b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM ADVANTAGE/PLATINUM ADVANTAGE REBATE/PLATINUM ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-9-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 13.90% which is a daily periodic rate of 0.0381% .\nThe Balance Transfer APR is 13.90% which is a daily periodic rate of 0.0381% .\nThe Cash Advance APR is 13.90% which is a daily periodic rate of 0.0381% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 10.65% above the Index.\nBalance Transfers will be charged at 10.65% above the Index.\nCash Advances will be charged at 10.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-9-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE/ADVANTAGE REBATE/ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n15.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n15.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n15.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-4-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 15.90% which is a daily periodic rate of 0.0436% .\nThe Balance Transfer APR is 15.90% which is a daily periodic rate of 0.0436% .\nThe Cash Advance APR is 15.90% which is a daily periodic rate of 0.0436% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 12.65% above the Index.\nBalance Transfers will be charged at 12.65% above the Index.\nCash Advances will be charged at 12.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-4-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE/ADVANTAGE REBATE/ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-1-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Balance Transfer APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Cash Advance APR is 11.90% which is a daily periodic rate of 0.0326% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 8.65% above the Index.\nBalance Transfers will be charged at 8.65% above the Index.\nCash Advances will be charged at 8.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-1-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE SHARE SECURED\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\n\n9.90%\n\nAPR for Cash Advances\n\n9.90%\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n9.90%\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases)\n(including new balance transfers and cash advances)." See Your Account Agreement for more details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-2-010419 (MXC201-E)\n\n\x0cReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 9.90% which is a daily periodic rate of 0.0271% .\nThe Balance Transfer APR is 9.90% which is a daily periodic rate of 0.0271% .\nThe Cash Advance APR is 9.90% which is a daily periodic rate of 0.0271% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-2-010419 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM ADVANTAGE/PLATINUM ADVANTAGE REBATE/PLATINUM ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n11.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-8-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Balance Transfer APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Cash Advance APR is 11.90% which is a daily periodic rate of 0.0326% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 8.65% above the Index.\nBalance Transfers will be charged at 8.65% above the Index.\nCash Advances will be charged at 8.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-8-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT\nFOR YOUR GECU EMPOWERMENT CREDIT CARD\nDisclosure to GECU Empowerment Credit Card Agreement and Disclosure Statements\nDisclosure of variable rates and fees are accurate and based on the Prime Rate of 3.25% in effect\nas of April 1, 2020 and may have changed. To receive the most recent information, contact GECU\nat 1-800-772-4328.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\nintroductory APR is effective upon the opening of your account if\n(APR) for Purchases,\nyou\nare\napproved\nfor a GECU Empowerment credit card and your credit\nBalance Transfers, and\nscore\nis\n610\nand\nabove.\nAPR is fixed for the first 6 statement billing cycles\nConvenience Checks\nfollowing the opening of the account for all purchases, balance transfers, and\nconvenience checks. After that the variable Standard Rate purchases,\nbalance transfers, and convenience checks will apply. The Introductory Rate\nmay end sooner if your payment is late. See explanation below.\n\n1.90%\n\nAfter that, your APR will\n\n7.90%, 9.25%, 10.65%, 14.90%,\n\nor 17.65% as of 4-1-20, depending on your creditworthiness1\nThis APR will vary on the market based on the Prime Rate.2\nAPR for Cash Advances\n\n1.90% introductory APR is effective upon the opening of your account if\nyou are approved for a GECU Empowerment credit card and your credit\nscore is 610 and above. APR is fixed for the first 6 statement billing cycles\nfollowing the opening of the account for all cash advances. After that the\nvariable Standard Rate for purchases, balance transfers, and convenience\nchecks will apply to the remaining balance. The variable APR for Cash\nAdvances will apply to cash advances conducted after the expiration of the\nIntroductory Rate. The Introductory Rate may end sooner if your payment is\nlate. See explanation below.\n\nPenalty APR and When it\nApplies\nPaying Interest\n\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFees and Charges\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Transaction\n\n2% above your APR for Purchases, not to exceed 17.90%.