Platinum Secured Credit Card Agreement, Pledge, and Assignment of Shares ("Pledge") and Security AgreementSECURITY AGREEMENT: Your Platinum Secured credit card account ("Account") and your Visa Platinum Secured credit card ("Card") are secured byyour share account called the Collateral Account that you established separately (�Collateral Account�). The Collateral Accountsecures all obligations that you incur in connection with the Card. In this Agreement, "You" and "Your" mean any person whoaccepts this Agreement or uses the Card. "We," "Us," "Our" and the "Credit Union" means Golden 1 Credit Union or itssuccessors.The following terms and conditions apply:
9027, 9011 LASER FPDF FI1000452 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
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Default. Upon any default under this Agreement or if your Account is closed for any reason, you agree that, in addition to anyother rights we may have, we have the right to redeem, collect and withdraw any part or the full amount on deposit in theCollateral Account without notice to you or demand for payment, and apply these funds toward any outstanding obligations onyour Account. Any excess funds remaining in the Collateral Account will be transferred to your primary savings account with us.If the funds in your Collateral Account are insufficient to cover all your obligations on the Account, you will be responsible for therepayment of any remaining balance.Dividends. The Collateral Account is a dividend bearing account, and we will pay dividends on the funds held in the CollateralAccount. Dividends will be added to the Collateral Account and will secure repayment of your obligations on the Account.Additional Agreements. In addition to this Pledge, you agree to abide by the terms of the Disclosure of Account Opening,Share Account/Signature Card, Credit Application, Credit Card Agreement, and any other documents executed and/or agreed toby you in connection with the Card and Collateral Account ("Additional Agreements"). Those Additional Agreements are herebyincorporated as if fully set forth herein, and this Pledge is hereby incorporated into each of the Additional Agreements as if fullyset forth therein.Governing Law. This Pledge shall be governed by the laws of the State of California.Security Interest in Collateral Account. By establishing the Collateral Account and using your Card, you pledge, assign,and grant a security interest in all shares, including dividends, in the Collateral Account whether now or hereafter depositedor accumulated in said account to secure all indebtedness and obligations, including, but not limited to, any and all expensesand reasonable attorney's fees that the Credit Union incurs in order to enforce this Pledge or to collect on the Card. If youare not a Wisconsin resident or the Wisconsin Consumer Act does not apply to your Card, you also agree that this Pledgealso secures any and all expenses and reasonable attorney's fees that the Credit Union incurs in order to enforce this Pledgeor to collect on the Card. The Credit Union also has a lien on the Collateral Account under applicable law. The granting of thissecurity interest is a condition for the issuance of your Card.You must maintain in the Collateral Account an amount equal to 100% of the credit limit of the Card ("Secured Amount").You may not withdraw amounts from the Collateral Account for as long as there is a balance owing on your Card, oruntil the Credit Union agrees to release all or part of the pledged amount, if such withdrawal would cause theCollateral Account balance to fall below the Secured Amount.Security Interest in Other Deposits. You also agree to provide additional security (either of shares or otherwise) if we sorequest. In addition, your Card is secured by all other shares you have in any individual or joint account with the CreditUnion, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatmentunder state or federal law if given as security. These other shares may be withdrawn unless you are in default under thisPledge or your Credit Card Agreement. Collateral securing other loans you have with the Credit Union may also secure thisloan, except that a dwelling and non-purchase-money household goods will never be considered as security for your Card,notwithstanding anything to the contrary in any other agreement. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any otheraccount that would lose special tax treatment under state or federal law ifgiven are not subject to this security interest.CREDIT CARD AGREEMENT
Account, 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 areillegal or not permitted by us. Any such use will constitute an event of defaultunder this Agreement. Impermissible transactions include activities that abuseour products and services, including, without limitation, excessive cash-equivalent transactions or a pattern of payments in excess of your outstandingbalance, and any other activities deemed by us to be suspicious, fraudulent,dishonest or deceptive. If you use your Account for such transactions, you agreethat we will have no liability or responsibility for those transactions. In such case,this Agreement still applies and you must pay us for those transactionsaccording to the terms of this Agreement. You also agree that we will have noliability or responsibility if we decline such transactions. You may also have toreimburse the payment card network and us for any damages and/or expensesresulting from that use. If we have reason to believe that your Card is used forunlawful or fraudulent activities, Internet gambling, or transactions deemed byus 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 yourAccount without prior notice.Third Party or Mobile Devices. Smart phones, tablets, and other electronicdevices allow you to store or electronically present your Account information,and engage in credit transactions without presenting your Card (such as througha mobile wallet). Any purchases or transactions made through such third partyor mobile devices are covered by this Agreement and subject to its terms andconditions. We do not control third party or mobile devices and cannotguarantee the performance of any such device or any third party. You agree toprotect the security 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 ATMowners.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 evenif you do not complete a funds transfer. Any such fees must be displayed at theATM or 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 receivingyour payment. If applicable, your billing statement will show your minimumpayment amount, which includes any past due amounts. Your payment due dateis typically the same day of the month every month. You may request a changeto your monthly 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%of the balance on the date the billing cycle closes or $10.00, whichever isgreater. If the balance is less than $10.00, your minimum payment will equalthat amount. You also agree to pay any amount which is past due or over yourcredit limit. In addition to the minimum payment due, you may pay all or any partof the entire outstanding balance on your Account at any time. You can paydown balances faster by paying more than the minimum payment on yourAccount.