2013 Conmar Systems, Peachtree City, GA  30269 � EFORM  19114 -2 Rev. 10/15  
  
Credit Card Agreement  and Disclosure  
INTEREST RATES AND INTEREST CHARGES  
ANNUAL PERCENTAGE RATE  
for Purchases  {} VISA  Secured   6.50%                                           
{} VISA Classic   8.90% � 18.00 % **  
ANNUAL PERCENTAGE RATE  
for Balance Transfers  {} VISA  Secured   2.90%  Promotional APR for 12 months. After that, your APR will be 6.50%                                           
{} VISA Classic 2.90%  Promotional APR for 12  months. After that, your APR will be  8.90% � 
18.00 % **  
ANNUAL PERCENTAGE RATE  
for Cash Advances  {} VISA  Secured   6.50%                                           
{} VISA Classic  8.90% � 18.00 % **  
How To Avoid Paying  
Interest on Payments  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.  
Minimum Interest Charge  If you are charged interest, the charge will be no l ess than $.50.  
For Credit Card Tips From  
the Consumer Financial Protection Bureau  To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov./learnmore  
FEES  
Set-up And Maintenance Fees  
Annual Fee   
NONE  
Transaction Fees  
Balance Transfer Fee  
Foreign Transaction Fees   
NONE  
1% of transaction amount/foreign  
Penalty Fees  
Late Payment  
Returned Payment   
Up to $25.00  
Up to $30.00  
How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases)�.  
See your agreement for more details.  
Billing Rights: Information on your rights to dispute transactions and how to exercise those ri ghts is provided in your agreement.       
**ANNUAL PERCENTAGE RATE is based on your credit history.  
 2013 Conmar Systems, Peachtree City, GA  30269 � EFORM  19114 -2 Rev. 10/15 In this Agreement the words "you" and "your" mean each and all of those who agree to be bound 
by this Agreement; "Card" means the VISA Credit Card and any duplicates, renewals, or 
substitutions FedEx Employees Credit Association issues to you; "Account" me ans your VISA 
Credit Card line of credit account with FedEx Emp loyees Credit Association, and whose name 
appears on this Agreement or anyone to whom FedEx Employees Credit Association transfers 
this Agreement.  
1. Using Your Account.  If you are approved for  an Account, FedEx Employees Credit 
Association will establish a line of credit for you and notify you of your credit limit . You agree 
that your credit  limit is the  maximum  amount  (purchases, cash  advances, finance charges, 
plus "other charges") that yo u will have outstanding on your Account at any time. Each payment 
you make to your Account will restore your credit limit by the amount of the payment, unless you 
are over your credit limit. If you are over your credit limit, you must pay the amount you ar e over 
before payments will begin to restore you r credit limit. You may request an increase in your 
credit limit only by a method acceptable to FedEx Employees Credit Association.  
FedEx Employees Credit Association has the right to reduce you r credit limi t, refuse to make an 
advance  and/or terminate your Account at any time for any reason not prohibited by law.  
2. Using the VISA Card.  You may use your Card to make purchases from merchants and others 
who accept VISA Cards. However, you may not use your Card  to initiate any type of electronic 
gambling transaction through the intern et. In addition,  you may obtain cash advances from 
FedEx Employees Credit Association and from other  financial institutio ns that accept VISA 
Cards, and from some automated teller ma chines Cirrus (ATMs), (Not all Cirrus ATMs accept 
VISA Cards.) To obtain cash advances from an Cirrus ATM, you must use the Personal 
Identification Number (PIN) that is issued to you for use with your Card. You may use your Visa 
Card to conduct any transac tion or obtain any FedEx Employees Credit Association service 
permitted by law. You agree that the use of the Visa Card to obtain a service or effect a 
transaction that is illegal under the law of any  jurisdiction where originated, effected or 
accomplished  will be a default and breach of this Agreement. We may terminate the access to 
the service or withdraw the right to use the Visa Card and/or demand the return of all Visa Cards 
or other access devices issued to you. If illegal use of your Visa Card occurs , you waive the 
right to sue us and  agree to indemnify and hold us  harmless from any suits or other legal action 
or liability which may be asserted, directly or indirectly , against us arising out of or resulting from 
the illegal use of the Visa Card.  
3. Responsibility.  You agree to pay all charges (purchases and cash advances) to your 
Account that are made by you or anyone whom you authorize to use your Account. You also 
agree to pay all finance charges and other char ges added to your Account under the term s of 
this Agreement or another agreement you  made with FedEx  Employees Credit Association. If 
this is a joint Account, Section 17 of this Agreement also applies to your Account.  
