EECU (Revision Date: 3-20-20)                                                                                                                                                                                                                  Page 1 of 2   
Important Account Pricing and Terms  
Interest Rates and 
Interest Charges  Platinum Plus  
MasterCard�1 World Rewards  
  MasterCard�1 Cash Rewards  
MasterCard�1 
Annual 
Percentage  
Rate (APR) for 
Purchases  
 
 9.99% to 17.99%   
This APR will be based on your 
creditworthiness  and will vary 
with the market based on the 
Prime Rate.2,3 10.99% to 17.99%  
This APR will be based on your 
creditworthiness  and will vary 
with the market based on the 
Prime Rate.2,3  11.99% to 17.99%  
This APR will be based on your 
creditworthiness  and will vary with 
the market based on the Prime 
Rate.2,3 
APR for Balance  
Transfers  9.90%  APR for Balance 
Transfers for qualified applicants  
based on creditworthiness made 
within ninety (90) days from the 
anniversary date of account 
opening.4 This APR will be non -
variable .  Otherwise, 17.99%  
APR will apply for Balance 
Transfer s.  This APR will be non -
variable . 
9.99% to 17.99%    APR 
for Balance Transfers made 
ninety -one (91) days or more 
from the anniversary date of 
account opening. This APR will 
be based on your 
creditworthiness  and will vary 
with the market based on the 
Prime Rate.2,3 9.90%  APR for Balance 
Transfers for qualified applicants 
based on creditworthiness made 
within ninety (90) days from the 
anniversary date of account 
opening.4 This APR will be non -
variable . Otherwise, 17.99%  
APR will apply for Balance 
Transfer s.  This APR will be non -
variable . 
10.99% to 17.99%  
APR for Balance Transfers made 
ninety -one (91) days or more from 
the anniversary date of account 
opening. This APR will be based 
on your creditworthiness  and will 
vary with the market based on the 
Prime Rate.2,3 9.90%  APR for Balance 
Transfers for qualified applicants 
based on creditworthiness made 
within ninety (90) days from the 
anniversary date of account 
opening.4 This APR will be non -
variable .  Otherwise, 17.99%  
APR will apply for Balance 
Transfer s.  This APR will  be non -
variable . 
11.99% to 17.99%  
APR for Balance Transfers made 
ninety -one (91) days or more 
from the anniversary date of 
account opening. This APR will 
be based on your 
creditworthiness  and will vary 
with the market based on the 
Prime Rate.2,3 
APR for Cash 
Advances  17.99%  
How to Avoid 
Paying Interest  
on Purchases  Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month.  We will begin charging you interest 
on cash advances and balance transfers on the transaction date.  
Minimum Interest 
Charge  None  
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 Protectio n Bureau at 
http://www.consumerfinance.gov/learnmore  
Fees  
Annual Fee  None  
Transaction Fees  
Foreign Transaction  Fee 
Cash Advance Fee 
Balance Transfer Fee   
Up to 1% of each transaction in U.S. dollars  
None  
None  
Penalty Fees   
Late Payment  Fee 
Returned Payment  Fee 
Over -the-Credit -Limit  Fee 
Penalty APR   
Up to $25  
Up to $20 
None  
None  
The minimum monthly payment is 2% of your total new balance, or $ 30, whichever is greater.  See your Credit Card Agreement for more details.   
How We Will Calculate Your  Balance:  We use a method called �average daily balance (including new purchases). �  See your Credit Card 
Agreement for more details.   
  EECU (Revision Date: 3-20-20)                                                                                                                                                                                                                  Page 2 of 2   
 
 
Billing  Rights:  Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Credit Card Agreement.  
 
The information about the costs of the credit cards described herein is accurate as of 4/1/2020.  This information may change after that date. To 
find out what may have changed, call 1 -800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101 -1777.  
 
SECURITY:  BY AGREEING TO THE T ERMS OF THE CREDIT C ARD AGREEMENT, OR BY  USING THE CARD  OR 
THE ACCOUNT , YOU  UNDERSTAND AND ACKN OWLEDGE THAT (1) YOU  WILL BE GRA NTING EECU  A 
CONSENSUAL SECURITY INTEREST IN ALL INDI VIDUAL AND JOINT ACC OUNTS YOU  HAVE WITH EECU , NOW 
AND IN THE FUTURE , TO SECURE REPAYMENT  OF CREDIT EXTENSION S MADE UNDER TH E CREDIT CARD  
AGREEMENT  AND  (2) THE GRANTING OF SUCH  SECURITY INTEREST I S A CONDITION FOR TH E ISSUANCE OF 
ANY CARD WHICH YOU  MAY USE, DIRECTLY O R INDIRECTLY, TO OBT AIN EXTENSIONS OF CR EDIT  FROM EECU .  
IF YOU ARE IN DEFAUL T UNDER THE TERMS OF THE CREDIT CARD AGRE EMENT, YOU AUTHORIZE E ECU TO 
TAKE MONE Y FROM  ANY OF YOUR NON -EXEMPT ACCOUNT S AND APPLY IT TO WHA T YOU OWE EECU.   IF YOU 
DON�T AGREE TO THE C ONSENSUAL SECURITY I NTEREST, YOU SHOULD NOT USE THE CARD OR THE 
ACCOUNT.  
 
