CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT
FOR YOUR GECU PLATINUM MASTERCARD® AND FAMILY ACCOUNT
MASTERCARD®

Disclosure to GECU Platinum MasterCard and Family Account Platinum MasterCard
Agreement and Disclosure Statements

Disclosure of variable rates and fees are accurate and based on the Prime Rate of 3.50% in effect
as of December 31, 2015 and may have changed. To receive the most recent information, contact
GECU at 1-800-772-4328.

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases and
Balance Transfers

1.90% introductory APR is effective upon the opening of your account if
you are approved for a GECU MasterCard APR is fixed for the first 6
statement billing cycles following the opening of the account for all purchases
and balance transfers.  After that the variable Standard Rate for purchases
and balance transfers will apply. The Introductory Rate may end sooner if
your payment is late. See explanation below.

After that, your APR will be 8.15%, 9.50%, 10.90%, 15.15%,
or 17.90 % as of 12-31-15, depending on your creditworthiness1

This APR will vary on the market based on the Prime Rate.2
1.90% introductory APR is effective upon the opening of your account if
you are approved for a GECU MasterCard. APR is fixed for the first 6
statement billing cycles following the opening of the account for all cash
advances. After that the variable Standard Rate for purchases and balance
transfers will apply to the remaining balance. The variable APR for Cash
Advances will apply to cash advances conducted after the expiration of the
Introductory Rate. The Introductory Rate may end sooner if your payment is
late. See explanation below.

2% above your APR for Purchases, not to exceed 17.90%.
The APR will vary on the market based on the Prime Rate.2
None

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.
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.
None
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

APR for Cash Advances

Penalty APR and When it
Applies
Paying Interest

How to Avoid Paying
Interest on Purchases

Minimum Interest Charge
For Credit Card Tips from
the Consumer Financial
Protection Bureau

Fees and Charges
Annual Fee
Transaction Fees
 Balance Transfer
 Cash Advance

None

None
None

Rev. 1/1/16

 Foreign Transaction
Penalty Fees
 Late Payment
 Over-the-Limit
 Returned Payment

1% of transaction

If payment is 10 days or more past due, you will be charged up to $25.
None
Up to $25

How  We  Will  Calculate  your  Balance: We  will  use  a  method  called  “average  daily  balance  (including
purchases)”. See your account agreement for more details.

Billing  Rights:
provided in your account agreement.

Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is

Loss of Introductory APR: If the account is closed for any reason (including closure based on default of
another GECU account), any introductory  APR (the “Introductory  APR”) then in  effect is forfeited and the
APR that will be applied to the outstanding balance will be the Standard Rate.

1 The Periodic Rate (DPR) for the APRs listed in the table above are as follows:

Standard Rate DPR
8.15% APR (.02233% DPR)
9.50% APR (.02603% DPR)
10.90% APR (.02986% DPR)
15.15% APR (.04151% DPR)
17.90% APR (.04904% DPR)

Cash Advance Rate DPR
10.15% APR   (.02781% DPR)
11.50% APR (.03151% DPR)
12.90% APR (.03534% DPR)
17.15% APR (.04699% DPR)
17.90% APR (.04904% DPR)

2 The  Standard Rate Annual  Percentage  Rate  (APR)  may  vary  quarterly.  The  APR  is  a  variable  rate
determined quarterly by adding a margin of 4.65% to 14.40% (depending on our review of your application
and credit history) to the Prime Rate (Index) which is published in the “Money Rates” column of The Wall
Street Journal on the last business day of each calendar quarter. The Index will be applied the first day of
your  billing  cycle  that  ends  in  the  calendar  month  following  each  quarter  end. Your  account  shall  be
reviewed annually to determine the appropriate margin and credit score range, and as otherwise required
by  law. Changes  to  your  APR  will  be  applied upon  notification  in  accordance  with  applicable  laws  and
regulations.

Notice: Read and retain this copy of your Agreement and Truth-in-Lending Disclosure for
future reference.

