CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 
FOR YOUR GECU EMPOWERMENT CREDIT CARD 

Disclosure to GECU Empowerment 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 

1.90% introductory APR is effective upon the opening of your account if 
you are approved  for a GECU Empowerment credit card and your credit 
score is 610 and above. APR is fixed for the first 6 statement billing cycles 
following the opening of the account for all purchases, balance transfers, and 
convenience checks. After that the variable Standard Rate purchases, 
balance transfers, and convenience checks will apply. The Introductory Rate 
may end sooner if your payment is late. See explanation below. 

After that, your APR will be 9.40%, 10.75%, 12.15%, 
16.40% or 17.90% as of 7-1-22, depending on your 
creditworthiness1

APR for Cash Advances  1.90% introductory APR is effective upon the opening of your account if 

This APR will vary on the market based on the Prime Rate.2

you are approved  for a GECU Empowerment credit card and your credit 
score is 610 and above. APR is fixed for the first 6 statement billing cycles 
following the opening of the account for all cash advances. After that the 
variable Standard Rate for purchases, balance transfers, and convenience 
checks will apply to the remaining balance. The variable APR for Cash 
Advances will apply to cash advances conducted after the expiration of the 
Introductory Rate. The Introductory Rate may end sooner if your payment is 
late. See explanation below. 

2% above your APR for Purchases, not to exceed 17.90%. 
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. 

Penalty APR and When it 
Applies 
Paying Interest 

How to Avoid Paying 
Interest on Purchases 

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 

None 

None 
1% of transaction 

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Penalty Fees 
•  Late Payment 
•  Over-the-Limit 
•  Returned Payment 

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 specified 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. 

Loss  of Introductory APR: If  the account is closed for any reason (including closure based on  default of  
another GECU account), any introductory APR (the <Introductory APR=) then in  effect is forfeited  and the 
APR that will be applied to the outstanding balance will be the Standard Rate. 

1 The Periodic Rate (DPR) for the APRs listed in the table above are as follows: 

Standard Rate DPR 

       9.40% APR (.02575% DPR) 
       10.75% APR (.02945% DPR) 
       12.15% APR (.03329% DPR) 
       16.40% APR (.04493% DPR) 
        17.90% APR (.04904% DPR) 
     17.90% APR (.04904% DPR) 

Cash Advance Rate DPR 
11.40% APR (.03123% DPR) 
12.75% APR (.03493% DPR) 
14.15% APR (.03877% DPR) 
17.90% APR (.04904%DPR) 
17.90% APR (.04904% 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 4.65% to 14.40%, not to exceed 17.90% APR, (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  every  12 to 24 months 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. 

TERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement (<Agreement=) 
cover your GECU Empowerment credit card (<Account=) with us. In this Agreement, the word <you= 
and  <your=  means  any  person  who  signs  the  GECU  Empowerment   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 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 evidenced 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 

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plural terms shall be deemed singular and any singular terms shall be deemed plural when context 
and construction so require. 

EXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an 
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 the 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 $2,000 to receive GECU Empowerment credit  
card benefits. For a  complete  description of benefits, please refer to the  summary 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 writing 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  Account  at the 
beginning of the billing cycle), (ii) the amount of all cash advances, purchases, balance  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 

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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. 

If  your  Account  features an  Introductory  Rate,  you  will  pay  an  Introductory Rate  FINANCE 
CHARGE  for purchases made at the periodic rate and corresponding  ANNUAL PERCENTAGE 
RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may 
vary quarterly. The APR (other than the Introductory APR) is a variable rate determined  quarterly 
by adding a margin of 4.65% to 14.40%, 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 every 12 to 24 months 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, except for any Introductory Rate period, 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, prompt ly 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 
Empowerment 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 under 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. 

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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. 

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 
IS  A 
UNDER  THIS  AGREEMENT.  THE  GRANTING  OF  THIS  SECURITY  INTEREST 
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. 

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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. 

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 debt 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 this 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  appr oved, 
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. 

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 transaction. If we 

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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  processed, 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 cr edit 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 agree 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 or place of employment. 

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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 Agreement. 

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 scheduled to occur. 

Your Rights and Our Responsibilities After We Receive Your Written Notice. 
We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 
90 days, we must either correct the error or explain why we believe the 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. 

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: 

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(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. 

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. 

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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 law, You 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. 

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 MEANS 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. 

     Rev. 7/1/22 
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