\nThe APR will vary on the market based on the Prime Rate.2\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances,\nbalance transfers, and convenience checks on the transaction date.\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nNone\nNone\n1% of transaction\n\nRev. 6/01/21\n1\n\n\x0cPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Limit\n\xe2\x80\xa2 Returned Payment\n\nIf payment is 10 days or more past due, you will be charged up to $25.\nNone\nUp to $25\n\nHow We Will Calculate your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including\npurchases)\xe2\x80\x9d. See your account agreement for more details.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage\nrate (APR) of 36%. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). Please call us at (844) 351-4328 to receive disclosures orally.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\nLoss of Introductory APR: If the account is closed for any reason (including closure based on default of\nanother GECU account), any introductory APR (the \xe2\x80\x9cIntroductory APR\xe2\x80\x9d) then in effect is forfeited and the\nAPR that will be applied to the outstanding balance will be the Standard Rate.\n1 The\n\nPeriodic Rate (DPR) for the APRs listed in the table above are as follows:\nStandard Rate DPR\nCash Advance Rate DPR\n7.90% APR (.02164% DPR)\n9.90% APR (.02712% DPR)\n9.25% APR (.02534% DPR)\n11.25% APR (.03082% DPR)\n10.65% APR (.02918% DPR)\n12.65% APR (.03466% DPR)\n14.90% APR (.04082% DPR)\n16.90% APR (.04630% DPR)\n17.65% APR (.04836% DPR)\n17.90% APR (.04904% DPR)\n17.65% APR (.04836% DPR)\n17.90% APR (.04904% DPR)\n\n2\n\nThe Standard Rate Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate\ndetermined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on\nour review of your application and credit history) to the Prime Rate (Index) which is published in the \xe2\x80\x9cMoney\nRates\xe2\x80\x9d column of The Wall Street Journal on the last business day of each calendar quarter. The Index will\nbe applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your\naccount shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit\nscore range, and as otherwise required by law. Changes to your APR will be applied upon notification in\naccordance with applicable laws and regulations.\n\nNotice: Read and retain this copy of your Agreement and Truth-in-Lending Disclosure for\nfuture reference.\nTERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) cover your GECU Empowerment credit card (\xe2\x80\x9cAccount\xe2\x80\x9d) with us. In this\nAgreement, the word \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means any person who signs the GECU Empowerment\ncredit card Application (\xe2\x80\x9cApplication\xe2\x80\x9d) or any person who uses the Card(s). \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d\nmeans GECU, primary address located at 1225 Airway Drive, El Paso, TX 79925. The \xe2\x80\x9cCard\xe2\x80\x9d\nmeans any credit card issued to you or those designated by you under the terms of this\nAgreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or someone authorized by you,\nto make a purchase or an advance whether or not the purchase or advance is evidenced by a\nsigned written document. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of your Card by a person, other than\nyou, who does not have actual, implied or apparent authority for such use, and from\nRev. 6/01/21\n2\n\n\x0cwhich you receive no benefit. In this Agreement, any plural terms shall be deemed singular and\nany singular terms shall be deemed plural when context and construction so require.\nEXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an\nAccount in your name and cause one or more Cards to be issued to you or those designated by\nyou. In such event, you authorize us to pay for your Account, all items reflecting credit purchases,\nbalance transfers, convenience checks, and cash advances obtained through use of the Card.\nBeing a member of GECU is necessary to obtain and maintain use of the Card.\nNOTE:\n\nYou must qualify for a minimum credit line of $2,000 to receive GECU Empowerment credit\ncard benefits. For a complete description of benefits, please refer to the summary of benefits\nprovided with your new card.\nJOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each of\nyou shall be jointly and individually liable to us for all charges made to the Account, including\napplicable fees. In addition, you agree that each of you designates the other as agent for the\npurpose of making purchases extended under this Agreement and each use of your Account shall\nbe an extension of credit to all. Notice to one of you shall constitute notice to all. Any joint\ncardholder may remove him/herself from responsibility for future purchases at any time by\nnotifying us in writing. However, removal from the Account does not release you from any liability\nalready incurred.\nCONVENIENCE CHECKS: We may, at our discretion, issue checks to you. By signing such\nchecks, you authorize us to pay the item for the amount indicated and post such amount as a\ncash advance to your Account. We do not have to pay any item which would cause the\noutstanding balance in your Account to exceed your credit limit. We may reject and return unpaid\nany Convenience Check you write for any reason. Checks used to access your account may not\nbe accepted if made to cash, you, or if presented in a format other than the checks we issue.