Agreement

Credit Card Agreement

Shell Federal Credit Union, P. O. BOX 578, Deer Park, Texas 77536
713.844.1100  800.388.5542  FAX: 713.844.0694  www.shellfcu.org

In this Agreement, the words “we,” “our,” “us,” and “Credit Union” mean Shell Federal Credit Union or its successors. “You” and “your” mean any person who 
signs this Agreement or uses the Card. “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 obtain a cash advance whether or not the purchase or advance is 
evidenced by a signed written document. “Unauthorized use of the Card” means the use of the Card by someone other than you who does not have actual, implied, 
or apparent authority for such use, and from which you receive no benefit. 

Security. YOU SPECIFICALLY GRANT US A CONSENSUAL 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 Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given 
are not subject to the security interest you are giving.

Additional Security.  If you have other loans with us, now or in the future, collateral securing those loans may also secure your obligations under 
this Agreement.  Please read any security agreement you sign in order to determine if the collateral also secures your obligations under this 
Agreement and other agreements you have with us.

Extensions of Credit. If your Application is approved, the Credit Union may, at its discretion, establish a line of credit in your name and cause
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one or more Cards to be issued to you or those designated by you. In such event, you authorize the Credit Union to pay for your account, all items reflecting
credit purchases and cash advances obtained through use of the Card. You may not use your Card for any illegal purpose or transaction. The Credit Union
may refuse to authorize any transaction that it believes to be illegal or that poses an undue risk or illegality. If we do process any transaction which 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 the Credit Union for illegal use of the Card and to indemnify and hold the Credit Union and MasterCard International, Inc. harmless
from and against any lawsuits, other legal action or liability that results directly or indirectly from such illegal use.

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
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charges made to the account, including applicable fees. In addition, you agree that each of you designates the other as agent for the purpose of making
purchases extended under this Agreement and each use of your account shall be an extension of credit to all.  Notice to one of you shall constitute notice
to all. Any joint cardholder may remove him/herself from responsibility for future purchases at any time by notifying us in writing.  However, removal from
the account does not release you from any liability already incurred.

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
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pay for all purchases, balance transfers, 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 the payments made for your account resulting from use of the Card will, at no time, cause the outstanding balance
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in your account to exceed your credit limit as disclosed to you at the time you received your Card or as adjusted from time to time at the discretion of the
Credit Union.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone
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whom you 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; and (d) credit in excess of your credit limit that we may extend to you. At the end of
each monthly billing cycle, you will be furnished with a periodic statement showing (i) the “previous balance” (the outstanding balance in the account at the
beginning of the billing cycle), (ii) the amount of all cash advances, purchases, INTEREST CHARGES, and other fees and charges 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) less (iii).

You agree to pay on or before the “payment due date” shown on the periodic statement either the entire “New Balance,” or the minimum payment shown 
on the statement. Generally, the “minimum payment” will equal 3% of the New Balance or $10, whichever is greater. If the New Balance is $10 or less, 
you will pay in full. You also agree to pay by the payment due date any amounts in excess of the credit limit established by us and any past due minimum 
payments. You may make extra payments in advance of the due date without a penalty, and you may repay any funds advanced, credit extended, or amount 
outstanding at any time without a penalty for early payment.  Regardless of the amount of any extra payment during a given month, a monthly payment will 
be required the following month if a balance remains in your account. The Credit Union may also, from time to time and at its option, offer you the opportunity 
to skip a payment. If you decide to skip a payment, an INTEREST CHARGE will continue to accrue on the balance in the account at the applicable periodic 
rate in accordance with this Agreement, and the payment terms applicable to the account prior to the skipped payment will automatically resume in the 
month immediately following the month in which you have skipped a payment.

Cost of Credit. You will pay an INTEREST CHARGE for all advances made against your account. INTEREST CHARGES for cash advances and
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balance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST 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.

{00221605 DOC}Rev. 05/2015

The Payment Due Date will be not less than 25 days from the billing cycle closing date shown on your statement. No additional INTEREST CHARGE will 
be imposed on purchases whenever you pay the account in full on or before the Payment Due Date reflected on your statement. Your periodic rates and 
corresponding ANNUAL PERCENTAGE RATES are set forth in the Account Opening Disclosures enclosed with and incorporated by reference into this 
Agreement. If your account features an Introductory Rate, you will pay an Introductory Rate INTEREST CHARGE for all advances made at the periodic rate 
and corresponding ANNUAL PERCENTAGE RATE and for the time period set forth in the Account Opening Disclosures (“Introductory Rate”). Thereafter, 
or if there is no Introductory Rate, the periodic rate used to compute the INTEREST CHARGE for all advances will be either a non-variable rate or a variable 
rate 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 month 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. 

