CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 
FOR YOUR GECU REWARDS  CREDIT CARD 

Disclosure to GECU Rewards Credit Card Agreement and Disclosure Statements 

Disclosure of variable rates and fees are accurate and based on the Prime Rate of 4.75% in effect  
as of July 1, 2022 and may have changed. To receive the most recent information, contact GECU  
at 1-800-772-4328. 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases, 
Balance Transfers, and 
Convenience Checks 

12.24%,13.24%, 15.24% or 17.90%as of 7-1-22, 
depending on your creditworthiness1

This APR will vary on the market based on the Prime Rate. 2 
2%  above your APR for Purchases, not to exceed 17.90%. 

APR for Cash Advances 

Penalty APR and When it 
Applies 
Paying Interest 

How to Avoid Paying 
Interest on Purchases 

The APR will vary on the market based on the Prime Rate. 2 
None 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash advances, 
balance transfers, and convenience checks on the transaction date. 
Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. 

Minimum Interest Charge  None 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

Fees and Charges 
Annual Fee 
Transaction Fees 
Balance Transfer 
Foreign Transaction 

Penalty Fees 

Late Payment 
Over-the-Limit 
Returned Payment 

None 

None 
1%  of transaction 

If payment is 10 days or more past due, you will be charged up to $25. 
None 
Up to $25 

How We Will Calculate your Balance: We will use a  method called <average  daily balance (including 
purchases)=. See your account agreement for more details. 

Military Lending Act Disclosures: 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  (APR) of  36%. This rate  must include, as applicable to the credit transaction or account: The costs 
associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for s pecified credit transactions 
or  accounts); and  any  participation fee  charged  (other  than  certain  participation fees  for  a  credit card 
account). Please call us at (844) 351-4328 to receive disclosures orally. 

Billing Rights:  Information  on  your  rights to  dispute transactions and  how  to  exercise those rights  is 
provided in your account agreement. 

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1 The Periodic Rate (DPR) for the APRs listed in the table above are as follows:  

Standard Rate DPR 
12.24% APR (.03353% DPR) 
13.24% APR (.03627% DPR) 
15.24% APR (.04175% DPR) 
17.90% APR (.04904% DPR) 

Cash Advance Rate DPR 

14.24% APR (.03901% DPR) 
15.24% APR (.04175% DPR) 
17.24% APR (.04723% DPR) 
17.90% APR (.04904% DPR) 

2  The  Standard  Rate  Annual Percentage Rate  (APR)  may vary  quarterly. The  APR  is  a  variable  rate 
determined quarterly by adding a margin of  7.49% to 13.49%, not to exceed 17.90%, (depending on our 
review  of  your application and credit history) to the Prime Rate (Index) which is published in the <Money 
Rates= column of The Wall Street Journal on the last business day of each calendar quarter. The Index will 
be applied the first day of  your billing cycle that ends in  the calendar month following each quarter end. 
Your account shall generally be reviewed periodically to determine the appropriate margin and credit score 
range,  and  as  otherwise required  by  law.  Changes  to  your  APR  will  be  applied  upon  notification in 
accordance with applicable laws and regulations. 

Notice: Read and retain this copy of your Agreement and Truth-in-Lending Disclosure for 
future reference. 

IN  THIS  AGREEMENT:  This  Agreement  and  Disclosure  Statement 
TERMS  USED 
(<Agreement=) cover your GECU Rewards credit card (<Account=) with us. In this Agreement, the 
word <you= and <your= means any person who signs the GECU Rewards credit card Application 
(<Application=) or any person who uses the Card(s). <We,= <our,= and <us= means GECU, primary 
address located at 1225 Airway Drive, El Paso, TX 79925. The <Card= means any GECU Rewa rds 
credit card issued to you or those designated by you under the terms of this Agreement. <Use of 
the Card= means any procedure used by you, or someone authorized by you, to make a purchase 
or  an  advance  whether  or  not  the  purchase or  advance is  evidence d by  a  signed  written 
document. <Unauthorized use= means the use of your Card by a person, other than you, who does 
not have actual, implied or apparent authority for such use, and from which you receive no benefit. 
In  this Agreement, any plural terms shall be deemed singular and any singular terms shall be 
deemed plural when context and construction so require. 