IN  THIS  AGREEMENT: This  Agreement  and  Disclosure  Statement
TERMS  USED 
(“Agreement”) cover  your  GECU  Platinum  MasterCard®  and  Family  Account  Platinum
MasterCard (“Account”) with us. In this Agreement, the word “you” and “your” means any person
who  signs  either  the  GECU  Platinum  MasterCard  or  Family  Account  Platinum  MasterCard
Application  (“Application”)  or  any  person  who  uses  the  Card(s).  “We,”  “our,”  and  “us”  means
GECU, primary address located at 1225 Airway  Drive, El Paso, TX 79925. The “Card” means
any  credit  card  issued  to  you  or  those  designated  by  you  under  the  terms  of  this  Agreement.
“Use of the Card” means any procedure used by you, or someone authorized by you, to make a
purchase  or  an  advance  whether  or  not  the  purchase  or  advance  is  evidenced  by  a  signed
written  document.  For  the  Family  Account  MasterCard,  “Key  Account  Holder”  means  the
Account  Applicant  as  set  forth  in  the  Application.  “Unauthorized  use”  means  the  use  of  your
Card by a person, other than you, who does not have actual, implied or apparent authority for
such use, and from which you receive no benefit. In this Agreement, any plural terms shall be
deemed singular and any singular terms shall be deemed plural when context and construction
so require.

If you have a FAMILY  ACCOUNT MASTERCARD: This Account is either the primary GECU
Family Account Platinum MasterCard (the “Key Account”) or another Family Account Platinum

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MasterCard on which the Key Account Holder is an obligor (a “Dependent Account”). All of the
Key  Account  Holder’s  Family  Account  Platinum  MasterCards  are  linked  together  by us,  which
allows the Key Account Holder to easily monitor the activity on all accounts and set Dependent
Account credit limits within limits established by us. Each statement period, we will send the Key
Account  Holder  a  comprehensive  periodic  statement  covering  the  activity  for this Account  and
all other linked accounts. If this Account is designated as a “Parent Pay” Account, then the Key
Account  Holder  will  receive  the  official  periodic  statement for  this  Account  and may  designate
that  we  also  send  a  separate  courtesy  Account  statement  to  certain  other cardholders.  If  this
Account  is  designated  as  a  “Dependent  Pay”  Account,  then  we  will  send  the official  periodic
statement for this Account to the Joint Applicant (or, if there is more than one Joint Applicant, to
the  Joint  Applicant  designated  by  the  Key  Account  Holder).  In  such  event,  the Key  Account
Holder’s  periodic  statement  will  only  include  a  courtesy  periodic  statement  for  this Account.
Regardless  of  whether  the  Key  Account  Holder  designates  this  Account  as  a  Parent  Pay or
Dependent  Pay  Account,  you  agree  that  the  party  to  whom  we  send  the  official  periodic
statement for this Account is the party responsible for remitting this Account’s required payment
to us by the “Payment Due Date” shown on the official periodic statement.

EXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish
an Account in your name and cause one or more Cards to be issued to you or those designated
by  you.  In  such  event,  you  authorize  us  to  pay  for  your  Account, all  items  reflecting credit
purchases, balance transfers, and cash advances obtained through use of the Card.

JOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each
of you shall be jointly and individually liable to us for all 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.

CONVENIENCE CHECKS: We may, at our discretion, issue checks to you which may be used
for  any  purpose  other  than  making  a  payment  for  credit  to  your  Account.  By  signing  such
checks, you authorize us to pay the item for the amount indicated and post such amount as a
cash advance  to  your  Account.  We  do  not  have  to  pay  any  item  which  would  cause  the
outstanding balance in your Account to exceed your credit limit.

OTHERS  USING  YOUR  ACCOUNT: If  you  allow  anyone  else  to  use  your  Card,  you  will be
liable  for  all  credit  extended  to  such  persons.  You  promise  to  pay  for  all  purchases,  balance
transfers and cash advances made by anyone whom you authorize to use your Card, whether
or not you notify us that he or she will be using it. If someone else is authorized to use your card
and you want to end that person’s privilege, you must notify us in writing and, if he or she has a
Card, you must return the Card with your written notice for it to be effective.

