Account Opening Disclosures
Supplement to Credit Card Agreement for Cash  Rewards  Platinum VISA  Accounts
Education  Credit  Union

lnterest  Rates and lnterest  Charges
Annual  Percentage  Rate (APR)
for "Purchases  or Balance
Transfer Standard  Rate"
APR for  Cash Advances
Penalty  APR and When it Applies

Paying lnterest

For Credit  Card Tips  from  the
Consumer  Financial  Protection
Bu reau

lnterest  Rates and lnterest  Charges
Annual  Fee
Transactions  Fees
. Cash Advance

Foreign  Transaction

Penalty Fees
. Late  Payment
. Returned Payment

This  APR will  vary  with  the  market  based  on the  Prime  Rate

17.75%

17.75%

This  APR may  be applied  to all advances  for your  account  if you

1)  Make  a late payment

How  Long Will  the Penalty  APR  Apply?:  lf yourAPR is
increased  for this reason,  the Penalty APR  will  apply  until you
make  six consecutive minimum  payments  when  due.

Your  due date is at least  25 days  after  the close  of each billing  cycle.
We will not charge  you interest  on purchases  if you pay your  entire
balance  by  the due  date  each month.  We will begin  charging  interest  on
cash  advances  and  balance  transfers  on the  transaction  date
To  learn  more about  factors  to consider  when  applying  for or using  a credit
card,  visit  the website  of the Consumer Financial  Protectlon  Bureau at
http://www.consumerfinance.gov/learnmore

None

Either  $5 or 2% of each  cash  advance,  whichever  is greater  (maximum  fee:  $25)

Up  to 1% of each transaction in U.S dollars

Up  to S20

Up  to $20

How We Will Calculate  Your Balance:  We  use a method  called  "average  daily balance  (including  new  purchases)."  See  below
for more details.

Billing  Rights:  lnformatron  on your rights to dispute  transactrons  and  how to exercise  those rights  is provided  below

COST  OF  CREDIT:  You  will pay  an lnterest  CHARGE  for  all advances  made  against  yourAccount.  Interest CHARGES  for cash  advances  and  balance
transfers begin  to accrue  on the  date  of the  advance New  purchases  will  not  incur an lnterest  C HARGE  on the  date  they  are  posted  to  you  r Account if you  have
paid the Account  in full  by lhe  Payment  Due  Date  shown  on your  previous  monthly  statemenl, or if there  was no previous  balance

Truth in Lending  Disclosures

transfers, the  daily periodic  rate is 

For cash  advances,  the  daily periodic  rate  is 048630%  (17  75% ANNUAL  PERCENTAGE  RATE)  The  ANNUAL  PERCENTAGE  RATE  lor cash  advances  is
non-vanable  For purchases  and  balanc€ 
PERCENTAGE  RATE  for purchases  (including  balance  transfers)  is variable  and  may  increase L,nless an lntroductory rate  is in effect,  the  periodic rate  used to
cornpute  the inlerest  charge  for  purchases  rs based  on an index  (the  "lndex"), which is the  Prime  Rate  as  published  in lhe  l\4oney  Rales  section  ofThe wall
Street  Journal  on lhe  last  business  day  of  the  monlh and  is subjecl to change  monthly  on the  flrst  day  of each  monlh Any  cha  nge  in the lndex  will  be effective  on
the  first  day  of  the  billing  cycle  thal ends  on or after  the  date  of  the  change  An increase  in the  lndex  will result  in an increase  in the  daily  periodic  rate,  which  in
turn,  may  result in higher  payments  We will add  a margin  of 10 950 to the  lndex  to determine  the  purchases ANNUAL  PERCENTAGE  RATE  The  purchases
ANNUAL  PERCENTAGE  RATE  is subject  to change  in the  future based  on changes  in lhe lndex The  daily  periodic rate for  purchases  will  never  be greater
than  048630%  17 75%  ANNUAL  PERCENTAGE  RATE)  TheANNUAL  PERCENTAGE  RATES  set forth inthisparagraph  are  referred  to as the  "Standard
Rates'

ANNUAL  PERCENTAGE  RATE)  The  ANNUAL

( 

ln  addrtron  to the  vanabie-rate aspects  of  the Account  for  purchases,  the  ANNUAL  PERCENTAGE  RATE  for purchases is also based  on certain  creditworthiness
cntena  After  yourAccount  has  been  open  for  at least  one  year, we may  review  your creditworthiness  from  time  to trme including  when  you  request  a credit  limit
increase,  and  adj!rsl  your  Slandard Rate daily periodic rale  and  cofiesponding ANNUAL  PERCENTAGE  RATE  for purchases  by  nolifying  you  in accordanc€  with
applicable  law  lf your  Standard Rate ANNUAL  PERCENTAGE  RATE  for purchases  is adjusted  based  on your  creditlvorthiness,  the  margin  used for calculating
rate  changes  due  to changes in the  lndex  will  be adjusted  Any AN  N UAL  PERC  ENTAGE  RATE  changes  lo your Accou  nt  d ue to changes  in you  r
cred(worthlness  will  only  affect  new purchase  ba ances  beginning  on the  effective  date  of  the  changei existing  p!rchase  balances  will  continue  to be subject  to
the  ANNUAL  PERCENTAGE  RATE n efrect  before  lhe date of  lhe change  unti  those balances  are  paid  in full

