Interest Rates and 
Interest Charges 

Platinum Plus  
MasterCard®1 

World Rewards 
  MasterCard®1 

Cash Rewards 
MasterCard®1 

Important Account Pricing and Terms 

Annual 
Percentage 
Rate (APR) for 
Purchases  

to  17.99%  
11.49% 
This  APR  will  be  based  on  your 
creditworthiness  and  will  vary 
with  the  market  based  on  the 
Prime Rate.2,3 

to  17.99% 
12.49% 
This  APR  will  be  based  on  your 
creditworthiness  and  will  vary 
with  the  market  based  on  the 
Prime Rate.2,3 

to  17.99% 
 13.49% 
This  APR  will  be  based  on  your 
creditworthiness and will vary with 
the  market  based  on  the  Prime 
Rate.2,3 

9.90%  APR 
for  Balance 
Transfers for qualified applicants 
based on creditworthiness  made 
within  ninety  (90)  days  from  the 
anniversary  date  of  account 
opening.4  This  APR  will  be  non-
variable.  Otherwise, 17.99% 
APR  will  apply 
for  Balance 
Transfers.  This APR will be non-
variable. 

9.90%  APR 
for  Balance 
Transfers for qualified applicants 
based on creditworthiness  made 
within  ninety  (90)  days  from  the 
anniversary  date  of  account 
opening.4  This  APR  will  be  non-
variable. Otherwise, 17.99% 
APR  will  apply 
for  Balance 
Transfers.  This APR will be non-
variable. 

9.90%  APR 
for  Balance 
Transfers for qualified applicants 
based on creditworthiness  made 
within  ninety  (90)  days  from  the 
anniversary  date  of  account 
opening.4  This  APR  will  be  non-
variable.  Otherwise, 17.99% 
APR  will  apply 
for  Balance 
Transfers.  This APR will be non-
variable. 

to  17.99%   
11.49% 
APR for Balance Transfers made 
ninety-one  (91)  days  or  more 
from  the  anniversary  date  of 
account  opening.  This  APR  will 
be 
your 
creditworthiness  and  will  vary 
with  the  market  based  on  the 
Prime Rate.2,3 

based 

on 

to  17.99% 
12.49% 
APR  for  Balance  Transfers  made 
ninety-one (91) days or more from 
the  anniversary  date  of  account 
opening.  This  APR  will  be  based 
on  your  creditworthiness  and  will 
vary with the market based on the 
Prime Rate.2,3 

to  17.99% 
13.49% 
APR for Balance Transfers made 
ninety-one  (91)  days  or  more 
from  the  anniversary  date  of 
account  opening.  This  APR  will 
be 
your 
creditworthiness  and  will  vary 
with  the  market  based  on  the 
Prime Rate.2,3 

based 

on 

17.99% 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month.  We will begin charging you interest 
on cash advances and balance transfers on the transaction date. 

None 

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 

APR for Balance  
Transfers 

APR for Cash 
Advances 

How to Avoid 
Paying Interest  
on Purchases 

Minimum Interest 
Charge 

For Credit Card 
Tips from the 
Consumer  
Financial 
Protection Bureau 

Fees 

Annual Fee 

Transaction Fees 

Foreign Transaction Fee 
Cash Advance Fee 
Balance Transfer Fee 

Penalty Fees  

None 

Up to 1% of each transaction in U.S. dollars 
None 
None 

Late Payment Fee 
Returned Payment Fee 
Over-the-Credit-Limit Fee 
Penalty APR 

Up to $25  
Up to $20 
None 
None 

The minimum monthly payment is 2% of your total new balance, or $30, whichever is greater.  See your Credit Card Agreement for more details.   

How We Will Calculate  Your Balance: We use a method called “average daily balance (including new  purchases).”  See your Credit Card 
Agreement for more details.   

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Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Credit Card Agreement. 

The information about the costs of the credit cards described herein is accurate as of 11/01/2019.  This information may change after that date. 
To find out what may have changed, call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777. 

SECURITY:  BY AGREEING TO THE TERMS OF THE CREDIT CARD AGREEMENT, OR BY USING THE CARD OR 
THE  ACCOUNT,  YOU  UNDERSTAND  AND  ACKNOWLEDGE  THAT  (1)  YOU  WILL  BE  GRANTING  EECU  A 
CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH EECU, NOW 
AND  IN  THE  FUTURE,  TO  SECURE  REPAYMENT  OF  CREDIT  EXTENSIONS  MADE  UNDER  THE  CREDIT  CARD 
AGREEMENT AND (2) THE GRANTING OF SUCH SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF 
ANY CARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT FROM EECU.  
IF YOU ARE IN DEFAULT UNDER THE TERMS OF THE CREDIT CARD AGREEMENT, YOU AUTHORIZE EECU TO 
TAKE MONEY FROM ANY OF YOUR NON-EXEMPT ACCOUNTS AND APPLY IT TO WHAT YOU OWE EECU.  IF YOU 
DON’T  AGREE  TO  THE  CONSENSUAL  SECURITY  INTEREST,  YOU  SHOULD  NOT  USE  THE  CARD  OR  THE 
ACCOUNT. 

You further understand and acknowledge that shares and deposits in an Individual Retirement Account or in 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.  

Any term, condition or provision in this credit transaction, or in any other agreement, document or disclosure, contrary to 
the Military Lending Act (MLA) are void for the period(s) during which you are entitled to the protections of the MLA.  The 
other terms, conditions and provisions will remain in effect.  

U.S. Patriot Act: Federal law requires us to obtain, verify, and record information that identifies each person who opens 
an account in order to help the government fight the funding of terrorism and money laundering activities.  To process the 
application and open an account, we will ask for your name, street address, date of birth and other identifying information, 
and we may also ask for identifying documents.  

EECU issues your credit card under the Credit Card Agreement and Disclosure Statement (“Credit Card Agreement”) for your MasterCard® Account. 

Additional State Specific Disclosures: Texas law governs the Credit Card Agreement and your Account without regard to 
conflicts of law.  

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. 

Maryland residents:  You have the right under Maryland Commercial Law Section 12-510 to receive an answer to a written inquiry concerning the status of your account.  Finance charges 
will be imposed on the outstanding balances from month to month in amounts or at rates not in excess of those permitted by law.  

New Jersey residents:  Because certain provisions of this agreement are subject to applicable law, they may be void, unenforceable or inapplicable in some jurisdictions.  None of these 
provisions, however, are void, unenforceable or inapplicable in New Jersey.   

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: Ohio anti-discrimination laws require creditors to make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate histories 
on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law. 

Oregon residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month.  You may pay more than the minimum payment 
due, up to your entire outstanding balance, at any time.  

Rhode Island residents:  A credit report may be requested in connection with a credit card application. 