GECU  CREDIT  CARD  REWARDS  PROGRAM:  The  GECU  Rewards  credit  card  program 
(<Program=) is offered by GECU, administered by third-party providers The Members Group, LLC, 
(<Sponsor=), and managed by Augeo Consumer Engagement Services, LLC (<Administrator=). 
Participation in the Program is exclusive to those individuals who have a current GECU Rewards 
credit  card issued  by  us.  The  Sponsor and  GECU  reserve  the  right  to  disqualify you  from 
participation in the Program and invalidate all Points  for abuse, fraud, or any violation of the 
Program terms and conditions. The Sponsor or GECU may make such a determination at its sole 
discretion. The Program  is  void  where  prohibited by  federal, state,  or local  law.  GECU,  the 
Sponsor and  Administrator reserve the  right  to  cancel  the  Program, change the  terms  and 
conditions of the Program, and change the points required for a reward within the Program, at 
any time, in accordance with applicable law. Eligibility in the Program is restricted to individuals 
who have a statement address within the 50 United States, the District of Columbia, or any U.S. 
Possession or Territory. 

For  questions,  concerns,  or  complaints  concerning  the  Program,  please  contact  the 
Administrator’s customer service center at 888-715-2593 or visit gecu.com. You should expect a 
resolution to all inquiries within three (3) business days. The travel redemption center is available 
Monday through Friday from 9:00 a.m. to 10:00 p.m. ET, Weekends from 9:00 a.m. to 1:00 p.m. 
ET. Closed New Year’s Day, Easter, Memorial Day, Thanksgiving and Christmas. 
EXTENSION OF CREDIT: If your Application is approved, we may, at our discretion, establish an 
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Account in your name and cause one or more Cards to be issued to you or those designated by 
you. In such event, you authorize us to pay for your Account, all items reflecting credit purchases, 
balance transfers, convenience checks, and cash advances obtained through use of t he Card. 
Being a member of GECU is necessary to obtain and maintain use of the Card.  

NOTE: You must qualify for a minimum credit line of $5,000 to receive GECU Rewards credit card 
benefits. For a complete description of benefits, please refer to the summa ry of benefits provided 
with your new card. 

JOINT APPLICANT  LIABILITY:  If this Agreement is executed by more than one person, each of 
you shall be jointly and individually liable to us for all charges made to the Account, including 
applicable fees. In addition, you agree that each of you designates the other as agent for the 
purpose of making purchases extended under this Agreement and each use of your Account shall 
be  an extension of  credit to  all.  Notice  to  one of  you shall  constitute notice to all.  Any  joint 
cardholder may  remove  him/herself  from  responsibility for  future purchases at  any  time  by 
notifying us in writing. However, removal from the Account does not release you from any liability 
already incurred. 

CONVENIENCE  CHECKS:  We may,  at our discretion, issue checks to you. By  signing such 
checks, you authorize us to pay the item for the amount indicated and post such amount as a 
cash  advance  to  your  Account.  We  do  not  have  to  pay  any  item  which  would  cause  the 
outstanding balance in your Account to exceed your credit limit. We may reject and return unpaid 
any Convenience Check you write for any reason. Checks used to access your account may not 
be accepted if made to cash, you, or if presented in a format other than the checks we  issue. 
Convenience checks may not be used to pay off existing debt at GECU. 

OTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable 
for all credit extended to such persons. You promise to pay for all purchases, balance transfers, 
convenience checks, and cash advances made by anyone whom you authorize to use your Card, 
whether or not you notify us that he or she will  be using it. If someone else is authorized to use 
your card and you want to end that person’s privilege, you must notify us in wr iting and, if he or 
she has a Card, you must return the Card with your written notice for it to be effective.  

CREDIT LIMITS: You promise that payments we make for your Account(s) resulting from use of 
the Card will, at no time, cause the outstanding balance of your Account to exceed your credit 
limit as established by us or as adjusted from time to time at our discretion.  

TRANSACTION  LIMITS: The maximum  balance permitted for all cash advance transactions is 
50  percent of  your  credit limit,  subject to  the  terms  and  limitations outlined herein. Balance 
transfers between the GECU credit card programs are not permitted. 

PROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances, 
balance transfers, and convenience checks made by you or anyone whom you authorize to use 
the Card or Account; (b) FINANCE CHARGES and other charges or fees; (c) collection costs and 
attorneys’ fees as permitted by applicable law and any costs incurred in the recovery of the Card; 
and (d) credit in excess of your credit limit that we may extend to you. At the end of each monthly 
billing cycle for which you have a balance on your Account, you will be furnished with a periodic 
statement showing  (i) the <Previous Balance= (the outstanding balance in the Acco unt at  the 
beginning of the billing cycle), (ii) the amount of all cash advances, purchases, balance 

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transfers,  convenience  checks,  over-the-limit  fees,  late  charges,  annual  fees,  FINANCE 
CHARGES  and other charges or fees posted to your Account during the billing cycle, (iii) the 
amount of all payments and credits posted to your Account during the billing cycle and (iv) the 
<New Balance= which is the sum of (i) and (ii) minus (iii). 