The ANNUAL PERCENTAGE RATE for purchases in any given billing cycle, except for any Introductory Rate or Non-variable Rate period, will be the 
Index plus the Purchases Base Rate as set forth in the Account Opening Disclosures. The ANNUAL PERCENTAGE RATE for cash advances and balance 
transfers in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period, will be the Index plus the Cash Advances Base Rate as 
set forth in the Account Opening Disclosures. These ANNUAL PERCENTAGE RATES are collectively referred to in this Agreement as the Standard Rate. 
The initial Standard Rate daily periodic rates and corresponding ANNUAL PERCENTAGE RATES for purchases, cash advances, and balance transfers 
for your account are set forth in the Account Opening Disclosures. The Standard Rate will never be greater than a Daily Periodic Rate of .049288% with a 
corresponding ANNUAL PERCENTAGE RATE of 17.99%.  

In addition to the variable-rate and non-variable rate features of your account, the ANNUAL PERCENTAGE RATE after any introductory period is also 
based on certain creditworthiness criteria. After your account has been open for at least one year, we may review your credit standing every six months and 
adjust your periodic rate and corresponding ANNUAL PERCENTAGE RATE by providing you with advance notice in accordance with applicable law. If we 
adjust your ANNUAL PERCENTAGE RATE based on your credit standing, your Purchases Base Rate and Cash Advances Base Rate will also change or 
your rate may be changed from a variable rate to a non-variable rate or from a non-variable rate to a variable rate. We will advise you of these changes in 
a written change-in-terms notice. Any changes to your rates will only affect balances incurred after the effective date of the change and the new rates may 
remain in effect indefinitely. Current balances will continue to be subject to the rates in effect before the date of the change. Please refer to your Account 
Opening Disclosures for the current ANNUAL PERCENTAGE RATES applicable to your Account.

A portion of the INTEREST CHARGE is figured by applying the applicable Daily Periodic Rate to the Average Daily Balance of your Account for each feature 
category, including certain current transactions. Feature categories include purchases, balance transfers, and cash 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 you have paid 
your 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 balance. Balance transfers may be shown on your statement in the Promotions feature category. When determining balances, we may 
combine feature category balances that have the same periodic rate and other INTEREST CHARGE terms. We then subtract any payments or credits 
and unpaid INTEREST CHARGES allocated to the feature category balance for the day. This gives us 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 CHARGE for each statement period is the sum 
of the periodic INTEREST CHARGES for each feature category plus any non-periodic INTEREST CHARGES.

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Other Charges. The following other charges (fees) will be added to your account, as applicable:

ATM Fee. If you obtain a cash advance by using an automated teller machine, you may be charged any amounts imposed upon the Credit Union by
the owner or operator of the machine. Any charge made under this paragraph will be added to the balance of your account and treated as a purchase.
Collection Cost Fee. You agree to pay all reasonable costs of collection, including court costs and attorney’s fees imposed and any costs incurred in
the recovery of the Card.
Return Payment Fee. If a check, share draft or other order used to make a payment on your account is returned unpaid, you may be charged a fee
of $25 for each item returned.
Late Payment Fee. If your minimum required payment is not received by the Payment Due Date listed on your periodic statement, a charge of 20%
of the minimum payment due (maximum $25) may be added to your account.
Card Replacement Fee. You may be charged $5 for each replacement Card that is issued to you for any reason.
Document Copy Fee. You may be charged $4 for each copy of a sales draft or statement that you request (except when the request is made in
conjunction with a billing error made by the Credit Union).
Annual Fee. If your account is subject to a non-variable rate at any time, an Annual Fee of $45 will be charged to your account at account opening and
annually thereafter on or around the anniversary date of the opening of your account. The Annual Fee is nonrefundable and will be charged each year
your account is open or has a balance due while subject to a non-variable rate, even if charging privileges have been terminated. The Annual Fee will
not apply when your account is subject to a variable rate.

Credit Insurance. If available, credit insurance is not required for any extension of credit under this Agreement. However, you may purchase any
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credit insurance available through the Credit Union and have the premium added to the outstanding balance in your account. If you elect to do so, you will
be given the necessary disclosures and documents separately.

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unauthorized use of your Card, you should call us immediately at: (800) 442-4757

Liability for Unauthorized Use. You may be liable for the unauthorized use of your Card. If you notice the loss or theft of your Card or a possible

You may also write us at:  Credit Card Center, P.O. Box 815909, Dallas, TX 75381-5909

Although you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep your possible losses 
down.