Vermont residents:  Notice to Co-signer – You signature on the note means that you are equally liable for repayment of this loan.  If the borrower does not pay, the lender has equal right 
to collect from you.  

Married Wisconsin residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family.  No provision of a marital property agreement, a 
unilateral statement under Section 766.59 of the Wisconsin Statutes or a court decree under Section 766.70 of the Wisconsin Statues adversely affects the interest of the creditor unless 
the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the 
creditor is incurred.  The creditor may give notice of the opening of any credit account to the applicant’s spouse.  IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED 
UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. 
_____________________________________________________________________________________________________________________________________________ 
1 The World Rewards MasterCard® and the Cash Rewards MasterCard® offer enhanced rewards programs and are available as an option to qualified applicants 
only, based on creditworthiness.  Details regarding card benefits will be provided to you.  Certain restrictions apply and card benefits are subject to change.  All 
extensions of credit are subject to credit approval and EECU lending policies.  You must be at least 18 years of age and a U.S. citizen or permanent resident.  
Membership in EECU is required.  This limited time offer is subject to change at any time without notice.  

2 Subject to any applicable Introductory or Promotional Rate, after your Account has been open for at least one year, your APR for purchases and balance transfers 

may also change within the range stated above based on your creditworthiness.  

3 Prime Rate: Variable APRs are based on the 4.75% Prime Rate as of 11/01/2019.  The Prime Rate is subject to change.   
4 EECU will not process any balance transfer requests that are from any other account or loan that EECU has issued.  Additional terms and conditions apply.    

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EECU 
PO Box 1777, Fort Worth, TX 76101-1777 

BE  AUTOMATICALLY  DIALED  AND/OR  USE  PRE-
RECORDED/ARTIFICIAL VOICE MESSAGES.   

CREDIT CARD AGREEMENT AND DISCLOSURE 
STATEMENT FOR MY MASTERCARD® ACCOUNT  

BY  USING  THE  CARD  OR  THE  ACCOUNT,  I  AGREE 
TO  ALL  OF  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 AND ANY APPLICABLE 
SUPPLEMENTAL OR ADDITIONAL DISCLOSURE. 

TERMS USED IN THIS AGREEMENT: This Credit Card 
Agreement  and  Disclosure  Statement  covers  my 
Plus  MasterCard®,  World  Rewards 
Platinum 
MasterCard®, or Cash Rewards MasterCard® credit card 
account  (“Account”)  as  applicable  (“Agreement”).  In  this 
Agreement,  the  words  “I,”  “me,”  “my,”  “we,”  “us,”  “our,” 
“Applicant,” and “Cardholder” mean any person who signs 
this Agreement, is issued a Card, or uses the Card or the 
Account.  “Key  Account  Holder”  means  the  Key/Primary 
Account Applicant (or such other term of similar meaning) 
as  set  forth  in  the  application  for  an  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. 

COMMUNICATIONS:  TO  HELP  ENSURE  QUALITY 
MEMBER  SERVICE, 
THE 
MONITORING  AND  RECORDING  OF  TELEPHONE 
CONVERSATIONS  AND  OTHER  COMMUNICATIONS 
BETWEEN YOU AND ME.   

I  CONSENT 

TO 

SUBJECT  TO  YOUR  PRIVACY  POLICY,  I  AGREE 
THAT YOU MAY  CONTACT ME FOR  ANY PURPOSE 
AT  ANY  ADDRESS  (ELECTRONIC  OR  OTHERWISE) 
OR  TELEPHONE  NUMBER  I  HAVE  PROVIDED  TO 
YOU,  DIRECTLY  OR  INDIRECTLY,  INCLUDING  ANY 
MAILING  OR  PHYSICAL  ADDRESS,  E-MAIL 
ADDRESS, TELEPHONE OR CELLULAR TELEPHONE 
NUMBER,  AND  THROUGH  ANY  OTHER  THEN 
AVAILABLE  COMMUNICATION  CHANNEL  SUCH  AS 
TEXT  MESSAGING  AND  VOICE  OVER  INTERNET 
PROTOCOL  (VoIP)  SERVICE.    VOICE  AND  DATA 
CHARGES  IMPOSED  BY  MY  COMMUNICATIONS 
CARRIER  ARE  MY  RESPONSIBILITY.    FOR  ANY 
COMMUNICATION, 
INLCUDING  TELEPHONE  OR 
CELLUAR  CALL,  YOU  PLACE  OR  OTHERWISE 
DIRECT TO ME, I AGREE THAT THOSE CALLS MAY 

IF I  PROVIDE YOU  AN E-MAIL  ADDRESS,  SUBJECT 
TO YOUR PRIVACY POLICY, YOU MAY SEND EMAIL 
THOSE 
MESSAGES 
CONCERNING 
ADDITIONAL 
MEMBER BENEFITS AVAILABLE TO ME.  

INCLUDING 

TO  ME, 

CURRENT 

AND 

THIS  AGREEMENT  SHALL  CONSTITUTE  MY 
EXPRESS  WRITTEN  CONSENT,  AS  MAY  BE 
REQUIRED  BY  ANY  COMMUNICATIONS  RELATED 
STATUTE, RULE OR REGULATION INCLUDING, BUT 
NOT  LIMITED  TO,  THE  TELEPHONE  CONSUMER 
PROTECTION ACT, AS AMENDED.  

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. 

TERMINATION.  You reserve the right to refuse to honor 
any  request  for  credit,  to  reduce  my  credit  limit  or 
terminate  my  account  at  any  time  using  your  sole 
discretion, based on changes in the economy, the Credit 
Union's financial condition, my creditworthiness or for any 
other reason not prohibited by law. 

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 
reflected in this Agreement.  

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 

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EECU (Revision Date: 10-31-19) 

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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 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. 

FAMILY  ACCOUNT:  If  I  have  applied  for  a  Family 
Account, this Agreement supersedes any previous Credit 
Card Agreement and Disclosure Statement that 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. 

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; (d) credit in excess of my credit  limit that  you 
may  extend  to  me;  and  (e)  other  charges  added  to  my 
Account under the terms of this Agreement or any other 
agreement with  you.  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. 

Minimum  Payment  Warning:  If  I  make  only  the 
Minimum  Payment  each  period,  I  will  pay  more  in 
interest  and  it  will  take  me  longer  to  pay  off  my 
balance. 

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 
the 
Dependent  Account  or  combine  payment 
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 

for 

_______________________________________________________________________________________________________________________________________ 
EECU (Revision Date: 10-31-19) 

Page 2   

 
 
 
 
 
 
 
 
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. 

through  procedures  established  by 

Any payment submitted by me in the form of a check or 
other paper document may be converted to an electronic 
transaction 
the 
National Automated Clearing House  Association.  If this 
occurs, the original check or other document that I send 
to you will not be returned, but a copy may be available if 
requested.  

