Rev. 6/01/21  
1  CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 
FOR YOUR GECU EMPOWERMENT CREDIT CARD  
 
Disclosure to GECU Empowerment Credit Card Agreement and Disclosure Statements  
 
Disclosure of variable rates and fees are accurate and based on the Prime Rate of 3.25% in effect 
as of April 1, 2020 and may have changed. To receive the most recent information, contact GECU 
at 1-800-772-4328.  
 
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases, 
Balance Transfers, and 
Convenience Checks  1.90% introductory APR is effective upon the opening of your account if 
you are approved for a GECU Empowerment credit card and your credit 
score is 610 and above. APR is fixed for the fir st 6 statement billing cycles 
following the opening of the account for all purchases, balance transfers, and 
convenience checks. After that the variable Standard Rate purchases, 
balance transfers, and convenience checks will apply. The Introductory Rate 
may end sooner if your payment is late. See explanation below.  
 
After that, your APR will 7.90%, 9.25%, 10.65%, 14.90%, 
or 17.65% as of 4 -1-20, depending on your creditworthiness1 
This APR will vary on the market based on the Prime Rate.2 
APR for Cash Advances  1.90% introductory APR is effective upon the opening of your account if 
you are approved for a GECU Empowerment credit card and your credit 
score is 610 and above. APR is fixed for the first 6 statement billing cycles 
following the opening of the account for all cash advances. After that the 
variable Standard Rate for purchases, balance transfers, and convenience 
checks will apply to the remaining balance. The variable APR for Cash 
Advances will apply to cash advances conducted after the expiration  of the 
Introductory Rate. The Introductory Rate may end sooner if your payment is 
late. See explanation below.  
 
2% above your APR for Purchases, not to exceed 17.90%.  
The APR will vary on the market based on the Prime Rate.2 
Penalty APR and When it 
Applies  None  
Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash advances,  
balance transfers, and convenience checks on the transaction date.  
How to Avoid Paying 
Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay you r entire balance by 
the due date each month.  
Minimum Interest Charge  None  
For Credit Card Tips from  
the Consumer Financial 
Protection Bureau  To learn more about factors to consider when applying for or using a  
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore  
 
Fees and Charges  
Annual Fee  None  
Transaction Fees   
� Balance  Transfer  None  
� Foreign  Transaction  1% of transaction   Rev. 6/01/21  
2  Penalty Fees   
� Late Payment  If payment is 10 days or more past due, you will be charged up to $25. 
� Over -the-Limit  None  
� Returned Payment  Up to $25 
 
How We Will Calculate your Balance: We will use a method called �average daily balance (including 
purchases)�. See your account agreement for more details.  
 
Military Lending Act Disclosures: Federal law provides important protections to members of the Arme d 
Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
rate (APR) of 36%. This rate must include, as appl icable 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 cre dit transactions 
or accounts); and any participation fee charged (other than certain participation fees for a credit card 
account). Please call us at (844) 351 -4328 to receive disclosures orally.  
 
Billing Rights: Information on your rights to dispute trans actions and how to exercise those rights is provided 
in your account agreement.  
 
Loss of Introductory APR: If the account is closed for any reason (including closure based on default of 
another GECU account), any introductory APR (the �Introductory APR�) then in effect is forfeited and the 
APR that will be applied to the outstanding balance will be the Standard Rate.  
 
1 The Periodic Rate (DPR) for the APRs listed in the table above are as follows:  
Standard Rate DPR  Cash Advance Rate DPR  
7.90% APR (.02164%  DPR)  9.90% APR (.02712% DPR)  
9.25% APR (.02534% DPR)  11.25% APR (.03082% DPR)  
10.65% APR (.02918% DPR)  12.65% APR (.03466% DPR)  
14.90% APR (.04082% DPR)  16.90% APR (.04630% DPR)  
17.65% APR (.04836% DPR)  17.90% APR (.04904% DPR)  
17.65% APR (.04836% DPR)  17.90% APR (.04904% DPR)  
 
2 The Standard Rate Annual Percentage Rate (APR) may vary quarterly. The APR is a variable rate 
determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on 
our review of your applicati on and credit history) to the Prime Rate (Index) which is published in the  �Money 
Rates� column of The Wall Street Journal on the last business day of each calendar quarter. The Index will 
be applied the first day of your billing cycle that ends in the ca lendar month following each quarter end. Your 
account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit 
score range, and as otherwise required by law. Changes to your APR will be applied upon notification in 
accordance with applicable laws and regulations.  
 
