Pricing Information Addendum  

Annual Percentage Rate (APR)  
APR for Purchases, Balance Transfers and Cash Advances  
7.90% APR (.02164% DPR)  
9.25% APR (.02534% DPR)  
10.65% APR (.02918% DPR)  
14.90% APR (.04836% DPR)  
17.65% APR (.04904% DPR)  
17.90% APR (.04904% DPR) 

The  Standard  Annual  Percentage  Rate  (APR)  may  vary  quarterly.  The  APR  is  a  variable  rate 
determined quarterly by adding a margin of 4.65% to 14.65% (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. 

Penalty APR  
None  

Fees for Issuance or Availability  
None.  

Fixed Finance Charge/Minimum Interest Charge  
None.  

Transaction Charges  
Foreign Transactions 1% of transaction  

Grace Period  
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.  

Balance Computation Method  
Average daily balance (including purchases) - 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  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.  

Cash Advance Fee  
None.  

Late Payment Fee  

 
 
 
 
  
 
 
 
 
 
 
 
If payment is more than 10 days past due, you will be charged up to $25.  

Over-the-Limit Fee  
None  

Balance Transfer Fee  
None.  

Returned Payment Fee 
Up to $25  

Required Insurance, Debt Cancellation or Debt Suspension Coverage  
None. Credit insurance and debt cancellation/suspension coverage is voluntary and not required 
in order to obtain a loan. 

 
 
 
 
CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT 
FOR YOUR GECU MASTERCARD®ACCOUNT 

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  3.25%  in  effect 
as of  December  31,  2011  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, 
Balance  Transfers  and 
Cash  Advances 

3.9% introductory  APR  is effective  upon  the opening  of your account  if you 
are approved  for a GECU  Family  Account  Platinum  MasterCard  or your credit 
score  is 680 and above.  APR  is fixed for the first 6 statement  billing cycles 
following  the opening  of the account  for all purchases,  balance  transfers,  and 
cash advances.  After  that the variable  Standard  Rate for purchases,  balance 
transfers,  and cash advances  will apply.  The  Introductory  Rate may end 
sooner  if your payment  is late. See explanation  below. 

After that, your  APR  will be 7.90%, 9.25%, 10.65%,14.90%,
17.65%,  or  17.90% as of 12-31-11,  depending  on 
your creditworthiness1

This 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 

None 

None 
None 
1% of transaction 

If payment  is 10 days or more  past due, you will be charged  up to $25. 
None 
Up to $25 

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 
•  Foreign  Transaction 
Penalty  Fees 
•  Late Payment 
•  Over-the-Limit 
•  Returned  Payment 

Rev. 2/1/12

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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:    Information   on  your  rights  to  dispute  transactions   and  how  to  exercise  those  rights  is 
provided  in your account  agreement. 

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 Standard  Rate Daily  Periodic  Rate (DPR)  for the  APRs  listed  in the table above  are as follows: 
7.90%  APR  (.02164%  DPR) 
9.25%  APR  (.02534%  DPR) 
10.65%  APR  (.02918%  DPR) 
14.90%  APR  (.04082%  DPR) 
17.65%  APR  (.04836%  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  14.65%  (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. 

TERMS    USED    IN    THIS    AGREEMENT:    This    Agreement    and    Disclosure    Statement 
(“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 
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 

Rev. 2/1/12

 
 
 
 
 
 
 
 
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 form 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 
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 

Rev. 2/1/12

 
 
 
 
 
 
 
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  $20.00  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 $20.00  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 
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 

Rev. 2/1/12

 
 
 
 
 
 
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  14.65%  (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.  These  ANNUAL  PERCENTAGE  RATES  are  referred  to 
as  the  Standard  Rate.  The  Standard  Rate  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:  You  may  be  liable  for  the  unauthorized  use  of  your 
Card.  You  will  not  be  liable  for  any  unauthorized  use  of  your  card  if  you  notify  our  designee 
orally  or  in  writing  at  the  Credit  Card  Center,  4455  LBJ  Freeway,  P.O.  Box  815909,  Farmers 
Branch,   TX   75381,   Telephone   Number   1.800.442.4757,    of   the   loss,   theft,   or   possible 
unauthorized  use  and  you  meet  the  following  conditions:  (1)  you  have  exercised  reasonable 
care  with  the  Card;  (2)  you  have  not  reported  two  or  more  incidents  of  unauthorized  Card  use 
within  the previous  12  months;  and  (3) you  have  maintained  your  Account  in good  standing.  The 
foregoing  liability  limitation  does  not  apply  to ATM  cash  advance  transactions.  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. 2/1/12

 
 
 
 
 
 
 
 
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. 2/1/12

 
 
 
 
 
 
 
 
 
 
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 

Rev. 2/1/12

 
 
 
 
 
 
 
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.  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: 

Rev. 2/1/12

 
 
 
 
 
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. 

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. 

Rev. 2/1/12

 
 
 
 
 
 
 
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 
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. 2/1/12