M-125220	In	these	Terms	and	Conditions,	the	word	Card	means	a	single	Gold	card	or	two	or	more	Gold	cards	and	any	renewal	or	any	substitutes	used	for	the	
Card.	The	words	You,	Your,	and	Yours	mean	the	applicant(s)	and	anyone	else	the	applicant(s)	permits	to	use	the	Card.	The	words	We,	Us,	and	Ours	
mean	General	Electric	Credit	Union	(GECU).
1. Transactions. 	You	can	use	Your	Card	to	buy	or	lease	goods	or	services	(�Purchases�)	wherever	the	Card	is	honored	and	to	get	instant	cash	loans	
and	make	other	cash	transactions	(�Cash	Advances�)	from	any	financial	institution	or	automatic	teller	machine	(card	only)	that	accepts	the	Card.	
You	will	owe	Us	for	all	Purchases	and	Cash	Advances	charged	by	use	of	the	Card	plus	any	other	charges	to	Your	Account	made	under	the	terms	
of	this	Agreement	(�Debits�),	plus	any	FINANCE	CHARGES,	all	payable	in	U.S.	dollars	and	as	required	by	these	Terms	and	Conditions.
2.  Credit Line. 	Your	Credit	Line	is	listed	on	the	documents	accompanying	Your	Card.	Your	Credit	Line	may	be	changed	and	Your	latest	Credit	Line	will	
be	listed	on	Your	monthly	billing	statement.	
3.  Statements and Payments. 	If	You	have	a	balance	on	Your	Account,	We	will	send	You	a	monthly	statement	that	will	show	separately	
Your	Purchases/	Debits,	any	Cash	Advances,	FINANCE	CHARGES,	if	any,	the	minimum	payment	due,	and	the	date	the	payment	is	due.	  
Minimum	Payment	-	You	may	pay	all	or	a	part	of	your	Account	balance	at	any	time.	You	must	pay	at	least	the	Minimum	Payment	Due	by	the	
payment	due	date	each	Billing	Period.	Your	Minimum	Payment	Due	equals:
� Any	amount	past	due;	plus
� The	greater	of:
 �The	New	Balance,	if	it�s	less	than	$25;
 �$25	if	the	New	Balance	is	at	least	$25;
 �1.5%	of	the	New	Balance.
The	Minimum	Payment	Due	is	never	more	than	the	New	Balance.
4.  ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, and Cash Advances. 	The	ANNUAL	PERCENTAGE	RATE	may	vary	(increase	or	
decrease)	on	a	quarterly	basis.	The	rate	is	determined	by	adding	Our	margin	to	the	Prime	Rate	as	published	in	 The Wall Street Journal 	effective	for	
the	first	day	of	January,	April,	July,	and	October	of	every	year.	The	new	rate	shall	be	effective	beginning	with	the	FINANCE	CHARGE	calculation	on	
the	following	month�s	statement	and	will	apply	to	new	Purchases,	Balance	Transfers,	and	Cash	Advances,	and	to	the	outstanding	balance	of	Your	
Account.	The	monthly	periodic	rate	will	be	determined	by	dividing	the	ANNUAL	PERCENTAGE	RATE	by	twelve.	Your	initial	ANNUAL	PERCENTAGE	
RATE	and	corresponding	monthly	periodic	rate	is	located	within	the	�Interest	Rate	and	Interest	Charges�	box	of	these	Terms	and	Conditions.	An	
increase	in	the	variable	ANNUAL	PERCENTAGE	RATE	means	You	will	pay	a	higher	FINANCE	CHARGE	and	perhaps	a	higher	minimum	payment.	The	
rate	on	Your	card	will	not	exceed	18%	ANNUAL	PERCENTAGE	RATE.
5.  Introductory ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers. 0%	Introductory	Annual	Percentage	Rate	on	Purchases	and	
Balance	Transfers	for	the	first	12	months	on	purchases	and	balance	transfers	made	in	the	first	60-days	after	the	account	is	opened.	Existing	GECU	
credit	card/loan	balances	are	not	eligible	for	the	introductory	ANNUAL	PERCENTAGE	RATE.	After	the	Introductory	Period,	the	APR	will	adjust	to	
the	current	APR	for	purchases	and	balance	transfers.	Your	initial	ANNUAL	PERCENTAGE	RATE	and	corresponding	monthly	periodic	rate	is	located	
within	the	�Interest	Rate	and	Interest	Charges�	box	of	these	Terms	and	Conditions.	