You further understand and acknowledge that shares and deposits in an Individual Retirement Account or in any other 
account that would lose special tax t reatment under state or federal law if given as security are not subject to the security 
interest you are  giving.  
 
Any term, condition or provision in this credit transaction, or in any other agreement , document or disclosure, contrary to 
the Military Lending Act (MLA) are void for the period(s) during which you are entitled to the protections of the MLA.   The 
other terms, conditions and provisions will remain in effect.   
 
U.S. Patriot Act : Federal law requires us to obtain, verify, and record information that identifies each person who opens 
an account in order to help the government fight the funding of terrorism and money laundering activities.  To process the 
application and open an acc ount , we will ask for your name, street address, date of birth and other identifying information, 
and we may also ask for identifying documents .  
 
EECU issues your credit card under the Credit Card Agreement and Disclosure Statement (�Credit Card Agreement �) for your MasterCard� Account.  
 
Additional State Specific Disclosures : Texas law governs the Credit Card A greement and your Account without regard to 
conflicts of law.  
 
California residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant.  
As required by law, you are hereby notified that a negative c redit 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.  
 
Maryland residents:  You have the right under Maryland Commercial Law Section 12 -510 to receive an ans wer to a written inquiry concerning the status of your account.  Finance charges 
will be imposed on the outstanding balances from month to month in amounts or at rates not in excess of those permitted by la w.  
 
New Jersey residents:  Because certain provis ions of this agreement are subject to applicable law, they may be void, unenforceable or inapplicable in some jurisdictions.  None of these 
provisions, however, are void, unenforceable or inapplicable in New Jersey.   
 
New York and Vermont residents: At an y 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, yo u 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.  
 
Ohio residents: Ohio anti -discrimination laws require creditors to make credit equally available to al l credit worthy customers , and that credit reporting agencies maintain separate histories 
on each individual upon request .  The Ohio Civil Rights Commission administers compliance with this law.  
 
Oregon residents: Service charges not in excess of those per mitted by law will be charged on the outstanding balance from month to month.  You may pay more than the minimum payment 
due, up to your entire outstanding balance, at any time.  
 
Rhode Island residents:  A credit report may be requested in connection with  a credit card application.  
 
Vermont residents:  Notice to Co -signer � You signature on the note means that you are equally liable for repayment of this loan.  If the borrower does not pay, the le nder has equal right 
to collect from you.  
 
Married Wisconsin residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family.  No provision of a marital property agreement, a 
unilateral statement under Section 766.59 of the Wisconsin Statute s or a court decree under Section 766.70 of the Wisconsin Statues adversely affects the interest of the creditor unless 
the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actua l knowledge  of the adverse provision when the obligation to the 
creditor is incurred.  The creditor may give notice of the opening of any credit account to the applicant�s spouse.  IF YOU A RE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED 
UNDER THIS ACCOUNT WILL BE IN CURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.  
_____________________________________________________________________________________________________________________________ __________ ______  
1 The World Rewards MasterCard� and the Cash Rewards  MasterCard� offer enhanced rewards programs and are available as an option to qualified applicants 
only, based on creditworthiness.   Details regarding card benefits will be provided to you.  Certain restrictions apply and card benefits are subject to change.  All 
extensions of credit are subject to credit approval and EECU lending policies.  Y ou must be at least 18 years of age  and a U.S. citizen or permanent resident .  
Membership in EECU is required.   This limited time offer is subject to change at any time without notice.  
2 Subject to any applicable Introductory or Promotional Rate, after your Account has been open for at least one year, your APR for purchases and balance transfers 
may also change within the range stated above based on your creditworthiness.   
3 Prime Rate: Variable APRs are based on the 3.25% Prime Rate  as of 4/1/2020.  The Prime Rate is subject to change.   
4 EECU will not process any balance transfer requests that are from any other account or loan that EECU has issued.  Additional terms and conditions apply.      _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 1    
EECU  
PO Box 1777, Fort Worth, TX 76101 -1777  
 