CREDIT LIMITS: You promise that payments we make for your Account(s) resulting from use of
the Card will, at no time, cause the outstanding balance of your Account to exceed your credit
limit as established by us or as adjusted from time to time at our discretion.

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 whom you authorize to use the Card or Account;
(b) FINANCE CHARGES and other charges or fees; (c) collection costs and attorneys’ fees as
permitted by applicable law and any costs incurred in the recovery of the Card; and (d) credit in

Rev. 1/1/16

excess of your credit limit that we may extend to you. At the end of each monthly billing cycle for
which  you  have  a  balance  on  your  Account,  you  will  be  furnished  with  a  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, balance transfers, over-the-
limit fees, late charges, annual fees, FINANCE CHARGES and other charges or fees posted to
your Account during the billing cycle, (iii) the amount of all payments and credits posted to your
Account during the billing cycle and (iv) the “New Balance” which is the sum of (i) and (ii) minus
(iii).

You agree to pay for your Account on or before the Payment Due Date shown on the monthly
periodic statement either the entire New Balance or a Minimum Payment equal to any amount,
which  is  at  least  2%  of  the  New  Balance  or $25.00 whichever  is  greater,  plus  any  amount  in
excess  of  the  credit  limit  established  by  us  and  any  past  due  minimum  payments.  If  the  New
Balance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance
of the due date without a penalty and  you may 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.

PLEASE NOTE:
For  Family  Account  Platinum  MasterCard  Key  Card  Account  Holder: The  official  periodic
statement we send to the Key Account Holder will reflect a separate and a combined minimum
payment for the Key Account and all linked Parent Pay accounts. The Key Account Holder may
remit  separate  payments  for  the  Key  Account  and  each  linked  Parent  Pay  account  or  may
combine a payment for multiple accounts. If payment is combined, or if any payment by a Key
Account  Holder  is  remitted  to  us  by  way  of  the  GoToMyCard.com  website  or  by  any  other
automated  system,  then  the  payment  will  be  allocated  as  follows  unless  you  tell  us  otherwise
when you send the payment: Payment will first be applied to pay the required minimum payment
for  the  Key  Account  and  each  linked  Parent  Pay  account.  Any  excess  amount  will  be  divided
equally between the Key Account and the Parent Pay accounts. If a combined payment is not
adequate  to  pay  the  required  minimum  payment  for  the  Key  Account  and  each  Parent  Pay
account,  then  the  payment  will  first  be  applied  to  cure  any  delinquent  Key  Account  or  Parent
Pay account and any excess amount will be applied to make the required minimum payment for
the Key Account and as many Parent Pay accounts as possible.

COST  OF  CREDIT: You  will  pay  a FINANCE CHARGE for  all  advances  made  against  your
Account. FINANCE CHARGES for cash advances and balance transfers begin to accrue on the
date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are
posted to your Account if you have paid the Account in full by the Payment Due Date shown on
your  previous  monthly  statement  or  if there  was  no  previous  balance. Cash  Advances  incur  a
FINANCE CHARGE from the date they are posted to your Account.

No  additional FINANCE  CHARGES will  be  imposed on  new  purchases  shown  on  your
statement if the New Balance shown on the statement is paid in full by the Payment Due Date
reflected on the statement. For purchases made with your Card, there is a 25-day grace period
within which the New Balance may be paid without incurring a FINANCE CHARGE.

The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to
the  “Balance  Subject  to FINANCE  CHARGE” which  is  the  “Average  Daily  Balance”  of your
Account,  including  current  transactions. The  Average  Daily  Balance  is  arrived  at  by  taking the
beginning balance of your Account each day, adding new cash advances and balance transfers,
and unless you pay your entire Account Balance in full by the Payment Due Date shown on your

Rev. 1/1/16

previous  monthly statement  or  there  is  no  previous  balance,  adding  in  new purchases,  and
subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily
balance.  The  daily  balances  for  the  billing  cycle  are  then  added  together  and divided  by  the
number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate
portion  of the FINANCE  CHARGE is  determined  by  multiplying  the Average  Daily  Balance  by
the number of days in the billing cycle and applying the respective periodic rate to the product. If
your periodic rate is computed based on an Index, your periodic rate(s) may vary.