6.		Penalty ANNUAL PERCENTAGE RATE. 	If	Your	minimum	required	payment	is	more	than	60	days	late	at	any	time	We	may	increase	the	ANNUAL	
PERCENTAGE	RATE	on	Your	account	to	18.00%	(Monthly	Periodic	Rate	1.5%)	and	apply	this	increased	18.00%	APR	Penalty	Rate	to	Your	entire	
account	balance	and	to	any	new	and	future	purchases	and	advances.	Before	We	apply	the	Penalty	APR	to	Your	account,	We	will	first	provide	You	
with	written	notice	of	the	increase	at	least	45	days	prior	to	the	effective	date	of	the	increase.	If	We	apply	the	Penalty	APR	to	Your	account	and	You	
make	Your	payments	on	time	for	the	six	(6)	consecutive	months	following	the	effective	date	of	the	increase,	without	an	account	violation,	Your	
ANNUAL	PERCENTAGE	RATE	(APR)	will	be	lowered	to	the	current	card,	non-penalty	ANNUAL	PERCENTAGE	RATE.
7.  FINANCE CHARGES on Purchases/Debits. No	FINANCE	CHARGE	will	be	imposed	if	the	New	Balance	shown	on	Your	billing	statement	is	paid	in	full	
within	25	days	of	the	Billing	Date.	If	not	paid	in	full,	We	figure	the	FINANCE	CHARGE	on	Your	account	by	applying	the	monthly	periodic	rate	to	the	
�average	daily	balance�	of	the	unpaid	balance	of	Your	account	(including	current	transactions).	
8.		FINANCE CHARGES on Cash Advances. 	The	FINANCE	CHARGE	on	Cash	Advances	begins	to	accrue	on	the	date	You	obtain	the	Cash	Advance	or	the	
first	day	of	the	billing	cycle	in	which	it	is	posted	to	Your	account,	whichever	is	later.	We	figure	the	FINANCE	CHARGE	on	Your	account	by	applying	
the	monthly	periodic	rate	to	the	�average	daily	balance�	of	Your	account	(including	current	transactions).
9.  Average Daily Balance. 	The	�average	daily	balance�	is	determined	by	dividing	the	sum	of	the	daily	balances	during	the	billing	cycle	by	the	number	
of	days	in	the	cycle.	Each	daily	balance	of	Credit	Purchases	(and,	if	applicable,	Cash	Advances)	is	determined	by	subtracting	from	the	Previous	
Balance	of	Credit	Purchases	(and,	if	applicable,	Cash	Advances)	any	payments	received	and	credits	as	posted	to	Your	account,	but	excluding	any	
unpaid	FINANCE	CHARGES.	All	fees	except	for	the	late	charge	shall	be	treated	as	purchases	for	the	purpose	of	computing	the	Average	Daily	Balance.
10.  Annual Fee. 	None.
11.  Late, Returned Check, and Other Fees. You	will	be	charged	a	late	charge	of	$25.00	or	the	minimum	payment	amount	(whichever	is	lesser)	on	
Your	next	monthly	statement	if	a	minimum	payment	is	not	made	within	55	days	after	the	date	of	a	monthly	statement.	If	Your	check	is	dishonored	
or	if	We	must	return	Your	check	to	You	for	any	reason,	We	will	charge	Your	Purchases/Debits	Account	a	fee	of	$25.00.	Account	printouts	$1.00.	
Current	and	previous	year	statement	copy	fee	$2.00.	Older	statement	copy	fee 	$3.00.	Overnight	fee	$35.00.
12.  Balance Transfer and Cash Advance Fees. 	There	will	be	a	fee	of	$3.00	or	2%	of	the	amount,	whichever	is	greater	charged	for	each	transfer	or	
advance.
13.  Default.	You	will	be	in	default	under	this	Agreement	if	any	of	the	following	events	shall	occur:	(a)	If	You	fail	to	comply	with	the	minimum	payment	
or	any	other	terms	or	conditions	of	this	Agreement	or	any	other	obligation	You	have	or	will	have	with	Us	(for	late	payment	see	also	�Penalty	APR�);	
	 (b)	If	You	make	false	or	misleading	statements	in	any	credit	application	or	update	of	credit	information;	(c)	If	You	should	die	or	become	insolvent;	
(d)	If	a	petition	should	be	filed	or	other	proceedings	should	be	started	under	the	Federal	Bankruptcy	Code	or	any	State	insolvency	statute	by	or	
against	You;	(e)	If	a	Receiver	should	be	appointed	or	a	writ	or	order	of	attachment,	levy	or	garnishment	should	be	issued	against	You	or	any	of	
Your	property,	assets	or	income;	or	(f)	If	We	should	consider	Yourself	or	any	debts	due	under	this	Agreement	unsafe	or	not	completely	secure	of	if	
We	should	believe,	in	good	faith,	that	the	chances	of	Your	paying	or	performing	all	of	Your	obligations	under	this	Agreement	have	been	impaired.	