4. Finance Charges.  New purchases posted to your account during a billing cycl e will not incur 
a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that 
billing cycle or you paid the entire New Balance on the previous cycle�s billing statement by the 
Payment Due Date of t hat statement; othe rwise a finance charge will accrue from the date a 
purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire New Balance on the billing statement by the Payment Due 
Date of that statement . A finance charge begins to accrue on cash advances from the date you 
get the cash advance or from the first day of the billing cycle in which the cash advance is posted 
to you r account, whichever is later.  
The finance charge is calculated separately for purchases and cash advances. For purchases, 
the finance charge is computed by applying the monthly periodic rate to the average daily 
balance of purchases. To get the aver age daily balance of purchases, we take the beginning 
outstanding balance of purchase s each day, add any new purchases and subtra ct any payments 
and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances 
of purchases for the billing cycle together and divide the total by the numbe r of days in the billi ng 
cycle. This gives us the average daily balance of purchases.  
For cash advances, the finance charge is computed by applying the monthly periodic rate to the 
average daily balance of cash advances. To get the average daily balance of cash advances, 
we tak e the beginning outstanding balance of cash advances each day, add in any new cash 
advances, and subtract any payments and/or credits that we apply to the cash advance balance. 
This gives us the daily balance of cash advances.  Then we add all the daily bal ances of cash 
advances for the billing cycle together and divide the total by the number of days in the billing 
cycle. This gives us the average daily balance of cash advances.  
The ANNUAL PERCENTAGE RATE  for your Card is based on certain creditworthiness criteria.  
For our VISA  Classic Card, the monthly periodic rate for purchases and cash advances  is 
0.7417% - 1.50%, which is an ANNUAL PERCENTAGE RATE  of 8.9 0% - 18.00%. Balance 
Transfers promotional month ly periodic rate is 0.02417%, which is and ANNUAL 
PERCENTAGE RATE  of 2.90% for 12 months. After the promotional period, the monthly 
periodic rate is 0.7417% - 1.50% which is an ANNUAL PERCENTAGE RATE  of 8.90% - 
18.00% . 
For our VISA Secured Card, the monthl y periodic rate for purchases and  cash advances is 
0.5417%, which is an ANNUAL PERCENTAGE RATE  of 6.5 0%. Balance Transfers promotional 
monthly periodic rate is 0.02417%, which is and ANNUAL PERCENTAGE RATE  of 2.90% for 
12 months. After the promotional peri od, the monthly periodic rate is 0.5417% which is an 
ANNUAL PERCENTAGE RATE  of 6.50%.  
5. Other Charges.  The following other charges (fees) will be added to your Account, as 
applicable:  
a) Late Payment Fee:  If you are 10 days or more days late in making a payment, a late charge 
up to $25.00 will be added to your account.  b) Return Payment Fee:  If a check or share draft used to make a payment on your account is 
returned unpaid, you will be charged a fee, up t o $30.00 for each item returned.  
c) Card Replacement Fee:  You will be charged $15.00 for each replacement card that you 
request.  
d) Document Copy Fee:  You will be charged $2.00 per statement plus $15.00 per hour for each 
statement that you request (excep t when the request  is made  in connection with a billing error 
made by FedEx Employees Credit Association).  
e) Collection Costs:  To the extent permitted by law, you agree to p ay all costs of collecting the 
amount you owe under this Agreement, including court costs and attorney�s fees.  
f) Rush Delivery Fee:  For normal production, rush delivery is $17.00. additional fees may apply 
to weekend delivery if available.  
6. Payments.  Each month you must pay at least the minimum payment shown on your 
statement by the da te specified on the statement or no la ter than 25 days from the  state ment 
closing date, whichever is later. If your statement says the payment is "Now Due," your payment 
is due no later than 25 days from the statement closing date. You may pay more frequen tly, pay 
more than the minimum payment or pay the Total New Balance in full.  If you  make extra  or  
larger  payments,  you  are  still required to make at least the minimum payment each month 
your Account has a balance (other than a credit balance). The minimum payment is 3% of your 
Total New Balance, or $25.00 whichever is greater, plus the amount of any prior minimum 
payments that you have not made, and any amount you are over your credit limit. FedEx 
Employees Credit Association also has the right to d emand immediate payment of any amount 
by which you are over your credit limit.  