Notice: Read and retain this copy of your Agreement and Truth -in-Lending Disclosure for 
future reference.  
 
TERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement 
(�Agreement�) cover your GECU Empowerment credit card (�Account�) with us. In this 
Agreement, the word �you� and �your� means any person who signs the GECU Empowerment 
credit card Application (�Application�) or any person who uses the Card(s). �We,� �our,� and �us� 
means GECU, primary address located at 1225 Airway Drive, El Paso, TX 79925. The �Card� 
means any credit card issued to you or those designated by you under the terms of this 
Agreement. �Use of the Card� means any procedure used by you, or someone authorized by you, 
to make a  purchase or an advance whether or not the purchase or advance is evidenced by a 
signed written document. �Unauthorized use� means the use of your Card by a person, other  than 
you, who does  not have  actual,  implied  or apparent  authority  for such  use, and from  Rev. 6/01/21  
3  which you 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.  
 
EXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an 
Account in your name and cause one or more Cards to be issued to you or those designated by 
you. In such event, you authorize us to pay for your Account, all items reflecting credit purchases, 
balance transfers, conveni ence checks, and cash advances obtained through use of the Card. 
Being a member of GECU is necessary to obtain and maintain use of the Card.  
 
NOTE: You must qualify for a minimum credit line of $2,000 to receive GECU Empowerment credit 
card benefits. For a  complete description of benefits, please refer to the summary of benefits 
provided with your new card.  
 
JOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each of 
you shall be jointly and individually liable to us for all ch arges made to the Account, including 
applicable fees. In addition, you agree that each of you designates the other as agent for the 
purpose of making purchases extended under this Agreement and each use of your Account shall 
be an extension of credit to al l. Notice to one of you shall constitute notice to all. Any joint 
cardholder may remove him/herself from responsibility for future purchases at any time by 
notifying us in writing. However, removal from the Account does not release you from any liability 
already  incurred.  
 
CONVENIENCE CHECKS : We may, at our discretion, issue checks to you. By signing such 
checks, you authorize us to pay the item for the amount indicated and post such amount as a 
cash advance to your Account. We do not have to pay any item w hich would cause the 
outstanding balance in your Account to exceed your credit limit. We may reject and return unpaid 
any Convenience Check you write for any reason. Checks used to access your account may not 
be accepted if made to cash, you, or if present ed in a format other than the checks we issue. 
Convenience checks may not be used to pay off existing debt at  GECU.  
 
OTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable 
for all credit extended to such persons. You promise to pay for all purchases, balance transfers, 
convenience checks, and cash advances made by anyone whom you authorize to use your Card, 
whether or not you notify us that he or she will be using it. If someone else is authorized to use 
your card and you want to end that person�s privilege, you must notify us in writing and, if he or 
she has a Card, you must return the Card with your written notice for it to be effective.  
 
CREDIT LIMITS: You promise that payments we make for your Account(s) resulting f rom use of 
the Card will, at no time, cause the outstanding balance of your Account to exceed your credit 
limit as established by us or as adjusted from time to time at our discretion.  
 
TRANSACTION LIMITS: The maximum balance permitted for all cash advance  transactions is 
50 percent of your credit limit, subject to the terms and limitations outlined herein. Balance 
transfers between the GECU credit card programs are not permitted.  
 
PROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases,  cash advances, 
balance transfers, and convenience checks made by you or anyone whom you authorize to use 
the Card or Account; (b) FINANCE CHARGES and other charges or fees; (c) collection costs and 
attorneys� fees as permitted by applicable law and any co sts incurred in the recovery of the Card; 
and (d) credit in excess of your credit limit that we may extend to you. At the end of each monthly 
billing cycle for which you have a balance on your Account, you will be furnished with  a  Rev. 6/01/21  
4  periodic st atement showing (i) the �Previous Balance� (the outstanding balance in the Account at 
the beginning of the billing cycle), (ii) the amount of all cash advances, purchases, balance 
transfers, convenience checks, over -the-limit fees, late charges, annual fee s, FINANCE 
CHARGES and other charges or fees posted to your Account during the billing cycle, (iii) the 
amount of all payments and credits posted to your Account during the billing cycle and (iv) the 
�New Balance� which is the sum of (i) and (ii) minus  (iii). 
 
You agree to pay for your Account on or before the Payment Due Date shown on the monthly 
periodic statement either the entire New Balance or a Minimum Payment equal to any amount, 
which is at least 2% of the New Balance or $25.00 whichever is greater,  plus any amount in 
excess of the credit limit established by us and any past due minimum payments. If the New 
Balance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance 
of the due date without a penalty and you may repa y any funds advanced, credit extended or 
amount outstanding at any time without a penalty for early payment. Regardless of the amount of 
any extra payment during a given month, a monthly payment will be required the following month 
if a balance remains in your Account.  
 
COST OF CREDIT: You will pay a FINANCE CHARGE for all advances made against your 
Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks 
begin to accrue on the date of the advance. New purchases will not incur a  FINANCE CHARGE 
on the date they are posted to your Account if you have paid the Account in full by the Payment 
Due Date shown on your previous monthly statement or if there was no previous balance. Cash 
Advances incur a FINANCE CHARGE from the date they a re posted to your Account.  
 
No additional FINANCE CHARGES will be imposed on new purchases shown on your statement 
if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on 
the statement. For purchases made with your Ca rd, there is at least a 25 -day grace period within 
which the New Balance may be paid without incurring a FINANCE  CHARGE.  
 
The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to 
the �Balance Subject to FINANCE CHARGE � which is the �Average Daily Balance� of your 
Account, including current transactions. The Average Daily Balance is arrived at by taking the 
beginning balance of your Account each day, adding new cash advances, balance transfers, and 
convenience checks, a nd unless you pay your entire Account Balance in full by the Payment Due 
Date shown on your previous monthly statement or there is no previous balance, adding in new 
purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives 
us the daily balance. The daily balances for the billing cycle are then added together and divided 
by the number of days in the billing cycle. The result is the �Average Daily Balance.� The Periodic 
Rate portion of the FINANCE CHARGE is determined by multi plying the Average Daily Balance 
by the number of days in the billing cycle and applying the respective periodic rate to the product. 
If your periodic rate is computed based on an Index, your periodic rate(s) may  vary.  
 
If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE 
CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE 
RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE  
may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined 
quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our 
review of your application and creditworthiness) to the Prime Rate (In dex). This Index as 
published in the �Money Rates� column of The Wall Street Journal on the last business day of 
each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a 
holiday, then the Index published on the precedin g business day for that month will be used.   Rev. 6/01/21  
5  The Index will be applied the first day of your billing cycle that ends in the calendar month 
following each quarter end. Your account shall generally be reviewed every 12 to 24 months to 
determine the appropriate margin and credit score range, and as otherwise required by law. 
Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in 
accordance with applicable laws and  regulations.  
 
The ANNUAL PERCENTAGE RATE for purchases, cash ad vances, balance transfers, or 
convenience checks in any given billing cycle, except for any Introductory Rate period, will be the 
Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE 
RATES for purchases, balance transfers,  and convenience checks are referred to as the Standard 
Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, 
cash advances, balance transfers, and convenience checks are set forth in the Additional  
Disclosure.  
 
For all, pur chases, cash advances, balance transfers, and convenience checks, the Standard 
Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding 
Standard Rate Daily Periodic Rate of .04904%.  
 
Please note that the terms of your account, inc luding any of the ANNUAL PERCENTAGE 
RATES , are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be 
in accordance with the Agreement and Disclosure Statement for your account.  
 