If	You	fail	to	fulfill	the	terms	of	this	Agreement,	a	negative	report	reflecting	on	Your	credit	record	may	be	submitted	to	a	credit	reporting	agency.	
We	may	ask	for	immediate	payment	of	any	amount	owed	if	You	are	in	default	of	any	of	the	Terms	and	Conditions	of	this	agreement.
14.  Lost or Stolen Cards. 	If	Your	Card	is	lost	or	stolen	or	if	You	are	afraid	someone	may	use	it	without	Your	permission,	You	must	notify	Us	at	once	by	
telephone	at:	513.243.4328	or	800.542.7093.	You	may	not	use	the	Card	or	any	other	Cards	in	Your	possession	with	the	same	card	number	after	
You	have	notified	Us,	even	if	You	get	the	Card	back.
15.  Cancellation. 	You	may	cancel	Your	account	at	any	time	by	notifying	Us	in	writing	and	returning	the	card	cut	in	half.	We	may	cancel	or	suspend	
Your	Card	at	any	time	without	prior	notice	or	reissue	a	different	one	at	any	time.	If	We	ask,	You	will	destroy	the	Card	by	cutting	it	in	half	and	will	
give	it	to	Us	or	Our	agent,	or	mail	it	to	Us.	If	the	Card	is	cancelled	or	suspended,	You	will	pay	Us	the	amount	You	owe	as	required	by	these	Terms	
and	Conditions.	
16.		Liability.	Each	of	the	applicant(s)	for	the	Card	and	cosigner(s)	will	be	liable	individually	and	jointly	for	all	Purchases/Debits	and	Cash	Advances	
made	with	the	Card,	either	by	the	Card	applicant(s)	or	their	authorized	user(s).	
17.  Liability for Unauthorized Use. 	You	agree	to	promptly	notify	the	Cardholder	Services,	telephone	number:	513.243.4328	or	800.542.7093	in	the	
event	You	suspect	any	unauthorized	use	of	the	card.	You	may	be	liable	for	the	unauthorized	use	of	Your	Gold	Credit	Card.	You	will	not	be	liable	for	
unauthorized	use	that	occurs	after	You	notify	General	Electric	Credit	Union	at	PO	Box	31112,	Tampa,	FL	33631-3112,	orally	or	in	writing,	of	the	
loss,	theft,	or	possible	unauthorized	use.	In	any	case,	Your	liability	will	not	exceed	$0.00.
18.		Irregular Payments. 	We	can	accept	late	payments	or	partial	payments,	or	checks	and	money	orders	marked	with	�Payment	in	Full�	or	similar	
language	without	losing	any	of	Our	rights	under	this	Agreement.General Electric Credit Union 
Gold Card Terms & Conditions 19.  Waiver.	We	won�t	be	considered	to	have	waived	Our	rights	under	this	agreement	if	We	delay	or	neglect	to	enforce	them.
20.  Amendment. 	Subject	to	applicable	state	and	federal	laws	and	regulations	and	with	such	prior	notice,	if	any,	as	may	be	required	by	laws	or	regulations,	
We	may	change	any	Terms	and	Conditions	at	any	time	and	such	changes,	at	Our	option,	will	apply	to	new	Purchases/Debits	and	Cash	Advances.
21.  Law.	Your	Account	and	these	Terms	and	Conditions	will	be	governed	by	the	laws	of	the	State	of	Ohio	and	applicable	federal	laws.
22.  Security Interest. 	You	grant	to	Us	a	purchase	money	security	interest	under	the	Uniform	Commercial	Code	in	any	goods	You	purchase	through	
the	use	of	the	account.	If	You	default,	We	shall	have	the	right	to	recover	any	of	the	goods	which	have	not	been	paid	for	through	the	application	of	
Your	payments.	Any	collateral	securing	other	loans	currently	with	or	hereafter	arising	with	Us	may	also	secure 	any	amount	due	on	this	account.