If  your  Account  features  an  Introductory  Rate,  you  will  pay  an  Introductory  Rate FINANCE
CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE
RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE
may  vary  quarterly.  The  APR  (other  than  the  Introductory  APR)  is  a  variable  rate  determined
quarterly by adding a margin of 4.65% to 14.40% (depending on our review of your application
and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates”
column of The Wall Street Journal on the last business day of each calendar quarter. If the last
business day of a calendar quarter falls on a weekend or a holiday, then the Index published on
the preceding business day for that month will be used. The Index will be applied the first day of
your  billing  cycle  that  ends  in  the  calendar  month  following  each  quarter  end.    Your account
shall be reviewed annually to determine the appropriate margin and credit score range, and as
otherwise  required  by  law. Changes  to  your ANNUAL  PERCENTAGE  RATE will  be  applied
upon notification in accordance with applicable laws and regulations.

The ANNUAL PERCENTAGE RATE for purchases, cash advances or balance transfers, in any
given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as
set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases and
balance  transfers are  referred  to  as  the  Standard  Rate.  The  daily  periodic rate  and
corresponding ANNUAL  PERCENTAGE  RATE for  purchases,  cash  advances  and balance
transfers are set forth in the Additional Disclosure.

For  all,  purchases,  cash advances  and  balance  transfers,  the  Standard  Rate ANNUAL
PERCENTAGE  RATE will  never  be  greater  than  17.90%  with  a  corresponding  Standard  Rate
Daily Periodic Rate of .04904%.

Please  note  that  the  terms  of  your  account,  including  any  of  the ANNUAL  PERCENTAGE
RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be
in accordance with the Agreement and Disclosure Statement for your account.

PENALTY APR: No Penalty APR.

LIABILITY FOR UNAUTHORIZED USE: Under MasterCard’s® zero liability policy, you will not be
liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding
the card from risk of loss or theft, and upon becoming aware, promptly notify our designee orally
or in writing of the loss, theft, or possible unauthorized use at Card Services, P.O. Box 498181,
Cincinnati, Ohio 45249-9860, Telephone Number 1.800.442.4757. In any case, your maximum
liability for unauthorized use of the Card will not exceed $50.00 and you will not be liable for any
unauthorized use that occurs after you notify our designee of the address or telephone number
above.

SKIP PAYMENT OPTION: We may designate a billing period in which you will have an option
to  skip  a  payment  or  pay  less  than  the  Minimum  Payment  Due.    If  you  exercise  this  option,
FINANCE  CHARGES will  accrue  based  on  your  “Average  Daily  Balance”  as  described  in  the

Rev. 1/1/16

GECU  Platinum  MasterCard  and  Family  Account  MasterCard  Agreement  and  Disclosure
Statements.

CREDITING OF PAYMENTS: All payments made on your Account at the address designated
for payment on the monthly periodic statement will be credited on the date of receipt. If the date
of receipt is not a business day, your payment will be credited on the first business day following
receipt.  All  payments  on  your  Account  will  be  applied  first  to  collection  costs,  then  to any
FINANCE CHARGE and to other fees dues, and then to the unpaid principal balance. Interest
paid or agreed to be paid shall not exceed the maximum amount of interest permissible under
applicable  law,  and  in  any  contingency  whatsoever,  if  we  shall  receive  anything  of  value
deemed  interest  under  applicable  law  which  would  exceed  the  maximum  amount  of  interest
permissible under applicable law, the excessive interest shall be applied to the reduction of the
unpaid principal amount or refunded to you.

LATE PAYMENT FEE: If a payment is 10 days or more past due, you will be charged a Late
Payment Fee up to $25.  If your minimum payment is less than $25, the Late Payment Fee will
be equal to your minimum payment.*

ANNUAL FEE: No Annual Fee.