lf al any  lrme  a requrred  mrnrmum  payment  is three  or more  brlling cycles  past  due,  lhe ANNUAL  PERCENTAGE  RATE  for all advances  may  be increased  to a
Pena ly Rate  daily  periodic rate of 048630%o  (17  75% ANNUAL  PERCENTAGE  RATE)  After  the  Penalty  Rale  becomes  effective,  it will  apply  both  to current  and
new  balances  and  it may  remain  in effect  indefinilely  lf your  minimum  payments  are  made  as  required  for  six consecutive  months  starting  on or after  the  first
payment  due  following  the  Penalty  Rate  effective  date  the  Slandard Rales for  your Account  will  be restored

A portion  of  the INTEREST  CHARGE is delermined by  applying  the  applicable  daily periodic  rate  lo the Average Oaily  Balance  of  your  Account  for each  feature
category,  including  certain  current  transactions  Feature  categories rnclude purchases  balance  transfers,  and  cash  advanc€s.  TheAverage  Daily  Balance  is
arrived  at by taking  the  beginning  balance  of each  feature  category  each  day  and adding any  new kansactrons  to the  balanc€,  except  if you  have  paid  your
Account in full  by the Payment  Due  Date shown on the  previous  monlhly stalement or there  is no previous  balance,  new  purchases  are  not  added  to the
purchases  balance Balance  translers  may  be shown  on your  statement in the  Promotions  feature  category  Wlen determining  balances,  we  may  combine
feature  category balances  that  have the  same  periodic rate  and  other INTEREST  CHARGE  te.ms  We then  sublracl  any  payments  or credits  and  unpaid
INTEREST  CHARGES  allocated  to the  feature  category  balance  for the  day.  This  gives  us the  daily balanc€ 
feature  category  are  then  added  together and  divided  by the number  of  days  in the  billing  cycle The result  is the  Average Daily  Bala  nce  for each  feature
calegory  The periodic  INTEREST  CHARGE is determined  by  multiplying  each  feature  category  Average Daily  Balance  by the  number  ol days  in the  billing  rycle
and  applying  the  applicable  daily penodic  rate  to the  producl  The  tolal  INTEREST  CHARGE for each  statement period  is lhe sum  of the  periodic  INTEREST
CHARGES  for  each  fealure category  plus  any  non-periodic  INTEREST  CHARGES

for the  feature  c€tegory  The  daily  balances  for each

No  addrtional  INTERESI  CHARGES  will be imposed  on new  purchases  shown  on your  statement  if lhe  New  Balance  shown  on the  statement  is paid  in frrll  by
the Payment  Due  Date  reflected  on the  statement  The Payment  Due  Date  is not  less than 25 days  from  the  billing  cycle  closing  date  shown  on your  statement

LATE PAYMENT  FEE:  lf we do not  receive  your requrred  Minimum  Payment  wlthin  10 days  of  the  Payment Due Date,  you  may  be charged  a Late  Payment  Fee
of S20  or an amount  equal  to the  lVinimum  Payment  due,  whichever  is  less

LN  CREOT  CARO  DISCLOSURE  CR  REVISED  07103/2017

RETURN
amount  e 
payment 

ment  made  on yourAccount  rs relurneri rrnpaid  for any  reason,  yoi, wr  be charged  a Returned  payment Fee  o. the
Paymenl' whjchever rs less.  The  Returned  Pa6"ii i,]"  riir]'ljrliv iii"i"riffi.n"n,  ," ,"turned  to us. even  if  rhe

CASH  ADVANCE  FEE:  g5 or 2%  of each  cash  advance  whichever is greater  with a maximum  fee  of g25

OTHER FEES:

Ez Pay  (telephone  assisted  expedited  payment  service):  S1O per  paymenl
Replacement  Card  Fee:  g7  SO

Convenience Check  Fees

Stop  Payment:
Copy  ofCheckj
Non-Sufiicient Funds  (insufficient  credit timit)

$20  per check
$20  per  check
S20  per  return

Foreign  Transaction  Fee:  Up to  j %  of the  transaction  amount in U.S dollars

NOW NO

OF

T US
FUTU RE
TIS A
NOER THts

R

I NTEREST

ALL

THE

OF

its

vidu al

grven as secu rity ate not
ADDITIONAL  SECURtTy:  tf you  have  other Ioans  with  us
unde. this Agroement. plea
Agreement and  other agree

se  read any  securitv
ments  you  have wiih US

to the

you afe s
, now  or in the future
agreement  you sign  in order

specialtax

under  state oa federa

, collateral securin g those  loans  may
to determine if the

collateral  also  sei: ures  your  obligations

also secure  your  obli gatlons

under  this

Your  Billing  Rrghts:  Keep  this Document  for  Future  Use
This  notice  tells  you about your  rights  and  our  responsibitities  under  the  Fair  Credjt  Billing  Acl
Mal to  Do  if you  Find  a Mistake  on yout  Statement
lf you  think  there is an error  on your  statement,  write  to us  at:
Education  Credit Union
c/o  Card  Processing  Center
PO.  Box  815909
Oallas,  TX  75381

ln your  letter  give  us the fo owing  informatron:

.  Acco 
. 
D_o a 
.  Desc 
You must  contact  us:

me  and  account  number
ount  of tne suspeaeJeiror
thjnk  the,e ia;;;;;;r;n;ur  statement,  describe  what

you  believe  is wrong and why  you  believe  it is a mistake

W,lhin 60 days  atler the  error  appeared  on your  slatemenl.
At least  3 bustness  days  before  an automated  paymenl is scheduled , if you  want  lo stop  payment  on the  amount  you think  is wrong

Yo!  musl  notify  us of any  polential erors /, uvrtng  you may  call  us
have  to pay  the  amounl in question

but  if you  do we are  not  required  to investigale  any  potential  errors  and  you  may

What  VVi Happen  Aftet  We Receive  your Letter

When  we receive  your  letter, we must  do two  thingsi

l  withrn  30 davs  of recervind  your  letter'  we must  tell you  that  we received  your,retter.  we  wifl  arso te you we have  akeady  correctecrhe  error
2' wthrn  go dais o' recervini  your  letter, we .rii 
Whiie  we investigate  whether  or not there has  been  an error

",fl,1,i "",."i'  r""Jror  or exprarn  to you  why  we  berieve  your  starement  is correct

.  We 
.  The 
:  W: 

the amou 
mav  rerna 
fliHJffi, 

After  we finish  our  investigation,  one  of two  things  will  happen:

as  delinquent  on that  amount.
e may  Jn|nue  to charge  you  tnterest  on that  amount
lJlil'['o'"'o.*".u-:'iii*"iv",,i,r""*]

. 
. 

If we made  a nislaker you wi 
t we do not beheve  there was- 
statemenl of  the  amounl  you o 
lf you 
do so, 
whom 
lf we do not follow all of the  rules  above,  you  do nol have to pay  the  first  $50  of the  amount  you  question  even if your  bill  is correci.

"i 
must wrile  to us within  70
,: ::::l:'- ':-i:^::,11i.i1 
1"":lTl""i,li"?,J,#:lT 

unt  in queslion or any  interest  or other  fees  retated  to lhat amount.
to pay ihe-;mount,jn  quesl;on  atong with appticabte  interest  and  fees.  We  wrll  senct  vou  a
tisoi,e  we miy tren  ."pon yo, 
Jurin!'rlii,t  y,", 

believe  your 
but 
s derinquenr wirhout 
nquenr,  and  we mus 

irr  reruse  ro  pay. tf you

",;;;i;;;;;" i,;-'

prv ,he  amou  nt we  thr;k  you  owe

'i" 

"ot 

.still 

Your  Rights if you  are  Dissatisfied  wilh  your Crcdit  Card purchases
lf you  are  dlssatisfied  wrth  the  qoocls or services  lhal  you  have  purchased  with  your. credrt card  and  you  have  rned  rn good  ta h to correct  rhe probrem  with  the
merchant'  vou  mav  have  the  asht  not  to pav tn" ,u-r',".f i-J*ijr"  iir," Jir'"rr.". ro Lse  this righr,  a,t  or tne roiio*ing  must  be kue.
1' The  purchase  must  have  been  made in your home  stale orwithin  1oo  mires ofyour currenr  mairing address and  the  purchase  pric€  must  have  been  more
ll3i::3. 
;;;,'ol,fiu  o*n ,n" -.pany that  sord  you
:J;J"lHt"x?l"r:ffi'-  vour  credit  card  for  the purchase Purchases  made  with  cash  advances  from  an ATM  or with  a check  that  accesses  your  credit  card
3 You musl not  yet have  fu lly paid for  the  pu  rchase lf allof  the  criteria  abovearemetand  you  are stilldissatisfied  with  the  purchase,  c onlacl us in wiling af:

(}:j:#tJer  or these  are  necess"'v it vo,,  p,icr,a"e ,i" i"'"J-o.i"i 

"ar"n,r";;;;;;il;; 

Education  Credit Unton
c/o  Card  Processtng  Center
PO.  Box  815909
Dallas.  TX 75381

.U[fl. i".jfill*  J,I,::ii"-:fi  :15']J;  l;#iB:f'-xT."#]$#"r"J;::.#il:",lner  we  nnish  ou,nvesrrsation,  we wi,r  te,, you  oJ, dec,sion
LN.CREO]T-CARD.DISCLOSURE-CR  REVISEO  O//03/2017

At  that