EECU 
PO Box 1777, Fort Worth, TX 76101-1777 
CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR MY MASTERCARD® ACCOUNT  

TERMS  USED  IN  THIS  AGREEMENT:  This  Agreement  and  Disclosure  Statement  covers  my  Platinum  Plus  MasterCard® 
(“Account”) as applicable. In this Agreement, the words “I,” “me,” “my,” “we,” “us,” “our,” “Applicant,” and “Cardholder” mean any 
person who signs this Agreement or is issued a Card. “Key Account Holder” means the Key/Primary Account Applicant as set forth in 
the application for a Family Account. “You,” “your,” and “Credit Union” mean the credit union named above. The “Card” means any 
credit card issued to me or those designated by me under the terms of this Agreement. “Use of the Card” means any procedure used by 
me, or someone authorized by me, to make a purchase or an advance whether or not the purchase or advance is evidenced by a signed 
written document. “Unauthorized use” means the use of my Card by a person, other than me, who does not have actual, implied, or 
apparent authority for such use, and from which I 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. 

FAMILY ACCOUNT: If I have applied for a Family Account, this Agreement supersedes any previous Credit Card Agreement and 
Disclosure  Statement  that  I  may  have  been  previously  provided  to  me  in  connection  with  my  Credit  Union  Card  Account.  This 
Account  is  either  the  primary  Family  Account  (the  “Key  Account”)  or  an  additional  Family  Account  on  which  the  Key  Account 
Holder is an obligor (a “Dependent Account”). All of the Key Account Holder’s Family Accounts are linked, which permits the Key 
Account Holder to receive statement information for all of the accounts, monitor account activity, and set Dependent Account credit 
limits  within  limits  you  establish.  Each  statement  period,  the  Credit  Union  will  send  the  Key  Account  Holder  a  group  periodic 
statement covering the activity for this Account and all other linked accounts. If this Account is designated as a “Parent Pay” Account, 
then the Key Account Holder will receive the official periodic statement for the Key Account and each Dependent Account, which 
includes  all  activity  for  each  Dependent  Account.  The  Key  Account  Holder  will  be  responsible  for  remitting  payment  for  the  Key 
Account  and  all  linked  Parent  Pay  Accounts.  The  Key  Account  Holder  for  a  Parent  Pay  Account  may  designate  that  a  separate 
courtesy Account statement be sent to certain other Dependent Account Cardholders. If this Account is designated as a ”Dependent 
Pay” Account, then the Credit Union will send the official periodic statement to the designated dependent (or, if there is more than one 
dependent, to the dependent designated by the Key Account Holder) and the designated dependent will be responsible for remitting 
payments.  In  such  event,  the Key  Account Holder’s periodic  statement  will  include  only  the Account  balance,  status,  and  payment 
information for the Dependent Pay account. The Key Account Holder is responsible for ensuring that the designated dependent makes 
payments as required by the terms of this Agreement. Regardless of whether the Key Account Holder designates this Account as a 
Parent  Pay  or  a  Dependent  Pay  Account,  the  Cardholder  to  whom  you  send  the  official  periodic  statement  for  this  Account  is  the 
person  responsible  for  remitting  this  Account’s  required  payment  to  us  by  the  “Payment  Due  Date”  shown  on  the  official  periodic 
statement. Each Applicant, however, remains responsible for ensuring that payments are made as required and is liable to you for all 
charges made to the Account. If this is a joint Account, please refer to the Joint Applicant Liability section below. 

EXTENSION OF CREDIT: If my application is approved, the Credit Union may, in its discretion, establish an Account in my name 
and cause one or more Cards to be issued to me or those designated by me. In such event, I authorize you to pay for my Account all 
items reflecting credit purchases, balance transfers, and cash advances obtained through use of the Card. 

JOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, then notwithstanding any provision of 
this  Agreement  designating  responsibility  to  any  one  Cardholder  for  remitting  payments,  we  each  shall  be  jointly  and  individually 
liable to you for all charges made to the Account, including applicable fees. In addition, we agree that each of us designates the other 
as agent for the purpose of making purchases extended under this Agreement and each use of our Account shall be an extension of 
credit to all.  Notice to one of us shall constitute notice to all. Any joint Cardholder may remove him or herself from responsibility for 
future purchases at any time by notifying the Credit Union in writing.  However, removal from the Account does not release us from 
any liability already incurred. 

CONVENIENCE CHECKS:  You may, at your discretion, issue checks to me which may be used for any purpose other than making 
a payment for credit to my Account.  By signing such checks, I authorize you to pay the item for the amount indicated and post such 
amount  as  a  cash  advance  to  my  Account.    You  do  not  have  to  pay  any  item  which  would  cause  the  outstanding  balance  in  my 
Account  to  exceed  my  credit  limit.    Charges  that  apply  in  connection  with  the  use  of  Convenience  Checks  are  set  forth  in  the 
Additional Disclosure, which is incorporated by reference into this Agreement and will be provided to me after my application has 
been approved.  

STOP  PAYMENT  ORDERS:  I  agree  that  your rules  for  stopping  payment  on ordinary  checks  apply  to  stopping  payment  on my 
Convenience Checks. If I ask you to stop payment or renew a stop payment order, I will be charged for each order or renewal of each 
order the amount then being charged under all of your checking accounts for stopping payment of an item. 

OTHERS USING THE ACCOUNT: If I allow anyone else to use my Card, I will be liable for all credit extended to such persons. I 
promise to pay for all purchases, balance transfers, and cash advances made by anyone whom I authorize to use my Card, whether or 

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not  I  notify  you  that  the  person  I  authorize  will  be  using  it.  If  someone  else  is  authorized  to  use  my  Card  and  I  want  to  end  that 
person’s privilege, I must notify you in writing, and if that person has a Card, I must return the Card with my written notice for it to be 
effective. 

CREDIT  LIMITS:  I  promise  that  payments  you  make  for  my  Account  resulting  from  use  of  the  Card  will  at  no  time  cause  the 
outstanding balance of my Account to exceed my credit limit as established by you or as adjusted from time to time at your discretion. 
If I exceed my credit limit, you can still charge me for all purchases and advances without giving up any of your rights. If I write a 
Convenience Check that causes me to exceed my credit limit, you are under no obligation to pay such check, and it may be returned to 
the payee unpaid at your option. 

PROMISE TO PAY: I promise to pay you or your designee in U.S. dollars for (a) all purchases, cash advances, and balance transfers 
made  by  me  or  anyone  whom  I  authorize  to  use  the  Card  or  Account;  (b)  INTEREST  CHARGES  and  other  charges  or  fees;  (c) 
collection costs and attorney’s fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in 
excess of  my  credit  limit  that  you  may  extend  to  me.    At  the  end of  each  monthly billing  cycle for which I have a  balance on my 
Account, I will be furnished with a periodic statement showing (i) the “Previous Balance” (the outstanding balance in the Account at 
the  beginning  of  the  billing  cycle),  (ii)  the  amount  of  all  cash  advances,  purchases,  balance  transfers,  Late  Charges,  Annual  Fees, 
INTEREST CHARGES, and other charges or fees posted to my Account during the billing cycle, (iii) the amount of all payments 
and credits posted to my Account during the billing cycle, and (iv) the “New Balance” which is the sum of (i) and (ii) minus (iii).  

I agree to pay on or before the “Payment Due Date” shown on the monthly periodic statement the entire New Balance or a Minimum 
Payment Due of 2% of the New Balance or $30.00, whichever is greater, plus any amount in excess of the credit limit established by 
you and any past due minimum payments. If the New Balance is $30.00 or less, I agree to pay it in full. I may make extra payments in 
advance of the due date without a penalty, and I 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 my Account. 