You  may,  at  your  discretion,  withhold  a  portion  of 
available credit on my Account up to the amount of any 
payments  in  order  to  assure  that  the  check  or  other 
payment  instrument  is  honored.    I  may  not  make  a 
payment on my Account using any credit or loan account 
(including without limitation, any instrument drawn of my 
Account)  held at Credit Union, and  you may refuse any 
such payments in your sole discretion.  

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. 

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 transaction date. 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. 

the  ANNUAL  PERCENTAGE  RATE 

My Account may, as applicable, feature an Introductory or 
Promotional  ANNUAL PERCENTAGE RATE for certain 
transaction  or  balance  transfer  categories.    If  I  am  a 
qualified  applicant  and  my  Account 
features  an 
Introductory  or  Promotional  Rate,  the  Introductory  or 
Promotional  Rate  will  be  non-variable.    If  I  am  not  a 
qualified applicant and/or my Account does not feature an 
Introductory or Promotional Rate, I will not qualify for the 
Introductory or Promotional Rate.  After an Introductory or 
Promotional  Rate  period,  if  any,  or  if  an  Introductory  or 
Promotional  Rate  is  not  applicable  when  my  Account  is 
opened, 
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. If The Wall Street Journal does not publish the 
Prime  Rate,  or  if  it  changes  the  definition  of  the  Prime 
Rate, you may, in your sole discretion, substitute another 
index. 

INTRODUCTORY OR PROMOTIONAL RATE – IF AND 
AS  APPLICABLE:  If  I  am  a  qualified  applicant  and  my 
Account  features  an  Introductory  or  Promotional  Rate, 
balance  transfers  made  within  ninety  (90)  days  of  the 
anniversary date of the opening of my Account, the daily 
periodic rate for balance transfers will be non-variable at 
.027123%,  which  corresponds 
to  an  ANNUAL 
PERCENTAGE  RATE  of  9.90%.      Otherwise,  the  daily 
periodic rate for balance transfers will be non-variable at 
to  an  ANNUAL 
.049288%,  which  corresponds 
PERCENTAGE RATE of 17.99%.  Balance transfers may 
only  be  made 
financial 
institutions to which I owe a balance.  I may not request a 
balance transfer on existing obligations I owe to you.  If I 
request a balance transfer that would cause my Account 
to exceed its credit limit, you may at your option, (a) post 
the entire balance transfer requested to my Account, (b) 
post only a portion of the balance transfer requested up 
to the amount of credit available under my Account, or (c) 
refuse to process the entire balance transfer requested.  
For  all  Accounts,  the  daily  periodic  rate  for  balance 
transfers,  made  ninety-one  (91)  days  or  more  from  the 
anniversary  date  of  the  opening  my  Account,  will  be 

from  other  companies  or 

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Page 3   

 
 
 
 
 
 
 
 
 
 
based  on  my  creditworthiness  and  will  vary  with  the 
market  based  on  the  Prime  Rate  as  more  specifically 
herein provided.   

I  understand  that  I  should  not  transfer  any  disputed 
purchase  or  other  charge  amount,  as  I  may  lose  my 
dispute rights.  I also understand that I should continue to 
make  payments  on  my  other  account  until  I  have 
confirmed this balance transfer has been received.  Once 
approved,  you  may  pay  the  amount  of  the  balance 
transfer directly to that issuer.  The available credit limit 
for my new card will be reduced by the total amount of the 
transfers, including  any applicable fees,  you approve.   I 
further  understand  that  balance  transfers  are  made 
available at your discretion.     

Subject to  any Introductory  or Promotional  Rate, for the 
Platinum  Plus  MasterCard®  Account,  the  ANNUAL 
for  purchases  and  balance 
PERCENTAGE  RATE 
transfers in any given billing cycle will be the Index plus a 
margin rate ranging from 6.74% - 14.74%, depending on 
my  creditworthiness  and  may  be  adjusted  from  time  to 
time based on my credit standing. The specific purchases 
and  balance  transfers  ANNUAL  PERCENTAGE  RATE 
and  margin  rate  for  the  Platinum  Plus  MasterCard® 
Account will be set forth on the Additional Disclosure that 
will  be  provided  to  me  after  my  application  has  been 
approved. 

is 

on 

also 

based 

transfers 

Subject  to  any  applicable  Introductory  or  Promotional 
Rate,  for  the  Platinum  Plus  MasterCard®  Account,  in 
addition  to  the variable-rate aspects of my  Account, the 
ANNUAL  PERCENTAGE  RATE  for  purchases  and 
balance 
certain 
creditworthiness criteria and may be adjusted from time 
to  time  based  on  my  credit  standing.  After  my  Platinum 
Plus MasterCard® 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  .031479%  to  .049288% 
(11.49% 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.  

Subject  to  any  applicable  Introductory  or  Promotional 
Rate,  for  the  World  Rewards  MasterCard®  Account,  the 
ANNUAL  PERCENTAGE  RATE  for  purchases  and 
balance  transfers  in  any  given  billing  cycle  will  be  the 
Index  plus a margin rate ranging from  7.74% -  14.74%, 
depending on my creditworthiness and may be adjusted 
from  time  to  time  based  on  my  credit  standing.  The 
specific  purchases  and  balance  transfers  ANNUAL 
PERCENTAGE  RATE  and  margin  rate  for  the  World 
Rewards  MasterCard®  Account  will  be  set  forth  on  the 
Additional Disclosure that will be provided to me after my 
application has been approved. 

is 

on 

also 

based 

transfers 

transfers  within  a  range  of 

Subject  to  any  applicable  Introductory  or  Promotional 
Rate,  for  the  World  Rewards  MasterCard®  Account,  in 
addition  to  the variable-rate aspects of my  Account, the 
ANNUAL  PERCENTAGE  RATE  for  purchases  and 
balance 
certain 
creditworthiness criteria and may be adjusted from time 
to  time  based  on  my  credit  standing.  After  my  World 
Rewards MasterCard® 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 
.034219%  to 
.049288% (12.49% 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.  

Subject  to  any  applicable  Introductory  and  Promotional 
Rates, for the Cash Rewards  MasterCard® Account, the 
ANNUAL  PERCENTAGE  RATE  for  purchases  and 
balance  transfers  in  any  given  billing  cycle  will  be  the 
Index  plus a margin rate ranging from  8.74% -  14.74%, 
depending on my creditworthiness and may be adjusted 
from  time  to  time  based  on  my  credit  standing.  The 
specific  purchases  and  balance  transfers  ANNUAL 
PERCENTAGE  RATE  and  margin  rate  for  the  Cash 
Rewards  MasterCard®  Account  will  be  set  forth  on  the 
Additional Disclosure that will be provided to me after my 
application has been approved. 