CREDIT CARD AGREEMENT AND DISCLOSURE 
STATEMENT FOR MY MASTERCARD� ACCOUNT  
 
BY USING THE CARD  OR THE ACCOUNT , I AGREE 
TO ALL OF THE TERMS AND CONDIT IONS , AND 
PROMISE TO PERFORM A LL THE OBLIGATIONS, 
REQUIREMENTS, AND DU TIES CONTAINED IN TH IS 
AGREEMENT, AND I ACK NOWLEDGE RECEIPT OF A 
COPY OF THIS AGREEME NT AND ANY APPLICABLE 
SUPPLEMENTAL  OR ADDI TIONAL  DISCLOSURE . 
 
TERMS USED IN THIS AGREEMENT:  This Credit Card 
Agreement and Disclosure Statement covers my 
Platinum Plus MasterCard�, World Rewards  
MasterCard�, or Cash Rewards  MasterCard� credit card 
account  (�Account�) as applicable  (�Agreement�) . In this 
Agreement, the words �I,� �me,� �my,� �we,� �us,� �our,� 
�Applicant,� and �Cardholder� mean any person who signs 
this Agreement , is issued a Card , or uses the Card or the 
Account . �You,� �your,� and �Credit Union� mean the credit 
union named above. The �Card� means any credit card 
issued to me or those designated by me under the terms 
of this Agreement. �Use of the Card� means any 
procedure used by me, or someone authorized by me, to 
make a purchase or an advance whether or not the 
purchase or advance is evidenced by a signed written 
document. �Unauthorized use� means the use of my Card 
by a person, other than me, who does not have actual, 
implied, or apparent authority for such use, and from 
which I receive no benefit. In this Agreem ent, any plural 
terms shall be deemed singular and any singular terms 
shall be deemed plural when context and construction so 
require.  
 
COMMUNICATION S: TO HELP ENSURE QUA LITY 
MEMBER SERVICE, I CO NSENT TO THE 
MONITORING AND RECOR DING OF TELEPHONE 
CONVERSATIONS AND OT HER COMMUNICATIONS 
BETWEEN YOU AND ME.   
 
SUBJECT TO YOUR PRIV ACY POLICY, I AGREE 
THAT YOU MAY CONTACT  ME FOR ANY PURPOSE 
AT ANY ADDRESS (EL ECTRONIC OR OTHERWIS E) 
OR TELEPHONE NUMBER I HAVE PROVIDED TO 
YOU,  DIRECTLY OR INDIREC TLY,  INCLUDING ANY  
MAILING OR  PHYSICAL ADDRESS, E -MAIL 
ADDRESS, TELEPHONE  OR CELLULAR TELEPHON E 
NUMBER, AND THROUGH ANY OTHER THEN 
AVAILABLE COMMUNICAT ION CHANNEL SUCH AS  
TEXT MESSAGING  AND VOICE OVER INTE RNET 
PROTOCOL (V oIP) SERVICE .  VOICE AND DATA 
CHARGES IMPOSED BY M Y COMMUNICATIONS  
CARRIER  ARE  MY RESPONSIBILITY .  FOR ANY 
COMMUNICATION, INLCU DING TELEPHONE OR 
CELLUAR CALL , YOU PLACE OR OTHERWISE 
DIRECT TO ME, I AGREE THAT THOSE CALLS MAY 
BE AUTOMATICALLY DIA LED AND/OR USE PRE-
RECORDED /ARTIFICIAL VOICE MESSAGES.   
 IF I PROVIDE YOU AN E -MAIL ADDRESS, SUBJECT 
TO YOUR PRIVACY POLI CY, YOU MAY SEND EMAIL 
MESSAGES TO ME, INCL UDING THOSE 
CONCERNING  CURRENT AND ADDITION AL 
MEMBER BENEFITS AVAI LABLE TO ME.  
 
THIS AGREEMENT SHALL  CONSTITUTE MY 
EXPRESS WRITTEN CONS ENT, AS MAY BE 
REQUIRED BY ANY COMMUNICATIONS RELATED 
STATUTE , RULE OR REGULATION  INCLUDING, BUT 
NOT LIMITED TO, THE TELEPHONE  CONSUMER 
PROTECTION ACT , AS AMENDED .  
 