You agree to pay for your Account on or before the Payment Due Date shown on the monthly 
periodic statement either the entire New  Balance or a Minimum  Payment equal to any amount, 
which  is at least 2% of the New  Balance or $25.00 whichever is  greater, plus any amount in 
excess of the credit limit  established by us and any past due minimum  payments. If  the  New 
Balance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance 
of the due date without a penalty and you may repay any funds advanced, credit extended or 
amount outstanding at any time without a penalty for early payment. Regardless of the amount of 
any extra payment during a given month, a monthly payment will be required the following month 
if a balance remains in your Account. 

COST  OF CREDIT:  You  will  pay a  FINANCE  CHARGE  for all  advances made against your 
Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks 
begin to accrue on the date of the advance. New purchases will not incur a  FINANCE CHARGE 
on the date they are posted to your Account if you have paid the Account in full by the Payment 
Due Date shown on your previous monthly statement or if there was no previous balance. Cash 
Advances incur a FINANCE CHARGE from the date they are posted to your Account. 

No additional FINANCE CHARGES will be imposed on new purchases shown on your statement 
if the New  Balance shown on the statement is paid in full by the Payment Due Date reflected on 
the statement. For purchases made with your Card, there is at least a 25 -day grace period within 
which the New Balance may be paid without incurring a FINANCE CHARGE. 

The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to 
the  <Balance Subject to  FINANCE  CHARGE=  which  is  the  <Average Daily  Balance= of  your 
Account, including current transactions. The Average Daily Balance is arrived at by taking the 
beginning balance of your Account each day, adding new cash advances, balance transfers, and 
convenience checks, and unless you pay your entire Account Balance in full by the Payment Due 
Date shown on your previous monthly statement or there is no previous balance, adding in new 
purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives 
us the daily balance. The daily balances for the billing cycle are then added together and divided 
by the number of days in the billing cycle. The result is the <Average Daily Balance.= The Periodic 
Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance 
by the number of days in the billing cycle and applying the respective periodic rate to the product. 
If your periodic rate is computed based on an Index, your periodic rate(s) may  vary. 

The APR is a variable rate determined quarterly by adding a margin of 7.49% to 13.49%, not to 
exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the 
Prime Rate (Index). This Index  as published in the <Money Rates= column of The Wall Street 
Journal on the last business day of each calendar quarter. If the last business day of a calendar 
quarter falls on a weekend or a holiday, then the Index published on the preceding business day 
for that month will be used. The Index will be applied the first day of your  billing cycle that ends in 
the  calendar month  following  each  quarter end.  Your  account  shall  generally  be  reviewed 
periodically to determine the appropriate margin and credit score range, and as otherwise required 
by law.  Changes to your  ANNUAL  PERCENTAGE  RATE  will  be  applied upon notification in 
accordance with applicable laws and regulations. 

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The  ANNUAL  PERCENTAGE  RATE  for  purchases, cash  advances, balance  transfers, or 
convenience checks in any given billing cycle will be the Index plus the margin as set forth in the 
Additional Disclosure. The ANNUAL  PERCENTAGE  RATES  for purchases, balance transfers, 
and  convenience checks are  referred to  as  the  Standard Rate.  The daily  periodic rate and 
corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, 
and convenience checks are set forth in the Additional Disclosure. 

For all, purchases, cash advances, balance transfers, and convenience checks, the Standard 
Rate ANNUAL  PERCENTAGE  RATE  will  never be greater than 17.90% with  a corresponding 
Standard Rate Daily Periodic Rate of .04904%. 

Please  note  that the  terms  of  your  account, including  any  of  the  ANNUAL  PERCENTAGE 
RATES,  are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be 
in accordance with the Agreement and Disclosure Statement for your account. 

PENALTY APR: No Penalty APR. 