If my Account is a Family Account, the official periodic statement you send to the Key Account Holder will reflect a separate and a 
combined minimum payment for the Key Account and all of the linked Parent Pay Dependent Accounts. The Key Account Holder 
may remit separate payments for the Key Account and each Parent Pay Dependent Account or combine payment for the Accounts. If a 
payment  sent  to  your  physical  payment  address  is  combined,  then  the  combined  payment  will  be  allocated  among  the  linked  Key 
Account and Parent Pay Dependent Accounts as follows, unless I tell you otherwise in a manner approved by you when I send the 
payment: Payment will first be applied to pay any delinquent amount due on the Key Account or Parent Pay Dependent Accounts. I 
may not change the payment allocation priority of amounts applied to delinquent amounts. You will then apply any remaining amount 
to  pay  the  remaining  required  minimum  payment  for  the  Key  Account  and  each  Parent  Pay  Dependent  Account.  Any  remaining 
excess  amount  will  be  applied  to  the  Key  Account  and  Parent  Pay  Dependent  Accounts  according  to  each  Account's  balance  as  a 
percentage  of  the  Parent  Pay  Family  Account  group's  aggregate  balance,  except  that  if  applicable,  you  will  apply  any  payment 
received in excess of the required minimum payment amount for each Account to the balances with the highest interest rates first. If 
an unspecified combined payment is not adequate to pay the required minimum payment for the Key Account and each Parent Pay 
Dependent  Account,  then  the  payment  may  be  applied  among  the  Key  Account  and  Parent  Pay  Dependent  Accounts  in  your 
discretion. Payments made by way of the GoToMyCard.com website or by way of any other automated means will be applied entirely 
to the Account associated with the payment. I acknowledge and agree that, if I make payments electronically or by way of another 
automated means, I must make separate payments of at least the Minimum Payment due for the Key Account and each Parent Pay 
Dependent Account in order to satisfy my payment obligations under this Agreement and any other Parent Pay Dependent Account 
card agreement I have with you. 

COST OF CREDIT: I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for 
cash  advances  and  balance  transfers  begin  to  accrue  on  the  date  of  the  advance.  New  purchases  will  not  incur  an  INTEREST 
CHARGE  on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my Account 
features an Introductory Rate, the Introductory Rate will be non-variable and the terms and conditions for the Introductory Rate will 
be set forth in the Additional Disclosure. After any Introductory Rate period, or if an Introductory Rate is not applicable when my 
Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may  increase.  The 
ANNUAL PERCENTAGE RATE for purchases and balance transfers is based on an index (the “Index”), which is the Prime Rate as 
published in the Money Rates section of The Wall Street Journal on the last business day of each month and is subject to change 
monthly. Any change in the Index will be effective on the first day of the billing cycle following the date of the change. An increase in 
the Index will result in an increase in the periodic rate, which in turn, may result in higher payments. The ANNUAL PERCENTAGE 
RATE  for  purchases  and  balance  transfers  in  any  given  billing  cycle  will  be  the  Index  plus  a  margin  rate  ranging  from  6.74%  - 
14.74%,  depending  on  my  creditworthiness.  My  specific  purchases  and  balance  transfers  ANNUAL  PERCENTAGE  RATE  and 
margin  rate  will  be  set  forth  on  the  Additional  Disclosure  that  will  be  provided  to  me  after  my  application  is  approved.  The  daily 
periodic  rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 

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PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%,  which 
corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In addition to the variable-rate aspects of my Account, the ANNUAL PERCENTAGE RATE for purchases and balance transfers is 
also  based  on  certain  creditworthiness  criteria.  After  my  Account  has  been  open  for  at  least  one  year,  you  may  review  my 
creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic rate for purchases 
and balance transfers within a range of .027370% to .049288% (9.99% to 17.99% ANNUAL PERCENTAGE RATE) by notifying 
me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is  changed  based  on  my  creditworthiness,  my 
margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will remain in 
effect for at least six months and may remain in effect indefinitely.   Any change in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will only apply to purchase and balance transfer advances made after the effective date of the change if the 
change is an increase in my ANNUAL PERCENTAGE RATE, and will apply to both existing balances of purchases and balance 
transfers and new purchase and balance transfer advances made after the effective date of the change if the change is a decrease in my 
ANNUAL PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due to 
a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the change.  

A portion of the INTEREST CHARGE is figured by applying the applicable daily periodic rate to the Average Daily Balance of my 
Account for each feature category, including certain current transactions. Feature categories include purchases, balance transfers, and 
cash advances. The Average Daily Balance is arrived at by taking the beginning balance of each feature category each day and adding 
any  new  transactions  to  the  balance,  except  if  I  have  paid  my  Account  in  full  by  the  Payment  Due  Date  shown  on  the  previous 
monthly statement or there is no previous balance, new purchases are not added to the purchases feature category balance. Balance 
transfers may be shown on my statement in the Promotions feature category. When determining balances, you may combine feature 
category balances that have the same periodic rate and other INTEREST CHARGE terms. You then subtract any payments or credits 
and unpaid INTEREST CHARGES allocated to the feature category balance for the day. This gives you the daily balance for the 
feature category. The daily balances for each feature category are then added together and divided by the number of days in the billing 
cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST  CHARGE  is  determined  by 
multiplying each feature category Average Daily Balance by the number of days in the billing cycle and applying the applicable daily 
periodic rate to the product. The Total Interest for each statement period is the sum of the periodic INTEREST CHARGES for each 
feature category. The Total Fees for each statement period is the sum of any non-periodic INTEREST CHARGES plus any other 
fees charged. 

No additional INTEREST CHARGES will be imposed on new purchases shown on my statement if the New Balance shown on the 
statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not less than 25 days from the 
billing cycle closing date shown on my statement. 

LIABILITY FOR UNAUTHORIZED USE:  I may be liable for the unauthorized use of my Card. If I notice the loss or theft of my 
Card or a possible unauthorized use of my Card, I should call the Credit Union’s processing center immediately at: 

I may also write to the processing center at: 

(800) 442-4757 

Credit Card Center 
P.O. Box 815909 
Dallas, TX 75381-5909 

Although I may write to notify you of unauthorized use, calling you immediately at the telephone number above is the best way to 
keep my possible losses down. 

Under MasterCard’s zero liability policy, I will not be liable for any unauthorized use of my MasterCard once I notify you orally or 
in writing of the loss, theft, or possible unauthorized use and if I meet the following conditions: (i) I have exercised reasonable care 
with my Card; (ii) I have not reported two or more incidents of unauthorized use of my Card within the previous 12 months; and (iii) I 
have maintained my Account in good standing. MasterCard’s zero liability policy does not apply to cash advances obtained at an ATM.  

I will not be liable for any unauthorized use that occurs after I notify you. I may, however, be liable for unauthorized use that occurs 
before my notice to you. In any case, my liability will not exceed $50.00. 

CREDITING  OF  PAYMENTS:  The  Credit  Union  does  not  charge  for  payments  made  by  standard  mail  service  or  any  other 
standard  payment  methods  approved  by  the  Credit  Union.  If  a  fee  is  charged  for  any  expedited  payment  service  the  Credit  Union 
offers, that fee will be disclosed to me at the time I request the service. All payments made on my Account at the address designated 
for payment on the monthly periodic statement or by any other payment method you accept will generally be credited to my Account 
on the date of receipt.  If the date of receipt for a mailed payment is not a business day, my payment may not be credited until the first 
business  day  following  receipt.  Payments  received  in  person  by  one  of  your  branch  employees  before  the  close  of  business  at  the 
branch office will receive same-day credit. IF PAYMENT IS MADE AT ANY LOCATION OTHER THAN THE DESIGNATED 

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ADDRESS  ON  THE  PERIODIC  STATEMENT  OR  BY  ANY  OTHER  PAYMENT  METHOD  APPROVED  BY  YOU,  CREDIT 
FOR SUCH PAYMENT MAY BE DELAYED UP TO FIVE DAYS.  My Minimum Payment Due will be applied first to collection 
costs, then to any Late Payment Fees, then to any  INTEREST CHARGE due, and then to the unpaid principal balance. Amounts 
paid in excess of the Minimum Payment Due will be applied first to the balances with the highest interest rate. Interest paid or agreed 
to be paid shall not exceed the maximum amount permissible under the applicable law, and in any contingency whatsoever, if you 
shall receive anything of value deemed interest under applicable law which would exceed the maximum amount permissible under 
applicable law, the excess interest shall be applied to the reduction of the unpaid principal amount or refunded to me. 