PENALTY APR: No Penalty APR.  
 
LIABILITY FOR UNAUTHORIZED USE: Under MasterCard�s� zero liability policy, you will not 
be liable for an unauthorized transaction, as long as you exercised reasonable care in 
safeguarding the card from risk of loss or theft, and upon becoming aware, prompt ly notify our 
designee orally or in writing of the loss, theft, or possible unauthorized use at Card Services, 
Dispute Processing, P.O. Box 10409, Des Moines, IA 50306, Telephone Number 1.800.810.2252. 
In any case, your maximum liability for unauthorized u se of the Card will not exceed $50.00 and 
you will not be liable for any unauthorized use that occurs after you notify our designee of the 
address or telephone number  above.  
 
SKIP PAYMENT OPTION: We may designate a billing period in which you will have an option to 
skip a payment or pay less than the Minimum Payment Due. If you exercise this option, FINANCE 
CHARGES will accrue based on your �Average Daily Balance� as described in the GECU 
Empowerment Credit Card Agreement and Disclosure  Statement.  
 
CREDITIN G OF PAYMENTS: Payments made on your Account at the address designated for 
payment on the monthly periodic statement or in -person payments at a branch made prior to the 
close of business will be credited on the date of receipt. If the date of receipt is no t a business 
day, your payment will be credited on the first business day following receipt. Payments on your 
Account will be applied first to collection costs, then to any FINANCE CHARGE and to other fees 
due, and then to the unpaid principal balance as r equired by law. We reserve the right to withhold 
credit availability on any payment. Interest paid or agreed to be paid shall not exceed the 
maximum amount of interest permissible under applicable law, and in any contingency 
whatsoever, if we shall receive  anything of value deemed interest under applicable law which 
would exceed the maximum amount of interest permissible under applicable law, the excessive 
interest shall be applied to the reduction of the unpaid principal amount or refunded to you.   Rev. 6/01/21  
6  ATM TRANSACTIONS: When you conduct a transaction at an ATM, you may be charged a 
fee by the ATM operator or any network used to complete the transfer, which may include 
GECU owned ATMs.  
 
LATE PAYMENT FEE: If a payment is 10 days or more past  due, you will be charged a Late 
Payment Fee up to $25. If your minimum payment is less than $25, the Late Payment Fee will be 
equal to your minimum payment.*  
 
ANNUAL FEE: No Annual Fee.  
 
OVER -THE-LIMIT FEE: No Over -the-Limit Fee.  
 
RETURNED PAYMENT FEE: We will charge you a Returned Payment Fee up to $25 if any 
payment you send us is returned unpaid for any reason. We will charge you this fee each time 
any payment is returned unpaid, even if it is paid upon resubmission. If your minimum payment is 
less than  $25, the Returned Payment Fee will be equal to your minimum payment.*  
 
*MULTIPLE FEES: In the event that the Late Payment Fee and the Returned Payment Fee apply 
concurrently, we will not charge you more than one fee for a single event.  
 
OTHER FEES:  
Convenience  Check  Fee ................................ ....... $4.00  
Duplicate  Statement  Fee ................................ ........  $5.00  
Expedited  Card  Fee�  ................................ ........  $29.50  
Balance Transfer Stop  Payment  Fee�  ................  $25.00  
Telephone Operator Assistance Fee  
(for expedited  service)  ................................ ........  $5.00  
 
SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER  THE 
UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT 
UNION MAY HAVE IN ANY GOODS YOU PURCHASE. YOU SPECIFICALLY GRANT US A 
SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US 
NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE 
UNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A 
CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR 
INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT. SHARES 
AND DEPOSITS IN AN IND IVIDUAL RETIREMENT ACCOUNT (IRA) OR ANY OTHER 
ACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL 
LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU ARE 
GIVING. COLLATERAL SECURING OTHER LOANS WITH US MAY ALSO SECURE 
PAYMENTS FOR YOUR ACCOUNT UNDER THIS AGREEMENT. YOU MAY WITHDRAW 
THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, 
YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS 
DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE 
WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID 
BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY 
DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY 
LENDING ACT. FOR CLARITY, YOU WI LL NOT BE DEEMED A COVERED BORROWER, 
AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD 
ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE 
A COVERED  BORROWER.   Rev. 6/01/21  
7   
 
DEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep 
any promises you have made under this or any other agreement with us; (3) if you are the subject 
of an order of relief under Title 11 of the U.S. Code (Ba nkruptcy); (4) if anyone tries, by legal 
process, to take any of your money maintained with us; (5) if you have given us false or inaccurate 
information in obtaining your Card; or (6) if we reasonably believe that you are unable or unwilling 
to repay your obligations to  us. 
 
ACCELERATION: If you are in default, without notice to you, we may accelerate your debt and 
call any amounts you owe immediately due and payable, plus FINANCE CHARGES which shall 
continue to accrue until the entire amount is paid. If yo u default on your Account you authorize us 
to transfer the balance of your Account to another linked account of yours. You expressly waive 
any right to notice of our intention to accelerate and notice that your debt has been accelerated.  
 
TERMINATION AND C HANGES: You may terminate this Agreement, by written notice, as to 
future advances at any time. We can terminate this Agreement at any time subject to such notice 
as may be required by applicable law. Termination by either party shall not affect your oblig ation 
to repay any payments made for your Account resulting from use of the Card as well as FINANCE 
CHARGES and other related charges. We may change the terms of this Agreement, including 
the periodic rate, at any time subject to such notice as may be requ ired by applicable  law. 
 
CLOSING AN ACCOUNT AND CONTINUATION OF CERTAIN TERMS OF  THIS  
AGREEMENT: We may close or suspend your Account at any time without prior notice. You may 
also close your Account by notifying us. Once your account is closed, (A) you ma y not make any 
new transactions, and you must destroy all Cards and Convenience Checks; and (B) you must 
repay any outstanding balance pursuant to the Terms of this Agreement. Closing the Account will 
not prevent transactions from being added to the Accoun t and you will remain liable for all unpaid 
balances including transactions made or processed after the date the Account is closed.  
 
NOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING  
AGENCIES: We may report the status and payment history of your Account to credit reporting 
agencies each month. If you believe that the information we have reported is inaccurate or 
incomplete, please notify us in writing at our primary address shown in the Terms of this 
Agreement section of this Agreement. Pl ease include your name, address, home telephone 
number and Account number.  
 
CREDIT INVESTIGATION: In conjunction with your application for credit and, if approved, 
maintenance of your Account, you agree that we have the right to investigate your credit and  
employment history, to verify your credit references, to request and use credit reports, and to 
report the way you pay your Account to credit bureaus and other interested parties.  
 
ILLEGAL TRANSACTIONS: You may not use your Card for any illegal transactio n. You agree 
that we may decline to process any transaction that we believe in good faith to be for an illegal 
purpose. You agree that we will not be liable for declining to process any such transaction. If we  UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL 
SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE 
THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY 
FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER 
AGREEMENT.   Rev. 6/01/21  
8  do process any transaction that ultimately is determined to have been for an illegal purpose, you 
agree that you will remain liable to us under this agreement for any such transaction 
notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an act 
of default under this Agreement. YOU FURTHER AGREE TO WAIVE ANY RIGHT TO TAKE 
LEGAL ACTION AGAINST GECU FOR YOUR ILLEGAL USE OF THE CARD AND TO 
INDEMNIFY AND HOLD GECU AND MASTERCARD� INTERNATIONAL, INCORPORATED 
HARMLESS FROM AND AGAINST ANY LAWSUIT, OTHER LE GAL ACTION OR LIABILITY 
THAT RESULTS DIRECTLY OR INDIRECTLY FROM SUCH ILLEGAL  USE.  
 
