable law, andany 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 orclose your Account, but the terms of this Agreement will apply until you repay us infull.Joint Accounts. Each of you will be responsible, jointly and severally, for therepayment of amounts owed, regardless of who initiated any transaction under theAccount. If you close your joint Account, you will continue to be jointly andseverally obligated to repay the outstanding balance of the Account under theterms of this Agreement.Others Using Your Account. If you request, we may issue Cards to authorizedusers that allow access your Account. Use of your Account by an authorized useris subject to the terms of this Agreement. You understand that an authorized userwill have access to your Account and Account information. You are responsible forany use of your Account by an authorized user or anyone else that you permit touse your Account. You must notify us if you want an authorized user to stop usingyour Account. If an authorized user is removed from your Account, you will bemailed a new Card with a new number.Notification of Address Change. You will notify us promptly if you change youraddress for any reason. In order to prevent identity theft, your identity may need tobe verified before we act upon the notification.USING YOUR ACCOUNTYour Card. Please sign the Card immediately after you receive it. The Card isvalid during the dates provided on the front. We may replace your Card withanother card at any time. You agree to take reasonable steps to prevent theunauthorized use of your Card and Account. Each Card issued on your Account isour property, and you agree to return it to us or destroy it upon our request. Use ofyour Card is subject to the terms of the Visa Core Rules and Visa Product andService Rules, as those rules may be revised from time to time.Using Your Card. You can purchase or lease goods and services from anymerchant who honors your Card, and you may obtain cash advances from anyGolden 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 yourCard or obtain a cash advance for any extension of credit in excess of youravailable credit limit; however, if you do exceed your credit limit, you agree to makeimmediate payment sufficient to bring the balance below the credit limit. Certainpurchases and cash advances require authorization prior to completion of thetransaction. In some cases, you may be asked to provide identification. If oursystem is not working, we may not be able to authorize a transaction, even thoughyou have sufficient credit available. Also, for security reasons, we may block theuse of your Card in certain countries or geographic areas. We will have no liabilityto you or others if any of these events occur.Credit Limit. Your credit limit is disclosed to you when you open your Account andon each monthly billing statement. Purchases will not be authorized if they exceedyour available credit limit. Your Account balance may exceed your credit limit dueto interest and/or fees that are imposed on your Account.You must pay the excess amount immediately. You are responsible for the totalbalance at all times, even if your balance exceeds your credit limit. We maychange your credit limit at any time. If we accept a payment from you in excess of	 general, interest charges begin to accrue from the date of transaction or the datethe transaction posts to your Account. Interest charges accrue on every unpaidamount 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 forall cash advances and balance transfers. Transaction fees are also included in thecalculation of interest charges. If any interest charge is due and not paid, it will beadded to the principal and thereafter bear interest as the principal.Grace Period on Purchases Only: You can avoid interest charges on purchasesby paying the entire statement balance for purchases each month by the date onwhich 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 besubject to an interest charge. You cannot avoid interest charges on cashadvances, balance transfers and transaction fees; even if you pay the entire cashadvance balance or balance transfer balance by the payment due date, you willincur the interest charges accrued from the date the cash advance or balancetransfer is posted to your Account.CANCELLED, LOST OR STOLEN CARDSTermination; Change-in-Terms. We may, by written notice, terminate, cancel, orrevoke your Account, suspend your ability to make charges or cancel any featureof your Account or your Card at any time, subject to applicable law, even if you arenot in default. You may terminate your Account by written notice. Termination byeither party shall not affect your obligation to repay any balance on your Accountresulting from use of the Card as well as interest charges and fees incurred. Wemay change the terms of this Agreement, including the method of calculating theperiodic rate, at any time, by written notice, subject to applicable law. Use oractivation of the Card constitutes agreement and acceptance of any change interms, unless applicable law requires otherwise. Our failure to exercise any of ourrights or to take any action shall not constitute a waiver of those rights, or anamendment or change in any of the terms of this Agreement.Effect of Cancellation. Cancellation or revocation of your Card will not affect yourobligation to pay any and all amounts due under this Agreement. If your Account isclosed or suspended for any reason, you must stop using your Card. You mustdestroy all cancelled or expired Cards or return them to us upon request. You mustalso cancel all billing arrangements to the Account. You will be liable for anyautomated or recurring charges to your Account even if