LATE  PAYMENT  FEE:    If  a  payment  is  10  days  or  more  past  due,  I  will  be  charged  a  Late  Payment  Fee  as  set  forth  in  the 
Additional Disclosure. 

ANNUAL FEE: None. 

RETURNED PAYMENT FEE: You will charge me a Returned Payment Fee as set forth in the Additional Disclosure each time I 
pay  you  with  a  check  or  other  form  of  payment  that  is  returned  unpaid.  You  will  charge  me  this  fee  the  first  time  any  payment  is 
returned unpaid, even if it is paid upon resubmission. 

SECURITY:    I  SPECIFICALLY  GRANT  YOU  A  CONSENSUAL  SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND 
JOINT  ACCOUNTS  I  HAVE  WITH  YOU  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 I MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN 
EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. 

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other  account  that  would  lose  special  tax  treatment  under  state  or 
federal law if given as security are not subject to the security interest I am giving.   

ADDITIONAL  SECURITY:    If  I  have  other  loans  with  you,  now  or  in  the  future,  collateral  securing  those  loans  may  also 
secure  my  obligations  under  this  Agreement.    I  understand  that  I  should  read  any  security  agreement  I  sign  in  order  to 
determine if the collateral also secures my obligations under this Agreement and any other agreements I have with you. 

DEFAULT:  I will be in default: (1) if I fail to make any payment on time; (2) if I fail to keep any promises I have made under this or 
any other agreement I have with you; (3) if I become insolvent or if I am 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 my money maintained with you; (5) if I have given you false or 
inaccurate information in obtaining my Card; (6) if my Card is canceled or if surrender is demanded by you; or (7) if I die; or (8) if 
you reasonably believe that I am unable or unwilling to repay or perform my obligations to you. 

ACCELERATION:  If I am in default, without notice to me, you may accelerate my debt and call any amounts I owe immediately 
due and payable, plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid.  I expressly waive any 
right to notice of your intention to accelerate and notice that my debt has been accelerated. 

TERMINATION AND CHANGES:  I may terminate this Agreement, by written notice, as to future advances at any time. You 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  my  obligation  to  repay  any  payments  made  for  my  Account  resulting  from  use  of  the  Card  as  well  as  INTEREST 
CHARGES and other related charges.  You may add to, change, or delete the terms of this Agreement, including the periodic rate, at 
any time subject to such notice as may be required by applicable law.  

NOTIFICATION  ADDRESS  FOR  INFORMATION  REPORTED  TO  CONSUMER  REPORTING  AGENCIES:    You  may 
report the status and payment history of my Account to credit reporting agencies each month. If I believe that the information you 
have reported is inaccurate or incomplete, I understand that I should notify you in writing at the address shown at the beginning of this 
Agreement. I will include my name, address, home telephone number and Account number in any correspondence for this purpose. 

RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:  By using the Card, I agree to all the 
terms  and  conditions  and  promise  to  perform  all  the  obligations,  requirements,  and  duties  contained  in  this  Agreement,  and  I 
acknowledge receipt of a copy of this Agreement. 

CREDIT INVESTIGATION:  In conjunction with my application for credit and, if approved, maintenance of my Account, I agree 
that  you  have  the  right  to  investigate  my  credit  and  employment  history,  to  verify  my  credit  references,  to  request  and  use  credit 
reports, and to report the way I pay my Account to credit bureaus and other interested parties. 

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.  I  understand  that  this  Agreement  is 

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performable  in  Tarrant  County,  Texas,  and  the  validity,  construction,  and  enforcement  of  this  Agreement  shall  be  governed  by 
applicable federal law and the laws of the State of Texas. You do not warrant any merchandise or services purchased by me with the 
Card.  All purchases and cash advances are extended at the option of the merchant or cash-advancing financial institution and you are 
not responsible for the refusal of any merchant or financial institution to honor my Card. The Card remains your property at all times, 
and I agree to immediately surrender the Card upon demand.  I 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. You can accept late payments or partial payments, or checks or 
money  orders  marked  “payment  in  full”  without  losing  any  of  your  rights  under  this  Agreement.    You  can  also  waive  or  delay 
enforcing  any  of  your  rights  under  this  Agreement  any  number  of  times  without  losing  them.    I  expressly  waive  presentment  for 
payment, demand, protest, and notice of protest and dishonor of same.  I agree to give you prompt notice of any change in my name, 
mailing  address,  telephone  number  or  place  of  employment.  I  promise  not  to  obtain  an  advance  or  credit  extension  under  this 
Agreement if I know there is a reasonable probability that I will be unable to repay my obligation according to the terms of the credit 
extension. I promise to inform you of any new information which relates to my ability to repay my obligation. I promise not to submit 
false or inaccurate information or willfully conceal information regarding my creditworthiness, credit standing, or credit capacity. 

I may not use my Card for any illegal transaction.  I agree that you may decline to process any transaction which you believe in good 
faith to be for an illegal purpose.  I agree that you will not be liable for declining to process any such transaction.  If you do process 
any transaction which ultimately is determined to have been for an illegal purpose, I agree that I will remain liable to you under this 
Agreement for any such transaction notwithstanding its illegal nature. I agree that any illegal use of the Card will be deemed an act of 
default under this Agreement.  I further agree to waive any right to take legal action against you for my illegal use of the Card and to 
indemnify  and  hold  you  and  MasterCard  International,  Incorporated  harmless  from  and  against  any  lawsuits,  other  legal  action,  or 
liability that results directly or indirectly from such illegal use. 

If  I  effect  an  international  transaction  with  my  MasterCard,  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 exchange rate or a wholesale exchange rate selected by MasterCard 
International for the applicable currency on the day the transaction is processed, which rate may differ from the applicable rate on the 
date the transaction occurred or when the transaction is posted to my Account. I will be charged a Foreign Transaction Fee as set forth 
in the Additional Disclosure on all international purchase, cash disbursement, and Account credit transactions, even if the transaction 
is  charged  in  U.S.  dollars.  There  is  no  grace  period  within  which  to  repay  international  transactions  in  order  to  avoid  the  Foreign 
Transaction Fee. 

My Billing Rights: I Understand That I Should Keep this Document for Future Use 

This notice tells me about my rights and your responsibilities under the Fair Credit Billing Act. 

What to Do if I Find a Mistake on My Statement 

If I think there is an error on my statement, I understand that I must write to the Credit Union’s processor at: 

Cardmember Services 
P.O. Box 815909 
Dallas, TX 75381-5909 

In my letter, I must give you the following information: 

•  Account information: My name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If I think there is an error on my statement, I will describe what I believe is wrong and why I believe 

it is a mistake. 

I must contact you: 

•  Within 60 days after the error appeared on my statement. 
•  At least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong. 

I must notify you of any potential errors in writing. I may call you, but if I do you are not required to investigate any potential errors 
and I may have to pay the amount in question. 

What Will Happen After You Receive My Letter 

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When you receive my letter, you must do two things: 

1.  Within  30  days  of  receiving  my  letter,  you  must  tell  me  that  you  received  my  letter.  You  will  also  tell  me  if  you  have 

already corrected the error. 

2. Within 90 days of receiving my letter, you must either correct the error or explain to me why you believe my statement is 

correct. 

While you investigate whether or not there has been an error: 

•  You cannot try to collect the amount in question, or report me as delinquent on that amount. 
•  The charge in question may remain on my statement, and you may continue to charge me interest on that amount. 
•  While I do not have to pay the amount in question, I am responsible for the remainder of my balance. 
•  You can apply any unpaid amount against my credit limit. 