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 inexcess of the minimum monthly payment will be applied first to the balance withthe highest interest rate, and then to each successive balance with the nexthighest interest rate, until the payment is exhausted.Method of Payment. You may pay by check using the remittance coupon onyour billing statement, by automatic payment from your Golden 1 checkingaccount, by automatic payment from an account with another financialinstitution, or online by signing in to your Online Banking account atwww.golden1.com. You may also pay in person at any Golden 1 branch.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 5YOUR RESPONSIBILITIESPromise 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 youauthorize to use the Card; (b) all interest charges and all other charges or feesas allowed by law; (c) collection costs and attorney's fees as permitted byapplicable law, and any costs incurred in the recovery of the Card as allowed byapplicable law; and (d) credit in excess of your credit limit that we may extend toyou. We may limit or close your Account, but the terms of this Agreement willapply until you repay us in full.Joint Accounts. Each of you will be responsible, jointly and severally, for therepayment of amounts owed, regardless of who initiated any transaction underthe Account. 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 authorizeduser is subject to the terms of this Agreement. You understand that anauthorized user will have access to your Account and Account information. Youare responsible for any use of your Account by an authorized user or anyoneelse that you permit to use your Account. You must notify us if you want anauthorized user to stop using your Account. If an authorized user is removedfrom 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 youraddress for any reason. In order to prevent identity theft, your identity may needto be 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 Accountis 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 VisaProduct 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 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 topresent your Card or obtain a cash advance for any extension of credit inexcess 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 thecredit limit. Certain purchases and cash advances require authorization prior tocompletion of the transaction. In some cases, you may be asked to provideidentification. If our system is not working, we may not be able to authorize atransaction, even though you have sufficient credit available. Also, for securityreasons, we may block the use of your Card in certain countries or geographicareas. 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 Accountand on each monthly billing statement. Purchases will not be authorized if theyexceed your available credit limit. Your Account balance may exceed your creditlimit due to interest and/or fees that are imposed on your Account. You must paythe excess amount immediately. You are responsible for the total balance at alltimes, even if your balance exceeds your credit limit. We may change yourcredit limit at any time. If we accept a payment from you in excess of youroutstanding 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 your	 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 9027, 9011 LASER FPDF FI1000452 Rev 5-2019 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.
Payments received in person by an employee at a Golden 1 branch no laterthan close of business on any business day will be credited to your Accounteffective on that day. Payments received after the close of business on anybusiness day will be credited on the next business day. We do not accept cashpayments through the mail. All payments are subject to verification andcollection 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 thepayment to your Account as of the day it is received. If you do not follow ourpayment instructions, we may not accept your payment or there may be a delayin crediting your Account.Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial payments or prepaymentswill not delay your next scheduled payment - you will still need to make theminimum scheduled payment by the next scheduled due date to keep yourAccount current. We may accept late payments, partial payments, checks ormoney orders marked "payment in full" and such action shall not constitute finalsettlement of your Account or a waiver or forgiveness of any amounts owingunder this Agreement.Liability for Payments. If your Account is cancelled or closed, whether by youor us, you remain obligated to pay the outstanding balance plus any interestcharges, fees and other charges imposed on your Account. Any time yourpayment is returned for insufficient funds, we may place a temporary freeze onall or part of the credit available to you under this Agreement until your paymentis actually collected by us.FEES AND FOREIGN CURRENCY CONVERSIONFees. In addition to the interest charges set forth herein, you agree to also payany and all fees that you incur as disclosed to you on your Credit Card AccountOpening Disclosure or similar disclosures (as may be amended from time totime), or as disclosed to you during the term of your Account, and the followingfees: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 conversionrate in dollars will be a rate selected by the card network from a range of ratesavailable in wholesale currency markets for the applicable central processingdate, which rate may vary from the rate the card network itself receives, or thegovernment- mandated rate in effect for the applicable central processing datein each instance. Conversion may occur after the date of the transaction, andthe conversion rate in effect on the processing date may differ from the rate ineffect on the transaction date or posting date. All transactions processed outsideof the United States (which may include internet transactions) will be charged aforeign transaction fee in the amount disclosed on your Credit Card AccountOpening Disclosure (as amended from time to time).ANNUAL PERCENTAGE RATES AND INTEREST CHARGESAnnual Percentage Rate (�APR�). We use APR to calculate interest chargeson your Account. The APR is a variable rate and may increase or decreasebased 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, changesto the APR will be related to a comparable Index. The APR for purchases,balance transfers, and cash advances, applicable to your Account is determinedby 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 ofpayments required to repay the unpaid balance.Interest Charges. You agree to pay interest at the rate(s) disclosed to you atthe time you open your Account and as may be changed from time to time inaccordance with applicable law. We calculate interest on your Account byapplying the periodic rate to the Average Daily Balance. To determine theAverage Daily Balance, we take the beginning balance each day, add any newpurchases, cash advances, balance transfers or other advances, fees andunpaid interest charges, and subtract any payments, or credits. This gives usthe daily balance. Then, we add up all the daily balances for the billing cycle anddivide that by the number of days in the billing cycle. This gives us the AverageDaily Balance. At the end of each billing cycle, we determine your interestcharge by multiplying your Average Daily Balance by the monthly periodic rate(your applicable APR divided by 12). In general, interest charges begin toaccrue from the date of transaction or the date the transaction posts to yourAccount. Interest charges accrue on every unpaid amount until it is paid in full.Interest will be assessed on fees and penalties. Unless otherwise stated, wewill charge interest starting on the transaction date for all cash advances andbalance transfers. Transaction fees are also included in the calculation ofinterest charges.  