they are charged afteryour Account is closed. You can limit your liability by destroying or returning theCard(s) to us and cancelling any automated or recurring charges to your Account.Unauthorized Use. You agree to take reasonable steps to prevent theunauthorized use of your Card and Account. "Unauthorized use" means the use ofthe Card by someone other than you who does not have actual, implied orapparent authority for such use, and from which you receive no benefit. For yourprotection, we highly recommend that you continually monitor your monthly billingstatements to identify any unauthorized transactions. You will not be responsiblefor charges made to your Account that are found by us to be unauthorized if younotify us of such charges within 60 days after the transmittal of the periodic billingstatement where such charges appear. If your Card and/or Account is usedfraudulently, you agree to assist us in our investigation. Your help includes givingus 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 orfraud 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 Visaregarding 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 indetermining the facts, circumstances and other pertinent information relating toany loss, theft or possible unauthorized use of your Card and comply with suchprocedures 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, andMaine: You will be in default if (1) you do not make a payment of the requiredamount when due; or (2) we believe the prospect of payment, performance, orrealization on any property given as security is significantly impaired.The following provision applies to borrowers subject to the WisconsinConsumer Act: You shall be in default under this Agreement if any of the followingoccur: (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, whichbreach materially impairs your ability to pay amounts when due or materiallyimpairs the condition, value, or protection of our rights to or in any collateralsecuring this transaction.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 youhave 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 filedagainst you, or if you become involved in any insolvency, receivership or custodialproceeding; (5) anyone attempts to take any of your funds held by us via legal	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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDITUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
page 2 of 4Application 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 excessof the minimum monthly payment will be applied first to the balance with thehighest interest rate, and then to each successive balance with the next highestinterest rate, until the payment is exhausted.Method of Payment. You may pay by check using the remittance coupon on yourbilling statement, by automatic payment from your Golden 1 checking account, byautomatic payment from an account with another financial institution, or online bysigning in to your Online Banking account at www.golden1.com. You may also payin person at any Golden 1 branch. Payments received in person by an employeeat a Golden 1 branch no later than close of business on any business day will becredited to your Account effective on that day. Payments received after the closeof business on any business day will be credited on the next business day. We donot accept cash payments through the mail. All payments are subject to verificationand 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 yourbilling statement by the date and time it is due, we will generally credit the paymentto your Account as of the day it is received. If you do not follow our paymentinstructions, we may not accept your payment or there may be a delay in creditingyour Account.Late or Partial Payments. Any payment that delays the reduction of your balancewill increase your total interest costs. Partial payments or prepayments will notdelay your next scheduled payment - you will still need to make the minimumscheduled 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 yourAccount 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 orus, you remain obligated to pay the outstanding balance plus any interest charges,fees and other charges imposed on your Account. Any time your payment isreturned for insufficient funds, we may place a temporary freeze on all or part ofthe credit available to you under this Agreement until your payment is actuallycollected by us.FEES AND FOREIGN CURRENCY CONVERSIONFees. In addition to the interest charges set forth herein, you agree to also pay anyand all fees that you incur as disclosed to you on your Credit Card AccountOpening 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 $15Expedited Card Fee: $18Copy of Billing Statement of Transaction Receipt (sales slip): $10Foreign Transactions; Currency Conversion. Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. The conversion ratein dollars will be a rate selected by the card network from a range of rates availablein wholesale currency markets for the applicable central processing date, whichrate 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 ineffect on the processing date may differ from the rate in effect on the transactiondate or posting date. All transactions processed outside of the United States(which may include internet transactions) will be charged a foreign transaction feein the amount disclosed on your Credit Card Account Opening Disclosure (asamended from time to time).ANNUAL PERCENTAGE RATES AND INTEREST CHARGESAnnual Percentage Rate (�APR�). We use APR to calculate interest charges onyour Account. The APR is a variable rate and may increase or decrease based onthe 