Subject  to  any  applicable  Introductory  or  Promotional 
Rate,  for  the  Cash  Rewards  MasterCard®  Account,  in 
addition  to  the variable-rate aspects of my  Account, the 
ANNUAL  PERCENTAGE  RATE  for  purchases  and 

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Page 4   

 
 
 
 
 
 
 
 
is 

on 

also 

based 

transfers 

transfers  within  a  range  of 

balance 
certain 
creditworthiness criteria and may be adjusted from time 
to  time  based  on  my  credit  standing.  After  my  Cash 
Rewards MasterCard® 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 
.036959%  to 
.049288% (13.49% 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.  

Cash advances are always subject to non-variable daily 
periodic  rate  of  .049288%,  which  corresponds  to  an 
ANNUAL PERCENTAGE RATE of 17.99%.   

For all Accounts, the daily periodic rate for purchases and 
balance  transfers  will  never  be  greater  than  .049288%, 
which corresponds to an ANNUAL PERCENTAGE RATE 
of 17.99%.  

Cash advance, balance transfer, and convenience check 
transactions do not qualify for any applicable rewards, nor 
do unauthorized transactions or transactions deemed to 
be illegal.   

The  information  about  the  costs  of  the  credit  cards 
described  herein  is  accurate  as  of  November  1,  2019.  
This information may change after that  date. To find out 
what may have changed, call 1-800-333-9934 or write to 
EECU at PO Box 1777, Fort Worth, TX 76101-1777. 

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 
transfers,  and  cash 
include  purchases,  balance 
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 
feature  category.  When  determining 
Promotions 

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. 

Cash Rewards MasterCard® Accounts ONLY 

CASH  BACK  REWARDS  TERMS  AND  CONDITIONS 
FOR THE CASH REWARDS MASTERCARD®  

Cash Rewards MasterCard® Accounts earn a 1.5% cash 
back  reward  credit  on  net  purchases.  No  minimum 
purchase  requirements  or  maximum  limits  apply.  The 
cash back reward is paid each calendar quarter in the 
form of an automatic credit to the Account. Rewards 
have no cash value, cannot be converted to cash, and 
cannot be transferred. Cash advance, balance transfer, 
and  convenience  check  transactions  do  not  earn  cash 
back  rewards,  nor  do  unauthorized  transactions  or 
transactions  deemed  to  be  illegal.  Transactions  that 
involve  the  purchase  of  financial  instruments  or  funds 
transfers such as money orders, prepaid cards, and wire 
transfers do not earn cash back rewards, nor do finance 
charges, fees, and credit insurance premiums charged to 
the account. If merchandise is returned or purchase credit 
is otherwise issued to the Account, the Credit Union will 
make  a  corresponding  adjustment  that  will  reduce  the 
cash back rewards balance. 

The Account must remain open and in good standing to 
earn and receive cash back rewards. Cash back reward 
credit may be delayed or forfeited if payment is received 
late. If the Account is closed or terminated before a cash 
back  reward  is  paid,  any  pending  reward  credit  will  be 
forfeited.  If  the  Account  is  in  default  as  defined  in  this 
Agreement  or  if  the  Account  or  any  cardholder  is  not  in 
good  standing  as  determined  by  the  Credit  Union  in  its 
sole  discretion,  the  Credit  Union  may  suspend  or 
terminate  participation  in  the  program  and  any  unpaid 
cash back reward may be forfeited. 

The cash back rewards program is open to U.S. residents 

_______________________________________________________________________________________________________________________________________ 
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Page 5   

 
  
 
 
 
 
 
 
 
 
 
 
only and is void where prohibited by law. Account holders 
are responsible for any federal, state, and local taxes that 
may apply. The program is subject to the Credit Union’s 
policies  and  procedures  and  applicable  law,  and  any 
interpretation  of  these  terms  or  any  other  aspect  of  the 
program shall be in the Credit Union’s sole and absolute 
discretion.  The Credit Union may suspend or terminate 
the cash back rewards program or the participation of any 
account or cardholder in the program at any time and for 
any reason, subject to any notice required by applicable 
law. Payment of cash back rewards may be delayed due 
to circumstances beyond the Credit Union’s control. The 
Credit Union may add to, change, or delete these Terms 
and  Conditions  at  any  time  by  notifying  the  primary 
cardholder or posting such changes on the Credit Union 
or the GoToMyCard.com website. Use of the Card after 
notification  or  posting  of  such  changes  constitutes 
acceptance of any and all changes. 

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: 

(800) 442-4757 

I may also write to the processing center at: 

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 in safeguarding the 
Card  from  risk  of  loss  or  theft,  and  (ii)  upon  becoming 
aware  of  such  loss  or  theft,  promptly  report  the  loss  or 
theft to you.   

I  notify  you. 

I  will  not  be  liable  for  any  unauthorized  use  that  occurs 
after 
for 
unauthorized use that occurs before my notice to you. In 
any case, my liability will not exceed $50.00. 

I  may,  however,  be 

liable 

I will be liable for all transactions that I authorize.   

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 
the  address 
payments  made  on  my  Account  at 
designated 
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 

for  payment  on 

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 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 ten (10) days or 
more past due, I will be charged a Late Payment Fee. 

ANNUAL FEE:   None. 

RETURNED  PAYMENT  FEE:  You  will  charge  me  a 
Returned Payment Fee 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. 

CONSENSUAL SECURITY INTEREST  
IN MY ACCOUNTS 

I 

ACKNOWLEDGE 

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. 
AND 
UNDERSTAND  THAT  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.   IF I AM IN DEFAULT UNDER THE 
TERMS  OF  THIS  AGREEMENT,  I  AUTHORIZE 
YOU TO TAKE MONEY FROM ANY OF MY NON-
EXEMPT ACCOUNTS AND APPLY IT TO WHAT I 
OWE  YOU.  IF  I  DO  NOT  AGREE  TO  THE 
CONSENSUAL SECURITY INTEREST, I SHOULD 
NOT USE THE CARD OR THE ACCOUNT.  THIS 
PROVISION IS A MATERIAL INDUCEMENT FOR 
THE  OPENING  AND  MAINTAINING  OF  MY 
ACCOUNT. 

Shares and deposits in an Individual Retirement Account 
or any other account that would lose special tax treatment 

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Page 6   

 
 
 
 
 
 
 
 
 
 
 
 
 
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 
SECURES  MY 
OBLIGATIONS  UNDER  THIS  AGREEMENT  AND  ANY 
OTHER AGREEMENTS I HAVE WITH YOU. 