If any interest charge is due and not paid, it will be added tothe 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 bythe date on which the payment is due. Otherwise, the balance for purchases onyour Account, and subsequent advances from the date they are posted to theAccount, will be subject to an interest charge. You cannot avoid interest chargeson cash advances, balance transfers and transaction fees; even if you pay theentire cash advance balance or balance transfer balance by the payment duedate, you will incur the interest charges accrued from the date the cash advanceor balance transfer is posted to your Account.CANCELLED, LOST OR STOLEN CARDSTermination; Change-in-Terms. We may, by written notice, terminate, cancel,or revoke your Account, suspend your ability to make charges or cancel anyfeature of your Account or your Card at any time, subject to applicable law, evenif 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 balanceon your Account resulting from use of the Card as well as interest charges andfees incurred. We may change the terms of this Agreement, including themethod of calculating the periodic rate, at any time, by written notice, subject toapplicable law. Use or activation of the Card constitutes agreement andacceptance 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 constitutea waiver of those rights, or an amendment or change in any of the terms of thisAgreement.Effect of Cancellation. Cancellation or revocation of your Card will not affectyour obligation to pay any and all amounts due under this Agreement. If yourAccount 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 uponrequest. You must also cancel all billing arrangements to the Account. You willbe liable for any automated or recurring charges to your Account even if they arecharged after your Account is closed. You can limit your liability by destroying orreturning the Card(s) to us and cancelling any automated or recurring charges toyour Account.Unauthorized Use. You agree to take reasonable steps to prevent theunauthorized use of your Card and Account. "Unauthorized use" means the useof the 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 monthlybilling statements to identify any unauthorized transactions. You will not beresponsible for charges made to your Account that are found by us to beunauthorized if you notify us of such charges within 60 days after the transmittalof the periodic billing statement where such charges appear. If your Card and/orAccount is used fraudulently, you agree to assist us in our investigation. Yourhelp 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 unauthorizeduse or fraud may have occurred. To report a lost or stolen card or suspectedunauthorized 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 cardreplacement service. To contact Visa regarding emergency credit cardreplacement, please call 1-800-VISA-911 (1-800-847-2911), 24 hours a day, 7days a week. You also agree to assist us in determining the facts,circumstances and other pertinent information relating to any loss, theft orpossible unauthorized use of your Card and comply with such procedures as wemay 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 therequired amount when due; or (2) we believe the prospect of payment,performance, or realization on any property given as security is significantlyimpaired.The following provision applies to borrowers subject to the WisconsinConsumer Act: You shall be in default under this Agreement if any of thefollowing occur: (a) you fail to make a payment when due on 2 occasions withinany 12- month period; OR (b) you breach any term or condition of thisAgreement, which breach materially impairs your ability to pay amounts whendue or materially impairs the condition, value, or protection of our rights to or inany collateral securing this transaction.page 3 of 5
COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 9027, 9011 LASER FPDF FI1000452 Rev 5-2019 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.
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 legalprocess 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. If a credit balance amount of $1or more remains in the account for more than six months, we will make a goodfaith effort to refund the amount to you.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 acredit balance amount of $1 or more remains in the account for more than sixmonths, 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.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 signatureconfirms 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 5
9027, 9011 LASER FPDF FI1000452 Rev 5-2019 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. page 5 of 5YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 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: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.�If you receive our explanation but still believe your bill is wrong, you must writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount 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 withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:1.2.3.You must contact us: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 iswrong and why you believe it is a mistake.Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, ifyou 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 youdo, we are not required to investigate any potential errors and you may haveto pay the 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 receivedyour 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 orexplain to you why we believe the bill is correct.1.2.The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses yourcredit card Account do not qualify.You must not yet have fully paid for the purchase.1.2.3. ����We cannot try to collect the amount in question, or report you asdelinquent on that amount.The charge in question may remain on your statement, and we maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are responsiblefor the remainder of your balance.We can apply any unpaid amount against your credit limit.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 thepurchase, 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 asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.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 anyinterest or other fees related to that amount.
9027, 9011 LASER FPDF FI1000452 Rev 5-2019 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.2.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).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.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.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.1.IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
3.