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 APRwill 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 effectas of the first day of each billing cycle.Any increase or decrease to the APR may result in changes to the number ofpayments required to repay the unpaid balance.Interest Charges. You agree to pay interest at the rate(s) disclosed to you at thetime you open your Account and as may be changed from time to time inaccordance with applicable law. We calculate interest on your Account by applyingthe periodic rate to the Average Daily Balance. To determine the Average DailyBalance, we take the beginning balance each day, add any new purchases, cashadvances, balance transfers or other advances, fees and unpaid interest charges,and subtract any payments, or credits. This gives us the daily balance. Then, weadd up all the daily balances for the billing cycle and divide that by the number ofdays in the billing cycle. This gives us the Average Daily Balance. At the end ofeach billing cycle, we determine your interest charge by multiplying your AverageDaily Balance by the monthly periodic rate (your applicable APR divided by 12). In	 9011 LASER FPDF FI1000406 Rev 5-2019 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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDITUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
process or if you have a judgment or tax lien filed against you; (6) you make anyfalse, inaccurate, or misleading statements in any credit application or creditupdate; (7) we, in good faith, believe that your ability to repay what you owe is orsoon will be impaired, or that you are unwilling to make your payments; (8) youexceed your available credit limit; (9) you become subject to incompetency; (10)your payment is returned for any reason; (11) your Golden 1 membership isterminated or your membership privileges are suspended; or (12) there has beena 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 toyour checking or other account(s) if you become delinquent on any of your creditcard or deposit obligations to us or you cause a loss to us. We shall not be liable toyou in any regard in connection with such suspension of services.Actions Upon Default: If applicable law requires a notice of default and anopportunity to cure that default, we will grant you those rights before we exerciseour remedies. If you default, upon the expiration of any applicable rights to curethat default, we may declare all amounts immediately due and payable, and youmust immediately pay us the total unpaid balance (as well as interest charges todate, if allowed by applicable law), any late charges, and all collection costspermitted under law. The principal balance in default shall bear interest at thecontract rate, or another rate if required by applicable law. If immediate payment isdemanded, you agree to continue paying interest charges and fees until what youowe has been paid, and any shares that were given as security for your Accountmay be applied towards what you owe. Even if your unpaid balance is less thanyour credit limit, you will have no credit available during any time that any aspect ofyour Account is in default.Costs of Collection: You shall pay all costs incurred by us in collecting anyamount 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 borrowersexcept Wisconsin borrowers: Costs of collection include reasonable attorney's feesfor any action taken by an attorney who is not a salaried employee of the creditunion 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 orsettlement negotiations, investigation and assessment of our rights, participation inbankruptcy cases, matters, and proceedings (including, without limitation, filingproofs of claim, pursuing reaffirmation agreements, attending meetings ofcreditors, and pursuing complaints, motions, and objections that relate in any wayto 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, orsuch 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 asa court may allow. For Wisconsin borrowers: We may collect only those costs and fees allowed by the Wisconsin Consumer Act, other applicable Wisconsin law, orby 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 mayinclude collection agency fees or attorney fees, but not both.MISCELLANEOUSCommunications. We may send Card(s), billing statements and othercommunications to you at any mailing address or email address in our records. Ifmore than one person is responsible for the Account, we can provide billingstatements and communications to only one of you.When you give us a telephone number (including a cellular or mobile devicenumber) or place a telephone call to us, you are providing your express consentpermitting us (and any party acting on our behalf) to contact you at that numberabout the Account and all of your other Golden 1 accounts. Your consent allows usto make live telephone calls, send text messages, leave prerecorded or artificialvoice messages, and use automatic telephone dialing technology for informationaland Account service purposes. For example, we may place such calls or texts toprovide certain notices, investigate or prevent fraud, or contact you about theamounts you owe to us. This express consent applies to each telephone numberthat 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 reasonablemeans, including calling us at 1�877�723-3010, sending an email 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 understandthat we are not obligated to offer such services and may withdraw or change themat any time.Convenience Checks. We may, at our discretion, issue checks to you which maybe used for any purpose other than making a payment for credit to your Account orany other loan you have