23.  Statutory lien on Your account. 	If	You	are	in	default	on	a	financial	obligation	to	Us	or	fail	to	satisfy	a	financial	obligation	to	Us,	federal	law	permits	
Us	to	apply	the	balance	of	shares	and	dividends	in	Your	account(s)	at	the	time	of	default	to	satisfy	Your	obligation.	Once	You	are	in	default,	We	
may	exercise	this	right	without	further	notice	to	You.	If	Your	account	is	jointly	owned,	and	the	joint	owner(s)	is	indebted	to	Us,	We	may	use	the	
balance	of	shares	and	dividends	in	the	account	to	pay	the	debt	of	the	joint	owner.	This	statutory	lien	does	not	apply	to	IRAs	or	other	tax-deferred	
retirement	accounts.
24.  Legal Activity. 	Any	financial	service	provided	by	the	Credit	Union	may	be	used	for	any	transaction	permitted	by	law.	You	agree	that	illegal	use	f	any	
financial	service	will	be	deemed	an	action	of	default	and/or	breach	of	contract	and	such	service	and/or	other	related	services	may	be	terminated	at	
the	Credit	Union�s	discretion.	You	further	agree,	should	illegal	use	occur,	to	waive	the	right	to	sue	the	Credit	Union	for	such	illegal	activity	directly	
or	indirectly	related	to	it.	You	also	agree	to	indemnify	and	hold	the	Credit	Union	harmless	from	any	suits	or	other	legal	action	or	liability,	directly	
or	indirectly,	resulting	from	such	illegal	use.
25.  Foreign Transaction Fee. 	Purchase	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	USA.	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	and	a	half	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.
26.	Military Lending Act.  Federal	law	provides	important	protections	to	members	of	the	Armed	Forces	and	their	dependents	relating	to	extensions	
of	consumer	credit.	In	general,	the	cost	of	consumer	credit	to	a	member	of	the	Armed	Forces	and	his	or	her	dependent	may	not	exceed	an	annual	
percentage	rate	of	36	percent.	This	rate	must	include,	as	applicable	to	the	credit	transaction	or	account:	The	costs	associated	with	credit	insurance	
premiums;	fees	for	ancillary	products	sold	in	connection	with	the	credit	transaction;	any	application	fee	charged	(other	than	certain	application	fees	
for	specified	credit	transactions	or	accounts);	and	any	participation	fee	charged	(other	than	certain	participation	fees	for	a	credit	card	account).	
If	you	would	like	an	explanation	of	your	payment	obligation,	please	contact	a	Consumer	Loan	Officer	at:	800.542.7093.
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:
1. Your	name	and	account	number.
2. The	dollar	amount	of	the	suspected	error.
3. 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	savings	or	checking	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	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	bill	that	are	
not	in	question.	If	We	find	that	We	made	a	mistake	on	Your	bill,	You	will	not	have	to	pay	finance	charges	related	to	any	questioned	amount.	If	We	
didn�t	make	a	mistake,	You	may	have	to	pay	finances	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	ten	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	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	collect	the	
first	$50	of	the	questioned	amount,	even	if	Your	bill	was	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	the	address	shown	on	Your	statement.	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.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, 
national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the 
applicant�s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer 
Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the National Credit Union 
Administration, 7000 Central Parkway, Suite 1600, Atlanta, GA 30328. The Ohio, Kentucky, and Indiana Laws against discrimination require that 
all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on 
each individual upon request. The Ohio, Kentucky, and Indiana Civil Rights Commissions administer compliance with this law. California Residents:  
Applicants	1)	may,	after	credit	approval,	use	the	credit	card	account	up	to	its	credit	limit;	2)	may	be	liable	for	amounts	extended	under	the	plan	to	
any	joint	applicant.	As	required	by	law,	You	are	hereby	notified	that	a	negative	credit	report	reflecting	on	Your	credit	record	may	be	submitted	to	
a	credit	reporting	agency	if	You	fail	to	fulfill	the	terms	of	Your	credit	obligations.	 New York and Vermont Residents: 	GECU	may	obtain	at	any	time	
Your	credit	reports,	for	any	legitimate	purpose	associated	with	the	account	or	the	application	or	request	for	an	account,	including	but	not	limited	to	
reviewing,	modifying,	renewing	and	collecting	on	Your	account.	On	Your	request,	You	will	be	informed	if	such	a	report	was	ordered.	If	so,	You	will	be	
given	the	name	and	address	of	the	consumer	reporting	agency	furnishing	the	report.	New	York	residents	may	contact	the	New	York	State	Banking	
Department	(1-800-518-8866)	for	a	comparative	list	of	credit	card	rates,	fees	and	grace	periods.	 Married Wisconsin Residents: 	No	provision	of	any	
marital	property	agreement,	unilateral	statement,	or	court	order	applying	to	marital	property	will	adversely	affect	a	creditor�s	interests	unless	prior	to	
the	time	credit	is	granted,	the	creditor	is	furnished	with	a	copy	of	the	agreement,	statement	or	court	order,	or	has	actual	knowledge	of	the	provision. The	information	about	the	costs	of	the	card	described	in	this	application	is	accurate	as	of	April	1,	2018.	It	may	have	
changed	after	that	date.	To	find	out	about	what	may	have	changed,	call:	513.243.4328	or	800.542.7093	or	write:	
General	Electric	Credit	Union,	10485	Reading	Road,	Cincinnati,	Ohio		45241,	Attn:	EFT	Department.
CO/AB	3/18How We Will Calculate Your Balance: 	We	use	the	method	called	�Average	Daily	Balance	(including	new	purchases).�	
See	Your	Terms	and	Conditions	for	more	details.
Billing Rights: 	Information	on	Your	rights	to	dispute	transactions	and	how	to	exercise	those	rights	is	provided	in	Your	
Terms	and	Conditions.Annual Fees
Balance TransferNone.FEES
Transaction Fees
Either	 $3 or 2%	of	the	amount	of	each	transfer,	whichever	is	greater.
Cash Advance Either	 $3 or 2%	of	the	amount	of	each	cash	advance,	whichever	is	greater.
Foreign Transaction 1.5% of	each	transaction	in	U.S.	dollars.
Late PaymentPenalty Fees
$25.00 or the minimum payment amount (whichever is lesser) if	a	minimum	
payment	is	not	made	within	55	days	after	the	date	of	a	monthly	statement.
Returned Payment $25.00 Penalty APR and When 
it AppliesINTEREST RATE AND INTEREST CHARGES
0.00% 	Introductory	APR	for	the	first	12	months	on	purchases	made	in	the	first	  
60	days,	after	the	account	is	opened.	Annual Percentage Rate 
(APR) for Purchases
18.00%  APR* 
This	APR	may	be	applied	to	Your	account	if	Your	minimum	required	payment	is	more	
than	60	days	late	at	any	time.	Before	We	apply	the	Penalty	APR	to	Your	Visa	account,	
We	will	first	provide	You	with	written	notice	of	the	increase	at	least	45	days	prior	to	
the	effective	date	of	the	increase.	
How long will the penalty APR apply? 	If	We	apply	the	Penalty	APR	to	Your	Visa	
Account	and	You	make	Your	payments	on	time	for	the	six	(6)	consecutive	months	
following	the	effective	date	of	the	increase,	without	an	account	violation,	Your	APR	
will	be	lowered	to	the	current	card�s	non-penalty	APR.APR for Balance 
Transfers
APR for Cash Advances
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	and	balance	transfers	on	the	
transaction	date.
Minimum Interest 
ChargeIf	You	are	charged	Interest,	the	charge	will	be	no	less	than	$0.00.
For Credit Card Tips from 
the Consumer Financial 
Protection BureauTo	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.After	that,	Your	APR	will	be	 10.24%  to 16.24% 	APR	for	the	Gold	card,	
when	You	open	Your	account,	based	on	Your	credit	worthiness.	This	APR	will	vary	
with	the	market	based	on	the	Prime	Rate.
10.24%  to 16.24% 	APR	for	the	Gold	card,	when	You	open	Your	account,	
based	on	Your	credit	worthiness.	This	APR	will	vary	with	the	market	based	on	the	
Prime	Rate.0.00%  Introductory	APR	for	the	first	12	months	on	balance	transfers	made	in	the	
first	60	days,	after	the	account	is	opened.	
After	that,	Your	APR	will	be	 10.24%  to 16.24% 	APR	for	the	Gold	card,	
when	You	open	Your	account,	based	on	Your	credit	worthiness.	This	APR	will	vary	
with	the	market	based	on	the	Prime	Rate.
Loss of Introductory APR: 	We	may	end	Your	introductory	APR	and	apply	the	Penalty	APR	if	You	make	a	late	payment.*During	any	default	period,	Cash	Back	Rebates	will	not	be	rewarded.	The	Cash	Back	Rebate	will	be	reinstated	if	the	account	remains	occurrence	free	for	a	
period	of	six	straight	months.