After you finish your investigation, one of two things will happen: 

• 
• 

If you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount. 
If you do not believe there was a mistake: I will have to pay the amount in question along with applicable interest and fees. 
You will send me a statement of the amount I owe and the date payment is due. You may then report me as delinquent if I do 
not pay the amount you think I owe.  

If I receive your explanation but still believe my statement is wrong, I must write to you within 10 days telling you that I still 
refuse to pay. If I do so, you cannot report me as delinquent without also reporting that I am questioning my statement. You 
must tell me the name of anyone to whom you reported me as delinquent, and you must let those organizations know when 
the matter has been settled between us.  

If  you  do  not  follow  all  of  the  rules  above,  I  do  not  have  to  pay  the  first  $50  of  the  amount  I  question  even  if  my  bill  is 
correct. 

My Rights if I am Dissatisfied with My Credit Card Purchases 

If I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to correct the 
problem with the merchant, I may have the right not to pay the remaining amount due on the purchase. To use this right, all of the 
following must be true: 

1. The purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price 
must have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement you mailed to me, 
or if you own the company that sold me the goods or services.) 

2. I must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses 
my credit card account do not qualify. 

3. I must not yet have fully paid for the purchase. If all of the criteria above are met and I am still dissatisfied with the purchase, I must 
contact you in writing at: 

Cardmember Services 
P.O. Box 815909 
Dallas, TX 75381-5909 

While you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will 
tell me your decision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent. 

CUSTOMER SERVICE: 1-800-442-4757 – 24 hours a day/7 days a week. (Callers should have their Account information 
available.) 

{00069593.DOC} 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
We Do Business in Accordance 
with the Federal Fair Housing 
Law and the Equal Credit 
Opportunity Act. 

{00069593.DOC} 

7 

 
 
 
 
 
 
 
 
 
CREDIT CARD AGREEMENT AND DISCLSOURE 
STATEMENT FOR MY MASTERCARD® ACCOUNT 

PRICING INFORMATION ADDENDUM 
For Pricing Tiers 1 - 5 

EECU 
P.O. BOX 1777 
FT. WORTH, TX 76101

{00069593.DOC} 

8 

 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 1 (740 plus) 

ADDITIONAL DISCLOSURE 
TO CREDIT CARD 
AGREEMENT AND DISCLOSURE STATEMENT 
FOR MY MASTERCARD® ACCOUNT 

This  Additional  Disclosure  contains  additional  terms  for  my  MasterCard®  Account,  which  is  issued  by  EECU.  This 
Additional  Disclosure  is  incorporated  into  the  Credit  Card  Agreement  and  Disclosure  Statement  for  My  MasterCard 
Account and should be maintained with my copy of the Agreement and Disclosure Statement for future reference. 

Interest Rates and Interest Charges 

Account Opening Summary Disclosure 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

3.90% introductory APR for six months. 

After that, my APR will be 9.99% (“Standard APR”). This APR will vary with 
the market based on the Prime Rate.* 

APR for Cash Advances 

17.99% 

Paying Interest 

My due date is at least 25 days after the close of each billing cycle. You will not 
charge me interest on purchases if I pay my entire balance by the due date each 
month. You will begin charging me interest on cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

I may learn more about factors to consider when applying for or using a 
credit card by visiting the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• Late Payment 

• Returned Payment 

Up to $25  

Up to $20 

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” More 
details are provided in the Credit Card Agreement. 

*After my Account has been open for at least one year, my APR for purchases and balance transfers may also change 
based on my creditworthiness.  More information is provided below. 

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit 
Card Agreement. 

Continued on Next Page 

{00069593.DOC} 

9 

 
 
 
 
 
 
  
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 1 (740 Plus) (Cont.) 

Cost of Credit 

I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for cash advances 
and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE 
on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my 
Account  features  an  Introductory  Rate,  the  Introductory  Rate  will  be  non-variable  and  the  terms  and  conditions  for  the 
Introductory Rate are set forth below. After any Introductory Rate period, or if an Introductory Rate is not applicable when 
my  Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may 
increase. The ANNUAL PERCENTAGE RATE  for purchases and balance transfers is based on an index (the “Index”), 
which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of 
each month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle 
following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may 
result in higher payments. The ANNUAL PERCENTAGE RATE for purchases and balance transfers in any given billing 
cycle will be the Index plus a margin rate ranging from 6.74% - 14.74%, depending on my creditworthiness. My specific 
purchases and balance transfers ANNUAL PERCENTAGE RATE and margin rate are set forth below. The daily periodic 
rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In  addition  to  the  variable-rate  aspects of  my  Account,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is also based on certain creditworthiness criteria. After my Account has been open for at least one year, you may 
review my creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic 
rate  for  purchases  and  balance  transfers  within  a  range  of  .027370%  to  .049288%  (9.99%  to  17.99%  ANNUAL 
PERCENTAGE  RATE)  by  notifying  me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is 
changed based on my creditworthiness, my margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE 
due to changes in my margin rate will remain in effect for at least six months and may remain in effect indefinitely.   Any 
change in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will only apply to purchase and balance 
transfer  advances  made  after  the  effective  date  of  the  change  if  the  change  is  an  increase  in  my  ANNUAL 
PERCENTAGE  RATE,  and  will  apply  to  both  existing  balances  of  purchases  and  balance  transfers  and  new  purchase 
and balance transfer advances made after the effective date of the change if the change is a decrease in my ANNUAL 
PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due 
to a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the 
change.  

A  portion  of  the  INTEREST  CHARGE  is  figured  by  applying  the  applicable  daily  periodic  rate  to  the  Average  Daily 
Balance  of  my  Account  for  each  feature  category,  including  certain  current  transactions.  Feature  categories  include 
purchases,  balance  transfers,  and  cash  advances.  The  Average  Daily  Balance  is  arrived  at  by  taking  the  beginning 
balance  of  each  feature  category  each  day  and  adding  any  new  transactions  to  the  balance,  except  if  I  have  paid  my 
Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new 
purchases are not added to the purchases feature category balance. Balance transfers may be shown on my statement in 
the Promotions feature category. When determining balances, you may combine feature category balances that have the 
same  periodic  rate  and  other  INTEREST  CHARGE  terms.  You  then  subtract  any  payments  or  credits  and  unpaid 
INTEREST  CHARGES  allocated  to  the  feature  category  balance  for  the  day.  This  gives  you  the  daily  balance  for  the 
feature  category.  The  daily  balances  for  each  feature  category  are  then  added  together  and  divided  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST 
CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing 
cycle  and  applying  the  applicable  daily  periodic  rate  to  the  product.  The  Total  Interest  for  each  statement  period  is  the 
sum  of  the  periodic  INTEREST  CHARGES  for  each  feature  category.  The  Total  Fees  for  each  statement  period  is  the 
sum of any non-periodic INTEREST CHARGES plus any other fees charged. 

Continued on Next Page 

{00069593.DOC} 

10 

 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 1 (740 Plus) (Cont.) 

No  additional  INTEREST  CHARGES  will  be  imposed  on  new  purchases  shown  on  my  statement  if  the  New  Balance 
shown on the statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown on my statement. 

INTRODUCTORY RATE: Until the first day of the billing cycle that includes the six-month anniversary date of the opening 
of  my  Account  (the  “Introductory  Period”),  I  will  pay  an  INTEREST  CHARGE  for  all  purchase  and  balance  transfer 
transactions  made  at  an  non-variable  Introductory  Rate  Daily  Periodic  Rate  of  .010685%  (3.90%  ANNUAL 
PERCENTAGE RATE). 