LIABILITY FOR UNAUTHORIZED  USE:  Under MasterCard’s® zero liability policy, you will  not 
be  liable  for  an  unauthorized  transaction,  as  long  as  you  exercised  reasonable  care  in 
safeguarding the card from risk of loss or theft, and upon becoming aware, promptly notify  our 
designee orally or in  writing of the loss, theft, or possible unauthorized use at Card Services, 
Dispute Processing, P.O. Box 10409, Des Moines, IA 50306, Telephone Number 1.800.810.2252. 
In any case, your maximum liability for unauthorized use of the Card will not exceed $ 50.00 and 
you will  not be liable for any unauthorized use that occurs after you notify our designee of the 
address or telephone number above. 

SKIP PAYMENT OPTION: We may designate a billing period in which you will have an option to 
skip a payment or pay less than the Minimum Payment Due. If you exercise this option, FINANCE 
CHARGES  will  accrue based  on  your  <Average Daily  Balance= as  described in  the  GECU 
Rewards Credit Card Agreement and Disclosure Statement. 

CREDITING OF PAYMENTS:  Payments made on your Account at the address designated for 
payment on the monthly periodic statement or in-person payments at a branch made prior to the 
close of business will  be credited on the date of receipt. If the date of receipt is not a business 
day, your payment will  be credited on the first business day following receipt. Payments on your 
Account will be applied first to collection costs, then to any FINANCE CHARGE and to other fees 
due, and then to the unpaid principal balance as required by law. We reserve the right  to withhold 
credit  availability on  any  payment.  Interest  paid or  agreed to  be  paid  shall  not  exceed  the 
maximum  amount  of  interest  permissible  under  applicable  law,  and  in  any  contingency 
whatsoever, if we  shall receive anything of value deemed interest u nder applicable law which 
would exceed the maximum  amount of interest permissible under applicable law, the excessive 
interest shall be applied to the reduction of the unpaid principal amount or refunded to  you. 

ATM TRANSACTIONS:  When you conduct a transaction at an ATM, you may be charged a 
fee by the ATM operator or any network used to complete the transfer, which may include 
GECU owned ATMs. 

LATE  PAYMENT FEE:  If a payment is 10 days or more past due, you will  be charged a Late 
Payment Fee up to $25. If your minimum payment is less than $25, the Late Payment Fee will be 
equal to your minimum payment.* 

ANNUAL  FEE: No Annual Fee. 

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OVER-THE-LIMIT FEE: No Over-the-Limit Fee. 

RETURNED  PAYMENT FEE:  We will  charge you a Returned Payment Fee up  to $25 if any 
payment you send us is returned unpaid for any reason. We will charge you this fee each time 
any payment is returned unpaid, even if it is paid upon resubmission. If your minimum payment is 
less than $25, the Returned Payment Fee will be equal to your minimum payment.* 

*MULTIPLE FEES: In the event that the Late Payment Fee and the Returned Payment Fee apply 
concurrently, we will not charge you more than one fee for a single event.  

OTHER FEES: 
Convenience Check Fee ......................................$4.00 
Duplicate Statement Fee....................................... $5.00 
Expedited Card Fee… ...................................... $29.50 
Balance Transfer Stop Payment Fee… ............... $25.00 
Telephone Operator Assistance Fee 

(for expedited service)....................................... $5.00 

SECURITY:  YOU  GRANT  THE  CREDIT  UNION  A  SECURITY  INTEREST  UNDER  THE 
UNIFORM COMMERCIAL CODE AND  UNDER ANY COMMON LAW RIGHTS THE CREDIT 
UNION MAY HAVE IN ANY GOODS YOU PURCHASE. YOU SPECIFICALLY GRANT US A 
SECURITY INTEREST  IN ALL  INDIVIDUAL  AND  JOINT ACCOUNTS  YOU HAVE  WITH US 
NOW AND  IN THE  FUTURE TO  SECURE  REPAYMENT OF CREDIT  EXTENSIONS  MADE 
UNDER  THIS  AGREEMENT.  THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A 
CONDITION FOR THE  ISSUANCE  OF ANY CARD  WHICH YOU MAY USE,  DIRECTLY OR 
INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. SHARES 
AND  DEPOSITS  IN  AN  INDIVIDUAL  RETIREMENT  ACCOUNT  (IRA)  OR  ANY  OTHER 
ACCOUNT THAT WOULD LOSE SPECIAL  TAX TREATMENT UNDER STATE  OR FEDERAL 
LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU ARE 
GIVING.  COLLATERAL  SECURING  OTHER  LOANS  WITH  US  MAY  ALSO  SECURE 
PAYMENTS  FOR  YOUR  ACCOUNT  UNDER  THIS  AGREEMENT.  YOU  MAY WITHDRAW 
THESE OTHER SHARES  UNLESS  YOU ARE  IN DEFAULT.  WHEN YOU ARE  IN DEFAULT, 
YOU AUTHORIZE US TO APPLY THE BALANCE  IN THESE ACCOUNTS TO ANY AMOUNTS 
DUE. FOR EXAMPLE, IF YOU HAVE  AN  UNPAID  CREDIT CARD  BALANCE,  YOU AGREE 
WE  MAY USE  FUNDS  IN  YOUR  ACCOUNT(S)  TO  PAY  ANY  OR  ALL  OF THE  UNPAID 
BALANCE.  YOU ACKNOWLEDGE  AND  AGREE THAT  YOUR PLEDGE DOES  NOT APPLY 
DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY 
LENDING  ACT.  FOR CLARITY,  YOU WILL  NOT  BE  DEEMED A  COVERED BORROWER, 
AND  YOUR  PLEDGE  WILL  APPLY,  IF:  (I)  YOU  ESTABLISHED  YOUR  CREDIT  CARD 
ACCOUNT WHEN YOU WERE NOT A  COVERED BORROWER; OR (II) YOU CEASE  TO BE 
A COVERED BORROWER. 