COLLATERAL 

ALSO 

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  or  my 
Account;  (6)  if  my  Card  is  canceled  or  if  surrender  is 
demanded  by  you;  (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  accrued  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 or my Account 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.      YOU 
ALSO  RESERVE  THE  RIGHT  TO  CHANGE  THE 
BENEFIT  FEATURES  ASSOCIATED  WITH  MY  CARD 
AT ANY TIME AND FROM TIME TO TIME.  

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. 

CREDIT INVESTIGATION:  I understand and agree that 
you  may  investigate  my  employment  and  credit  history 

and  obtain  credit  reports  for  credit  applications  and  for 
updates,  renewals  or  extensions  of  the  credit  granted.  
Upon  request,  you  will  inform  me  if  a  report  has  been 
obtained and  will give me the name and address of the 
agency that furnished the report.  I ALSO AGREE THAT 
YOU MAY OBTAIN AND USE CREDIT REPORTS AND 
OTHER INFORMATION ABOUT ME THAT YOU HAVE 
OBTAINED  IN  A  LAWFUL  MANNER  CONSISTENT 
WITH YOUR PRIVACY POLICIES, FOR SUBSEQUENT 
SOLICITATIONS  OR  FOR  ANY  OTHER  LAWFUL 
PURPOSE.    I  also  authorize  you  to  report  information 
concerning my Account to credit bureaus and to anyone 
else you believe in good faith has a lawful and legitimate 
need for such information.  

YOUR CREDIT CARD ACCOUNT AND YOUR MOBILE 
PHONE OR OTHER MOBILE DEVICES: Smart phones, 
some  tablets  or  other  mobile  and  wearable  devices  (a 
"mobile  device")  can  download,  store,  and/or  access 
account information, for instance through a mobile wallet, 
that may enable you to use the mobile device to purchase 
goods  or  services, make  a  balance  transfer,  or  make  a 
cash advance. In certain instances, those transactions will 
replicate using my Card or Account to make a transaction 
on the internet. In other instances, the mobile device will 
act  as  if  it  were  a  credit  card  itself.    Applications  that 
enable  my  mobile  device  will  have  unique  terms 
them  carefully. 
governing 
Transactions  made  through  those  applications  are 
governed by this Agreement. 

those  applications.  Read 

When my Card and/or Account information is accessible 
by my mobile device, it is important that I treat my mobile 
device with the same care I would my Card. For example, 
I should secure  my mobile device  against  unauthorized 
access. If I give someone my mobile device that can be 
the same as giving  that person my Card and/or access to 
my Account. 

To  the  extent  that  I  use  a  third  party/mobile  device  to 
make  a  credit  transaction  on  my  Account,  or  load 
information  about  my  Account  onto  any  such  device,  I 
need to be aware that you do not control the device and 
cannot,  and  do  not,  guarantee  the  performance  of  the 
device or third party. 

Further, I may incur third party fees related to engaging in 
a transaction (such as mobile carrier data or messaging 
charges).    Credit  transactions  made  through  a  third 
party/mobile  device  may  involve  electronic  transmission 
of  information  related  to  me  or  my  Account  across 
wireless  or  computer  networks.    Third  parties,  such  as 
merchants,  card  association  networks,  mobile  carriers, 
mobile  wallet  operators,  and  software  application 
providers may use and receive information in connection 
with a credit transaction.  Third parties may also receive 
information about your mobile device when you use it to 
make a credit transaction.   

You may, at any time, partially or fully restrict my ability to 
make  credit  transactions  through  a  third  party/mobile 
device.   

_______________________________________________________________________________________________________________________________________ 
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ADDITIONAL PROVISIONS:   

Our Liability for Failure to Complete Transactions. If you 
do  not  complete  a  transaction  pursuant  to  any  request, 
and/or  in  the  correct  amount,  you  may  be  liable  for  my 
losses or damages. However, there are some exceptions.  

You will not be liable, for instance:  

if there is a hold on my Card and/or Account for 

if  access  to  my  Card  and/or  Account  has  been 

if  through  no  fault  of  yours,  I  do  not  have 

• 
adequate funds available to complete the transfer;  
• 
if  circumstances  beyond  your  control  (such  as 
fire,  flood,  terrorist  attack,  national  emergency,  or 
computer  or  communication  failure)  prevent  the 
completion  of  the  transaction,  despite  reasonable 
precautions you have taken;  
• 
blocked after I reported my Card lost or stolen;  
• 
any reason;  
• 
encumbrance restricting their use;  
• 
law;  
• 
if  a  computer  system  or  mobile  device  was  not 
working properly and I knew about the problem when 
I initiated the transaction;  
• 
transaction is not authorized; or  
•  as otherwise provided in this Agreement.  

if my authorization(s) terminates by operation of 

if you have reason to believe that the requested 

if my funds are subject to legal process or other 

Entire Agreement and Separation of Unlawful Provisions. 
This Agreement is the entire agreement between you and 
me concerning my Card and the Account. 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. 

Governing  Law.  I  understand  that  this  Agreement  is 
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.  

No  Warranty.    You  do  not  warrant  any  merchandise  or 
services purchased by me with the Card or Account.  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  or 
Account.  

Ownership of Card. The Card remains your property at all 
times,  and  I  agree  to  immediately  surrender  the  Card 
upon demand.   

Costs of Collection. 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.  

Irregular  Payments.  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.   

Rights Preserved. You can also waive or delay enforcing 
any  of  your  rights  under  this  Agreement  any  number  of 
times without losing them.   

Wavier of Presentment, Demand and Notice. I expressly 
waive  presentment  for  payment,  demand,  protest,  and 
notice of protest and dishonor of same.   

Address Change.  I agree to give you prompt notice of any 
change  in my name,  physical address,  mailing address, 
email  address,  telephone  number,  cellular  telephone 
number, and place of employment.  

Inability  to  Pay.  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.  

Submission of True and Correct Information. I promise not 
to  submit  false  or  inaccurate  information  or  willfully 
conceal information regarding my creditworthiness, credit 
standing, or credit capacity. 

Limitations  and  Account  Closure.  You  may,  with  or 
without  written notice to me, close my  Account, reduce 
my  credit  limit,  suspend  and/or  cancel  my  Account 
privileges at any time. I nevertheless remain responsible 
to  pay  the  balance  according  to  the  terms  of  this 
Agreement and any changes under it.  

Change  in  Terms.    Use  of  the  Card  or  my  Account, 
after having been provided with a notice  or posting 
of  a  change  in  terms  (as  required  by  law),  shall 
constitute my unconditional agreement to be bound 
by any such changed terms.  

Illegal Transactions.  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 or which may involve activities, you believe 
may violate a law or pose significant risk to  you or your 
members.  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  or  Account  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. 

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Page 8   

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
International  Transactions.  If  I  effect  an  international 
transaction  with  my  MasterCard®  Card.    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  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. 