OVER-THE-LIMIT FEE: No Over-the-Limit Fee.

RETURNED  PAYMENT  FEE: We  will  charge  you  a  Returned  Payment  Fee  up  to  $25  if  any
payment you send us is returned unpaid for any reason.  We will charge you this fee each time
any payment is returned unpaid, even if it is paid upon resubmission. If your minimum payment
is less than $25, the Returned Payment Fee will be equal to your minimum payment.*

*MULTIPLE  FEES: In  the  event  that  the  Late  Payment  Fee  and  the  Returned Payment  Fee
apply concurrently, we will not charge you more than one fee for a single event.

OTHER FEES:
Convenience Check Fee…………………………….$4.00
Duplicate Statement Fee…………………………….$5.00
Balance Transfer Stop Payment Fee…………..…$25.00
Telephone Operator Assistance Fee

(for expedited service)………………………….…$5.00

SECURITY: YOU SPECIFICALLY GRANT US A SECURITY INTEREST IN ALL INDIVIDUAL
AND  JOINT  ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE FUTURE  TO  SECURE
REPAYMENT OF CREDIT EXTENSION 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.
IF  YOU  HAVE  OTHER  LOANS  WITH  US,
COLLATERAL  SECURING  SUCH  LOANS MAY  ALSO  SECURE  YOUR  OBLIGATIONS
UNDER THIS AGREEMENT

Shares and deposits in an Individual Retirement Account (IRA) or any other account that would
lose special tax treatment under state or federal law if given as security are not subject to the
security  interest  you  are  giving.  Collateral  securing  other  loans  with  us  may  also  secure
payments for your Account under this Agreement.

Rev. 1/1/16

DEFAULT: You will be in default: (1) if you fail to make any payment on time; (2) if you fail to
keep any promises you have made under this or any other agreement with us; (3) if you are the
subject of an order of relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by
legal process, to take any of your money maintained with us; (5) if you have given us false or
inaccurate  information  in  obtaining  your  Card;  or  (6)  if  we  reasonably  believe  that  you  are
unable or unwilling to repay your obligations to us.

ACCELERATION: If you are in default, without notice to you, we may accelerate your debt and
call any amounts you owe immediately due and payable, plus FINANCE CHARGES which shall
continue to accrue until the entire amount is paid. If you default on your Account you authorize
us  to  transfer  the  balance  of  your  Account  to  another  linked  account  of  yours.  You expressly
waive  any  right  to  notice  of  our  intention  to  accelerate  and  notice  that  your  debt  has been
accelerated.

TERMINATION  AND  CHANGES: You  may  terminate  this  Agreement,  by  written  notice,  as  to
future  advances  at  any  time.  We  can  terminate  this  Agreement  at  any  time  subject  to  such
notice  as  may  be  required  by  applicable  law.  Termination  by  either  party  shall  not  affect  your
obligation to repay any payments made for your Account resulting from use of the Card as well
as FINANCE  CHARGES and  other  related  charges.  We may  change  the  terms  of  this
Agreement, including the periodic rate, at any time subject to such notice as may be required by
applicable law.

NOTIFCATION  ADDRESS  FOR  INFORMATION  REPORTED  TO  CONSUMER REPORTING
AGENCIES: We may report the status and payment history of your Account to credit reporting
agencies  each  month.  If  you  believe  that  the  information  we  have  reported  is inaccurate  or
incomplete,  please  notify  us  in  writing  at our  primary address  shown in  the  Terms  of  this
Agreement  section of this Agreement.  Please  include  your  name,  address,  home  telephone
number and Account number.

CREDIT  INVESTIGATION: In  conjunction  with  your  application  for  credit  and,  if  approved,
maintenance  of  your  Account,  you  agree  that  we  have  the  right  to  investigate  your credit  and
employment  history,  to  verify  your  credit  references,  to  request  and  use  credit  reports,  and  to
report the way you pay your Account to credit bureaus and other interested parties.