\nConvenience checks may not be used to pay off existing debt at GECU.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable\nfor all credit extended to such persons. You promise to pay for all purchases, balance transfers,\nconvenience checks, and cash advances made by anyone whom you authorize to use your Card,\nwhether or not you notify us that he or she will be using it. If someone else is authorized to use\nyour card and you want to end that person\xe2\x80\x99s privilege, you must notify us in writing and, if he or\nshe has a Card, you must return the Card with your written notice for it to be effective.\nCREDIT LIMITS: You promise that payments we make for your Account(s) resulting from use of\nthe Card will, at no time, cause the outstanding balance of your Account to exceed your credit\nlimit as established by us or as adjusted from time to time at our discretion.\nTRANSACTION LIMITS: The maximum balance permitted for all cash advance transactions is\n50 percent of your credit limit, subject to the terms and limitations outlined herein. Balance\ntransfers between the GECU credit card programs are not permitted.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances,\nbalance transfers, and convenience checks made by you or anyone whom you authorize to use\nthe Card or Account; (b) FINANCE CHARGES and other charges or fees; (c) collection costs and\nattorneys\xe2\x80\x99 fees as permitted by applicable law and any costs incurred in the recovery of the Card;\nand (d) credit in excess of your credit limit that we may extend to you. At the end of each monthly\nbilling cycle for which you have a balance on your Account, you will be furnished with a\n\nRev. 6/01/21\n3\n\n\x0cperiodic statement showing (i) the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the Account at\nthe beginning of the billing cycle), (ii) the amount of all cash advances, purchases, balance\ntransfers, convenience checks, over-the-limit fees, late charges, annual fees, FINANCE\nCHARGES and other charges or fees posted to your Account during the billing cycle, (iii) the\namount of all payments and credits posted to your Account during the billing cycle and (iv) the\n\xe2\x80\x9cNew Balance\xe2\x80\x9d which is the sum of (i) and (ii) minus (iii).\nYou agree to pay for your Account on or before the Payment Due Date shown on the monthly\nperiodic statement either the entire New Balance or a Minimum Payment equal to any amount,\nwhich is at least 2% of the New Balance or $25.00 whichever is greater, plus any amount in\nexcess of the credit limit established by us and any past due minimum payments. If the New\nBalance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance\nof the due date without a penalty and you may repay any funds advanced, credit extended or\namount outstanding at any time without a penalty for early payment. Regardless of the amount of\nany extra payment during a given month, a monthly payment will be required the following month\nif a balance remains in your Account.\nCOST OF CREDIT: You will pay a FINANCE CHARGE for all advances made against your\nAccount. FINANCE CHARGES for cash advances, balance transfers, and convenience checks\nbegin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE\non the date they are posted to your Account if you have paid the Account in full by the Payment\nDue Date shown on your previous monthly statement or if there was no previous balance. Cash\nAdvances incur a FINANCE CHARGE from the date they are posted to your Account.\nNo additional FINANCE CHARGES will be imposed on new purchases shown on your statement\nif the New Balance shown on the statement is paid in full by the Payment Due Date reflected on\nthe statement. For purchases made with your Card, there is at least a 25-day grace period within\nwhich the New Balance may be paid without incurring a FINANCE CHARGE.\nThe Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to\nthe \xe2\x80\x9cBalance Subject to FINANCE CHARGE\xe2\x80\x9d which is the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of your\nAccount, including current transactions. The Average Daily Balance is arrived at by taking the\nbeginning balance of your Account each day, adding new cash advances, balance transfers, and\nconvenience checks, and unless you pay your entire Account Balance in full by the Payment Due\nDate shown on your previous monthly statement or there is no previous balance, adding in new\npurchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives\nus the daily balance. The daily balances for the billing cycle are then added together and divided\nby the number of days in the billing cycle. The result is the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d The Periodic\nRate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance\nby the number of days in the billing cycle and applying the respective periodic rate to the product.\nIf your periodic rate is computed based on an Index, your periodic rate(s) may vary.\nIf your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE\nCHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE\nRATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE\nmay vary quarterly. The APR (other than the Introductory APR) is a variable rate determined\nquarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our\nreview of your application and creditworthiness) to the Prime Rate (Index). This Index as\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d column of The Wall Street Journal on the last business day of\neach calendar quarter. If the last business day of a calendar quarter falls on a weekend or a\nholiday, then the Index published on the preceding business day for that month will be used.