UNLESS  OTHERWISE  PROHIBITED  BY FEDERAL  AND/OR  STATE  LAW,  COLLATERAL 
SECURING OTHER  LOANS  YOU HAVE  WITH  THE  CREDIT  UNION  MAY ALSO  SECURE 
THIS LOAN,  EXCEPT  THAT  A  DWELLING  WILL NEVER  BE CONSIDERED AS  SECURITY 
FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER 
AGREEMENT. 

EARNING POINTS: You will earn (<Points=) for all purchases of eligible goods and services using 
your Rewards Card. Points are earned at a rate of 1.5 point per $1 spent on qualifying purchases. 
The calculation for Points earned is based on whole dollars and is rounded to the 

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nearest whole dollar, i.e. $21.25 = $21 = 31.5 points; $49.51 = $50 = 75 points). There is no limit 
to the number of Points you can earn in a billing cycle or within a Program year. The Program 
year is based on the month of the Program registration (i.e. account  opening). 

Points accumulated for other products or services are determined at the sole discretion of the 
Sponsor and GECU.  GECU reserves the right to amend the types of purch ases that qualify to 
earn points, to include special Reward Promotions that the Credit Union may offer from time to 
time.  Cash advances, balance transfers, ATM  transactions, and transactions with  the  use of 
convenience checks are not eligible to earn points. To be eligible to earn Points, your  account(s) 
must be open (meaning not closed, canceled or terminated for any reason) and the Rewards Card 
cannot be delinquent and/or over the limit. 

Point earnings are based on  the net retail purchase transaction vo lume (i.e., purchases less 
credits, returns, and adjustments) charged to your Rewards Card during each day. Net purchases 
are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a 
billing dispute, the Point value of the transaction may be deducted from the Point total during the 
dispute period. If the transaction is reinstated, points will be reinstated.  

If more than one card has been issued for the same account, the Points earned from each card 
will automatically be pooled together into one available Point balance. 

Points may not be combined with any other loyalty/frequency reward program that is not managed 
by the Sponsor and GECU. 

The Sponsor and GECU  reserve the right to award bonus Points for any activity or  condition it 
decides, to  include awarding bonus points for promotional periods to  qualifying cardholders. 
Points are not your property and cannot be bought, sold, or transferred in any way (including upon 
death or as part of a domestic relations matter). Points are tracked and redeemable on first-in, 
first-out basis. Refer to the redemption website (gecu.com) for point expiration details. GECU, the 
Sponsor and Administrator shall have no liability for disagreements with you regarding points. The 
Sponsor’s decisions regarding Point discrepancies shall be final. 

REDEEMING POINTS:  At  the  Sponsor’s and  GECU’s  option, redemption of  points may  be 
restricted, limited, expired or cancelled at any time without prior notice. To redeem points, visit 
the redemption website (gecu.com) or call the member service department at 1.888.715.2593. To 
be eligible to redeem Points, your account(s) must be open (meaning not closed, canceled, or 
terminated for any reason) and the Rewards Card cannot be delinquent and/or over the li mit. 

Points are deducted from your point balance as soon as they are redeemed. Points must  be 
redeemed by you, but can be used to provide a reward for another person of your choice.  