EXTENSION OF CREDIT:  If my application is approved, 
the Credit Union may, in its discretion, establish an 
Account in my name and cause one or more Cards to be 
issued to me or those designated by me. In such event, I 
authorize you to pay for my Account all items reflecting 
credit purchases, balance transfers, and cash advances 
obtained through use of the Card.  
 
TERMINATION .  You res erve the right to refuse to honor 
any request for credit, to reduce my credit limit or 
terminate my account at any time using your sole 
discretion, based on changes in the economy, the Credit 
Union's financial condition, my creditworthiness or for any 
other reason not prohibited by law.  
 
JOINT APPLICANT LIABILITY:  If this Agreement is 
executed by more t han one person, then notwithstanding 
any provision of this Agreement designating responsibility 
to any one Cardholder for remitting payments, we each 
shall be jointly and individually liable to you for all charges 
made to the Account, including applicable fees. In 
addition, we agree that each of us designates the other 
as agent for the purpose of making purchases extended 
under this Agreement and each use of our Account shall 
be an extension of credit to all.  Notice to one of us shall 
constitute notice to all. Any joint Cardholder may remove 
him or herself from responsibility for future purchases at 
any time by notifying the Credit Union in writing.  
However, removal from the Account does not release us 
from any liability already incurred.  
 
CONVENIENCE CHEC KS:  You may, at your discretion, 
issue checks to me which may be used for any purpose 
other than making a payment for credit to my Account.  By 
signing such checks, I authorize you to pay the item for 
the amount indicated and post such amount as a cash 
advance to my Account.  You do not have to pay any item 
which would cause the outstanding balance in my 
Account to exceed my credit limit.  Charges that apply in 
connection with the use of Convenience Checks  are 
reflected in this Agreement .  
 
STOP PAYMENT ORDERS: I agree that your rules for 
stopping payment on ordinary checks apply to stopping 
payment on my Convenience Checks. If I ask you to stop 
payment or renew a stop payment order, I will be charged 
for each order or renewal of each order t he amount then 
being charged under all of your checking accounts for 
stopping payment of an item.  
  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 2   OTHERS USING THE ACCOUNT:  If I allow anyone else 
to use my Card, I will be liable for all credit extended to 
such persons. I promise to pay for all purchases , balance 
transfers, and cash advances made by anyone whom I 
authorize to use my Card, whether or not I notify you that 
the person I authorize will be using it. If someone else is 
authorized to use my Card and I want to end that person�s 
privilege, I must notify you in writing, and if that person 
has a Card, I must return the Card with my written notice 
for it to be effective.  
 
CREDIT LIMITS:  I promise that payments you make for 
my Account resulting from use of the Card will at no time 
cause the outstanding  balance of my Account to exceed 
my credit limit as established by you or as adjusted from 
time to time at your discretion. If I exceed my credit limit, 
you can still charge me for all purchases and advances 
without giving up any of your rights. If I write  a 
Convenience Check that causes me to exceed my credit 
limit, you are under no obligation to pay such check, and 
it may be returned to the payee unpaid at your option.  
 
PROMISE TO PAY:  I promise to pay you or your 
designee in U.S. dollars for (a) all purc hases, cash 
advances, and balance transfers made by me or anyone 
whom I authorize to use the Card or Account; (b) 
INTEREST  CHARGES  and other charges or fees; (c) 
collection costs and attorney�s fees as permitted by 
applicable law, and any costs incurred in  the recovery of 
the Card; (d) credit in excess of my credit limit that you 
may extend to me ; and (e) other charges added to my 
Account under the terms of this Agreement or any other 
agreement with you.   At the end of each monthly billing 
cycle for which I  have a balance on my Account, I 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 
transfe rs, Late Charges, Annual Fees, INTEREST  
CHARGES , and other charges or fees posted to my 
Account during the billing cycle, (iii) the amount of all 
payments and credits posted to my Account during the 
billing cycle, and (iv) the �New Balance� which is the su m 
of (i) and (ii) minus (iii).  
 
I agree to pay on or before the �Payment Due Date� 
shown on the monthly periodic statement the entire New 
Balance or a Minimum Payment Due  of 2% of the New 
Balance or $30.00, whichever is greater, plus any amount 
in excess of the credit limit established by you and any 
past due minimum payments. If the New Balance is 
$30.00 or less, I agree to pay it in full. I may make extra 
payments in advance of the due date without a penalty, 
and I may repay any funds advanced, credit ex tended, 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 my Account.  
 