\n\nRev. 6/01/21\n4\n\n\x0cThe Index will be applied the first day of your billing cycle that ends in the calendar month\nfollowing each quarter end. Your account shall generally be reviewed every 12 to 24 months to\ndetermine the appropriate margin and credit score range, and as otherwise required by law.\nChanges to your ANNUAL PERCENTAGE RATE will be applied upon notification in\naccordance with applicable laws and regulations.\nThe ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or\nconvenience checks in any given billing cycle, except for any Introductory Rate period, will be the\nIndex plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE\nRATES for purchases, balance transfers, and convenience checks are referred to as the Standard\nRate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases,\ncash advances, balance transfers, and convenience checks are set forth in the Additional\nDisclosure.\nFor all, purchases, cash advances, balance transfers, and convenience checks, the Standard\nRate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding\nStandard Rate Daily Periodic Rate of .04904%.\nPlease note that the terms of your account, including any of the ANNUAL PERCENTAGE\nRATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be\nin accordance with the Agreement and Disclosure Statement for your account.\nPENALTY APR: No Penalty APR.\nLIABILITY FOR UNAUTHORIZED USE: Under MasterCard\xe2\x80\x99s\xc2\xae zero liability policy, you will not\nbe liable for an unauthorized transaction, as long as you exercised reasonable care in\nsafeguarding the card from risk of loss or theft, and upon becoming aware, promptly notify our\ndesignee orally or in writing of the loss, theft, or possible unauthorized use at Card Services,\nDispute Processing, P.O. Box 10409, Des Moines, IA 50306, Telephone Number 1.800.810.2252.\nIn any case, your maximum liability for unauthorized use of the Card will not exceed $50.00 and\nyou will not be liable for any unauthorized use that occurs after you notify our designee of the\naddress or telephone number above.\nSKIP PAYMENT OPTION: We may designate a billing period in which you will have an option to\nskip a payment or pay less than the Minimum Payment Due. If you exercise this option, FINANCE\nCHARGES will accrue based on your \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d as described in the GECU\nEmpowerment Credit Card Agreement and Disclosure Statement.\nCREDITING OF PAYMENTS: Payments made on your Account at the address designated for\npayment on the monthly periodic statement or in-person payments at a branch made prior to the\nclose of business will be credited on the date of receipt. If the date of receipt is not a business\nday, your payment will be credited on the first business day following receipt. Payments on your\nAccount will be applied first to collection costs, then to any FINANCE CHARGE and to other fees\ndue, and then to the unpaid principal balance as required by law. We reserve the right to withhold\ncredit availability on any payment. Interest paid or agreed to be paid shall not exceed the\nmaximum amount of interest permissible under applicable law, and in any contingency\nwhatsoever, if we shall receive anything of value deemed interest under applicable law which\nwould exceed the maximum amount of interest permissible under applicable law, the excessive\ninterest shall be applied to the reduction of the unpaid principal amount or refunded to you.\n\nRev. 6/01/21\n5\n\n\x0cATM TRANSACTIONS: When you conduct a transaction at an ATM, you may be charged a\nfee by the ATM operator or any network used to complete the transfer, which may include\nGECU owned ATMs.\nLATE PAYMENT FEE: If a payment is 10 days or more past due, you will be charged a Late\nPayment Fee up to $25. If your minimum payment is less than $25, the Late Payment Fee will be\nequal to your minimum payment.*\nANNUAL FEE: No Annual Fee.\nOVER-THE-LIMIT FEE: No Over-the-Limit Fee.\nRETURNED PAYMENT FEE: We will charge you a Returned Payment Fee up to $25 if any\npayment you send us is returned unpaid for any reason. We will charge you this fee each time\nany payment is returned unpaid, even if it is paid upon resubmission. If your minimum payment is\nless than $25, the Returned Payment Fee will be equal to your minimum payment.*\n*MULTIPLE FEES: In the event that the Late Payment Fee and the Returned Payment Fee apply\nconcurrently, we will not charge you more than one fee for a single event.\nOTHER FEES:\nConvenience Check Fee ....................................... $4.00\nDuplicate Statement Fee ........................................ $5.00\nExpedited Card Fee\xe2\x80\xa6........................................ $29.50\nBalance Transfer Stop Payment Fee\xe2\x80\xa6 ................ $25.00\nTelephone Operator Assistance Fee\n(for expedited service) ........................................ $5.00\nSECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE\nUNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT\nUNION MAY HAVE IN ANY GOODS YOU PURCHASE. YOU SPECIFICALLY GRANT US A\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US\nNOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE\nUNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR\nINDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. SHARES\nAND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT (IRA) OR ANY OTHER\nACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL\nLAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU ARE\nGIVING. COLLATERAL SECURING OTHER LOANS WITH US MAY ALSO SECURE\nPAYMENTS FOR YOUR ACCOUNT UNDER THIS AGREEMENT. YOU MAY WITHDRAW\nTHESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT,\nYOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS\nDUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE\nWE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID\nBALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY\nDURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY\nLENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER,\nAND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD\nACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE\nA COVERED BORROWER.\n\nRev. 6/01/21\n6\n\n\x0cUNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL\nSECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE\nTHIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY\nFOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER\nAGREEMENT.\nDEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep\nany promises you have made under this or any other agreement with us; (3) if you are the subject\nof an order of relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by legal\nprocess, to take any of your money maintained with us; (5) if you have given us false or inaccurate\ninformation in obtaining your Card; or (6) if we reasonably believe that you are unable or unwilling\nto repay your obligations to us.\nACCELERATION: If you are in default, without notice to you, we may accelerate your debt and\ncall any amounts you owe immediately due and payable, plus FINANCE CHARGES which shall\ncontinue to accrue until the entire amount is paid. If you default on your Account you authorize us\nto transfer the balance of your Account to another linked account of yours. You expressly waive\nany right to notice of our intention to accelerate and notice that your debt has been accelerated.\nTERMINATION AND CHANGES: You may terminate this Agreement, by written notice, as to\nfuture advances at any time. We can terminate this Agreement at any time subject to such notice\nas may be required by applicable law. Termination by either party shall not affect your obligation\nto repay any payments made for your Account resulting from use of the Card as well as FINANCE\nCHARGES and other related charges. We may change the terms of this Agreement, including\nthe periodic rate, at any time subject to such notice as may be required by applicable law.\nCLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF THIS\nAGREEMENT: We may close or suspend your Account at any time without prior notice. You may\nalso close your Account by notifying us. Once your account is closed, (A) you may not make any\nnew transactions, and you must destroy all Cards and Convenience Checks; and (B) you must\nrepay any outstanding balance pursuant to the Terms of this Agreement. Closing the Account will\nnot prevent transactions from being added to the Account and you will remain liable for all unpaid\nbalances including transactions made or processed after the date the Account is closed.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING\nAGENCIES: We may report the status and payment history of your Account to credit reporting\nagencies each month. If you believe that the information we have reported is inaccurate or\nincomplete, please notify us in writing at our primary address shown in the Terms of this\nAgreement section of this Agreement. Please include your name, address, home telephone\nnumber and Account number.\nCREDIT INVESTIGATION: In conjunction with your application for credit and, if approved,\nmaintenance of your Account, you agree that we have the right to investigate your credit and\nemployment history, to verify your credit references, to request and use credit reports, and to\nreport the way you pay your Account to credit bureaus and other interested parties.\nILLEGAL TRANSACTIONS: You may not use your Card for any illegal transaction. You agree\nthat we may decline to process any transaction that we believe in good faith to be for an illegal\npurpose. You agree that we will not be liable for declining to process any such transaction. If we\n\nRev. 6/01/21\n7\n\n\x0cdo process any transaction that ultimately is determined to have been for an illegal purpose, you\nagree that you will remain liable to us under this agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act\nof default under this Agreement. YOU FURTHER AGREE TO WAIVE ANY RIGHT TO TAKE\nLEGAL ACTION AGAINST GECU FOR YOUR ILLEGAL USE OF THE CARD AND TO\nINDEMNIFY AND HOLD GECU AND MASTERCARD\xc2\xae INTERNATIONAL, INCORPORATED\nHARMLESS FROM AND AGAINST ANY LAWSUIT, OTHER LEGAL ACTION OR LIABILITY\nTHAT RESULTS DIRECTLY OR INDIRECTLY FROM SUCH ILLEGAL USE.\nFOREIGN CURRENCY CONVERSION: If you effect a transaction with your MasterCard card in\na currency other than U.S. dollars, MasterCard International will convert the charge into a U.S.