You agree to release GECU, the Sponsor and Administrator and each of the ir vendors from all 
liability for any injury, accident, loss, claim, expense or damages sustained by you associated 
with  a reward or use of rewards while  participating in this Program and in the case of a travel 
reward, anyone traveling with or without you, in connection with the receipt, ownership, or use of 
any  reward. GECU,  the  Administrator and  the Sponsor shall  not be  liable  for consequential 
damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward.  

You are responsible for determining any tax  liability arising from participation in the Program. 
Consult a tax advisor concerning tax consequences. 

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Please see the Programs’ website at gecu.com for additional information concerning the rewards 
options available and the terms and conditions surrounding those offers. Other fees may apply at 
the time of point redemption depending on the category of reward you select for point  redemption. 

EXPIRATION  AND  FORFEITURE OF POINTS: Points will  expire three years (3) from earning 
and the oldest Points will  expire first (i.e. first in, first out). Points will  expire on the billing cycle 
date within the month of expiration. Points will  be forfeited if your Account is closed, revoked, 
frozen, delinquent and/or over the limit, or if you are in bankruptcy. 

DEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep 
any promises you have made under this or any other agreement with us; (3) if you are the subject 
of an order of relief under Title 11 of the U.S.  Code (Bankruptcy); (4) if anyone tries, by legal 
process, to take any of your money maintained with us; (5) if you have given us false or inaccurate 
information in obtaining your Card; or (6) if we reasonably believe that you are unable or unwilling 
to repay your obligations to us. 

ACCELERATION:  If you are in default, without notice to you, we may accelerate your debt and 
call any amounts you owe immediately due and payable, plus FINANCE CHARGES which shall 
continue to accrue until the entire amount is paid. If you default on your Account you authorize us 
to transfer the balance of your Account to another linked account of yours. You expressly waive 
any right to notice of our intention to accelerate and notice that your de bt has been accelerated. 

TERMINATION AND  CHANGES:  You may terminate this Agreement, by written notice, as to 
future advances at any time. We can terminate this Agreement at any time subject to such notice 
as may be required by applicable law. Termination by either party shall not affect your obligation 
to repay any payments made for your Account resulting from use of the Card as well as FINANCE 
CHARGES  and other related charges. We may change the terms of this Agreement, including 
the periodic rate, at any time subject to such notice as may be required by applicable law. 

CLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF  THIS 
AGREEMENT: We may close or suspend your Account at any time without prior notice. You may 
also close your Account by notifying us. Once your account is closed, (A) you may not make any 
new transactions, and you must destroy all Cards and Convenience Checks; and (B) you must 
repay any outstanding balance pursuant to the Terms of this Agreement. Closing the Account will 
not prevent transactions from being added to the Account and you will remain liable for all unpaid 
balances including transactions made or processed after the date the Account is closed.  

NOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING 
AGENCIES:  We may report the status and payment history of your Account to credit reporting 
agencies each month. If  you  believe that  the information we  have reported is  inaccurate or 
incomplete,  please notify  us  in  writing  at  our  primary  address  shown  in  the  Terms  of  t his 
Agreement section of  this  Agreement. Please include  your name,  address, home  telephone 
number and Account number. 

CREDIT  INVESTIGATION:  In  conjunction with  your  application for  credit  and,  if  approved, 
maintenance of your Account, you agree that we  have the right to investigate your credit and 
employment history, to verify your credit references, to request and use credit reports, and to 
report the way you pay your Account to credit bureaus and other interested parties. 

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ILLEGAL  TRANSACTIONS:  You may not use your Card for any illegal transaction. You agree 
that we  may decline to process any transaction that we believe in good faith to be for an illegal 
purpose. You agree that we will not be liable for declining to process any such trans action. If we 
do process any transaction that ultimately is determined to have been for an illegal purpose, you 
agree  that  you  will  remain  liable  to  us  under  this  agreement  for  any  such  transaction 
notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act 
of default under this Agreement.  YOU FURTHER AGREE TO WAIVE ANY RIGHT TO TAKE 
LEGAL  ACTION  AGAINST  GECU  FOR  YOUR  ILLEGAL  USE  OF  THE  CARD  AND  TO 
INDEMNIFY AND HOLD GECU AND  MASTERCARD®  INTERNATIONAL,  INCORPORATED 
HARMLESS FROM AND AGAINST  ANY LAWSUIT,  OTHER LEGAL  ACTION OR LIABILITY  
THAT RESULTS DIRECTLY OR INDIRECTLY FROM SUCH ILLEGAL USE. 