Minimum Payment Warning : If I make only the 
Minimum Payment each period, I will pay more in 
interest and it will take me longer to pay off my 
balance.   
Any payment submitted by me in the form of a check or 
other paper document may be converted to an electronic 
transaction through procedures established by the 
National Automated Clearing House Association.  If this 
occurs, the original check or other document that I send 
to you will not be returned, but a copy may be available if 
requested.  
 
You may, at your discre tion, withhold a portion of 
available credit on my Account up to the amount of any 
payments in order to assure that the check or other 
payment instrument is honored.  I may not make a 
payment on my Account using any credit or loan account 
(including withou t limitation, any instrument drawn of my 
Account) held at Credit Union , and you may refuse any 
such payments in your sole discretion.  
 
FEES:  Late Payment Fee: The greater of 5% of the 
Minimum Payment Due or $5, with a maximum fee of $25, 
but if the Minimum Payment Due for any statement period 
is ever less than $5, then the Late Payment Fee for that 
statement period will not exceed an amount equal to the 
Minimum Payment Due.  
 
Returned Payment Fee: $20 or an amount equal to the 
Minimum Payment Due, whi chever is less.  
 
Foreign Transaction Fee: Up to 1% of the transaction 
amount in U.S. dollars.  
 
Convenience Check Fees: Copy of paid check: $4.00; 
Stop Payment on Check: $20. Fees will be assessed at 
the time they are incurred.  
 
COST OF CREDIT: I will pay an INTEREST CHARGE  for 
all advances made against my Account. INTEREST 
CHARGES  for cash advances and balance transfers 
begin to accrue on the transaction date. New purchases 
will not incur an INTEREST CHARGE  on the date they 
are p osted to my Account if I have paid the Account in full 
by the Payment Due Date shown on my previous monthly 
statement, or if there was no previous balance.  
 
My Account may , as applicable,  feature an Introductory or 
Promotional ANNUAL PERCENTAGE RATE for ce rtain 
transaction or balance transfer categories.  If I am a 
qualified applicant and my Account features an 
Introductory or Promotional Rate , the Introductory or 
Promotional Rate will be non -variable .  If I am not a 
qualified applicant  and/or my Account do es not feature an 
Introductory or Promotional Rate , I will not qualify for the 
Introductory or Promotional Rate.  After an Introductory or 
Promotional  Rate period, if any, or if an Introductory or 
Promotional  Rate is not applicable when my Account is 
opened, the ANNUAL PERCENTAGE RATE for 
purchases and balance transfers is variable and may 
increase. The ANNUAL PERCENTAGE RATE for 
purchases and balance transfers is based on an index 
(the �Index�), which is the P rime Rate as published in the 
Money Rates section of  The Wall Street Journal  on the 
last business day of each month and is subject to change 
monthly. Any change in the Index will be effective on the  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 3   first day of the billing cycle following the date of the 
change. An increase in the Index will result in an increase 
in the periodic rate, which in turn, may result in higher 
payments. If The Wall Street Journal  does not publish the 
Prime Rate, or if it changes the definition of the Prime 
Rate, you may, in your sole discretion, substitute another 
index.  
 
INTRODUCTORY OR PROMOTIONAL RATE  � IF AND 
AS APPLICABLE : If I am a qualified applicant and my 
Account features an Introductory or Promotional Rate , 
balance transfers made within ninety (90) days of the 
anniversary date of the opening of my Account,  the daily 
periodic rate for balance transfers will be  non-variable at  
.027123 %, which corresponds to  an ANNUAL 
PERCENTAGE RATE  of 9.90% .   Otherwise, the daily 
periodic rate for balance transfers will be non -variable at 
.049288% , which corresponds to  an ANNUAL 
PERCENTAGE RATE  of 17.99 %.  Balance transfers may 
only be made from other companies or financial 
institutions to which I owe a balance .  I may not request a 
balance transfer on existing obligations I owe to you.  If I 
request a balance transfer that would cause my Account 
to exceed its credit limit, you may at your option, (a) post 
the entire balance transfer requested to my Account, (b)  
post only a portion of the balance transfer requested up 
to the amount of credit available under my Account, or (c) 
refuse to process the entire balance transfer requested.   
For all Accounts, the daily periodic rate for balance 
transfers , made ninety -one (91) days or more from the 
anniversary date of the opening my Account , will be 
based on my creditworthiness and will vary with the 
market based on the Prime Rate as more specifically 
herein provided.   
 
I understand that I should not trans fer any disputed 
purchase or other charge amount, as I may lose my 
dispute rights.  I also understand that I should continue to 
make payments on my other account until I have 
confirmed this balance transfer has been received.  Once 
approved, you may pay th e amount of the balance 
transfer directly to that issuer.  The available credit limit 
for my new card will be reduced by the total amount of the 
transfers, including any applicable fees, you approve.  I 
further understand that balance transfers are made 
available at your discretion.     
 