\ndollar amount. MasterCard International will use its currency-conversion procedure, which is\ndisclosed to institutions that issue MasterCard cards. Currently the currency-conversion rate used\nby MasterCard International to determine the transaction amount in U.S. dollars for such\ntransactions is generally either a government-mandated rate or a wholesale rate determined by\nMasterCard International for the processing cycle in which the transaction is processed, increased\nby an adjustment factor established from time to time by MasterCard International. The currencyconversion rate used by MasterCard International on the processing date may differ from the rate\nthat would have been used on the purchase date or cardholder statement posting date. You agree\nthat you will not cause or allow the Card to be used in any manner or for any transaction that we\nbelieve poses an undue risk or illegality and we may refuse to authorize any such use or\ntransaction. You agree that any illegal use of the Card will be deemed an act of default under this\nAgreement.\nForeign Transaction Fee: Foreign transaction fees may apply for three types of transactions:\n1. Card purchases you make or that are processed outside the U.S.;\n2. ATM cash withdrawals made or processed in foreign countries and foreign currencies; or\n3. Online purchases from a non-U.S. retailer that uses an overseas bank to process\ntransactions;\nGECU assess a fee as set forth in the Fees and Charges section above.\nADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the\ntotal Agreement and cannot in any way be severed from it. However, if any provision of this\nAgreement is finally determined to be void or unenforceable under any law, rule, or regulation, all\nother provisions of this Agreement will remain valid and enforceable. You understand that this\nAgreement is performable in the country and state of the aforementioned credit union in this\nAgreement, and the validity, construction, and enforcement of this Agreement shall be governed\nby applicable federal law and the laws of the state in which the aforementioned credit union is\nprimarily located. We do not warrant any merchandise or services purchased by you with the\nCard. All purchases and cash advances are extended at the option of the merchant or cash\nadvancing financial institution and we are not responsible for the refusal of any merchant or\nfinancial institution to honor your Card. The Card remains our property at all times and you agree\nto immediately surrender the Card upon demand. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the recovery of the\nCard. We can accept late payments or partial payments, or check or money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under the Agreement. We can also delay enforcing\nany of our rights under this Agreement without losing them. You expressly waive presentment for\npayment, demand, protest, and notice of protest and dishonor of same. You agree to give us\nprompt notice of any change in your name, mailing address, telephone number or place of\nemployment.\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:\nRev. 6/01/21\n8\n\n\x0cBy using the Card, you agree to all the terms and conditions and promise to perform all the\nobligations, requirements, and duties contained in this Agreement, and you acknowledge receipt\nof a copy of this Agreement.\nGECU, 1225 Airway, El Paso, TX 79925 issues your credit card under this Agreement.\nWHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT\nNOTICE OF YOUR BILLING RIGHTS \xe2\x80\x93\nKEEP THIS NOTICE FOR FUTURE USE.\nThis notice contains important information about your rights and our responsibilities under the Fair\nCredit Billing Act.\nNotify Us in Case of Errors or Questions About Your Statement.\nIf you think your statement is wrong or if you need more information about a transaction on your\nstatement, write us on a separate sheet at the address listed on your statement. Write to us as\nsoon as possible. We must hear from you no later than 60 days after we sent you the first\nstatement on which the error or problem appeared. You can telephone us, but doing so will not\npreserve your rights.\nIn your letter, provide us with the following information: (a) your name and account number; (b)\nthe dollar amount of the suspected error; (c) a description of the error and explain, if you can, why\nyou believe there is an error. If you need more information, describe the item you are not sure\nabout.\nIf you have authorized us to pay your credit card bill automatically from your GECU checking\naccount, you can stop the payment on any amount you think is wrong. To stop the payment, your\nletter must reach us three (3) business days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice.\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then.\nWithin 90 days, we must either correct the error or explain why we believe the statement was\ncorrect. After we receive your letter, we cannot try to collect any amount you question or report\nyou as delinquent. We can continue to bill you for the amount you question, including FINANCE\nCHARGES, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the parts\nof your statement that are not in question. If we find that we made a mistake on your statement,\nyou will not have to pay any FINANCE CHARGES related to any questioned amount. If we didn\xe2\x80\x99t\nmake a mistake, you may have to pay FINANCE CHARGES and you will have to make up any\nmissed payments on the questioned amount. In either case, we will send you a statement of the\namount you owe and the date that it is due. If you fail to pay the amount that we think you owe,\nwe may report you as delinquent. However, if our explanation does not satisfy you and you write\nto us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to\nthat you have a question about your statement. And, we must tell you the name of anyone we\nreported you to. We must tell anyone we report you to that the matter has been settled between\nus when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the questioned amount, even if\nyour statement was correct.