FOREIGN CURRENCY CONVERSION: If you effect a transaction with your MasterCard card in 
a currency other than U.S.  dollars, MasterCard International will convert the charge into a U.S. 
dollar amount. MasterCard International will  use  its  currency-conversion procedure, which  is 
disclosed to institutions that issue MasterCard cards. Currently the currency-conversion rate used 
by  MasterCard  International  to  determine  the  transaction amount  in  U.S.  dollars  for  such 
transactions is generally either a government-mandated rate or a wholesale rate determined by 
MasterCard International for the processing cycle in which the transaction is pr ocessed, increased 
by an adjustment factor established from time to time by MasterCard International. The currency-
conversion rate used by MasterCard International on the processing date may differ from the rate 
that would have been used on the purchase date or cardholder statement posting date. You agree 
that you will not cause or allow the Card to be used in any manner or for any transaction that we 
believe  poses an  undue  risk  or  illegality  and  we  may  refuse to  authorize any  such  use  or 
transaction. You agree that any illegal use of the Card will be deemed an act of default under this  
Agreement. 

Foreign Transaction Fee: Foreign transaction fees may apply for three types of transactions:  

1.  Card purchases you make or that are processed outside the U.S.;   
2.  ATM cash withdrawals made or processed in foreign countries and foreign currencies; or  
3.  Online  purchases from  a  non-U.S.  retailer that  uses  an  overseas  bank  to  process 

transactions;  

GECU assess a fee as set forth in the Fees and Charges section above. 

ADDITIONAL  PROVISIONS: Each provision of this Agreement must be considered part of the 
total Agreement and cannot in any way  be severed from it. However,  if  any provision of this 
Agreement is finally determined to be void or unenforceable under any law, rule,  or regulation, all 
other provisions of this Agreement will  remain valid and enforceable. You understand that this 
Agreement is  performable in the country and state of the aforementioned credit union in this 
Agreement, and the validity, construction, and enforcement of this Agreement shall be governed 
by applicable federal law  and the laws of the state in which the aforementioned credit union is 
primarily located. We do not warrant any merchandise or services purchased by you with  the 
Card. All  purchases and cash advances are extended at the option of the merchant or cash 
advancing financial institution and we  are not responsible for the refusal of  any merchant or 
financial institution to honor your Card. The Card remains our property at all times and you ag ree 
to  immediately  surrender the Card upon demand. You  agree to  pay  all  reasonable costs of 
collection, including court costs and attorney’s fees, and any costs incurred in the recovery of the 
Card. We  can accept late payments or  partial payments, or check or  money orders marked 
<payment in  full=  without  losing  any  of  our  rights under the  Agreement. We  can  also  delay 
enforcing any  of  our  rights under this  Agreement without  losing them.  You  expressly waive 
presentment for payment, demand, protest, and notice of  protest and dishonor of same. You 
agree to give us prompt notice of any change in your name, mailing address, telephone number 

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or place of employment. 

RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT: 
By  using the Card, you agree to all  the terms and conditions and promise to perform all the 
obligations, requirements, and duties contained in this Agreement, and you acknowledge receipt 
of a copy of this Agreement. 

GECU, 1225 Airway, El Paso, TX 79925 issues your credit card under this Agr eement. 

WHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT 

NOTICE OF YOUR BILLING RIGHTS 3 
KEEP THIS NOTICE FOR FUTURE USE. 
This notice contains important information about your rights and our responsibilities under the Fair 
Credit Billing Act. 

Notify Us in Case of Errors or Questions About Your Statement. 
If you think your statement is wrong or if you need more information about a transaction on your 
statement, write us on a separate sheet at the address listed on your statement. Write to us as 
soon as  possible. We  must  hear from you  no later than 60  days after we  sent you  the first 
statement on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

In your letter, provide us with the following information: ( a) your name and account number; (b) 
the dollar amount of the suspected error; (c) a description of the error and explain, if you can, why 
you believe there is an error. If you need more information, describe the item you are not sure 
about. 

If  you have authorized us to pay your credit card bill automatically from your GECU  checking 
account, you can stop the payment on any amount you think is wrong. To stop the payment, your 
letter must reach us three (3) business days before the automatic payment is sche duled to occur. 