Under MasterCard’s zero liability policy, you will not be liable for any unauthorized use of your MasterCard if: (1) you have exercised reasonable care 
in safeguarding your Card from the risk of loss or theft; (2) upon becoming aware of such loss or theft, promptly report the loss or theft to the issuer. 
MasterCard’s zero liability coverage also applies to PIN-based POS transactions and ATM transactions.

You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your 
notice to us.

{00221605 DOC}Rev. 05/2015

Crediting of Payments. We do not charge for payments made by mail or other standard payment methods approved by us. If we charge a fee
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for any expedited payment service we offer, that fee will be disclosed to you at the time you request the service. All payments made on your account at the
address designated for payment on the monthly periodic statement or by any other payment method approved by us will be credited to your account on the
date of receipt.  If the date of receipt for a mailed payment to the address designated on the periodic statement is not a business day, your payment will be
credited on the first business day following receipt. If payment is made at any location other than the address designated on the periodic statement or by
any other payment method not approved by us, credit for such payment may be delayed up to five days. If you make a payment in an amount of $1,500
or more, we may delay the corresponding replenishment of your credit line for up to three business days following our receipt of the payment. All required
minimum payments on your account will be applied first to collection costs, then to any INTEREST CHARGE and other fees due, and then to the unpaid
principal balance of the purchase, cash advance, and balance transfer transaction categories at our discretion.  Amounts paid in excess of the required
minimum payment will be applied first to the balances with the highest interest rates. Interest paid or agreed to be paid shall not exceed the maximum
amount 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.

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
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other Agreement with the Credit Union; (3) if you are the subject of an order for relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by
legal process, to take any of your money in the Credit Union; (5) if you have given the Credit Union false or inaccurate information in obtaining your Card;
or (6) if anything happens which the Credit Union reasonably believes endangers your ability to repay what you owe.

Acceleration. If you are in default, the Credit Union may, without prior notice to you, call any amounts you still owe immediately due and payable
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plus INTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any right to notice or demand, including
but not limited to, demand upon default, notice of intention to accelerate, and notice of acceleration. The Card remains the property of the Credit Union at
all times, and you agree to immediately surrender the Card upon demand of the Credit Union.

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to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account at no additional cost

Convenience Checks. The Credit Union may, at its discretion, issue checks to you which may be used for any purpose other than making a
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payment for credit to your account. By signing such check, you authorize the Credit Union to pay the item for the amount indicated and post such amount
as a cash advance to your account. The Credit Union does not have to pay any item, which would cause the outstanding balance in your account to exceed
your credit limit. Charges that apply in connection with the use of Convenience Checks are as follows: Copy of Paid Check $3; Stop Payment on Check
$25; Non-Sufficient Funds Check (NSF) $25. Fees will be assessed at the time they are incurred.

Continuation of Credit. The Credit Union may from time to time request personal information from you for the purpose of updating your credit
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status, according to normal credit procedures. Your failure to provide such information when requested by the Credit Union may result in suspension of your
line of credit privileges under this Agreement, including your ability to obtain any future advances by any means.

International Transactions. If you effect an international transaction with your MasterCard, MasterCard International will convert the charge
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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 your account. We will charge a Foreign Transaction Fee of up to 1% of the transaction amount in U.S. dollars on all international purchase, cash
disbursement, and account credit transactions. There is no grace period in which to repay an international transaction amount in order to avoid the Foreign
Transaction Fee.

Termination or Changes. The Credit Union may terminate this Agreement at any time subject to such notice as may be required by applicable
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law. You may terminate this Agreement, by written notice, as to future advances at any time. Termination by either party shall not affect your obligation to
repay any payments made for your account resulting from use of the Card as well as INTEREST CHARGES and other related charges. The Credit Union
may add to, change, or delete the terms of this Agreement, including the method of calculating the periodic rate, at any time subject to such notice as may
be required by applicable law. If you use your Card or account to make a purchase or cash advance after having been given notice of a change in terms,
you agree that the existing balance in your account at the time of that use will be subject to the new terms, as shall subsequent uses, to the extent permitted
by law.

Credit  Information.  You  authorize  the  Credit  Union  to  investigate  your  credit  standing  and  employment  history  when  opening  or  reviewing
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your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit
standing.

Notification Address for Information Reported to Consumer Reporting Agencies. We may report the status and payment history of your
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Notification Address for Information Reported to Consumer Reporting Agencies. We may report the status and payment history of your
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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
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 Shell Federal Credit Union, P.O. Box 578, Deer Park, Texas 77536. Please include your name, address, home telephone number and account number, 
at Shell Federal Credit Union, P.O. Box 578, Deer Park, Texas 77536. Please include your name, address, home telephone number and account number, 
and identify the information you believe is incorrect. If your notification relates to an incident of identity theft, we will require a copy of your identity theft report
and identify the information you believe is incorrect. If your notification relates to an incident of identity theft, we will require a copy of your identity theft report
filed with law enforcement authorities.
filed with law enforcement authorities.