\nSpecial Rule for Credit Card Purchases.\nIf you have a problem with the quality of property or services that you purchased with a credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have the\nRev. 6/01/21\n9\n\n\x0cright not to pay the remaining amount due on the property or services. There are two limitations\non this right: (a) you must have made the purchase in your home state, or if not within your home\nstate, within 100 miles of your current mailing address; and (b) the purchase price must have\nbeen more than $50.00. These limitations do not apply if we own or operate the merchant or\nmailed you the advertisement for the property or services.\nGECU MEMBER SERVICE: Call 1.800.810.2252, 24 hours a day, seven days a week. (Please\nhave account information available).\nCalifornia residents: Applicants: 1) may, after credit approval, use the credit card account up to\nits credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As\nrequired by law, you are hereby notified that a negative credit report reflecting on your credit\nrecord may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit\nobligations.\nFlorida Residents: You (borrower) agree that, should We obtain a judgment against You, a portion\nof Your disposable earnings may be attached or garnished (paid to Us by Your employer), as\nprovided by Florida and Federal law.\nMaryland Residents: To the extent, if any, that Maryland law applies to Your Account, We elect\nto offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\nMissouri Residents: Oral Agreements or commitments to loan money, extend credit or to forbear\nfrom enforcing repayment of a debt including promises to extend or renew such debt are not\nenforceable. To protect You (borrower(s)) and Us (creditor) from misunderstanding or\ndisappointment, any Agreements We reach covering such matters are contained in this writing,\nwhich is the complete and exclusive statement of the Agreement between Us, except as We may\nlater agree in writing to modify it.\nNebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska\nlaw. To protect you and us from any misunderstandings or disappointments, any contract,\npromise, undertaking, or offer to forebear repayment of money or to make any other financial\naccommodation in connection with this loan of money or grant or extension of credit, or any\namendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions\nof any instrument or document executed in connection with this loan of money or grant or\nextension of credit, must be in writing to be effective.\nNew York Residents: New York residents may contact the New York State Department of\nFinancial Services to obtain a comparative listing of credit card rates, fees, and grace periods.\nNew York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.\nNew York and Vermont residents: At any time, we may obtain your credit reports, for any\nlegitimate purpose associated with the account or the application or request for an account,\nincluding but not limited to reviewing, modifying, renewing and collecting on your account. On\nyour request, you will be informed if such a report was ordered. If so, you will be given the name\nand address of the consumer reporting agency furnishing the report.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit equally\navailable to all creditworthy customers, and that credit reporting agencies maintain separate credit\nhistories on each individual upon request. The Ohio Civil Rights Commission administers\ncompliance with this law.\nSouth Dakota Residents: If You believe there have been any improprieties in making this loan or\nRev. 6/01/21\n10\n\n\x0cin the lender\xe2\x80\x99s loan practices. You may contact the South Dakota Division of Banking at 1601\nN. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\nUtah Borrowers: This written Agreement is a final expression of the Agreement between You and\nthe Credit Union. This written Agreement may not be contradicted by evidence of any oral\nAgreement. As required by law, You hereby notified that a negative credit report reflecting on\nYour credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of\nYour credit obligations.\nMarried Wisconsin residents: No provision of any marital property agreement, unilateral statement\nunder Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the\nCredit Union unless the Credit Union is furnished a copy of the agreement, statement or decree,\nor has actual knowledge of its terms, before the credit is granted or the account is opened.\nPlease sign if you are not applying for this account or loan with your spouse. The credit being\napplied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.\nTHE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR\nSIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT\nOF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT\nTO COLLECT FROM YOU.\n\nRev. 6/01/21\n11\n\n\x0c'