Your Rights and Our Responsibilities After We Receive Your Written Notice.  
We must acknowledge your letter within  30 days, unless we have corrected the error by then. 
Within 90 days, we must either correct the error or explain why  we belie ve the statement was 
correct. After we receive your letter, we cannot try to collect any amount you question or report 
you as delinquent. We can continue to bill you for the amount you question, including FINANCE 
CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to 
pay any questioned amount while we are investigating, but you are still obligated to pay the parts 
of your statement that are not in question. If we find that we made a mistake on your statement, 
you will not have to pay any FINANCE CHARGES related to any questioned amount. If we didn’t 
make a mistake, you may have to pay FINANCE CHARGES and you will have to make up any 
missed payments on the questioned amount. In either case, we will send you a statement of the 
amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, 
we may report you as delinquent. However, if our explanation does not satisfy you and you write 
to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to 
that you have a question about your statement. And, we must tell you the name of anyone we 
reported you to. We must tell anyone we report you to that the matter has been settled between 
us when it finally is. 

If we don’t follow these rules, we can’t collect the first $50.00 of the questioned amount, even if 
your statement was correct. 

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Special Rule for Credit Card Purchases. 
If  you have a problem with  the quality of property or services that you purchased with a credit 
card, and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the property or services. There are two  limitations 
on this right: (a) you must have made the purchase in your home state, or if not within your home 
state, within 100 miles of your current mailing address; and (b) the purchase price must have 
been more than $50.00. These limitations do not apply if we  own  or operate the merchant or 
mailed you the advertisement for the property or services. 

GECU MEMBER SERVICE: Call 1.800.810.2252, 24 hours a day, seven days a week. (Please 
have account information available). 

California residents: Applicants: 1) may, after credit approval, use the credit card account up to 
its credit limit;  2) may be liable for amounts extended under the plan to any joint applicant. As 
required by law,  you are hereby notified that a  negative credit report reflecting on your credit 
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit 
obligations. 

Florida Residents: You (borrower) agree that, should We obtain a judgment against You, a 
portion of Your disposable earnings may be attached or garnished (paid to Us by Your 
employer), as provided by Florida and Federal law. 

Maryland Residents: To the extent, if any, that Maryland law applies to Your Account, We elect 
to offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 

Missouri Residents: Oral Agreements or commitments to loan money, extend credit or to 
forbear from enforcing repayment of a debt including promises to extend or renew such 
debt  are  not  enforceable.  To  protect  You  (borrower(s))  and  Us  (creditor)  from 
misunderstanding or disappointment, any Agreements We reach covering such matters 
are contained in  this  writing, which is  the complete and exclusive statement of  the 
Agreement between Us, except as We may later agree in writing to modify it. 

Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska 
law.  To  protect you  and  us  from  any  misunderstandings or  disappointments, any  contract, 
promise, undertaking, or offer to forebear repayment of money or to make any other financial 
accommodation in  connection with this  loan of money or grant or  extension of  credit, or any 
amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions 
of  any  instrument or  document executed  in  connection with  this  loan  of  money  or  grant or 
extension of credit, must be in writing to be effective. 

New  York Residents: New  York  residents may  contact the  New  York  State  Department of 
Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. 
New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. 

New  York  and Vermont  residents: At  any  time,  we  may  obtain your  credit  reports, for  any 
legitimate purpose associated with  the account or  the application or request for  an account, 
including but not limited to reviewing, modifying, renewing and collecting on your account. On 
your request, you will be informed if such a report was ordered. If so, you will be given the name 
and address of the consumer reporting agency furnishing the report. 

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally 
available to all creditworthy customers, and that credit reporting agencies maintain separate credit 
histories  on  each  individual  upon  request.  The  Ohio  Civil  Rights  Commission  administers 
compliance with this law. 

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South Dakota Residents: If You believe there have been any improprieties in making this loan or 
in the lender’s loan practices, You may contact the South Dakota Division of Banking at 1601 
N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.  

Utah Borrowers: This written Agreement is a final expression of the Agreement between You and 
the  Credit Union.  This  written  Agreement may  not be  contradicted by  evidence of  any  oral 
Agreement. As required by 

Married Wisconsin residents: No provision of any marital property agreement, unilateral statement 
under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the 
Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, 
or has actual knowledge of its terms, before the credit is granted or the account is opened.  

Please sign if you are not applying for this account or loan with  your spouse. The credit being 
applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned. 

THE FOLLOWING IS REQUIRED BY VERMONT LAW  4 NOTICE TO CO-SIGNER 4 YOUR 
SIGNATURE ON THIS NOTE M EANS THAT YOU ARE EQUALLY LIABLE  FOR REPAYMENT 
OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL  RIGHT 
TO COLLECT FROM  YOU. 

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