Authorizations. You and your agents are not responsible 
if  anyone  refuses  to  honor  my  Card,  my  Account  or  a 
Convenience  Check,  or  if  authorization  for  a  particular 
transaction  is  not  given.    The  number  of  transactions  I 
make in one day may be limited, and the limit per day may 
vary.  Although  I  may  have  credit  available  under  my 
Account,  you  may  be  unable  to  authorize  credit  for  a 
particular transaction. These reasons include, but are not 
limited  to,  default,  suspected  fraudulent  or  unlawful 
activity, internet gambling, or any indication of increased 
risk related to the transaction. For security reasons, you 
cannot explain the details of how the authorization system 
works.  If my Account is over the credit limit or delinquent, 
authorization of credit for transactions may  be  declined.  
You are not responsible for anything purchased with  my 
Account,  the  Card  or  a  Convenience  Check,  except  as 
expressly  required  by  law.  I  must  return  goods  I 
purchased with the Card or Account to the merchant and 
not you. Transactions at some merchants (such as hotels, 
car rental companies, restaurants, and gas stations) may 
result  in  temporary  authorizations  for  amounts  greater 
than  the  actual  purchase  amount,  which  will  make  less 
credit available on my Account for several days. 

facsimile 

telephone, 

My Non-Binding Instructions. Unless required by law, or 
you  have  agreed  otherwise  in  writing,  you  are  not 
required to act upon any consent or instruction I give you 
via 
transmission,  electronic 
transmission, or voice mail. You may, however, in your 
sole discretion, act upon the consent or instruction I give 
you  via  telephone,  facsimile  transmission,  electronic 
transmission, or voice mail and that any such consent or 
instruction  will, for all  purposes, be binding upon  me to 
the  fullest  extent  permitted  by  law  as  though  I  had 
provided you an original writing signed by me.   

WAIVER OF TRIAL BY JURY.  UNLESS PROHIBITED 
BY LAW, AND TO THE FULLEST EXTENT PERMITED 
BY LAW, I  WAIVE  ANY  RIGHT  TO  TRIAL  BY  JURY 
IN  ANY  LEGAL  PROCEEDING  INVOLVING  THIS 
AGREEMENT,  THE  CARD  AND/OR  MY  ACCOUNT.  

THIS PROVISION IS A MATERIAL INDUCEMENT FOR 
THE OPENING AND MAINTAINING OF MY ACCOUNT. 

WAIVER  OF  CLASS  ACTION  RIGHTS.  UNLESS 
PROHIBITED  BY  LAW,  AND  TO  THE  FULLEST 
EXTENT  PERMITED  BY  LAW,  I  (I)  WAIVE  AND 
RELEASE  ANY  AND  ALL  CLASS  ACTION  RIGHTS  I 
MAY  HAVE,  NOW  AND  IN  THE  FUTURE,  AGAINST 
YOU 
(AND  YOUR  DIRECTORS,  OFFICERS, 
MEMBERS,  EMPLOYEES,  REPRESENTATIVES  OR 
AGENTS,  AND  THEIR  RESPECTIVE  EXECUTORS, 
LEGAL  REPRESENTATIVES,  HEIRS,  SUCCESSORS, 
AND  ASSIGNS)  AND  (II)  AGREE  THAT  I  WILL  NOT 
PARTICIPATE,  DIRECTLY  OR  INDIRECTLY,  UNDER 
ANY  CIRCUMSTANCES,  IN  ANY  TYPE  OF  CLASS 
ACTION  CLAIM,  DEMAND,  ACTION,  CAUSE  OF 
ACTION, OR SUCH OTHER SIMILAR LEGAL ACTION, 
REGARDLESS OF NAME, OR  ASSIST  ANY PERSON 
OR  ORGANIZATION,  IN  THE  PARTICIPATION  OF  A 
CLASS  ACTION  CLAIM,  DEMAND,  ACTION,  CAUSE 
OF  ACTION,  LAWSUIT,  OR  SUCH  OTHER  SIMILAR 
LEGAL ACTION, REGARDLESS OF NAME, AGAINST 
YOU (OR YOUR DIRECTORS, OFFICERS, MEMBERS, 
EMPLOYEES, REPRESENTATIVES OR AGENTS, AND 
THEIR 
LEGAL 
REPRESENTATIVES,  HEIRS,  SUCCESSORS,  AND 
ASSIGNS) FOR ANY REASON.   BUT FOR MY WAIVER 
AND  RELEASE  OF  ALL  OF  MY  CLASS  ACTION 
RIGHTS, IF ANY, YOU WOULD NOT HAVE OFFERED 
ME  MEMBERSHIP  IN  THE  CREDIT  UNION  AND 
WOULD  NOT  HAVE  OFFERED  ME  FINANCIAL 
INCLUDING  THE 
PRODUCTS  AND  SERVICES, 
IS  A  MATERIAL 
ACCOUNT. 
  THIS  PROVISION 
INDUCEMENT 
AND 
OPENING 
MAINTAINING OF MY ACCOUNT. 

EXECUTORS, 

RESPECTIVE 

FOR 

THE 

Force Majeure. In no  event  will  you be liable for, or  be 
considered to be in breach of this Agreement because of, 
any  default  or  delay  in  performance  of  any  of  your 
obligations  occasioned  by  occurrences,  causes  or 
contingencies considered “force majeure” including, but 
not limited to, breach or default by a supplier or vendor; 
strike;  riot;  lock  out;  labor  dispute;  inability  to  procure 
materials, labor or equipment; emergency; disruption or 
failure of public utilities, transportation, communication or 
information  systems;  fire,  ice  or  snow  storm,  flood 
earthquake, tornado or other closures due to storms or 
other  natural  disasters  or  acts  of  God;  destruction  of 
facilities;  epidemic  or  other  catastrophe;  invasion,  war, 
revolution, insurrection or acts of terrorism; public health 
crises; injunction; demand of any government authority; 
or any other occurrence, cause, or contingency beyond 
your control.  

I  agree 

Instruments. 

Electronic 
that  any  and  all 
agreements,  notices,  forms,  documents,    instruments, 
orders,  instructions  and  other  writings  which  you  retain 
relating  to  my  Account,  may,  at  your  option,  be  kept  in 
any  number  of  formats  including,  but  not  limited  to, 
paper, imaged, digital, electronic, scanned, filmed or as 
technology otherwise permits, now and in the future, and 
that any such formats of any such agreements, notices, 
forms, documents, instruments, orders, instructions, and 

_______________________________________________________________________________________________________________________________________ 
EECU (Revision Date: 10-31-19) 

Page 9   

 
 
 
 
 
 
 
 
other  writings  shall  be  considered  an  original  for  all  of 
your  purposes  and  shall  satisfy  any  record  retention 
requirements, contractually and as otherwise required by 
law.  If I request that you provide me with an original or 
copy  of  an  agreement,  notice, 
form,  document, 
instrument,  instruction,  order  or  other  writing  pertaining 
to my Account, I understand and agree that any one of 
the  above-referenced  formats  are  acceptable  and  shall 
satisfy the contractual or legal obligation, if any, you owe 
to  me.    I  understand  and  agree  that  you  may,  at  your 
option,  accept,  treat  or  otherwise  rely  on  a  copy  of  my 
signature,  or  a  stamp  or  facsimile  signature,  as  an 
original  for  all  of  your  purposes,  including  the  legal 
enforcement  of  this  Agreement  and  other  applicable 
agreements and other documents, without the necessity 
of obtaining or producing an original thereof.   

Investigations. I agree to unconditionally cooperate with 
you  in the  investigation of  any  loss,  including providing 
you with an affidavit(s) containing whatever reasonable 
information  you  require  concerning  my  Account,  the 
transaction, and the circumstances surrounding the loss.  
I  will  also complete a report(s) (e.g., police report)  with 
the  appropriate  law  enforcement  authorities  describing 
the criminal activities and acts related to my Account and 
the claim of loss.   I further agree to cooperate  with the 
law enforcement authorities in the arrest and prosecution 
of  anyone  associated  with  the  loss.    I  understand  and 
agree  that  my  right  to  continue  to  use  my  Account  is 
conditioned upon my unconditional cooperation with you 
and the appropriate law enforcement authorities.  

Personal Identification Number (PIN).  You may issue me 
a Personal Identification Number (PIN) for use with  my 
Card.    This  PIN  is  confidential  and  should  not  be 
disclosed to anyone.   If a  PIN  is  issued, I may  use  my 
PIN  and  my  Card  to  access my  Account,  and  all  sums 
advanced will be added to my Account balance.  In the 
event a use  of my  PIN constitutes an Electronic Funds 
Transfer,  the  terms  and  conditions  of  my  Electronic 
Funds Transfer Agreement may affect my rights. I should 
not write my PIN on my Card or keep my PIN in my purse 
or wallet or anywhere else where someone might find it 
and associate it with my Card.  If applicable, I should not 
use an ATM unless it appears safe to do so.  I should not 
key in my PIN if someone is looking and I should be sure 
to take my Card and receipt when I am done.  Owners 
of  ATMs  that  you  do  not  own  may  charge  fees  in 
addition  to  any  fees  disclosed  in  this  Agreement.   
This  is  not  a  fee  charged  by  the  Credit  Union; 
however, any such fee will be added to my Account. 
The  party  charging  the  fee  is  required  to  provide 
appropriate  disclosures  to  me  with  regard  to  any 
such fees. 

Skip  Payments  (If  Applicable).    At  your  option,  a 
minimum payment may be waived during certain billing 
cycles.  If such a waiver occurs, INTEREST CHARGES 
will  continue  to  apply  to  the  Account  during  the  skip 
payment  billing  cycle.    Beginning  with  the  billing  cycle 
following  the  skip  payment,  all  provisions  of  this 
Agreement shall apply.  

Assignment  of  Claims.    If  I  dispute  a  charge  with  a 
merchant, you may credit my Account for all or part of the 

disputed  charge.    If  you  do  so,  I  hereby  assign  and 
transfer to you all rights and claims (excluding tort claims) 
against the merchant.  I agree that I will not pursue any 
claim against the merchant for the credited amount.  And, 
I must cooperate in good faith with you if you decide to 
pursue any such claim against the merchant.  

Survival.    The  provisions  of  this  Agreement  which,  by 
their terms, are intended to survive termination or closure 
of  my  Account,  shall  survive  any  such  termination  or 
closure. 

Limitations  on  Account  and  Services  for  Members  Who 
Reside  in  Non-US  Countries  or  Territories.  The  Credit 
Union may limit, refuse, close or terminate any account or 
service if: (1) the Credit Union deems it necessary due to 
legal/regulatory requirements of a foreign country that are 
not  directly  applicable to US residents; or (2)  the Credit 
Union deems it to be in the Credit Union’s best interests 
to  not  provide  accounts  or  services  due  to  potential 
exposures  or  obligations  under  non-US  laws,  rules  or 
regulations.  

Transactions  Involving  Cryptocurrency  or  Other  Digital 
Asset are Prohibited. Use of the Card or the Account to 
purchase  cryptocurrency  (e.g.,  Bitcoin)  or  other  digital 
asset  is  expressly  prohibited.    In  the  unlikely  event  the 
purchase  of  cryptocurrency  or  other  digital  asset  is  not 
blocked, I  am nevertheless responsible for the payment 
of  any  such  charge(s).    I  AGREE  TO  HOLD  YOU 
HARMLESS  FROM  ANY  AND  ALL 
LOSES 
ASSOCIATED WITH SUCH PURCHASE.  

Security  and  Card  Block.  Certain  purchases  and  cash 
advances require authorization prior to completion of the 
transaction.  In  some  cases,  I  may  be  asked  to  provide 
identification to complete a transaction.  If your system is 
not  working,  you  may  not  be  able  to  authorize  a 
transaction,  even 
I  have  sufficient  credit 
available.  Also, for security reasons, you may block the 
use of the Card and/or the Account in certain countries 
and geographic regions.  The Credit Union will have no 
liability to me or others if any of these events occur. 

though 

Additional  Benefits/Card  Enhancements.  The  Credit 
Union may from time to time offer additional services to 
my Account, such as travel accident insurance, purchase 
rewards  or  rebates  at  no  additional  cost  to  me.    I 
understand  that  the  Credit  Union  is  not  obligated  to 
continue or to offer such services and may withdraw or 
change them at any time, without notice. If these benefits 
are withdrawn prior to any accrued use by me, the Credit 
Union  will  have  no  obligation  to  provide  the  benefit  or 
enhancement,  or  any  other 
compensation  or 
consideration. 

Assignment of Account.  I may not transfer or assign my 
Account or Card to any other person. The Credit Union 
may  assign  or  transfer  this  Account,  my  Account 
balance, and this Agreement to another person, who will 
have all of your rights hereunder. 

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EECU (Revision Date: 10-31-19) 

Page 10   

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Binding  Effect.  This Agreement is binding on  my  heirs 
and  legal  representatives.    If  there  are  joint  obligors  or 
authorized users for this credit plan, each of us will have 
the right to use the Account to obtain loans pursuant to 
the 
terms  hereof.  Any  one  obligor’s  elections, 
transactions and directions to the Credit Union shall be 
binding upon all obligors. Each of us will be liable for all 
obligations owing on the  Account  whether borrowed  by 
me or otherwise and whether within or beyond the credit 
limit.  My liability will be joint and several.  Further each 
of  us  is  responsible  for  all  amounts  borrowed  by  any 
authorized  user(s).    Authorized  users  and  other  users 
may  also  be  required  to  repay  the  amount  owed  for 
charges  they  make;  however,  I  remain,  at  all  times, 
primarily responsible for all amounts owed.  

