Credit Card Agreement  and Disclosure 

INTEREST RATES AND INTEREST CHARGES 

ANNUAL PERCENTAGE RATE 
for Purchases 

ANNUAL PERCENTAGE RATE 
for Balance Transfers 

ANNUAL PERCENTAGE RATE 
for Cash Advances 

How To Avoid Paying 
Interest on Payments 

Minimum Interest Charge 

{} VISA Secured  6.50%                                          
{} VISA Classic  8.90% – 18.00% **  
{} VISA Secured  2.90% Promotional APR for 12 months. After that, your APR will be 6.50%                                          
{} VISA Classic 2.90% Promotional APR for 12 months. After that, your APR will be 8.90% – 
18.00% **  
{} VISA Secured  6.50%                                          
{} VISA Classic 8.90% – 18.00% **  
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.  

If you are charged interest, the charge will be no less than $.50. 

For Credit Card Tips From 
the Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov./learnmore 

FEES 
Set-up And Maintenance Fees 

Annual Fee 
Transaction Fees 

Balance Transfer Fee 
Foreign Transaction Fees 

Penalty Fees 

Late Payment 
Returned Payment 

NONE 

NONE 
1% of transaction amount/foreign 

Up to $25.00 
Up to $30.00 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. 
See your agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.       
**ANNUAL PERCENTAGE RATE is based on your credit history. 

2013 ConmarSystems, Peachtree City, GA  30269 – EFORM  19114-2 Rev. 10/15 

 
 
 
 
 
 
In this Agreement the words "you" and "your" mean each and all of those who agree to be bound 
by  this  Agreement;  "Card"  means  the  VISA  Credit  Card  and  any  duplicates,  renewals,  or 
substitutions FedEx Employees Credit Association issues to you; "Account" means your VISA 
Credit Card line of credit account with FedEx Employees Credit Association, and whose name 
appears on this Agreement or anyone to whom FedEx Employees Credit Association transfers 
this Agreement. 
1.  Using  Your  Account.  If  you  are  approved  for  an  Account,  FedEx  Employees  Credit 
Association will establish a line of credit for you and notify you of your credit limit. You agree 
that your credit limit is the  maximum  amount  (purchases, cash advances, finance charges, 
plus "other charges") that you will have outstanding on your Account at any time. Each payment 
you make to your Account will restore your credit limit by the amount of the payment, unless you 
are over your credit limit. If you are over your credit limit, you must pay the amount you are over 
before payments will begin to restore your credit limit. You may request an increase  in your 
credit limit only by a method acceptable to FedEx Employees Credit Association.  
FedEx Employees Credit Association has the right to reduce your credit limit, refuse to make an 
advance and/or terminate your Account at any time for any reason not prohibited by law. 
2. Using the VISA Card. You may use your Card to make purchases from merchants and others 
who accept VISA Cards. However, you may not use your Card to initiate any type of electronic 
gambling  transaction  through  the  internet.  In  addition,  you  may  obtain  cash  advances  from 
FedEx  Employees  Credit  Association  and  from  other  financial  institutions  that  accept  VISA 
Cards, and from some automated teller machines Cirrus (ATMs), (Not all Cirrus ATMs accept 
VISA  Cards.)  To  obtain  cash  advances  from  an  Cirrus  ATM,  you  must  use  the  Personal 
Identification Number (PIN) that is issued to you for use with your Card. You may use your Visa 
Card to conduct any transaction or obtain any FedEx Employees Credit Association service 
permitted  by  law.  You  agree  that  the  use  of  the  Visa  Card  to  obtain  a  service  or  effect  a 
transaction  that  is  illegal  under  the  law  of  any  jurisdiction  where  originated,  effected  or 
accomplished will be a default and breach of this Agreement. We may terminate the access to 
the service or withdraw the right to use the Visa Card and/or demand the return of all Visa Cards 
or other access devices issued to you. If illegal use of your Visa Card occurs, you waive the 
right to sue us and agree to indemnify and hold us harmless from any suits or other legal action 
or liability which may be asserted, directly or indirectly, against us arising out of or resulting from 
the illegal use of the Visa Card. 
3.  Responsibility.  You  agree  to  pay  all  charges  (purchases  and  cash  advances)  to  your 
Account that are made by you or anyone whom you authorize to use your Account. You also 
agree to pay all finance charges and other charges added to your Account under the terms of 
this Agreement or another agreement you made with FedEx Employees Credit Association. If 
this is a joint Account, Section 17 of this Agreement also applies to your Account. 
4. Finance Charges. New purchases posted to your account during a billing cycle will not incur 
a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that 
billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the 
Payment Due Date of that statement; otherwise a finance charge will accrue from the date a 
purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire New Balance on the billing statement by the Payment Due 
Date of that statement. A finance charge begins to accrue on cash advances from the date you 
get the cash advance or from the first day of the billing cycle in which the cash advance is posted 
to your account, whichever is later. 
The finance charge is calculated separately for purchases and cash advances. For purchases, 
the  finance  charge  is  computed  by  applying  the  monthly  periodic  rate  to  the  average  daily 
balance of purchases. To get the average daily balance of purchases, we take the beginning 
outstanding balance of purchases each day, add any new purchases and subtract any payments 
and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances 
of purchases for the billing cycle together and divide the total by the number of days in the billing 
cycle. This gives us the average daily balance of purchases. 
For cash advances, the finance charge is computed by applying the monthly periodic rate to the 
average daily balance of cash advances. To get the average daily balance of cash advances, 
we take the beginning outstanding balance of cash advances each day, add in any new cash 
advances, and subtract any payments and/or credits that we apply to the cash advance balance. 
This gives us the daily balance of cash advances. Then we add all the daily balances of cash 
advances for the billing cycle together and divide the total by the number of days in the billing 
cycle. This gives us the average daily balance of cash advances. 
The ANNUAL PERCENTAGE RATE for your Card is based on certain creditworthiness criteria. 
For  our  VISA  Classic  Card,  the  monthly  periodic  rate  for  purchases  and  cash  advances  is 
0.7417% - 1.50%, which is an ANNUAL PERCENTAGE RATE of 8.90% - 18.00%. Balance 
Transfers  promotional  monthly  periodic  rate 
is  and  ANNUAL 
PERCENTAGE  RATE  of  2.90%  for  12  months.  After  the  promotional  period,  the  monthly 
periodic  rate  is  0.7417%  -  1.50%  which  is  an  ANNUAL  PERCENTAGE  RATE  of  8.90%  - 
18.00%. 
For our VISA Secured Card, the monthly periodic rate for purchases and  cash advances is 
0.5417%, which is an ANNUAL PERCENTAGE RATE of 6.50%. Balance Transfers promotional 
monthly periodic rate is 0.02417%, which is and ANNUAL PERCENTAGE RATE of 2.90% for 
12  months.  After  the  promotional  period,  the  monthly  periodic  rate  is  0.5417%  which  is  an 
ANNUAL PERCENTAGE RATE of 6.50%. 
5.  Other  Charges.  The  following  other  charges  (fees)  will  be  added  to  your  Account,  as 
applicable: 
a) Late Payment Fee: If you are 10 days or more days late in making a payment, a late charge 
up to $25.00 will be added to your account. 