Subject to  any Introductory or Promotional Rate , for the 
Platinum Plus MasterCard� Account , the ANNUAL 
PERCENTAGE RATE  for purchases and balance 
transfers in any given billing cycle will be the Index plus a 
margin rate ranging from 6.74% - 14.74% , depending on 
my creditworthiness  and may be adjusted from time to 
time based on my credit standing.  The specific purchases 
and balance transfers ANNUAL PERCENTAGE RATE  
and margin rate for the Platinum Plus MasterCard� 
Account  will be set forth on the Additional Disclosure that 
will be provided to me after my application has been 
approved.  
 
Subject to any applicable Introductory or Promotional 
Rate , for the Platinum Plus MasterCard� Account, in 
addition to the variable -rate aspects of my Account , the ANNUAL PERCENTAGE RATE  for purchases and 
balance transfers is also based on certain 
creditworthiness criteria and may b e adjusted from time 
to time based on my credit standing. After my Platinum 
Plus MasterCard� Account has been open for at least one 
year, you may review my creditworthiness from time to 
time, including when I request a credit limit increase, and 
adjust my daily periodic rate for purchases and balance 
transfers within a range of .027370 % to .049288% ( 9.99% 
to 17.99%  ANNUAL PERCENTAGE RATE ) by notifying 
me in accordance with applicable law. If my ANNUAL 
PERCENTAGE RATE  is changed based on my 
creditworthiness, my margin rate will be adjusted. 
Increases in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will remain in effect for at least 
six months and may remain in effect indefinitely. Any 
change in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will only apply to purchase and 
balance transfer advances made after the effective date 
of the change if the change is an increase in my ANNUAL 
PERCENTAGE RATE , and will apply to both existing 
balances of pu rchases and balance transfers and new 
purchase and balance transfer advances made after the 
effective date of the change if the change is a decrease in 
my ANNUAL PERCENTAGE RATE . Purchase and 
balance transfer balances existing before the effective 
date of a rate increase due to a change in my margin rate 
will remain subject to the ANNUAL PERCENTAGE RATE  
in effect before the date of the change.  
 
Subject to  any applicable Introductory or Promotional 
Rate , for the World Rewards  MasterCard� Account,  the 
ANNUAL PERCENTAGE RATE  for purchases and 
balance transfers in any given billing cycle will be the 
Index plus a margin rate ranging from 7.74% - 14.74% , 
depending on my creditworthiness  and may be adjusted 
from time to time based on my credit standing. The 
specific purchases and balance transfers ANNUAL 
PERCENTAGE RATE  and margin rate for the World 
Rewards MasterCard� Account  will be set forth on the 
Additional Disclosure that will be provided to me after my 
application has been approved.  
 
Subject to any  applicable  Introductory or Promotional 
Rate, for the World Rewards MasterCard� Account, in 
addition to the variable -rate aspects of my Account , the 
ANNUAL PERCENTAGE RATE  for purchases and 
balance transfers is also based on certain 
creditworthiness criter ia and may be adjusted from time 
to time based on my credit standing. After my World 
Rewards  MasterCard� Account has been open for at least 
one year, you may review my creditworthiness from time 
to time, including when I request a credit limit increase, 
and adjust my daily periodic rate for purchases and 
balance transfers within a range of .030110 % to 
.049288% (1 0.99% to 17.99%  ANNUAL PERCENTAGE 
RATE ) by notifying me in accordance with applicable law. 
If my ANNUAL PERCENTAGE RATE  is changed based 
on my creditworthiness, my margin rate will be adjusted. 
Increases in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will remain in effect for at  least 
six months and may remain in effect indefinitely. Any 
change in my ANNUAL PERCENTAGE RATE due to  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 4   changes in my margin rate will only apply to purchase and 
balance transfer advances made after the effective date 
of the change if the change is an incr ease in my ANNUAL 
PERCENTAGE RATE , and will apply to both existing 
balances of purchases and balance transfers and new 
purchase and balance transfer advances made after the 
effective date of the change if the change is a decrease in 
my ANNUAL PERCENTAGE RA TE. Purchase and 
balance transfer balances existing before the effective 
date of a rate increase due to a change in my margin rate 
will remain subject to the ANNUAL PERCENTAGE RATE  
in effect before the date of the change.  
 