U.S.  Patriot  Act:  To  help  the  government  fight  the 
funding  of 
laundering 
terrorism  and  money 
activities,  Federal  law  requires  that  all  financial 
institutions  obtain,  verify,  and  record  information 
that identifies each person who opens an account.   

What this means to me:  When I open an account, you 
will ask for my name, address, date of birth and other 
information  that  will  allow  you  to  identify  me.    You 
may  also  ask  to  see  my  driver’s  license  or  other 
identifying documents.  

--------------------------------XXX------------------------------------ 

(IF AND AS APPLICABLE) 

LENDING  ACT  DISCLOSURE  & 
MILITARY 
ADDENDUM  –  Active  Military  Members  and  Their 
Dependents.   

IMPORTANT:    The  following  terms  govern  and 
replace any contrary terms in any agreements I have 
with  the  Credit  Union  IF  (a)  at  the  time  I  initiate  the 
credit transaction, I am an active member of the military 
or I am a dependent of an active member of the military 
(as those terms and defined in the Military Lending Act, 
10 U.S.C. 987 and its implementing regulations) (“MLA”); 
and (b) my credit transaction is unsecured or secured by 
personal  property  that  I  did  not  purchase  with  the 
proceeds  of 
  Such  credit 
transaction shall be called a “Covered Transaction.” 

transaction. 

the  credit 

IMPORTANT 

PROTECTIONS 

A.  Military Lending Act Disclosure:  FEDERAL LAW 
PROVIDES 
TO 
MEMBERS  OF  THE  ARMED  FORCES  AND  THEIR 
DEPENDENTS  RELATING  TO  EXTENSIONS  OF 
CONSUMER  CREDIT.    IN  GENERAL,  THE  COST  OF 
CONSUMER CREDIT TO A MEMBER OF THE ARMED 
FORCES  AND  HIS  OR  HER  DEPENDENT  MAY  NOT 
EXCEED  AN  ANNUAL  PERCENTAGE  RATE  OF  36 
PERCENT. 
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  FEES 

  THIS  RATE  MUST 

CHARGED (OTHER THAN CERTAIN PARTICIPATION 
FEES FOR A CREDIT CARD ACCOUNT). TO RECEIVE 
THE  DISCLOSURES  ORALLY,  PLEASE  CALL  US 
TOLL FREE AT 1-844-595-7532. 

B.  Military Annual Percentage Rate (MAPR)* 
The  MAPR  does  not  exceed  36%  using  Department  of 
Defense rules.  For the Annual Percentage Rate on  my 
credit 
(as 
applicable),  my  credit  card  agreement  (as  applicable), 
and disclosures. 

transaction,  see  my  promissory  note 

*The MAPR is calculated pursuant to a separate set 
of  rules  adopted  by  the  Department  of  Defense.  
These  rules  are  not  the  same  as  the  rules  for 
calculating  the  Annual  Percentage  Rate  (APR)  for 
consumer loans under the Truth in Lending Act and 
Regulation Z.  The MAPR includes  certain fees  and 
charges excluded under the Truth in Lending Act.  In 
the  event  my  credit  transaction  relates  to  a  credit 
card account, certain reasonable bona fide fees may 
be excluded from the MAPR.  The MAPR is governed 
by 32 CFR §232, whereas the APR is governed by 12 
CFR §1026. 

C.   If I or any of my dependents are expressly covered 
and entitled to the protections provided by the Military 
Lending Act, then the following applies: 

(i) 

Lien 

this  credit 

on  Accounts 

in  connection  with 

and  Cross-
Collateralization:    This  credit  transaction  will  not  be 
secured by a consensual lien on shares or deposits in any 
of my accounts unless I specifically agree to establish an 
account 
transaction 
(“Secured  Account”).    Only  funds  deposited  into  the 
Secured Account after the credit transaction is made will 
secure  this  credit  transaction  or  advance.    Any  cross-
in  my  credit 
collateralization  provision  contained 
transaction  or  membership  documents  will  not  apply  to 
the  Secured  Account.  
this  credit 
Exception: 
this  credit 
transaction,  we  still  reserve  our  statutory  lien  rights  and 
any  resulting  rights  to  set-off  or  administrative  freeze 
under federal or state law, which gives us the right to apply 
the sums in the Secured Account or any other account(s) 
I have with you to satisfy my obligations under this credit 
transaction.  Any contract terms in my credit transaction, 
security,  or  membership  agreements  that  contradict  the 
above  with  regard  to  this  credit  transaction  are  hereby 
void with regard to the Covered Transaction.  

transaction  or 
  However,  with  regard 

to 

(ii)  Arbitration  and  Notice: 

  This  credit 
transaction is not subject to mandatory arbitration or legal 
notice provisions and therefore any contract terms in my 
credit  transaction,  security,  or  membership  agreements 
that  contradict  the  above  with  regard  to  this  credit 
transaction  are  hereby  void  with  regard  to  Covered 
Transaction. 

(iii)   Waivers:    This  credit  transaction  is  not 
subject to the waiver of any right to legal recourse under 
any  state  or  federal  law,  including  the  Servicemembers 
Civil  Relief  Act  and  therefore  any  contract  terms  in  my 
credit  transaction,  security,  or  membership  agreements 

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EECU (Revision Date: 10-31-19) 

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that  contradict  the  above  with  regard  to  this  credit 
transaction  are  hereby  void  with  regard  to  Covered 
Transaction. 

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. 

(iv)  Continued  Effectiveness:    Any  term, 
condition or provision in this credit transaction, or in any 
other agreement, document or disclosure, contrary to the 
MLA are void for the period(s) during which I am entitled 
to  the  protections  of  the  MLA.   The  other  terms, 
conditions and provisions will remain in effect. 

(v) Payment Obligation:  I am required to make 
all payments pursuant to the terms set forth in my other 
credit 
transaction  or  account  agreements  and 
disclosures which are incorporated herein by reference. 

------------------------------XXX-------------------------------------- 

MY BILLING RIGHTS 
 I Understand That I Should Keep this Document for 
Future Use 

• 

This  notice 
responsibilities under the Fair Credit Billing Act. 

tells  me  about  my 

rights  and  your 

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: 

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. 

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. 

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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. 

The Special Rules for credit card purchases do not apply 
to purchases made with convenience checks or balance 
transfer checks. 

CUSTOMER  SERVICE:  1-800-442-4757  –  24  hours  a 
day / 7 days a week. (Callers should have their Account 
information available.) 

_______________________________________________________________________________________________________________________________________ 
EECU (Revision Date: 10-31-19) 

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