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 REWARDS 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
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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
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.

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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.

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. 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
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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.
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
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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

page 2 of 4

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.

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
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.

including  calling  us  at  1–877–723-3010,  sending  an  email 

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.
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 the
credit balance amount is $1 or more, it will be refunded upon your written or verbal
request. 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.
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  and
cash-equivalent  transactions,  such  as  purchases  of  money  orders  or  gift  cards,
and certain other purchases/transactions do not earn rebates. We reserve the right
to  determine  in  our  sole  discretion  whether  a  particular  transaction  is  a  qualified
purchase. 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  net
qualified purchases.
A 3% cash rebate is available on purchases processed under specific Merchant
Category Codes (MCC). Merchants are assigned an MCC based on the type of
products  or  services  they  primarily  offer.  We  do  not  determine  the  MCC
classifications,  but  we  use  these  classifications  to  define  our  cash-back  rebate
categories.  Our  3%  cash  rebate  is  available  only  on  purchases  with  eligible
Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), Grocery
Stores or Supermarkets (MCC 5411), and Eating Places and Restaurants (MCC
5812).  Our  3%  cash  rebate  does  not  include  wholesale  clubs  or  eating
establishments  such  as  quick-service  restaurants.  Purchases  processed  through
third-party payment accounts (such as PayPal), online or mobile wallets, or similar
technology will not qualify for a rebate if the technology is not set up to process the
purchase in an eligible merchant category.
If  your Account  is  in  default  under  this Agreement,  it  will  forfeit  all  accumulated
rebates.  Additionally,  rebates  are  only  calculated  for  accounts  that  are  not  in
bankruptcy status, that have not been closed or frozen and have no amount that
has  been  charged-off.  To  receive  a  rebate,  a  Golden  1  share  account  with  the
required  minimum  balance  must  be  maintained.  The  rebate  will  be  credited  by
deposit to your Golden 1 share account by the end of each month and after the
close of the Account's monthly billing cycle. Accounts closed prior to their monthly
closing statement date forfeit all unpaid rebates earned during the prior period. We
reserve  the  right  to  change  or  discontinue  this  program  and  its  benefits  and
features 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
(cid:9)

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

9011 LASER FPDF FI1000406 Rev 5-2019

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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.

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.

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.

9011 LASER FPDF FI1000406 Rev 5-2019

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.