is  0.02417%,  which 

2013 ConmarSystems, Peachtree City, GA  30269 – EFORM  19114-2 Rev. 10/15 

b) Return Payment Fee: If a check or share draft used to make a payment on your account is 
returned unpaid, you will be charged a fee, up to $30.00 for each item returned. 
c) Card Replacement Fee: You will be charged $15.00 for each replacement card that you 
request. 
d) Document Copy Fee: You will be charged $2.00 per statement plus $15.00 per hour for each 
statement that you request (except when the request is made in connection with a billing error 
made by FedEx Employees Credit Association). 
e) Collection Costs: To the extent permitted by law, you agree to pay all costs of collecting the 
amount you owe under this Agreement, including court costs and attorney’s fees. 
f) Rush Delivery Fee: For normal production, rush delivery is $17.00. additional fees may apply 
to weekend delivery if available. 
6.  Payments.  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your 
statement by the date specified on the statement or no later than 25 days from the statement 
closing date, whichever is later. If your statement says the payment is "Now Due," your payment 
is due no later than 25 days from the statement closing date. You may pay more frequently, pay 
more than the minimum payment or pay the Total New Balance in full.  If you  make extra  or  
larger  payments,  you  are  still required to make at least the minimum payment each month 
your Account has a balance (other than a credit balance). The minimum payment is 3% of your 
Total  New  Balance,  or  $25.00  whichever  is  greater,  plus  the  amount  of  any  prior  minimum 
payments  that  you  have  not  made,  and  any  amount  you  are  over  your  credit  limit.  FedEx 
Employees Credit Association also has the right to demand immediate payment of any amount 
by which you are over your credit limit. 
7. Payment Allocation. Payments when paid during a billing cycle will be applied to amounts 
outstanding  at  the  time  payment  is  received  in  the  following  order:  Unpaid  interest,  other 
charges, previous cash advances, balance transfers and current purchases. Payment amounts 
in excess of your minimum payment will be applied first to balances with the highest Annual 
Percentage Rate until that balance is paid off and then to balances with the next highest Annual 
Percentage Rate until those balances are paid off. 
8.  Security  Interest.  To  secure  your  credit  card  account,  you  grant  us  a  purchase  money 
security interest in any goods you purchase through the account. If you default, we will have the 
right to recover any of these goods which have not been paid for. As a condition for the approval 
of your credit card account you grant us a specific pledge of your FedEx Employees Credit 
Association shares (deposits) and checking account(s), excepting those accounts that would 
have an adverse tax consequence if pledged as collateral. Collateral securing other loans you 
have with FedEx Employees  Credit Association  may  also  secure this loan, except that your 
home  will  never  be  considered  as  security  for  this  Account  notwithstanding  anything  to  the 
contrary in any other agreement. 