STANDARD ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: After the Introductory 
Period, my INTEREST CHARGE for purchases and balance transfers (the Standard ANNUAL PERCENTAGE RATE or 
the Standard APR) will be variable. The margin rate added to the Index to determine the Standard APR for purchase and 
balance  transfer  transactions  is  6.74%.  As  of  the  date  this  Additional  Disclosure  has  been  provided  to  me,  the  specific 
daily periodic rate for purchases and balance transfers for my Account is .027370%, which has a corresponding Standard 
ANNUAL  PERCENTAGE  RATE  of  9.99%.  The  Standard  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is subject to change due to changes in the Index and, after my Account has been open for at least one year, 
changes in my creditworthiness. The daily periodic rate for purchases and balance transfers will range from .027370% to 
.049288%, which corresponds to a Standard ANNUAL PERCENTAGE RATE of 9.99% to 17.99%.  

Fees 

Late  Payment  Fee:  The  greater  of  5%  of  the  Minimum  Payment  Due  or  $5,  with  a  maximum  fee  of  $25,  but  if  the 
Minimum  Payment  Due  for  any  statement  period  is  ever  less  than  $5,  then  the  Late  Payment  Fee  for  that  statement 
period will not exceed an amount equal to the Minimum Payment Due. 

Returned Payment Fee: $20 or an amount equal to the Minimum Payment Due, whichever is less. 

Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars. 

Convenience Check Fees: Copy of paid check: $4.00; Stop Payment on Check: $20. Fees will be assessed at the time 
they are incurred. 

{00069593.DOC} 

11 

 
 
 
 
 
 
  
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 2 (700 – 739) 

ADDITIONAL DISCLOSURE 
TO CREDIT CARD 
AGREEMENT AND DISCLOSURE STATEMENT 
FOR MY MASTERCARD® ACCOUNT 

This  Additional  Disclosure  contains  additional  terms  for  my  MasterCard®  Account,  which  is  issued  by  EECU.  This 
Additional  Disclosure  is  incorporated  into  the  Credit  Card  Agreement  and  Disclosure  Statement  for  My  MasterCard 
Account and should be maintained with my copy of the Agreement and Disclosure Statement for future reference. 

Interest Rates and Interest Charges 

Account Opening Summary Disclosure 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

3.90% introductory APR for six months. 

After that, my APR will be 11.99% “Standard APR”). This APR will vary with 
the market based on the Prime Rate.* 

APR for Cash Advances 

17.99% 

Paying Interest 

My due date is at least 25 days after the close of each billing cycle. You will not 
charge me interest on purchases if I pay my entire balance by the due date each 
month. You will begin charging me interest on cash advances and balance transfers 
on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

I may learn more about factors to consider when applying for or using a credit 
card by visiting the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• Late Payment 

• Returned Payment 

Up to $25  

Up to $20 

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” More 
details are provided in the Credit Card Agreement. 

*After my Account has been open for at least one year, my APR for purchases and balance transfers may also change 
based on my creditworthiness.  More information is provided below. 

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit 
Card Agreement. 

Continued on Next Page 

{00069593.DOC} 

12 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 2 (700 – 739) (Cont.) 

Cost of Credit 

I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for cash advances 
and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE 
on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my 
Account  features  an  Introductory  Rate,  the  Introductory  Rate  will  be  non-variable  and  the  terms  and  conditions  for  the 
Introductory Rate are set forth below. After any Introductory Rate period, or if an Introductory Rate is not applicable when 
my  Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may 
increase. The ANNUAL PERCENTAGE RATE  for purchases and balance transfers is based on an index (the “Index”), 
which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of 
each month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle 
following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may 
result in higher payments. The ANNUAL PERCENTAGE RATE for purchases and balance transfers in any given billing 
cycle will be the Index plus a margin rate ranging from 6.74% - 14.74%, depending on my creditworthiness. My specific 
purchases and balance transfers ANNUAL PERCENTAGE RATE and margin rate are set forth below. The daily periodic 
rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In  addition  to  the  variable-rate  aspects of  my  Account,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is also based on certain creditworthiness criteria. After my Account has been open for at least one year, you may 
review my creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic 
rate  for  purchases  and  balance  transfers  within  a  range  of  .027370%  to  .049288%  (9.99%  to  17.99%  ANNUAL 
PERCENTAGE  RATE)  by  notifying  me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is 
changed based on my creditworthiness, my margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE 
due to changes in my margin rate will remain in effect for at least six months and may remain in effect indefinitely.   Any 
change in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will only apply to purchase and balance 
transfer  advances  made  after  the  effective  date  of  the  change  if  the  change  is  an  increase  in  my  ANNUAL 
PERCENTAGE  RATE,  and  will  apply  to  both  existing  balances  of  purchases  and  balance  transfers  and  new  purchase 
and balance transfer advances made after the effective date of the change if the change is a decrease in my ANNUAL 
PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due 
to a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the 
change.  

A  portion  of  the  INTEREST  CHARGE  is  figured  by  applying  the  applicable  daily  periodic  rate  to  the  Average  Daily 
Balance  of  my  Account  for  each  feature  category,  including  certain  current  transactions.  Feature  categories  include 
purchases,  balance  transfers,  and  cash  advances.  The  Average  Daily  Balance  is  arrived  at  by  taking  the  beginning 
balance  of  each  feature  category  each  day  and  adding  any  new  transactions  to  the  balance,  except  if  I  have  paid  my 
Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new 
purchases are not added to the purchases feature category balance. Balance transfers may be shown on my statement in 
the Promotions feature category. When determining balances, you may combine feature category balances that have the 
same  periodic  rate  and  other  INTEREST  CHARGE  terms.  You  then  subtract  any  payments  or  credits  and  unpaid 
INTEREST  CHARGES  allocated  to  the  feature  category  balance  for  the  day.  This  gives  you  the  daily  balance  for  the 
feature  category.  The  daily  balances  for  each  feature  category  are  then  added  together  and  divided  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST 
CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing 
cycle and applying the applicable daily periodic rate to the product. The Total Interest for each statement period is the  

Continued on Next Page 

{00069593.DOC} 

13 

 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 2 (700 – 739) (Cont.) 

sum  of  the  periodic  INTEREST  CHARGES  for  each  feature  category.  The  Total  Fees  for  each  statement  period  is  the 
sum of any non-periodic INTEREST CHARGES plus any other fees charged. 

No  additional  INTEREST  CHARGES  will  be  imposed  on  new  purchases  shown  on  my  statement  if  the  New  Balance 
shown on the statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown on my statement. 

INTRODUCTORY RATE: Until the first day of the billing cycle that includes the six-month anniversary date of the opening 
of  my  Account  (the  “Introductory  Period”),  I  will  pay  an  INTEREST  CHARGE  for  all  purchase  and  balance  transfer 
transactions  made  at  an  non-variable  Introductory  Rate  Daily  Periodic  Rate  of  .010685%  (3.90%  ANNUAL 
PERCENTAGE RATE). 

STANDARD ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: After the Introductory 
Period, my INTEREST CHARGE for purchases and balance transfers (the Standard ANNUAL PERCENTAGE RATE or 
the Standard APR) will be variable. The margin rate added to the Index to determine the Standard APR for purchase and 
balance  transfer  transactions  is  8.74%.  As  of  the  date  this  Additional  Disclosure  has  been  provided  to  me,  the  specific 
daily periodic rate for purchases and balance transfers for my Account is .032849%, which has a corresponding Standard 
ANNUAL  PERCENTAGE RATE of  11.99%.  The  Standard  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is subject to change due to changes in the Index and, after my Account has been open for at least one year, 
changes in my creditworthiness. The daily periodic rate for purchases and balance transfers will range from .027370% to 
.049288%, which corresponds to a Standard ANNUAL PERCENTAGE RATE of 9.99% to 17.99%.  

Fees 

Late  Payment  Fee:  The  greater  of  5%  of  the  Minimum  Payment  Due  or  $5,  with  a  maximum  fee  of  $25,  but  if  the 
Minimum  Payment  Due  for  any  statement  period  is  ever  less  than  $5,  then  the  Late  Payment  Fee  for  that  statement 
period will not exceed an amount equal to the Minimum Payment Due. 

Returned Payment Fee:  $20 or an amount equal to the Minimum Payment Due, whichever is less. 

Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars. 

Convenience Check Fees: Copy of paid check: $4.00; Stop Payment on Check: $20. Fees will be assessed at the time 
they are incurred. 

{00069593.DOC} 

14 

 
 
 
 
 
 
 
  
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 3 (660 – 699) 

ADDITIONAL DISCLOSURE 
TO CREDIT CARD 
AGREEMENT AND DISCLOSURE STATEMENT 
FOR MY MASTERCARD® ACCOUNT 

This  Additional  Disclosure  contains  additional  terms  for  my  MasterCard®  Account,  which  is  issued  by  EECU.  This 
Additional  Disclosure  is  incorporated  into  the  Credit  Card  Agreement  and  Disclosure  Statement  for  My  MasterCard 
Account and should be maintained with my copy of the Agreement and Disclosure Statement for future reference. 

Interest Rates and Interest Charges 

Account Opening Summary Disclosure 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

3.90% introductory APR for six months. 

After that, my APR will be 13.99% (“Standard APR”). This APR will vary with 
the market based on the Prime Rate.* 

APR for Cash Advances 

17.99% 

Paying Interest 

My due date is at least 25 days after the close of each billing cycle. You will not 
charge me interest on purchases if I pay my entire balance by the due date each 
month. You will begin charging me interest on cash advances and balance transfers 
on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

I may learn more about factors to consider when applying for or using a credit 
card by visiting the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• Late Payment 

• Returned Payment 

Up to $25  

Up to $20 

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” More 
details are provided in the Credit Card Agreement. 

*After my Account has been open for at least one year, my APR for purchases and balance transfers may also change 
based on my creditworthiness.  More information is provided below. 

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit 
Card Agreement. 

Continued on Next Page 

{00069593.DOC} 

15 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
Cost of Credit 

Pricing Information Addendum 

Pricing Tier 3 (660 – 699) (Cont.) 

I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for cash advances 
and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE 
on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my 
Account  features  an  Introductory  Rate,  the  Introductory  Rate  will  be  non-variable  and  the  terms  and  conditions  for  the 
Introductory Rate are set forth below. After any Introductory Rate period, or if an Introductory Rate is not applicable when 
my  Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may 
increase. The ANNUAL PERCENTAGE RATE  for purchases and balance transfers is based on an index (the “Index”), 
which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of 
each month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle 
following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may 
result in higher payments. The ANNUAL PERCENTAGE RATE for purchases and balance transfers in any given billing 
cycle will be the Index plus a margin rate ranging from 6.74% - 14.74%, depending on my creditworthiness. My specific 
purchases and balance transfers ANNUAL PERCENTAGE RATE and margin rate are set forth below. The daily periodic 
rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In  addition  to  the  variable-rate  aspects of  my  Account,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is also based on certain creditworthiness criteria. After my Account has been open for at least one year, you may 
review my creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic 
rate  for  purchases  and  balance  transfers  within  a  range  of  .027370%  to  .049288%  (9.99%  to  17.99%  ANNUAL 
PERCENTAGE  RATE)  by  notifying  me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is 
changed based on my creditworthiness, my margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE 
due to changes in my margin rate will remain in effect for at least six months and may remain in effect indefinitely.   Any 
change in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will only apply to purchase and balance 
transfer  advances  made  after  the  effective  date  of  the  change  if  the  change  is  an  increase  in  my  ANNUAL 
PERCENTAGE  RATE,  and  will  apply  to  both  existing  balances  of  purchases  and  balance  transfers  and  new  purchase 
and balance transfer advances made after the effective date of the change if the change is a decrease in my ANNUAL 
PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due 
to a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the 
change.  

A  portion  of  the  INTEREST  CHARGE  is  figured  by  applying  the  applicable  daily  periodic  rate  to  the  Average  Daily 
Balance  of  my  Account  for  each  feature  category,  including  certain  current  transactions.  Feature  categories  include 
purchases,  balance  transfers,  and  cash  advances.  The  Average  Daily  Balance  is  arrived  at  by  taking  the  beginning 
balance  of  each  feature  category  each  day  and  adding  any  new  transactions  to  the  balance,  except  if  I  have  paid  my 
Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new 
purchases are not added to the purchases feature category balance. Balance transfers may be shown on my statement in 
the Promotions feature category. When determining balances, you may combine feature category balances that have the 
same  periodic  rate  and  other  INTEREST  CHARGE  terms.  You  then  subtract  any  payments  or  credits  and  unpaid 
INTEREST  CHARGES  allocated  to  the  feature  category  balance  for  the  day.  This  gives  you  the  daily  balance  for  the 
feature  category.  The  daily  balances  for  each  feature  category  are  then  added  together  and  divided  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST 
CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing 
cycle  and  applying  the  applicable  daily  periodic  rate  to  the  product.  The  Total  Interest  for  each  statement  period  is  the 
sum  of  the  periodic  INTEREST  CHARGES  for  each  feature  category.  The  Total  Fees  for  each  statement  period  is  the 
sum of any non-periodic INTEREST CHARGES plus any other fees charged. 

Continued on Next Page 

{00069593.DOC} 

16 

 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 3 (660 – 699) (Cont.) 

No  additional  INTEREST  CHARGES  will  be  imposed  on  new  purchases  shown  on  my  statement  if  the  New  Balance 
shown on the statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown on my statement. 

INTRODUCTORY RATE: Until the first day of the billing cycle that includes the six-month anniversary date of the opening 
of  my  Account  (the  “Introductory  Period”),  I  will  pay  an  INTEREST  CHARGE  for  all  purchase  and  balance  transfer 
transactions  made  at  an  non-variable  Introductory  Rate  Daily  Periodic  Rate  of  .010685%  (3.90%  ANNUAL 
PERCENTAGE RATE). 

STANDARD ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: After the Introductory 
Period, my INTEREST CHARGE for purchases and balance transfers (the Standard ANNUAL PERCENTAGE RATE or 
the Standard APR) will be variable. The margin rate added to the Index to determine the Standard APR for purchase and 
balance transfer transactions is 10.74%. As of the date this Additional Disclosure has been provided to me, the specific 
daily periodic rate for purchases and balance transfers for my Account is .038329%, which has a corresponding Standard 
ANNUAL  PERCENTAGE RATE of  13.99%.  The  Standard  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is subject to change due to changes in the Index and, after my Account has been open for at least one year, 
changes in my creditworthiness. The daily periodic rate for purchases and balance transfers will range from .027370% to 
.049288%, which corresponds to a Standard ANNUAL PERCENTAGE RATE of 9.99% to 17.99%.  

ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: The margin rate added to the Index 
to  determine  my  ANNUAL  PERCENTAGE  RATE  for  purchase  and  balance  transfer  transactions  is  10.74%.  As  of  the 
date  this  Additional  Disclosure  has  been  provided  to  me,  the  specific  daily  periodic  rate  for  purchases  and  balance 
transfers  for  my  Account  is  .038329%,  which  has  a  corresponding  ANNUAL  PERCENTAGE  RATE  of  13.99%.  The 
ANNUAL PERCENTAGE RATE for purchases and balance transfers is subject to change due to changes in the Index 
and, after my Account has been open for at least one year, changes in my creditworthiness. The daily periodic rate for 
purchases  and  balance  transfers  will  range  from  .027370%  to  .049288%,  which  corresponds  to  a  Standard  ANNUAL 
PERCENTAGE RATE of 9.99% to 17.99%. 

Fees 

Late  Payment  Fee:  The  greater  of  5%  of  the  Minimum  Payment  Due  or  $5,  with  a  maximum  fee  of  $25,  but  if  the 
Minimum  Payment  Due  for  any  statement  period  is  ever  less  than  $5,  then  the  Late  Payment  Fee  for  that  statement 
period will not exceed an amount equal to the Minimum Payment Due. 

Returned Payment Fee: $20 or an amount equal to the Minimum Payment Due, whichever is less. 

Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars. 