ILLEGAL TRANSACTIONS: You may not use your Card for any illegal transaction. You agree
that we may decline to process any transaction that we believe in good faith to be for an illegal
purpose. You agree that we will not be liable for declining to process any such transaction. If we
do process any transaction that ultimately is determined to have been for an illegal purpose, you
agree  that  you  will  remain  liable  to  us  under  this  agreement  for  any  such transaction
notwithstanding its illegal nature. You agree that any illegal use of the Card will be deemed an
act  of  default  under  this  Agreement.  You  further  agree  to  waive  any  right  to  take legal  action
against  us  for  your  illegal  use  of  the  Card  and  to  indemnify  and  hold  us  MasterCard
International, Incorporated harmless from and against any lawsuits, other legal action, or liability
that results directly or indirectly from such illegal use.

FOREIGN  CURRENCY  CONVERSION: If  you  effect  a  transaction  with  your  MasterCard  in a
currency  other  than  U.S.  dollars,  MasterCard  International  will  convert  the  charge  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 rate or a wholesale rate determined by
MasterCard  International  for  the  processing  cycle  in  which  the  transaction  is  processed,

Rev. 1/1/16

increased  by  an  adjustment  factor  established  from  time  to  time  by  MasterCard  International.
The  currency  conversion  rate  used  by  MasterCard  International  on  the  processing  date  may
differ from  the  rate  that  would  have  been  used  on  the  purchase  date  or  cardholder  statement
posting date. We will charge a 1% Foreign Transaction Fee for all international purchases, cash
disbursements and Account credit transactions.

ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the
total  Agreement  and  cannot  in  any  way  be  severed  from  it.  However,  if  any  provision  of  this
Agreement is finally determined to be void or unenforceable under any law, rule, or regulation,
all  other  provisions  of  this  Agreement  will  remain  valid  and  enforceable.  You  understand  that
this Agreement is performable in the country and state of the aforementioned credit union in this
Agreement, and the validity, construction, and enforcement of this Agreement shall be governed
by applicable federal law and the laws of the state in which the aforementioned credit union is
primarily  located. We  do  not  warrant  any  merchandise  or  services  purchased  by  you  with  the
Card.  All  purchases  and  cash  advances  are  extended  at  the  option  of  the  merchant  or  cash
advancing financial  institution  and  we  are  not  responsible  for  the  refusal  of any  merchant  or
financial  institution  to  honor  your  Card.  The  Card  remains  our  property  at  all  times  and  you
agree to immediately surrender the Card upon demand. You agree to pay all reasonable costs
of collection, including court costs and attorney’s fees, and any costs incurred in the recovery of
the Card. We can accept late payments or partial payments, or check or money orders marked
“payment  in  full”  without  losing  any  of  our  rights  under  the  Agreement.  We  can  also  delay
enforcing  any  of  our  rights  under  this  Agreement  without  losing  them.  You  expressly  waive
presentment  for  payment,  demand,  protest,  and  notice  of  protest  and  dishonor  of  same.  You
agree to give us prompt notice of any change in your name, mailing address, telephone number
or place of employment.

If  you  effect  a  transaction  with  your  MasterCard  card  in  a  currency  other  than  U.S.  dollars,
MasterCard  International  will  convert  the  charge  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  rate  or  a wholesale  rate  determined  by  MasterCard
International  for  the processing  cycle  in  which  the  transaction  is  processed,  increased  by  an
adjustment  factor established  from  time  to  time  by  MasterCard  International.  The  currency
conversion  rate  used  by MasterCard  International  on  the  processing  date  may  differ  from  the
rate that would have been used on the purchase date or cardholder statement posting date. You
agree that you will not cause or allow the Card to be used in any manner or for any transaction
that we believe poses an undue risk or illegality and we may refuse to authorize any such use or
transaction. You agree that any illegal use of the Card will be deemed an act of default under
this Agreement.