Subject to  any applicable Introd uctory and Promotional 
Rate s, for the Cash Rewards  MasterCard� Account , the 
ANNUAL PERCENTAGE RATE  for purchases and 
balance transfers in any given billing cycle will be the 
Index plus a margin rate ranging from 8.74% - 14.74% , 
depending on my creditworthiness  and may be adjusted 
from time to time based on my credit standing. The 
specific purchases and  balance transfers ANNUAL 
PERCENTAGE RATE  and margin rate for the Cash 
Rewards  MasterCard� Account  will be set forth on the 
Additional Disclosure that will be provided to me after my 
application has been approved.  
 
Subject to any applicable Introductory or Promotional 
Rate, for the Cash Rewards MasterCard� Account, in 
addition to the variable -rate aspects of my Account , the 
ANNUAL PERCENTAGE RATE  for purchases and 
balance transfers is also based on certain 
creditworthiness criteria and may be  adjusted from time 
to time based on my credit standing. After my Cash 
Rewards MasterCard� Account has been open for at least 
one year, you may review my creditworthiness from time 
to time, including when I request a credit limit increase, 
and adjust my da ily periodic rate for purchases and 
balance transfers within a range of .032849 % to 
.049288% (1 1.99% to 17.99%  ANNUAL PERCENTAGE 
RATE ) by notifying me in accordance with applicable law. 
If my ANNUAL PERCENTAGE RATE  is changed based 
on my creditworthiness, my margin rate will be adjusted. 
Increases in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will remain in effect for at least 
six months and may remain in effect indefinitely. Any 
change in my ANNUAL PERCENTAGE RATE due to 
changes in my margin rate will only apply to purchase and 
balance transfer advances made after the effective date 
of the change if the change is an increase in my ANNUAL 
PERCENTAGE RATE , and will apply to both existing 
balances of pu rchases and balance transfers and new 
purchase and balance transfer advances made after the 
effective date of the change if the change is a decrease in 
my ANNUAL PERCENTAGE RATE . Purchase and 
balance transfer balances existing before the effective 
date of a rate increase due to a change in my margin rate 
will remain subject to the ANNUAL PERCENTAGE RATE  
in effect before the date of the change.  
  
Cash advances are always subject to non -variable daily 
periodic rate of .049288% , which corresponds to an 
ANNUAL  PERCENTAGE RATE of 17.99% .   
 For all Accounts, the daily periodic rate for purchases and 
balance transfers will never be greater than .049288% , 
which corresponds to an ANNUAL PERCENTAGE RATE  
of 17.99% .  
 
Cash advance, balance transfer, and convenience check 
transactions do not qualify for any applicable rewards, nor 
do unauthorized transactions or transactions deemed to 
be illegal .   
 
The information about the costs of the credit cards 
described herein is accurate as of April  1, 2020.  This 
information may change after that date.  To find out what 
may have changed, call 1 -800-333-9934 or write to EECU 
at PO Box 1777, Fort Worth, TX 76101 -1777.  
 
A portion of the INTEREST CHARGE  is figured by 
applying the applicable daily periodic rate to the Average 
Daily Balance of my Account for each feature category, 
including certain current transactions. Feature categories 
include purchases, balance transfers, and cash 
advances. The Average  Daily Balance is arrived at by 
taking the beginning balance of each feature category 
each day and adding any new transactions to the balance, 
except if I have paid my Account in full by the Payment 
Due Date shown on the previous monthly statement or 
there  is no previous balance, new purchases are not 
added to the purchases feature category balance. 
Balance transfers may be shown on my statement in the 
Promotions feature category. When determining 
balances, you may combine feature category balances 
that hav e the same periodic rate and other INTEREST 
CHARGE terms. You then subtract any payments or 
credits and unpaid INTEREST CHARGES  allocated to 
the feature category balance for the day. This gives you 
the daily balance for the feature category. The daily 
balances for each feature category are then added 
together and divided by the number of days in the billing 
cycle. The result is the Average Daily Balance for each 
feature category. The periodic INTEREST CHARGE  is 
determined by multiplying each feature categor y Average 
Daily Balance by the number of days in the billing cycle 
and applying the applicable daily periodic rate to the 
product. The Total Interest for each statement period is 
the sum of the periodic INTEREST CHARGES  for each 
feature category. The Total  Fees for each statement 
period is the sum of any non -periodic INTEREST 
CHARGES plus any other fees charged.  
 
No additional INTEREST CHARGES  will be imposed on 
new purchases shown on my statement if the New 
Balance shown on the statement is paid in full by  the 
Payment Due Date reflected on the statement.  The 
Payment Due Date is not less than 25 days from the billing 
cycle closing date shown on my statement.  
 