Convenience Check Fees: Copy of paid check: $4.00; Stop Payment on Check: $20. Fees will be assessed at the time 
they are incurred. 

{00069593.DOC} 

17 

 
 
 
 
 
  
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 4 (630 – 659) 

ADDITIONAL DISCLOSURE 
TO CREDIT CARD 
AGREEMENT AND DISCLOSURE STATEMENT 
FOR MY MASTERCARD® ACCOUNT 

This  Additional  Disclosure  contains  additional  terms  for  my  MasterCard®  Account,  which  is  issued  by  EECU.  This 
Additional  Disclosure  is  incorporated  into  the  Credit  Card  Agreement  and  Disclosure  Statement  for  My  MasterCard 
Account and should be maintained with my copy of the Agreement and Disclosure Statement for future reference. 

Interest Rates and Interest Charges 

Account Opening Summary Disclosure 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

3.90% introductory APR for six months. 

After that, my APR will be 15.99% (“Standard APR”). This APR will vary with 
the market based on the Prime Rate.* 

APR for Cash Advances 

17.99% 

Paying Interest 

My due date is at least 25 days after the close of each billing cycle. You will not 
charge me interest on purchases if I pay my entire balance by the due date each 
month. You will begin charging me interest on cash advances and balance transfers 
on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

I may learn more about factors to consider when applying for or using a credit 
card by visiting the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• Late Payment 

• Returned Payment 

Up to $25  

Up to $20 

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” More 
details are provided in the Credit Card Agreement. 

*After my Account has been open for at least one year, my APR for purchases and balance transfers may also change 
based on my creditworthiness.  More information is provided below. 

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit 
Card Agreement. 

Continued on Next Page 

{00069593.DOC} 

18 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 4 (630 – 659) (Cont.) 

Cost of Credit 

I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for cash advances 
and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE 
on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my 
Account  features  an  Introductory  Rate,  the  Introductory  Rate  will  be  non-variable  and  the  terms  and  conditions  for  the 
Introductory Rate are set forth below. After any Introductory Rate period, or if an Introductory Rate is not applicable when 
my  Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may 
increase. The ANNUAL PERCENTAGE RATE  for purchases and balance transfers is based on an index (the “Index”), 
which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of 
each month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle 
following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may 
result in higher payments. The ANNUAL PERCENTAGE RATE for purchases and balance transfers in any given billing 
cycle will be the Index plus a margin rate ranging from 6.74% - 14.74%, depending on my creditworthiness. My specific 
purchases and balance transfers ANNUAL PERCENTAGE RATE and margin rate are set forth below. The daily periodic 
rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In  addition  to  the  variable-rate  aspects of  my  Account,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is also based on certain creditworthiness criteria. After my Account has been open for at least one year, you may 
review my creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic 
rate  for  purchases  and  balance  transfers  within  a  range  of  .027370%  to  .049288%  (9.99%  to  17.99%  ANNUAL 
PERCENTAGE  RATE)  by  notifying  me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is 
changed based on my creditworthiness, my margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE 
due to changes in my margin rate will remain in effect for at least six months and may remain in effect indefinitely.   Any 
change in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will only apply to purchase and balance 
transfer  advances  made  after  the  effective  date  of  the  change  if  the  change  is  an  increase  in  my  ANNUAL 
PERCENTAGE  RATE,  and  will  apply  to  both  existing  balances  of  purchases  and  balance  transfers  and  new  purchase 
and balance transfer advances made after the effective date of the change if the change is a decrease in my ANNUAL 
PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due 
to a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the 
change.  

A  portion  of  the  INTEREST  CHARGE  is  figured  by  applying  the  applicable  daily  periodic  rate  to  the  Average  Daily 
Balance  of  my  Account  for  each  feature  category,  including  certain  current  transactions.  Feature  categories  include 
purchases,  balance  transfers,  and  cash  advances.  The  Average  Daily  Balance  is  arrived  at  by  taking  the  beginning 
balance  of  each  feature  category  each  day  and  adding  any  new  transactions  to  the  balance,  except  if  I  have  paid  my 
Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new 
purchases are not added to the purchases feature category balance. Balance transfers may be shown on my statement in 
the Promotions feature category. When determining balances, you may combine feature category balances that have the 
same  periodic  rate  and  other  INTEREST  CHARGE  terms.  You  then  subtract  any  payments  or  credits  and  unpaid 
INTEREST  CHARGES  allocated  to  the  feature  category  balance  for  the  day.  This  gives  you  the  daily  balance  for  the 
feature  category.  The  daily  balances  for  each  feature  category  are  then  added  together  and  divided  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST 
CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing 
cycle  and  applying  the  applicable  daily  periodic  rate  to  the  product.  The  Total  Interest  for  each  statement  period  is  the 
sum  of  the  periodic  INTEREST  CHARGES  for  each  feature  category.  The  Total  Fees  for  each  statement  period  is  the 
sum of any non-periodic INTEREST CHARGES plus any other fees charged. 

{00069593.DOC} 

19 

Continued on Next Page 

 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 4 (630 – 659) (Cont.) 

No  additional  INTEREST  CHARGES  will  be  imposed  on  new  purchases  shown  on  my  statement  if  the  New  Balance 
shown on the statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown on my statement. 

INTRODUCTORY RATE: Until the first day of the billing cycle that includes the six-month anniversary date of the opening 
of  my  Account  (the  “Introductory  Period”),  I  will  pay  an  INTEREST  CHARGE  for  all  purchase  and  balance  transfer 
transactions  made  at  an  non-variable  Introductory  Rate  Daily  Periodic  Rate  of  .010685%  (3.90%  ANNUAL 
PERCENTAGE RATE). 

STANDARD ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: After the Introductory 
Period, my INTEREST CHARGE for purchases and balance transfers (the Standard ANNUAL PERCENTAGE RATE or 
the Standard APR) will be variable. The margin rate added to the Index to determine the Standard APR for purchase and 
balance transfer transactions is 12.74%. As of the date this Additional Disclosure has been provided to me, the specific 
daily periodic rate for purchases and balance transfers for my Account is .043808%, which has a corresponding Standard 
ANNUAL  PERCENTAGE RATE of  15.99%.  The  Standard  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is subject to change due to changes in the Index and, after my Account has been open for at least one year, 
changes in my creditworthiness. The daily periodic rate for purchases and balance transfers will range from .027370% to 
.049288%, which corresponds to a Standard ANNUAL PERCENTAGE RATE of 9.99% to 17.99%.  

Fees 

Late  Payment  Fee:  The  greater  of  5%  of  the  Minimum  Payment  Due  or  $5,  with  a  maximum  fee  of  $25,  but  if  the 
Minimum  Payment  Due  for  any  statement  period  is  ever  less  than  $5,  then  the  Late  Payment  Fee  for  that  statement 
period will not exceed an amount equal to the Minimum Payment Due. 

Returned Payment Fee: $20 or an amount equal to the Minimum Payment Due, whichever is less. 

Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars. 

Convenience Check Fees: Copy of paid check: $4.00; Stop Payment on Check: $20. Fees will be assessed at the time 
they are incurred. 

{00069593.DOC} 

20 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Pricing Tier 5 (less than 630) 

ADDITIONAL DISCLOSURE 
TO CREDIT CARD 
AGREEMENT AND DISCLOSURE STATEMENT 
FOR MY MASTERCARD® ACCOUNT 

This  Additional  Disclosure  contains  additional  terms  for  my  MasterCard®  Account,  which  is  issued  by  EECU.  This 
Additional  Disclosure  is  incorporated  into  the  Credit  Card  Agreement  and  Disclosure  Statement  for  My  MasterCard 
Account and should be maintained with my copy of the Agreement and Disclosure Statement for future reference. 

Interest Rates and Interest Charges 

Account Opening Summary Disclosure 

Annual Percentage Rate (APR) 
for Purchases and Balance 
Transfers 

3.90% introductory APR for six months. 