with us, so long as that purpose is consistent with theterms of this Agreement. By signing such check, you authorize us to pay the itemfor the amount indicated and post such amount as a cash advance to yourAccount. We do not have to pay any item which would cause the outstandingbalance in your Account to exceed your credit limit.Credit Information. We may from time to time request personal information fromyou or obtain credit reports from the credit reporting agencies for the purpose ofupdating your credit status. We may reduce your credit limit or refuse to extendnew credit as a result of periodic review of your creditworthiness. Your failure toprovide such information when requested by us may result in suspension of creditprivileges under this Agreement, including your ability to obtain any futureadvances by any means. You authorize us to investigate your credit standing whenopening or reviewing your Account. You authorize us to disclose informationregarding your Account to consumer reporting agencies and others. Theinformation we provide may appear on your consumer reports. If you think weprovided incorrect information, write to us and we will investigate in accordancewith the billing rights provision contained herein.Enforcement. We do not lose our rights under this or any related agreement if wedelay enforcing them. If any provision of this or any related agreement isdetermined to be unenforceable or invalid, all other provisions remain in full forceand effect.Returns and Adjustments. Merchants and others who honor the Card may givecredit for returns or adjustments, and they will do so by submitting a credit slipwhich will be posted to your Account. We do not control when a merchant sendsus your refund. We also need a reasonable amount of time after we receive amerchant refund to process it. If your credits and payments exceed what you oweus, the amount will be applied against future purchases and cash advances. If thecredit balance amount is $1 or more, it will be refunded upon your written or verbalrequest. If a credit balance amount of $1 or more remains in the account for morethan 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 orfinancial institution to honor your Card. Also, we are not responsible for  disputesregarding goods or services that you purchase with the Card unless: (a) yourpurchase was made in response to an advertisement we sent or participated insending you; or (b) your purchase cost more than $50 and was made from amerchant in your state or within 100 miles of your home; and only if you havemade a good faith attempt, but have been unable to obtain satisfaction from themerchant. You must resolve all other disputes directly with the merchant. We donot warrant any merchandise or services purchased by you with the Card.Copy Received. You acknowledge that you have received a copy of thisAgreement.Governing Law. This Agreement shall be construed under federal law and statelaw in the state of California. All disputes shall be venued in Sacramento County,California. Operating regulations of Visa may also apply. This Agreement is thecontract that applies to all transactions even though the sales, cash advance,convenience check, credit or other slips you sign or receive may contain differentterms.Platinum Rewards Cash Rebate Program. You will earn cash rebates on net qualified purchases (less credits, returns and adjustments) for each $1 spent.Cash rebates have no maximum limit. Balance transfers, cash advances andcash-equivalent transactions, such as purchases of money orders or gift cards,and certain other purchases/transactions do not earn rebates. We reserve the rightto determine in our sole discretion whether a particular transaction is a qualifiedpurchase. A 3% cash rebate is offered on net qualified purchases at eligible gas,grocery and restaurant merchants. A 1% cash rebate is offered on all other netqualified purchases.A 3% cash rebate is available on purchases processed under specific MerchantCategory Codes (MCC). Merchants are assigned an MCC based on the type ofproducts or services they primarily offer. We do not determine the MCCclassifications, but we use these classifications to define our cash-back rebatecategories. Our 3% cash rebate is available only on purchases with eligibleService Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), GroceryStores or Supermarkets (MCC 5411), and Eating Places and Restaurants (MCC5812). Our 3% cash rebate does not include wholesale clubs or eatingestablishments such as quick-service restaurants. Purchases processed throughthird-party payment accounts (such as PayPal), online or mobile wallets, or similartechnology will not qualify for a rebate if the technology is not set up to process thepurchase in an eligible merchant category.If your Account is in default under this Agreement, it will forfeit all accumulatedrebates. Additionally, rebates are only calculated for accounts that are not inbankruptcy status, that have not been closed or frozen and have no amount thathas been charged-off. To receive a rebate, a Golden 1 share account with therequired minimum balance must be maintained. The rebate will be credited bydeposit to your Golden 1 share account by the end of each month and after theclose of the Account's monthly billing cycle. Accounts closed prior to their monthlyclosing statement date forfeit all unpaid rebates earned during the prior period. Wereserve the right to change or discontinue this program and its benefits andfeatures at any time in our sole discretion.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	page 3 of 4
9011 LASER FPDF FI1000406 Rev 5-2019 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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDITUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