FOREIGN CURRENCY CONVERSION: If you effect a transaction with your MasterCard card in 
a currency other than U.S. dollars, MasterCard International will convert the charge i nto 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 transact ion amount in U.S. dollars for such 
transactions is generally either a government -mandated rate or a wholesale rate determined by 
MasterCard International for the processing cycle in which the transaction is processed, increased 
by an adjustment factor est ablished from time to time by MasterCard International. The currency -
conversion rate used by MasterCard International on the processing date may differ from the rate 
that would have been used on the purchase date or cardholder statement posting date. You a gree 
that you will not cause or allow the Card to be used in any manner or for any transaction that we 
believe poses an undue risk or illegality and we may refuse to authorize any such use or 
transaction. You agree that any illegal use of the Card will be deemed an act of default under this  
Agreement.  
 
Foreign Transaction Fee : Foreign transaction fees may apply for three types of transactions:  
1. Card purchases you make or that are processed outside the U.S.;   
2. ATM cash withdrawals made or processed in foreig n countries and foreign currencies; or  
3. Online purchases from a non -U.S. retailer that uses an overseas bank to process 
transactions;  
 
GECU assess a fee as set forth in the Fees and Charges section above.  
 
ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the 
total Agreement and cannot in any way be severed from it. However, if any provision of this 
Agreement is finally determined to be void or unenforceable under any law, rule, or regulation, all 
other provisions of thi s Agreement will remain valid and enforceable. You understand that this 
Agreement is performable in the country and state of the aforementioned credit union in this 
Agreement, and the validity, construction, and enforcement of this Agreement shall be gover ned 
by applicable federal law and the laws of the state in which the aforementioned credit union is 
primarily located. We do not warrant any merchandise or services purchased by you with the 
Card. All purchases and cash advances are extended at the option of the merchant or cash 
advancing financial institution and we are not responsible for the refusal of any merchant or 
financial institution to honor your Card. The Card remains our property at all times and you agree 
to immediately surrender the Card upon demand. You agree to pay all reasonable costs of 
collection, including court costs and attorney�s fees, and any costs incurred in the recovery of the 
Card. We can accept late payments or partial payments, or check or money orders marked 
�payment in full� w ithout losing any of our rights under the Agreement. We can also delay enforcing 
any of our rights under this Agreement without losing them. You expressly waive presentment for 
payment, demand, protest, and notice of protest and dishonor of same. You agree  to give us 
prompt notice of any change in your name, mailing address, telephone number or place of  
employment.  
 
RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:   Rev. 6/01/21  
9  By using the Card, you agree to all the terms and conditions and promise to perform all the 
obligations, requirements, and duties contained in this Agreement, and you acknowledge receipt 
of a copy of this Agreement.  
 
GECU, 1225 Airway, El Paso, TX 79925 issues your credit card under this Agreement.  
 
WHAT TO DO IF THERE IS AN ERROR  ON YOUR STATEMENT  
 
NOTICE OF YOUR BILLING RIGHTS � 
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 Yo ur Statement.  
If you think your statement is wrong or if you need more information about a transaction on your 
statement, write us on a separate sheet at the address listed on your statement. Write to us as 
soon as possible. We must hear from you no later than 60 days after we sent you the first 
statement on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights.  
 
In your letter, provide us with the following information: (a) your name and account number; (b) 
the dollar amount of the suspected error; (c) a description of the error and explain, if you can, why 
you believe there is an error. If you need more information, describe the item you are not sure 
about.  
 
If you have authorized us to pay your credit card bill automatically from your GECU checking 
account, you can stop the payment on any amount you think is wrong. To stop the payment, your 
letter must reach us three (3) business days before the automatic payment is scheduled to occur.  
 
Your Rights and Our R esponsibilities After We Receive Your Written Notice.  
We must acknowledge your letter within 30 days, unless we have corrected the error by then. 
Within 90 days, we must either correct the error or explain why we believe the statement was 
correct. After we  receive your letter, we cannot try to collect any amount you question or report 
you as delinquent. We can continue to bill you for the amount you question, including FINANCE 
CHARGES , and we can apply any unpaid amount against your credit limit. You do not  have to 
pay any questioned amount while we are investigating, but you are still obligated to pay the parts 
of your statement that are not in question. If we find that we made a mistake on your statement, 
you will not have to pay any FINANCE CHARGES relate d to any questioned amount. If we didn�t 
make a mistake, you may have to pay FINANCE CHARGES and you will have to make up any 
missed payments on the questioned amount. In either case, we will send you a statement of the 
amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, 
we may report you as delinquent. However, if our explanation does not satisfy you and you write 
to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to 
that you have a question about your statement. And, we must tell you the name of anyone we 
reported you to. We must tell anyone we report you to that the matter has been settled between 
us when it finally  is. 
 