After that, my APR will be 17.99% (“Standard APR”). This APR will vary with 
the market based on the Prime Rate.* 

APR for Cash Advances 

17.99% 

Paying Interest 

My due date is at least 25 days after the close of each billing cycle. You will not 
charge me interest on purchases if I pay my entire balance by the due date each 
month. You will begin charging me interest on cash advances and balance transfers 
on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

I may learn more about factors to consider when applying for or using a credit 
card by visiting the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

• Late Payment 

• Returned Payment 

Up to $25  

Up to $20 

How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” More 
details are provided in the Credit Card Agreement. 

*After my Account has been open for at least one year, my APR for purchases and balance transfers may also change 
based on my creditworthiness.  More information is provided below. 

Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in the Credit 
Card Agreement. 

{00069593.DOC} 

21 

 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
Continued on Next Page 

Pricing Information Addendum 

Pricing Tier 5 (less than 630) (Cont.) 

Cost of Credit 

I will pay an INTEREST CHARGE for all advances made against my Account. INTEREST CHARGES for cash advances 
and balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE 
on  the  date  they  are  posted  to  my  Account  if  I  have  paid  the  Account  in  full  by  the  Payment  Due  Date  shown  on  my 
previous monthly statement, or if there was no previous balance. 

My Account may feature an Introductory Rate ANNUAL PERCENTAGE RATE for certain transaction categories.  If my 
Account  features  an  Introductory  Rate,  the  Introductory  Rate  will  be  non-variable  and  the  terms  and  conditions  for  the 
Introductory Rate are set forth below. After any Introductory Rate period, or if an Introductory Rate is not applicable when 
my  Account  is  opened,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance  transfers  is  variable  and  may 
increase. The ANNUAL PERCENTAGE RATE  for purchases and balance transfers is based on an index (the “Index”), 
which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of 
each month and is subject to change monthly. Any change in the Index will be effective on the first day of the billing cycle 
following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may 
result in higher payments. The ANNUAL PERCENTAGE RATE for purchases and balance transfers in any given billing 
cycle will be the Index plus a margin rate ranging from 6.74% - 14.74%, depending on my creditworthiness. My specific 
purchases and balance transfers ANNUAL PERCENTAGE RATE and margin rate are set forth below. The daily periodic 
rate  for  purchases  and  balance  transfers  shall  never  be  greater  than  .049288%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  of  17.99%.  Cash  advances  are  always  subject  to  non-variable  daily  periodic  rate  of  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE of 17.99%. 

In  addition  to  the  variable-rate  aspects of  my  Account,  the  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is also based on certain creditworthiness criteria. After my Account has been open for at least one year, you may 
review my creditworthiness from time to time, including when I request a credit limit increase, and adjust my daily periodic 
rate  for  purchases  and  balance  transfers  within  a  range  of  .027370%  to  .049288%  (9.99%  to  17.99%  ANNUAL 
PERCENTAGE  RATE)  by  notifying  me  in  accordance  with  applicable  law.  If  my  ANNUAL  PERCENTAGE  RATE  is 
changed based on my creditworthiness, my margin rate will be adjusted. Increases in my ANNUAL PERCENTAGE RATE 
due to changes in my margin rate will remain in effect for at least six months and may remain in effect indefinitely.   Any 
change in my ANNUAL PERCENTAGE RATE due to changes in my margin rate will only apply to purchase and balance 
transfer  advances  made  after  the  effective  date  of  the  change  if  the  change  is  an  increase  in  my  ANNUAL 
PERCENTAGE  RATE,  and  will  apply  to  both  existing  balances  of  purchases  and  balance  transfers  and  new  purchase 
and balance transfer advances made after the effective date of the change if the change is a decrease in my ANNUAL 
PERCENTAGE RATE. Purchase and balance transfer balances existing before the effective date of a rate increase due 
to a change in my margin rate will remain subject to the ANNUAL PERCENTAGE RATE in effect before the date of the 
change.  

A  portion  of  the  INTEREST  CHARGE  is  figured  by  applying  the  applicable  daily  periodic  rate  to  the  Average  Daily 
Balance  of  my  Account  for  each  feature  category,  including  certain  current  transactions.  Feature  categories  include 
purchases,  balance  transfers,  and  cash  advances.  The  Average  Daily  Balance  is  arrived  at  by  taking  the  beginning 
balance  of  each  feature  category  each  day  and  adding  any  new  transactions  to  the  balance,  except  if  I  have  paid  my 
Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new 
purchases are not added to the purchases feature category balance. Balance transfers may be shown on my statement in 
the Promotions feature category. When determining balances, you may combine feature category balances that have the 
same  periodic  rate  and  other  INTEREST  CHARGE  terms.  You  then  subtract  any  payments  or  credits  and  unpaid 
INTEREST  CHARGES  allocated  to  the  feature  category  balance  for  the  day.  This  gives  you  the  daily  balance  for  the 
feature  category.  The  daily  balances  for  each  feature  category  are  then  added  together  and  divided  by  the  number  of 
days  in  the  billing  cycle.  The  result  is  the  Average  Daily  Balance  for  each  feature  category.  The  periodic  INTEREST 

{00069593.DOC} 

22 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing 
cycle  and  applying  the  applicable  daily  periodic  rate  to  the  product.  The  Total  Interest  for  each  statement  period  is  the 
sum  of  the  periodic  INTEREST  CHARGES  for  each  feature  category.  The  Total  Fees  for  each  statement  period  is  the 
sum of any non-periodic INTEREST CHARGES plus any other fees charged. 

Continued on Next Page 

Pricing Information Addendum 

Pricing Tier 5 (less than 630) (Cont.) 

No  additional  INTEREST  CHARGES  will  be  imposed  on  new  purchases  shown  on  my  statement  if  the  New  Balance 
shown on the statement is paid in full by the Payment Due Date reflected on the statement.  The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown on my statement. 

INTRODUCTORY RATE: Until the first day of the billing cycle that includes the six-month anniversary date of the opening 
of  my  Account  (the  “Introductory  Period”),  I  will  pay  an  INTEREST  CHARGE  for  all  purchase  and  balance  transfer 
transactions  made  at  an  non-variable  Introductory  Rate  Daily  Periodic  Rate  of  .010685%  (3.90%  ANNUAL 
PERCENTAGE RATE). 

STANDARD ANNUAL PERCENTAGE RATE FOR PURCHASES AND BALANCE TRANSFERS: After the Introductory 
Period, my INTEREST CHARGE for purchases and balance transfers (the Standard ANNUAL PERCENTAGE RATE or 
the Standard APR) will be variable. The margin rate added to the Index to determine the Standard APR for purchase and 
balance transfer transactions is 14.74%. As of the date this Additional Disclosure has been provided to me, the specific 
daily periodic rate for purchases and balance transfers for my Account is .049288%, which has a corresponding Standard 
ANNUAL  PERCENTAGE RATE of  17.99%.  The  Standard  ANNUAL  PERCENTAGE  RATE  for  purchases  and  balance 
transfers is subject to change due to changes in the Index and, after my Account has been open for at least one year, 
changes in my creditworthiness. The daily periodic rate for purchases and balance transfers will range from .027370% to 
.049288%, which corresponds to a Standard ANNUAL PERCENTAGE RATE of 9.99% to 17.99%.  

Fees 

Late  Payment  Fee:  The  greater  of  5%  of  the  Minimum  Payment  Due  or  $5,  with  a  maximum  fee  of  $25,  but  if  the 
Minimum  Payment  Due  for  any  statement  period  is  ever  less  than  $5,  then  the  Late  Payment  Fee  for  that  statement 
period will not exceed an amount equal to the Minimum Payment Due. 

Returned Payment Fee: $20 or an amount equal to the Minimum Payment Due, whichever is less. 

Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars. 

Convenience Check Fees: Copy of paid check: $4.00; Stop Payment on Check: $20. Fees will be assessed at the time 
they are incurred. 

{00069593.DOC} 

23