PLEDGE  OF  SHARE  AND  SHARE  DRAFT  (CHECKING)  ACCOUNT(S)—NOTE:  YOU 
PLEDGE TO US AND GRANT A SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT 
ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE  FUTURE,  TO  SECURE  YOUR 
CREDIT CARD ACCOUNT. YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE  
ACCOUNT(S) TO PAY ANY AMOUNTS DUE UNDER THIS AGREEMENT IF YOU SHOULD 
DEFAULT. 

9. Default. You will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. You will be in default if you break any promise you make 
under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, 
that is, unable to pay your obligations when they become due. You will be in default if you make 
any false or misleading statements in any credit application or credit update. You will also be in 
default  if  something  happens  that  FedEx  Employees  Credit  Association  believes  may 
substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  FedEx  Employees  Credit  Association  has  the  right  to  demand 
immediate payment of your full Account balance without giving you notice. If immediate payment 
is demanded, you agree to continue paying finance charge, at the periodic rate charged before 
default, until what you owe has been paid, and any shares that were given as security for your 
Account may be applied towards what you owe. 
10.  Unauthorized  Use—Lost/Stolen  Card  Notification.  You  have  no  liability  for  the 
unauthorized use of your card. If you believe your card has been lost or stolen, notify FedEx 
Employees Credit Association orally or by calling (800) 991-4964 twenty four hours a day or in 
writing at 2731 Nonconnah Blvd., Memphis, TN 38132. 
11. Changing or Terminating Your Account. Upon notice to you as required by law, the terms 
and conditions in this Agreement may be amended by FedEx Employees Credit Association at 
any time. The amendment shall govern any transactions occurring prior to the effective date of 
the  amendment,  as  to  which  there  is  an  unpaid  balance  owing  on  the effective  date  of  the 
amendment and the amendment shall also govern any transaction occurring after such effective 
date. Upon notice of amendment, you will have the right to surrender your Card, whereupon you 
may  continue  to  pay  off  your  account  in  the  same  manner  and  under  the  same  terms  and 
conditions as then in effect. Your failure to surrender the Card prior to the effective date of the 
amendment shall constitute consent to the amendment. 
12. Credit Information. You authorize FedEx Employees Credit Association to investigate your 
credit  standing  when  opening  or  reviewing  your  Account.  You  authorize  FedEx  Employees 
Credit  Association  to  disclose  information  regarding  your  Account  to  credit  bureaus  and 
creditors who inquire about your credit standing. 
13. Returns and Adjustments. Merchants and others who honor your Card may give credit for 
returns or adjustments, and they will do so by sending FedEx Employees Credit Association a 
credit slip which will be posted to your Account. If your credits and payments exceed what you 
owe FedEx Employees Credit Association, the amount will be applied against future purchases 

and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your 
written request or automatically after six months. 
14. Additional Benefits/Card Enhancements. FedEx Employees Credit Association may from 
time to time offer additional services to your Account, such as travel accident insurance, at no 
additional cost to you. You understand that FedEx Employees Credit Association is not obligated 
to offer such services and may withdraw or change them at any time. 
15.  Foreign  Transactions.  Purchases  and  cash  advances  made  in  foreign  countries  and 
foreign currencies will be billed to you in U.S. dollars. The conversion rate to U.S. dollars will be 
determined  in  accordance  with  the  operating  regulations  established  by  VISA  International. 
Currently the currency conversion rate used to determine the transaction amount in U.S. dollars 
is either a government-mandated rate or the wholesale market rate in effect one day prior to the 
transaction processing date, increased by one-percent. The currency conversion rate used on 
the processing date may differ from the rate that would have been used on the purchase date 
or cardholder statement posting date. 
16. Merchant Disputes. FedEx Employees Credit Association is not responsible for the refusal 
of any merchant or financial institution to honor your Card. FedEx Employees Credit Association 
is subject to claims and defenses (other than tort claims) arising out of goods or services you 
purchase with the Card if you have made a good faith attempt but have been unable to obtain 
satisfaction  from  the  merchant  or  service  provider,  and  (a)  your    purchase    was  made    in  
response    to  an  advertisement  FedEx  Employees  Credit  Association  sent  or  participated  in 
sending to you; or (b) your purchase cost more than $50 and was made in your state or within 
100 miles of your home. 
17.  Joint  Accounts.  If  this  is  a  joint  Account,  each  person  on  the  Account  must  sign  the 
Application for Credit Card. Each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that FedEx Employees Credit Association 
can require any one of you individually to repay the entire amount owed under this Agreement. 
Each of you authorizes the other(s) to make purchases or cash advances individually. Any one 
of you may terminate the Account and the termination will be effective as to all of you. 
18.  Effect of Agreement. This Agreement is the contract which applies to all transactions on 
your Account even though the sales, cash advances, credit or other slips you sign or receive 
may contain different terms. 
19. No Waiver. FedEx Employees Credit Association can delay enforcing any of its rights any 
number of times without losing them. 
20. Statements and Notices. Statements and notices will be mailed to you at the most recent 
address you have given FedEx Employees Credit Association. Notice sent to any one of you 
will be considered notice to all. 
21. Final Expression. This Agreement is the final expression of the terms and conditions of this 
VISA  line  of  credit  between  you  and  FedEx  Employees  Credit  Association.  This  written 
Agreement may not be contradicted by evidence of any alleged oral agreement. 
22.  Copy Received. You acknowledge that you have received a copy of this Agreement. 
23. Savings Clause. If any of the provisions of this Agreement shall be invalid or unenforceable, 
then  this  Agreement  shall  be  construed  as  if  it  did  not  contain  the  provisions  and  FedEx 
Employees  Credit  Association’s  right  and  your  obligations  shall  be  construed  and  enforced 
accordingly. 

YOUR BILLING RIGHTS 

Keep This Notice For Future Use 
This notice contains important information about your rights and our responsibilities under the 
Fair Credit Billing Act. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 
If you think your bill is wrong, or if you need more information about a transaction on your bill, 
write us on a separate sheet at the address listed on your bill.  Write to us as soon as possible.  
We must hear from you no later than 60 days after we sent you the first bill on which the error 
or problem appeared. You can telephone us, but doing so will not preserve your rights. 
In your letter, give us the following information: 
• Your name and account number. 
• The dollar amount of the suspected error. 
• Describe the error and explain, if you can, why you believe there is an error. If you need more 
information, describe the item you are not sure about. 
If you have authorized us to pay your credit card bill automatically from your share account or 
share draft account, you can stop the payment on any amount you think is wrong. To stop the 
payment  your  letter  must  reach  us  three  business  days  before  the  automatic  payment  is 
scheduled to occur. 

YOUR  RIGHTS  AND  OUR  RESPONSIBILITIES  AFTER  WE  RECEIVE  YOUR  WRITTEN 
NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. 
Within 90 days, we must either correct the error or explain why we believe the bill was correct. 
After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you  question  or  report  as 
delinquent. We can continue to bill you for the amount you question, including finance charges, 
and we can apply any unpaid amount against your credit limit. You do not have to pay any 
questioned amount while we are investigating, but you are still  obligated to pay the parts of your 
bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any finance charges 
related to any questioned amount. If we didn't make a mistake, you may have to pay finance 
charges, and you will have to make up any missed payments on the questioned amount.  In 
either case, we will send you a statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, 
if our explanation does not satisfy you and you write to us within 10 days telling us that you still 
refuse to pay, we must tell anyone we report you to that you have a question about your bill. 
And, we must tell anyone we report you to that the matter has been settled between us when it 
finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, 
even if your bill was correct. 

TO  REPORT  LOST  OR  STOLEN  CARDS,  CALL  (800)  991-4964  SPECIAL  RULE  FOR 
CREDIT CARD PURCHASES 
If you have a problem with the quality of property or services that you purchased with a credit 
card, and you have tried in good faith to correct the problem with the merchant, you may have 
the  right  not  to  pay  the  remaining  amount  due  on  the  property  or  services.  There  are  two 
limitations on this right: 
(a)  You must have made the purchase in your home state or, if not within your home state, 
within 100 miles of your current mailing address; and 
(b)  The purchase price must have been more than $50. 
These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if  we  mailed  you  the 
advertisement for the property or service. 

2013 ConmarSystems, Peachtree City, GA  30269 – EFORM  19114-2 Rev. 10/15