YOU FURTHER AGREE TO WAIVE ANY RIGHT TO TAKE LEGAL ACTION AGAINST GECU
FOR  YOUR  ILLEGAL  USE  OF  THE  CARD AND  TO  INDEMNIFY  AND  HOLD  GECU  AND
MASTERCARD  INTERNATIONAL,
INCORPORATED  HARMLESS  FROM  AND  AGAINST
ANY  LAWSUIT,  OTHER LEGAL  ACTION  OR  LIABILITY  THAT  RESULTS  DIRECTLY  OR
INDIRECTLY FROM SUCH ILLEGAL USE.

RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:
By  using  the  Card,  you  agree  to  all  the  terms  and  conditions  and  promise  to  perform  all  the
obligations, requirements, and duties contained in this Agreement, and you acknowledge receipt
of a copy of this Agreement.

Rev. 1/1/16

GECU, 1225 Airway, El Paso, TX 79925 issues your credit card under this Agreement.

WHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT

NOTICE OF YOUR BILLING RIGHTS –
KEEP THIS NOTICE FOR FUTURE USE.
This  notice  contains  important information  about  your  rights  and  our  responsibilities  under  the
Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Statement.
If you think your statement is wrong or if you need more information about a transaction on your
statement, write us on a separate sheet at the address listed on your statement. Write to us as
soon  as  possible.  We  must  hear  from  you  no  later  than  60  days  after  we  sent  you  the  first
statement on which the error or problem appeared. You can telephone us, but doing so will not
preserve your rights.

In your letter, provide us with the following information: (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  GECU  checking
account,  you  can  stop  the  payment  on  any  amount  you  think  is  wrong.  To  stop  the  payment,
your letter must reach us three (3) business days before the automatic payment is scheduled to
occur.

Your Rights and Our 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 statement was
correct. After we receive your letter, we cannot try to collect any amount you question or report
you as delinquent. We can continue to bill you for the amount you question, including FINANCE
CHARGES and we can apply any unpaid amount against your credit limit. You do not have to
pay  any  questioned  amount  while  we  are  investigating,  but  you  are  still  obligated  to  pay  the
parts  of  your  statement that  are  not  in  question.  If  we  find  that  we  made  a  mistake  on  your
statement,  you  will  not  have  to  pay  any FINANCE  CHARGES 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 amount you owe and the date that it is due. If you fail to pay the amount
that we think you owe, we may report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell
anyone we report you to that you have a question about your statement. And, we must tell you
the name of anyone we reported you to. We must tell anyone we report you to that the matter
has been settled between us when it finally is.

If we don’t follow these rules, we can’t collect the first $50.00 of the questioned amount, even if
your statement was correct.

Special Rule for Credit Card Purchases.
If you have a problem with the quality of property or services that you purchased with a credit
card, and you have tried in good faith to correct the problem with the merchant, you may have
the  right  not  to  pay  the  remaining  amount  due  on  the  property  or  services.  There  are  two
limitations  on  this  right:  (a)  You  must  have  made  the  purchase  in  your  home  state,  or  if  not

Rev. 1/1/16

within your home state, within 100 miles of your current mailing address; and (b) The purchase
price must have been more than $50.00. These limitations do not apply if we own or operate the
merchant or mailed you the advertisement for the property or services.

GECU MEMBER SERVICE: Call 1.800.442.4757, 24 hours a day, seven days a week. (Please
have account information available).

NOTE: You  must  qualify  for  a  minimum  credit  line  of  $2000  to  receive  MasterCard  Platinum
Benefits.  For  a complete  description  of  benefits  please  refer  to  the  summary  of  benefits
provided with your new card.

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.

Ohio residents: Ohio anti-discrimination laws require creditors to make credit equally available
to  all  creditworthy  customers  and  that  credit  reporting  agencies maintain  separate  credit
histories  on  individuals  upon  request.  The  Ohio  Civil  Rights  Commission  administers
compliance with this law.

New  York  and  Vermont  residents:  At  any  time,  we  may  obtain  your  credit  reports,  for  any
legitimate  purpose  associated  with  the  account  or  the  application  or  request  for  an  account,
including  but  not  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.

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  interest
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.

Rev. 1/1/16