If we don�t follow these rules, we can�t colle ct the first $50.00 of the questioned amount, even if 
your statement was correct.  
 
Special Rule for Credit Card Purchases.  
If you have a problem with the quality of property or services that you purchased with a credit 
card, and you have tried in good fait h to correct the problem with the merchant, you may have the  Rev. 6/01/21  
10  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 $50.00. These limitations do not apply if we own or operate the merchant or 
mailed you the advertisement for the property or services.  
 
GECU MEMBER  SERVICE: Call 1.800.810.2252, 24 hours a day, seven days a week. (Please 
have account information available).  
 
California residents : Applicants: 1) may, after credit approval, use the credit card account up to 
its credit limit; 2) may be liable for amount s 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 
oblig ations.  
 
Florida Residents : You (borrower) agree that, should We obtain a judgment against You, a portion 
of Your disposable earnings may be attached or garnished (paid to Us by Your employer), as 
provided by Florida and Federal  law. 
 
Maryland Residents: To the extent, if any, that Maryland law applies to Your Account, We elect 
to offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.  
 
Missouri Residents: Oral Agreements or commitments to loan money, extend credit or to forbear 
from enforcing repayment of a debt including promises to extend or renew such debt are not 
enforceable. To protect You (borrower(s)) and Us (creditor) from misunderstanding or 
disappointment, any Agreements We reach covering such matters are contained in this writing, 
which is the complete and exclusive statement of the Agreement between Us, except as We may 
later agree in writing to modify it.  
 
Nebraska Residents : A credit agreement must be in writing to be enforceable under Nebraska 
law. To protect you and us from any misunderstandings or disappointments, any contract, 
promise, undertaking, or offer to forebear repayment of money or to make any other financial 
accommodation in connection with this loan of money or grant or extension of credit , or any 
amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions 
of any instrument or document executed in connection with this loan of money or grant or 
extension of credit, must be in writing to be effective.  
 
New York Residents : New York residents may contact the New York State Department of 
Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. 
New York State Department of Financial Services: 1 -800-342-3736 or www.dfs.ny.gov.  
 
New York and Vermont residents : At any time, we may obtain your credit reports, for any 
legitimate purpose associated with the account or the application or request for an account, 
including but not limit ed to reviewing, modifying, renewing and collecting on your account. On 
your request, you will be informed if such a report was ordered. If so, you will be given the name 
and address of the consumer reporting agency furnishing the report.  
 
Ohio Residents : The Ohio laws against discrimination require that all creditors make credit equally 
available to all creditworthy customers, and that credit reporting agencies maintain separate credit 
histories on each individual upon request. The Ohio Civil Rights Commis sion administers 
compliance with this law.  
 
South Dakota Residents : If You believe there have been any improprieties in making this loan or  Rev. 6/01/21  
11  in the lender�s loan practices . You may contact the South Dakota Division of Banking at  1601  
N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.  
 
Utah Borrowers: This written Agreement is a final expression of the Agreement between You and 
the Credit Union. This written Agreement may not be contradicted by evidence of any oral 
Agreement. As required  by law, You hereby notified that a negative credit report reflecting on 
Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of 
Your credit obligations.  
 
Married Wisconsin residents: No provision of any marital  property agreement, unilateral statement 
under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the 
Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, 
or has actual knowl edge of its terms, before the credit is granted or the account is opened.  
 
Please sign if you are not applying for this account or loan with your spouse. The credit being 
applied for, if granted, will be incurred in the interest of the marriage or family o f the undersigned.  
 
THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO -SIGNER � YOUR 
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT 
OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT 
TO COLLECT FROM  YOU.