7. Payment Allocation.  Payments when paid during a billing cycle will be applied to amounts 
outstanding at the time payment is received in th e following order: Unpaid interest, other 
charges, previous cash advances, balance transfers and current purchases. Payment amounts 
in excess of your minimum payment will be applied first to balances with the highest Annual 
Percentage Rate until that balance is paid off and then to balances with the next highest Annual 
Percentage Rate until those balances are paid off.  
8. Security Interest.  To secure your credit card account, you grant us a purchase money 
security interest in any goods you purchase through the account. If you default, we will  have the 
right to recover any of these goods which have not been paid for. As a condition for the approval 
of your credit card account you grant us a specific pledge of your FedEx Employees Credit 
Association shares (deposits) and checking account(s), exc epting those accounts that would 
have an adverse tax consequence if pledged as collateral. Collateral securing  other loans you 
have with  FedEx Employees  Credit Association  may also secure this loan, except that your 
home will never be  considered as security for  this Account notwithstanding anything to the 
contrary in any other agreement.  
PLEDGE OF SHARE AND SHARE DRAFT (CHECKING) ACCOUNT(S) �NOTE : YOU 
PLEDGE TO US AND GRANT A SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT 
ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE, TO SECURE YOUR 
CREDIT CARD ACCOUNT. YOU AUTHORIZE U S TO APPLY THE BALANCE IN THESE  
ACCOUNT(S) TO PAY ANY AMOUNTS DUE UNDER THIS AGREEMENT IF YOU SHOULD 
DEFAULT.  
9. Default.  You will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. You will be in default if you break any promise you make 
under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, 
that is, unable to pay your obligations when th ey become due. You will be in default if you make 
any false or misleading statements in any credit application or credit update. You will also be in 
default if something happens that FedEx Employees Credit Association believes may 
substantially reduce your  ability to repay what you owe.  
When you are in default, FedEx Employees Credit Association has the right to demand 
immediate payment of your full Account bala nce without giving you notice. If immediate payment 
is demanded, you agree to continue paying fin ance charge, at the periodic rate charged before 
default, until what you owe has been paid, and any shares that were given as security for your 
Account may be applied towards what you owe.  
10. Unauthorized Use �Lost/Stolen Card Notification.  You have no liability for the 
unauthorized use of your card. If you believe your card has been  lost or stolen, notify FedEx 
Employees Credit Association orally or by calling (800) 991 -4964 twenty four hours a day or in 
writing at 2731 Nonconnah Blvd., Memphis, TN 3813 2. 
11. Changing or Terminating Your Account.  Upon notice to you as required by law, the terms 
and conditions in this Agreement may be amended by FedEx Employees Credit Association at 
any time. The amendment shall govern any transactions occurring  prior to the effective date of 
the amendment, as to which there is an unpaid balance owing on the effective date of the 
amendment and the amendment shall also govern any transaction occurring  after such effective 
date. Upon notice of amendment, you will have the ri ght to surrender your Card, whereupon you 
may continue to pay off your account in the same manner and under the same terms and 
conditions as then in  effect. Your failure to surrender the Card prior to the effective date of the 
amendment shall constitute co nsent to the amendment.  
12. Credit Information.  You authorize FedEx Employees Credit  Association to investigate your 
credit standing when opening or reviewing your Account. You authorize FedEx Employees 
Credit Association to disclose information regarding your Account to credit bureaus and 
creditors who inquire about your credit standing.  
13. Returns and Adjustments.  Merchants and others who honor your Card may give credit for 
returns or adjustments, and they will do so by sending FedEx Employees Credit Association a 
credit slip which will be posted to your Account. If your credits and payments exceed what you 
owe Fed Ex Employees Credit Association, the amount will be applied against future purchases  2013 Conmar Systems, Peachtree City, GA  30269 � EFORM  19114 -2 Rev. 10/15 and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your 
written request or automatically after six months.  
14. Additional Benefits/Car d Enhancements.  FedEx Employe es Credit Association may from 
time to time offer additional services to your Account, such as travel accident insurance, at no 
additional cost to you. You understand that FedEx Employees Credit Association is not obligated 
to offer such services and may withdraw or change them at any time.  
15. Foreign Transactions.  Purchases and cash advances made in foreign countries and 
foreign currencies will be billed to you in U.S. dolla rs. The conversion rate to U.S. dollars will be 
deter mined in accordance with the opera ting regulations established by VISA International. 
Currently the currency conversion rate  used to determine the transaction amount in U.S. do llars 
is either a government -mandated rate or the wholesale market rate in effect one day prior to the 
transaction processing d ate, increased by one-percent. The currency conversion rate used on 
the processing date may differ from the rate that would have been used on the purchase date 
or cardholder statement posting date.  
16. Merchant Disputes.  FedEx Employees Credit Association is not responsible for the refusal 
of any merchant or financial institution to honor your Card. FedEx Employees Credit Association 
is subject to claims and defenses (other than tort claims) arising out of  goods or services you 
purchase with the Card if you have made a good faith attempt but have been unable to obtain 
satisfaction from the merchant or service provider, and (a) your  purchase   was made  in  
response  to an adve rtisement FedEx Employees Credi t Association sent or participated in 
sending to you; or (b) your purchase cost more than $50 and was made in your state or within 
100 miles of your home.  
17. Joint Accounts.  If this is a joint Account, each person on the Account must sign the 
Application for Credit Card. Each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreeme nt. This means that FedEx Employees Credit Association 
can require any one of you individually t o repay the entire amount owed under this Agreement. 
Each of you authorizes the other(s) to make purchases or cash advances individually. Any one 
of you may terminate the Account and the termination will be effective as to all of you.  
18.  Effect of Agreement.  This Agreement is the contract w hich applies to all transactions on 
your Account even though the sales, cash advances, credit or other slips you sign or receive 
may contain different terms.  
19. No Waiver.  FedEx Employees Credit Association can delay enforcing any of its rights any 
number  of times without losing them.  
20. Statements and Notices.  Statements and notices will be mailed to you at the most recent 
address you have given FedEx Employees Credit Association. Notice sent to any one of you 
will be considered notice to all.  
21. Final Expression.  This Agreement is the final expression of the terms and conditions of this 
VISA line of credit between you and FedEx Employees Credit Association. This written 
Agreement may not be contradicted by evidence of any alleged oral agreement.  
22.  Copy Received.  You acknowledge that you have received a copy of this Agreement.  
23. Savings Clause.  If any of the provisions of this Agreement shall be  invalid or unenforceable, 
then this Agreement shall be construed as if it did not contain the provisions a nd FedEx 
Employees Credit Association�s right and your obligations shall be construed and enforced 
accordingly.  
 
 
 
 
 
 
YOUR BILLING RIGHTS  Keep This Notice For Future Use  
This notice contains important information about your rights and our responsibilities under the 
Fair Credit Billing Act.  
 
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL  
If you think your bill is wrong, or if you need more information about a transaction on your bill, 
write us on a separate sheet at the address listed on your bill.   Write to us as soon as possible.  
We must hear from you no later than 60 days after we sent you the first bill on which the error 
or problem appeared. You can telephone us, but doing so will not preserve your rights.  
In your letter, give us the following  information:   
� Your name and account number.  
� The dollar amount of the suspected error.  
� Describe the error and explain, if you can, why you beli eve there is an error. If you need more 
information, describe the item you are not sure about.  
If you have authorized us to pay your credit card bill automatically from your share account or 
share draft account, you can stop the payment on  any amount you think is wrong.  To stop the 
payment your letter must reach us three business days before the automatic payme nt 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 ha ve corrected the error by then.  
Within 90 days, we must either correct the error or explain why  we believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question or report as 
delinquent. We can continue to bill you for the amount you question, including finance charges, 
and we can apply any unpaid amount  against your credit limit. You do not have to pay any 
questioned amount while we are investigating, but you are still  obligated to pay the parts of your 
bill that are not in question.  
If we find that we made a mistake on your bill, you will not have to p ay any finance charges 
related to any questioned amount. If we didn't make a mistake, you may have to pay finance 
charges, and you will have to make up any missed payments on the questioned amount.  In 
either case, we will send you a statement of the amoun t 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 mus t tell anyone we report you to that you have a question about your bill. 
And, we must tell anyone we report you to that the matter has been settled between us when it 
finally is. If we don't follow these rules, we can't collect the first $50 of the questio ned amount, 
even if your bill was correct.  
 
TO REPORT LOST OR STOLEN CARDS, CALL (800) 991 -4964  SPECIAL RULE FOR 
CREDIT CARD PURCHASES  
If you have a problem with the quality of property or services that you purchased with a credit 
card, and you have tried in good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount d ue 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 with in your home state, 
within 100 miles of your current mailing address; and  
(b)  The purchase price must have been more than $50.  
These limitations do not apply if we own or operate the merchant, or if we mailed you the 
advertiseme nt for the property or service.