confirms that this loan obligation is being incurred in the interest of your marriageor family and that you will promptly notify your spouse and cause your spouse toconsent to your and your spouse's marital property being bound by your loanobligations 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 hasreceived your spouse's consent in a form reasonably acceptable to the lender. Youfurther affirm that no provision of any marital property agreement or court decreeadversely affects your or lenders interest in this loan obligation.NOTICE TO UTAH BORROWERS: This written agreement is a final expressionof the agreement between you and the Credit Union. This written agreement maynot 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 spouseof the extension of credit. If we receive written notice of termination from yourspouse pursuant to Wis. Stat. Section 766.565(5), we may declare you in defaultof the Agreement and call the entire extension of credit due and payablenotwithstanding Wis. Stat. Sections 425.103 and 425.105. If the Agreement iscalled due and payable, you may have certain rights to cure the default. (2) Additionally, no provision of a marital property agreement, a unilateral agreementunder Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 adverselyaffects our interests unless prior to the time the credit is extended, we arefurnished with a copy of the agreement or statement, or have actual knowledge ofthe adverse provision when the obligation is incurred.
page 4 of 4
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
1.2.3.This notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at:Golden 1 Credit UnionAttention: Card InvestigationsP .O. Box 15966Sacramento, CA 95852-0966In your letter, give us the following information:
Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, if youwant to stop payment on the amount you think is wrong.��You must contact us:If you receive our explanation but still believe your bill is wrong, you must write to uswithin 10 days telling us that you still refuse to pay. If you do so, we cannot report youas delinquent without also reporting that you are questioning your bill. We must tellyou the name of anyone to whom we reported you as delinquent, and we must letthose 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 theamount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased with yourcredit 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.T o use this right, all of the following must be true:After we finish our investigation, one of two things will happen:
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 wrongand why you believe it is a mistake.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 paythe amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within 30 days of receiving your letter, we must tell you that we received yourletter. 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 orexplain to you why we believe the bill is correct.1.2.����We cannot try to collect the amount in question, or report you as delinquent onthat amount.The charge in question may remain on your statement, and we may continueto charge you interest on that amount.While you do not have to pay the amount in question, you are responsible forthe remainder of your balance.We can apply any unpaid amount against your credit limit.The purchase must have been made in your home state or within 100 milesof your current mailing address, and the purchase price must have been morethan $50. (Note: Neither of these are necessary if your purchase was basedon an advertisement we mailed to you, or if we own the company that soldyou the goods or services.)You must have used your credit card for the purchase. Purchases made withcash advances from an ATM or with a check that accesses your credit cardAccount do not qualify.You must not yet have fully paid for the purchase.1.2.3. While we investigate whether or not there has been an error: If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at:Golden 1 Credit UnionAttention: Card InvestigationsP .O. Box 15966Sacramento, CA 95852-0966While we investigate, the same rules apply to the disputed amount as discussedabove. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you do not pay, we may report you as delinquent.��If we made a mistake: You will not have to pay the amount in question or anyinterest or other fees related to that amount.If we do not believe there was a mistake: You will have to pay the amount inquestion, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We may thenreport you as delinquent if you do not pay the amount we think you owe.
9011 LASER FPDF FI1000406 Rev 5-2019 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) towaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice fromyou 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 tothese 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 termsand conditions of the consumer credit contract shall remain in full force and effect.3.2.1.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 36percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protectionfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees forspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receivethis notice verbally, please call 844-536-7431 24 hours a day, 7 days a week.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 MilitaryLending 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 vehiclethat 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 revolvingline 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).IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: