If we find that we made a mistake on your bill, you will not
have to pay any finance charges related to any questioned amount.
If we didn’t make a mistake, you may have to pay finance
charges, and you will have to make up any missed payments
on the questioned amount. In either case we will send you a
statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we
may report you as delinquent. However, if our explanation
does not satisfy you and you write to us within ten days telling
us that you still refuse to pay, we must tell anyone we report
you to that you have a question about your bill. And, we must
tell you the name of anyone we reported you to. We must tell
anyone we report you to that the matter has been settled
between us when it finally is.

If we don’t follow these rules, we can’t collect the first
$50.00 of the questioned amount, even if your bill was correct.

ELECTRONIC FUNDS TRANSFER DISCLOSURE
This disclosure statement and agreement is made in

compliance with Federal Law regulating EFT devices. “EFT”
means Electronic Funds Transfer and refers to electronically
initiated transfers of money from one account to another within
Goldenwest Credit Union. An access device which can
electronically initiate such a transfer is a Golden Access®, The
Exchange, Access 24®, VISA Plus®, American Express®, or
Instant Teller® automated teller machine with a Credit Union
issued VISA Checking or Credit card or an ATM card when
used with your Personal Identification Number (PIN). The
access device for the Home Access system can either be a
touch-tone phone, on-line branch, or mobile branch, your
account and “PIN.”
1. Transfers You May Initiate.

a) You may use your access device in a Goldenwest Golden
Access® automated teller machine to do any of the following:
1) Transfer funds between your share savings account and your
checking account, 2) Make payments on your main account loan
or Line of Credit loan by transferring funds from your share
savings account or your checking account or in cash or by check,
3) Initiate a cash advance from your Line of Credit, 4)
Withdraw funds from your share savings or checking account.
b) You may use your access device with Home Access®
phone, On-line branch, or Mobile Branch to: 1) Transfer funds
between your share savings account, your checking account or
your insured money market fund, 2) Make payments on all the
loans and Line of Credit loans on your account by transferring
funds from your share savings account, your checking account
or insured money market fund. Transfers from the share sav-
ings account are limited to six times a month.

c) You may use your access device in another institution’s
automated teller (see the back of your card for the ATM networks
you may use) to do the following: 1) Transfer funds between
your share savings account and your checking account,
2) Initiate cash advances from your Line of Credit, 3) Withdraw
funds from your share savings or checking account, 4) Make
deposits to your share savings account or checking account.
The types of transfers you may initiate depend upon the
type of accounts you have with Goldenwest Credit Union.
Automated transfers include transactions initiated by you
with your card and PIN as long as the machine is capable of
performing that transaction or with a touch tone telephone,
your access code and you “PIN” (Home Access Phone).
Automated transfers also include transactions initiated by
another person to whom you have given consent to use your
card and/or “PIN.” If you choose to withdraw this consent
from another individual, you must contact us immediately.

2. Charges. There is no transaction charge for using a
Goldenwest Automated Teller Machine when using a
Goldenwest Credit Union card.

In the event that your account becomes overdrawn, a non-

sufficient fund charge will be assessed. Checks returned on
deposits or payments will be subject to a fee of up to $22.
There will be a fee for using a foreign (non-Goldenwest) ATM.
In the future, the Credit Union, at its discretion may make
additional charges. Notification of such charges will be sent to
you according to the requirements of Federal Law regulating
EFT access devices.

3. Your Liability. You may be liable for any unauthorized
transfers of money from your share savings, checking account,
insured money market or Line of Credit account. You may pro-
tect yourself by prompt reporting of any loss or theft of your
access devices or any unauthorized transfers.

4. Liability Disclosure. Tell us AT ONCE if you believe your
card or PIN has been lost or stolen, Telephoning is the best
way of keeping your possible losses down. You could lose all
the money in your account (plus your maximum overdraft line
of credit). If you believe your card or PIN has been lost or
stolen, and you notify us immediately after you learn of the
loss or theft, you can keep your loss at a minimal amount.

5. Whom to Contact Upon Loss / Error / Questions. If you
believe your card or PIN has been lost or stolen, or that someone
has transferred or may transfer money from your account
without your permission then contact us immediately. It would
be best to call us at our telephone numbers: Ogden – 621-4550,
Toll Free 1-800-283-4550, or you may write to us at
Goldenwest Credit Union, P.O. Box 1111, Ogden, Utah 84402.
Written notice of loss or theft is effective at the time you mail
or otherwise send notice to us.

If you do NOT tell us within two business days after you
learn of the loss or theft of your card and/or PIN, and we can
prove we could have stopped someone from using your card
and/or PIN without your permission if you had told us, you
could be held liable for loss or theft.

Also, if your statement shows transfers that you did not make,
tell us at once. If you do not tell us within 60 days after the state-
ment was mailed to you, you may not get back any money you
lost after the 60 days if we can prove that we could have stopped
someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept

you from telling us, we may extend the time periods.

6. In Case of Errors or Questions About Your Electronic
Transfers. Telephone us at 801-621-4550, or write us at
P.O. Box 1111 Ogden, Utah 84402, as soon as you can, if you
think your statement or receipt is wrong or if you need more
information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the
FIRST statement on which the problem or error appeared.

1) Tell us your name and account number, 2) Describe the
error or the transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more
information, 3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your

complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 20
business days after we hear from you and will correct any error
promptly. If we need more time, however, to do this, we will
credit your account within 10 business days, the amount you
think is in error, so that you will have the use of the money during
the time it takes us to complete our investigation. If we ask you

to put your complaint or question in writing and we do not receive
it within 10 business days, we may not credit your account.
If we decide that there was no error, we will send you a
written explanation within three business days after we finish
our investigation. You may ask for copies of the documents
that we used in our investigation.

7. Limitations on Dollar Amount of Transfers. You may
withdraw up to five hundred dollars ($500.00) from the
automated teller machines each day.

8. Disclosure of Information About You to Others. Except
as required or allowed by law, we will not disclose information
regarding your electronic funds transfers initiated by your
access device.

9. Periodic Statements. Your account statements will tell you
the amount and number of deposits, payments, withdrawals,
transfers or advances which have been made from your share
savings account, Checking account, insured Money Market
account or Line of Credit. Each time you use an ATM, you
will receive a transaction receipt that will record the necessary
information regarding your use of the machine. These receipts
should be kept for future reference and to check the correct-
ness of your periodic statement.

10. Our Liability. We are not liable to you for any damages
that may result from our failure to make a transfer if your
account has insufficient funds; or, if your funds are subject to
legal process or other encumbrance which restricts transfer, or
such transfer would exceed an established credit limit or if the
automated teller machine where you are making the transfer
does not have enough cash, or if the system was not working
properly and you knew about the break down when you started
the transfer or if circumstances beyond our control (such as
fire or flood) prevent the transfer despite reasonable precautions
we have taken.

The cards and PIN are the property of Goldenwest Credit

Union and must be returned upon request.

11. Availability and Limits on Use. (ACH Program and
Telephone Transfer-Upon Your Request.) We may authorize
debits (withdrawals) from or credits (deposits) to any of your
Credit Union accounts or initiate a transfer of funds from your
accounts; maximum 6 per calendar month.

12. Business Day. (Applies to all covered transactions.) For
the purpose of this agreement our business days are Monday
through Friday. Holidays are not included.

GOLDENWEST FEDERAL CREDIT UNION
P.O. Box 1111
Ogden, Utah 84402
801-621-4550

JOW - Rev. 2-12

10-800 A (26220, 26420, 26520, 26720, 26820)

CARDHOLDER ACCOUNT
AGREEMENT AND DISCLOSURE

This agreement covers your VISA Classic, VISA Gold,
VISA Platinum VISA Variable Rate, VISA Platinum (Home
Equity), VISA Checking and ATM card with us. In this
agreement, the words “you” and “your” mean any user of the
card or cards previously indicated. “We”, “our”, and “us” mean
Goldenwest Credit Union, that you have agreed to all of the
following terms:

1. General. You may use your account to buy goods
and services any place your card is honored. You may
also use your account to get a cash advance or, if you
have VISA Checking, an overdraft advance. You agree to
all procedures required by us or any merchant that honors
your card, as well as all terms on your card. Any plural
term used in this agreement shall be deemed singular if
context and construction so require. Any singular term
used in this agreement shall be deemed plural if context
and construction so require. A negative credit report
reflecting on your credit record may be submitted to a
credit reporting agency if you fail to fulfill the terms of
this agreement.

2. Card Holder Liability. If the account is issued to you and
others as a joint account, each use of the account shall be an
extension of credit to all, and each of you shall be jointly and
severally liable. If you allow anyone else to use your account,
you will be liable for all credit extended to such person. You will
be liable for all actual, implied authorized use of your account.

3. Changes in Agreement. By your signature on your card or
the signature of any authorized user, you agree that we may
change, according to the law, the terms of this agreement. The
changes will apply to your new purchases and advances and to
your outstanding balance. These changes may include, but are
not limited to any change in finance charge. We will mail notice
of such change to you at your address shown on our records.

4. Change of Address. If you move, you must give us your
new address. You may change your address by notifying the
credit union in writing or by On-line branch.

5. VISA Checking Card Loan Advances. VISA purchases,
checks, and cash advances will be paid from your checking
account. If your checking account has insufficient funds on
deposit, we will advance enough money (up to your maximum
credit limit) to cover these items.

6. Maximum Credit Limit. From time to time we may modify
the maximum credit limit established for all extensions of cred-
it on your account. Your credit limit is identified on your state-
ment. You agree to keep the total of purchases and advances
made on your account within the limit.

7. Promise to Pay. You promise to pay us all amounts borrowed
under this agreement, plus any finance charge or other amounts
due, both before and after judgment. You agree to pay us on or
before the due date shown on your monthly statement. Each
month we will send you a statement showing any purchases,

FS# 204A

advances, or credit made on your account during that billing
cycle and your new balance. Your statement will also show the
required payment you must make for that statement period.
You may pay in full for all your purchases and advances
each month, or you may make the periodic minimum payment
of 2.5% of the unpaid balance or $25.00, whichever is greater.
Balances under $25.00 must be paid in full. The “Minimum
Payment” due as shown on your statement shall include the
minimum payment due on your new balance plus any amounts
past due. If you exceed your credit limit, the excess will be
shown on your statement as “Amount Over Credit Limit.” The
required payment due by the due date shown on your statement
will be the greater of the “Minimum Payment” due or the
“Amount Over Credit Limit.” The amount you must pay for
that statement will be shown as “Required Payment Due.” For
payment information concerning the VISA Platinum (Home
Equity) please refer to your Loanliner Home Equity disclosure.

8. Finance Charge.

a) VISA Classic, Fixed Interest Rate (25-Day Grace
Period, Purchases only) There is no grace period in which cash
advances may be repaid without incurring a periodic finance
charge: The “Total Finance Charge” shown on your monthly
statement consists of the finance charge on purchases plus the
finance charge on cash advances. If the entire current VISA
balance as shown on your monthly statement is paid in full by
the payment due date shown on your monthly statement, you
will not be assessed a periodic finance charge for the billing
cycle ending on the payment due date. The daily periodic rate
on March 1, 2012 was .03151%. This is an ANNUAL
PERCENTAGE RATE of 11.5%.

b) VISA Gold, Fixed Interest Rate (25 - Day Grace Period,

Purchases only) There is no grace period in which cash
advances may be repaid without incurring a periodic finance
charge: The “Total Finance Charge” shown on your monthly
statement consists of the finance charge on purchases plus the
finance charge on cash advances. The daily periodic rate on
March 1, 2012 was .02877%. This is an ANNUAL
PERCENTAGE RATE of 10.5%. If the entire current VISA
balance as shown on your monthly statement is paid in full by
the payment due date shown on your monthly statement, you
will not be assessed a periodic finance charge for the billing
cycle ending on the payment due date.

c) VISA Platinum, Fixed Interest Rate (25-Day Grace
Period, Purchases only). There is no grace period in which
cash advances may be repaid without incurring a periodic
finance charge: The “Total Finance Charge” Shown on your
monthly statement consists of the finance charge on purchases
plus the finance charge on cash advances.The daily periodic
rate on March 1, 2012 was .02671%. This is an ANNUAL
PERCENTAGE RATE of 9.75%. If the entire current VISA
balance as shown on your monthly statement is paid in full by
the payment due date shown on your monthly statement, you
will not be assessed a periodic finance charge for the billing
cycle ending on the payment due date.

d) VISA variable rate, variable interest rate (25-Day

Grace Period, Purchases only). There is no grace period in
which Cash Advances may be repaid without incurring a
periodic finance charge: The “Total Finance Charge” shown
on your monthly statement consists of the finance charge on
purchases plus the finance charge on cash advances. The daily
periodic rate range on March 1, 2012 was .019150 - .027369.
The ANNUAL PERCENTAGE RATE range on March 1, 2012
was 6.99% to 9.99%. If the entire current VISA balance as
shown on your monthly statement is paid in full by the pay-
ment due date shown on your monthly statement, you will not
be assessed a periodic finance charge for the billing cycle end-
ing on the payment due date.

e) VISA Platinum (Home Equity), Variable Interest Rate.
There is no grace period in which cash advances or purchases
may be repaid without incurring a periodic finance charge:
For the variable interest information please refer to your
LOANLINER home Equity disclosures.

f) VISA Checking, Fixed Interest Rate (No Grace Period)
There is no time period in which loan advances may be repaid
without incurring a periodic finance charge: The total finance
charge shown on your monthly statement consists of the periodic
finance charge on loan advanced to cover purchases, checks,
and cash advances from the day of posting. The daily periodic
rate on March 1, 2012, was .04356%. This is an ANNUAL
PERCENTAGE RATE of 15.90%.

9. Rebate Option. If you elect to receive the rebate on your
VISA Credit Cards the ANNUAL PERCENTAGE RATE will
be 3.0% higher. The daily periodic rate will increase by .00822%.
Please see VISA application for current rates. The amount of
the rebate is computed on the amount of VISA card purchases
made in the calendar year according to the following breakdown:
1/4% on the portion of annual purchases $0 to $1,000, 1/2% on
the portion of annual purchases $1,001 to $2000, 3/4% on the
portion of annual purchases $2,001 to $3,000, 1% on the portion
OVER $3,000. The rebate will be decreased by purchase credits
and excludes cash advances, advances made to pay off other
loans, or any other increase of your VISA account balance,
e.g. fees, interest charges. Rebate deposits will be made to
your savings account on an annual basis by February 28th.

10. Transaction Fee for Cash Advance. VISA Classic, VISA
Gold, VISA Platinum and VISA Variable Rate: The cash
advance fee is 1.50% of the amount advanced. There is no
cash advance charge for the VISA Platinum (Home Equity)
and the VISA Checking Card.

11. Balance Computation Method.

a) VISA Classic, VISA Gold, VISA Platinum and VISA
Variable Rate Balance Computation Method: Average daily
balance including new purchases. For VISA Platinum (Home
Equity) please refer to your LOANLINER Home Equity
Addendum.

b) VISA Checking Balance Computation Method: The

balance used to compute the finance charge is the unpaid
balance each day after payments and credits to that balance
have been subtracted and new advances have been added.

12. Annual Fee. There is not an annual fee for any Goldenwest
VISA card. Goldenwest reserves the right to implement an
annual fee at any time in the future. There is a $3.00 biannual
ATM renewal card fee.

13. Replacement Card Charge. You may be assessed a $3.00
per card charge for the replacement of a lost or stolen card. Your
account may be assessed a fee up to $5.00 for replacement of
VISA Credit, VISA Checking or ATM card.

14. Lost or Stolen Cards. You agree to promptly notify us
orally or in writing if your card is lost or stolen. You may notify
us of the loss by sending a written notice or calling us at the
address or telephone number listed on each billing statement.
You may be responsible for the unauthorized card use before
we receive notice.

15. Questions and Billing Errors. Please notify us immediately
if you have any questions about your monthly statement. If you
think we have made a mistake on your statement, please refer
to the section titled “In Case of Errors or Inquiries About Your
Account” included in this disclosure and with your monthly
statement. This tells you of your rights and methods to resolve
billings errors.

16. Research Charges. You may be assessed charges of $20.00
per hour and $5.00 per VISA photocopy for any research that
you request on your account, when the result of the research
does not reveal an erroneous billing as defined by Federal
Reserve Regulation Z of the Utah Consumer Credit Code.

17. Late Fee.

a) VISA Classic, VISA Gold, and VISA Platinum and VISA

Variable Rate: We may assess a late fee of $18.00 if your
“Minimum Payment Due” is not made by the 15th day
following your payment due date.

b) VISA Platinum (Home Equity): If your payment is more

than 14 days late we may charge you 5% of the payment or
$15.00 whichever is greater.

c) VISA Checking: We may assess a late fee if your

“Minimum Payment Due” is not made by the 15th day following
your payment due date. This fee will be 5% of the “minimum
Payment Due” for each late payment.

18. Return Check Service Charge. A return check service
charge of up to $22.00 will be assessed against your account
for each check not honored which you send as payment for
your account. This $22.00 charge also applies to checks
returned by us for non-sufficient funds. You realize that adding
the charge will cause the finance charge to increase.

19. Automated Teller Machine (ATM) Charge. A transaction
fee may be assessed on your account when you use your VISA
or other card to access information or make any transaction on
your Credit Union account(s) from an ATM that is not operated
by us in accordance with applicable laws.

20. Pledge of Shares. Pursuant to state law, Goldenwest
Credit Union holds the authority to impress and enforce a
statutory lien on all present and future shares, savings, and/or
deposits in all your individual and joint Credit Union accounts.
The Credit Union has the right to apply all your present and
future shares, savings, and/or deposits toward the amount you
owe if you are in default. The Credit Union also maintains a
contractual pledge of shares subject to your loan account, and
security agreement.
21. Security interests. To secure your account, you grant us
a purchase money security interest under the Uniform
Commercial Code in any goods you purchase through your
account. If you default, we will have the right to recover
any of these goods which have not been paid for through
application of your payments in the manner described in
section 9. Except for Real Estate loans, collateral securing
other loans with the Credit Union shall also be used to
secure this account.
22. Default. You will be in default if any of the following occur:

1) If you fail to make the minimum payment when due.
2) If any other creditor tries by legal process to take any

money of yours that is in the Credit Union.

3) If you make any misrepresentation or misstatement in

obtaining any advance.

4) If you become insolvent, declare bankruptcy or
die.When you are in default, we may declare your entire
balance due and payable at once without notice or demand.

23. Collection Expenses. If you are in default under this
agreement and the credit union demands full payment, you agree
to pay interest on the unpaid balance. If the Credit Union takes
legal action against you under this agreement, you agree to pay
reasonable attorney fees and court costs. In the event judgment
is taken against you, you agree to pay interest on the judgement
at the contract rate in effect at the time of the judgment

24. A VISA card may not be used for any illegal transaction.

25. Canceling Agreement. You agree that the card(s) and/or
checks you have are our property and that we may terminate this
agreement if you break any of your promises or you are in
default under this agreement. You agree to return the card(s)
and/or checks to us or we may pick them up at any time after this
agreement is terminated. You may end this agreement by returning
the card(s) and/or checks to us, and paying the outstanding
balance on your account in full.

26. Other Provisions. The Credit Union can delay enforcing
any of its rights under this agreement without losing them.

27. Merger Clause. This written agreement contains all the
representations between the parties and may not be contradicted
by evidence of any oral agreement or alleged oral agreement.

28. Foreign Transactions. Effective April 1, 2008, the
exchange rate between the transaction currency and the billing
currency used for processing international transactions is a rate
selected by Visa from the range of rates available in wholesale
currency markets for the applicable central processing date,
which rate may vary from the rate Visa itself receives, or the
government-mandated rate in effect for the applicable central
processing date, plus 1% and .8% on single-currency
international transactions.

IN CASE OF ERRORS OR INQUIRIES
ABOUT YOUR ACCOUNT

Keep this notice for further use.
This notice contains important information about your rights,
and our responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Bill.

If you think your bill is wrong, or if you need more

information about a transaction on your bill, write to us (on a
separate sheet) at the address listed on your bill. We must hear
from you no later than 60 days after we sent you the first bill
on which the error or problem appeared. You can telephone us,
but doing so will not preserve your rights.

In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you

believe there is an error.

If you need more information, describe the item you are

not sure about.

If you have authorized us to pay your credit bill automatically
from your shares or checking account, you can stop the payment
on any amount you think is wrong. To stop the payment, your
letter must reach us three business days before the automatic
payment is scheduled to occur.

Your Rights and Our Responsibilities
After We Receive Your Written Notice.

We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either
correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any

amount you question, or report you as delinquent. We can
continue to bill you for the amount you question, including
finance charges, and we can apply any unpaid amount against
your credit limit. You do not have to pay any questioned
amount while we are investigating, but you are still obligated
to pay the parts of your bill that are not in question.