TEXAS DOW EMPLOYEES CREDIT UNION ADDITIONAL DISCLOSURE 
TO MASTERCARD� AGREEMENT  AND DISCLOSURE
This Additional Disclosure contains additional terms 
for your TDECU MasterCard� credit car d Account. 
This Additional Disclosure is incorporated into the 
TDECU MasterCard� Agreement and Disclosure 
Statement (� Agreement�) and should be m aintained 
with your copy of the Agreement for future reference. 
Rates  and fees  are s ubjec t to c hange from time to 
time.
The following te rms supplement  the  
Cost of Cr edit terms in y our Agreemen t:
INTRODUCTORY PURCHASES AND CASH 
ADVANCES RATE:    Until the first day of the billing 
cycle   that   includes   the   six-month   anniversary 
date of the opening of your Account, you will pay 
an introductory Daily Periodic Rate of 0% for all 
purchases and cash advances, whic h corresponds to 
an ANNUAL PERCENTAGE RATE of 0%. Thereafter, 
the Standard Rate set forth below will apply to your 
purchases and cash advances.
INTRODUCTORY BALANCE TRANSFER RATE: 
Until the first day of the billing cycle that includes 
the  twelve-month  anniversary  date  of  the  opening 
of your Account, you will pay an introductory Daily 
Periodic Rate of 0% for all balance transfers**, which 
corresponds to an ANNUAL PERCENTAGE RATE of 
0%. Thereafter, the Standard Rate set forth below will 
apply to your balance transfers.
STANDARD R ATE: After the Introductory Rate 
period, a Daily Periodic Rate of 0.0218904% which 
has a corresponding A NNUA L PERCE NTAGE RA TE 
of 7.99% will apply to all advances for your credit card 
Account. We may offer promotional rates from time 
to tim e while your Account is open and will 
disclose those r ates at the time of the offer. 
M-126428
 OCTOBER 2018  Interest Rates and Interest ChargesANNUAL PERCENTAGE RATE (APR) for Purchases
 0%   introductory APR on allpurchases for six months. After that, your Standard APR will be 
7.99%*.
APR for Balance Transfers 0% introductory APR for twelvemonths.** After that, your Standard APR will be 
7.99%*
APR for Cash Advances 0% introductory APR for sixmonths.** After that, your Standard APR will be 
7.99%*
Paying Interest  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 interest on cash advances and balance transfers on the transaction date.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
FeesAnnual 
FeeNonePenalty Fees� Late Payment� Returned Payment
Up to $25.00Up to $25.00ACCOUNT-OPENING SUMMARY TABLE
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.
Billing Rights: Information on your rights to 
dispute transactions and how to exercise those 
rights is provided in this Additional Disclosure.
Your Standard APR may be adjusted within a range  
of 7.99% to 17.99% in the future based on your 
creditworthiness.
**Offer only applies to balance transfer requests 
received by us within 30 business days of account 
opening. The following terms supplement the 
fee terms in your Agreemen t:
LATE PAYMENT FEE:          Up to $25.00
RETURNED PAYMENT FEE:             Up to $25.00
TELEPHONE PAYMENT FEE: $5.00
FEDEX FEE F OR E XPEDITING
L
OST, STOLEN, OR ADDITIONAL C ARD:  $37.50 
Fees are subje ct to change f rom t ime to t ime.
Y
our Billing Rights: Keep this Document for 
Future Use
This notice tells you about your rights and our respon -
sibilities under the Fair Credit Billing Act.
What to Do if You Find a Mistake on Y our Statement
If you think there is an error on your statement, write 
to us at:
Customer Service
P O Box 31112
Tampa, FL 33631-3112
In your letter, give us the following information:
� Account information: Your name and accountnumber.� Dollar amount: The dollar amount of the sus-pected error.� Description of problem: If you think there is anerror on your statement, describe what you believe is wrong and why you believe it is a mistake.You must contact us:� Within 60 days after the error appeared on yourstatement.� At least 3 business days before an automatedpayment is scheduled, if you want to stop payment on the amount you think is wrong.You must notify us of any potential errors in writing. You may call us, but if you do we are not required  to investigate any potential errors and you may have  to pay the amount in question.What Will Happen After We Receive Y our LetterWhen we receive your letter, we must do two things:1. Within 30 days of receiving your letter, we musttell you that we received your letter. We will also tell you if we have already corrected the error.2. Within  90  days  of  receiving  your  letter,we must either correct the error or explain to you why  we believe your statement is correct.While we investigate whether or not there has been an error:� We cannot try to collect the amount in question,or report you as delinquent on that amount.� The charge in question may remain on yourstatement, and we may continue to charge you interest on that amount.� While you do not have to pay the amount inquestion,  you  are responsible  for the  remainder  of your balance.� We can apply any unpaid amount against yourcredit limit.After we finish our investigation, one of two things will happen:� If we made a mistake: You will not have to paythe amount in question or any interest or other fees related to that amount.� If we do not believe there was a mistake: You will have to pay the amount in question along with appli- cable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.If you receive our explanation but still believe your statement is wrong, you must write to us within 10  days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your statement.  We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.YourRights IfYouAre Dissatis fiedWithYourCredit
CardPurchases
If 
you are dissatisfied with the goods or services 
that 
you have purchased with your 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 purchase.
To use this right, all of the following must be true:
1.The purchase  must have been made in your
home state or within 100 miles of your current mailing 
address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed 
to you, or if we own the company that sold you the 
goods or services.)
2.You must have used your credit card for the
purchase. Purchases made with cash advances from 
an ATM or with a check that accesses your credit card 
account do not qualify.
3.You must not yet have fully paid for the
purchase.
If 
all of the criteria above are met and you are still 
dissatisfied with the purchase, contact us in writing at:
Customer Service
P O Box 31112
Tampa, FL 33631-3112
While we investigate, the same rules apply to the 
disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not 
pay, we may report you as delinquent.
Customer Service: (877) 404-1009, 24 hours a day / 
7 days a week