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to give us prompt notice of any change in your name, mailing address, telephone number or place of employment.

Statements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. You agree

Copy  Received.  By  using  the  Card  or  the  account,  you  agree  to  all  the  terms  and  conditions  and  promise  to  perform  all  the  obligations,
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requirements, and duties contained in this Agreement, and if you signed the Credit Card Application, you acknowledge that you have received a copy of
this Agreement.

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from it. However, you also agree that should any part of the Agreement be found invalid, it will in no way affect the remainder of the Agreement.

Additional Provisions. Each provision of this Agreement must be considered as part of the total Agreement and cannot, in any way, be severed

{00221605 DOC}Rev. 05/2015

You understand the validity, construction, and enforcement of this Agreement shall be governed by the laws of the State of Texas and federal law. Use 
of your Card is also subject to the policies and rules of MasterCard International, as applicable and in effect from time to time, which do not conflict with 
the terms of this Agreement. The Credit Union does 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 the Credit Union is not responsible for refusal of any 
merchant or financial institution to honor your Card. We can accept late payments or partial payments or checks or money orders marked “payment in full” 
without losing any of our rights under this Agreement. We can also delay enforcing any of our rights under this Agreement without losing them.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What to Do if You Find a Mistake on Your Statement

If you think there is an error on your statement, write to us at:

Shell Federal Credit Union P.O. Box 578, Deer Park, TX 77536

In your letter, give us the following information:

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Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error 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 your statement.
•

At least 3 business days before an automated payment 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 Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell 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:

The charge in question may remain on your statement, and we may continue to charge you interest on that amount.

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
•
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•
•

If we made a mistake: You will not have to pay the 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 applicable 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.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights if You are Dissatisfied with Your Credit Card Purchases

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:
Shell Federal Credit Union P.O. Box 578, Deer Park, TX 77536

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.

{00221605 DOC}Rev. 05/2015

Shell Federal Credit Union 
Important Account Terms 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances and 
Balance Transfers 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Federal Reserve Board 

Fees 
Annual Fee 
Transaction Fees 

 Balance Transfer

 Cash Advance
 Foreign Transaction

Penalty Fees 

 Late Payment
 Returned Payment

2.99% introductory APR for the first twelve months
After that, your APR will be based on your credit worthiness. 
The variable APR will vary with the market based on the 
Prime Rate, and will not exceed 17.99% (Standard Rate)

2.99% introductory APR for the first twelve months 

After that, your APR will be based on your credit worthiness. 
The variable APR will vary with the market based on the 
Prime Rate, and will not exceed 17.99% (Standard Rate). 

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. 
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 

$0* $45** 

$0 
$0 
Up to 1% of each transaction in U.S. dollars 

Up to $25 
Up to $25 

*$0 Annual Fee only applies to variable-rate credit cards. 
** 45 Annual Fee only applies to accounts with a 17.99% APR. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the enclosed Credit Card Agreement. 

As  provided  in  the  Credit  Card  Agreement,  after  your  account  has  been  open  for  one  year,  we  may 
additionally adjust your Standard Rate for all advances based on a periodic review of your credit standing. 
The  purchases  Standard  Rate  will  range  from  a  rate  equal  to  the  Index  plus  a  Purchases  Base  Rate  of 
3.75%  to  10.75%.    The  cash  advances  Standard  Rate  will  range  from  a  rate  equal  to  the  Index  plus  a 
Cash  Advances  Base  Rate  of  4.75%  to  11.75%.  Standard  Rate  Daily  Periodic  Rate  will  not  exceed 
0.049288%  (17.99  ANNUAL  PERCENTAGE  RATE);  and  the  cash  advances  Standard  Rate  Daily 
Periodic Rate will not exceed 0.49288% (17.99% ANNUAL PERCENTAGE RATE).  Rates may change in 
the future due to changes in the Index.    In  addition,  when  periodically  reviewing  your  credit  standing,  we 
also  may  choose  to  convert  the Standard  Rate  for  all  advances  from  a  variable  rate  to  a  non-variable 
Daily Periodic Rate of 0.049288% (17.99% ANNUAL PERCENTAGE RATE).  

The  information  about  the  costs  of  the  card  described  in  this  application  is  accurate  as  of  01/2016. 
This information may have changed after that date. To find out what may have changed, write to us at  
Shell Federal Credit Union, P.O. Box 578, Deer Park, TX 77536. 

{00221890.DOC}