 
 
 
 
 
 
  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 5   Cash Rewards  MasterCard� Accounts  ONLY  
 
CASH BACK REWARDS TE RMS AND CONDITIONS 
FOR THE CASH REWARDS  MASTERCARD�  
 
Cash Rewards  MasterCard� Accounts earn a 1.5%  cash 
back reward credit on net purchases. No minimum 
purchase requirements or maximum limits apply. The 
cash back reward is paid each calendar quarter in the 
form of an automatic credit to the Account.  Rewards 
have no cash value, cannot be converted to cash, and 
cannot be transferred.  Cash advance, balance transfer, 
and convenience check transactions do not earn cash 
back rewards, nor do unauthorized transactions or 
transactions deemed to be illegal. Transactions that 
involve the purchase of financial instruments or funds 
transfers such as money orders, prepaid cards, and wire 
transfers do not earn cash b ack rewards, nor do finance 
charges, fees, and credit insurance premiums charged to 
the account. If merchandise is returned or purchase cre dit 
is otherwise issued to the A ccount, the Credit Union  will 
make a corresponding adjustment that will reduce the 
cash back rewards balance.  
 
The Account must remain open and in good standing to 
earn and receive cash back rewards. Cash back reward 
credit may be delayed or forfeited if payment is received 
late. If the Account is closed or terminated before a cash 
back re ward is paid, any pending reward credit will be 
forfeited. If the Account is in default as defined in this 
Agreement or if the A ccount or any cardholder is not in 
good standing as determined by the Credit Union  in its 
sole discretion, the Credit Union  may suspend or 
terminate participation in the program and any unpaid 
cash back reward may be forfeited.  
 
The cash back rewards program is open to U.S. residents 
only and is void where prohibited by law. Account holders 
are responsible for any federal, state, a nd local taxes that 
may apply. The program is subject to the Credit Union�s  
policies and procedures and applicable law, and any 
interpretation of these terms or any other aspect of the 
program shall be in the Credit Union�s  sole and absolute 
discretion.  The Credit Union  may suspend or terminate 
the cash back rewards program or the participation of any 
account or cardholder in the program at any time and for 
any reason, subject to any notice required by applicable 
law. Payment of cash back rewards may be de layed due 
to circumstances beyond the Credit Union�s  control. The 
Credit Union  may add to, change, or delete these Terms 
and Conditions at any time by notifying the primary 
cardholder or posting such changes on the Credit Union  
or the GoToMyCard.com  websit e. Use of the Card after 
notification or posting of such changes constitutes 
acceptance of any and all  changes.  
 
LIABILITY FOR UNAUTHORIZED USE:   I may be liable 
for the unauthorized use of my Card. If I notice the loss or 
theft of my Card or a possible unauthorized use of my 
Card, I should call the Credit Union�s processing center 
immediately at:  
(800) 442 -4757  
 I may also write to the processing center at:   
  
Credit Card Center  
P.O. Box 815909  
Dallas, TX 75381 -5909  
Although I may write to notify you of unauthorized use, 
calling you immediately at the telephone number above 
is the best way to keep my possible losses down.  
Under MasterCar d�s zero liability policy, I will not be 
liable for any unauthorized use of my MasterCard� once 
I notify you orally or in writing of the loss, theft, or possible 
unauthorized use and if I meet the following conditions: 
(i) I have ex ercised reasonable care in safeguarding the 
Card  from risk of loss or theft , and (ii) upon becoming 
aware of such loss or theft, promptly report the loss or 
theft to you.   
I will not be liable for any unauthorized use that occurs 
after I notify you. I may, however, be liable for  
unauthorized use that occurs before my notice to you. In 
any case, my liability will not exceed $50.00.  
I will be liable for all transactions that I authorize.   
 
CREDITING OF PAYMENTS:  The Credit Union does not 
charge for payments made by standard mail service or 
any other standard payment methods approved by the 
Credit Union. If a fee is charged for any expedited 
payment service the Credit Union offers, that fee will be 
disclosed to me  at the time I request the service. All 
payments made on my Account at the address 
designated for payment on the monthly periodic 
statement or by any other payment method you accept 
will generally be credited to my Account on the date of 
receipt.  If the d ate of receipt for a mailed payment is not 
a business day, my payment may not be credited until the 
first business day following receipt. Payments received in 
person by one of your branch employees before the close 
of business at the branch office will rec eive same -day 
credit. IF PAYMENT IS MADE AT ANY LOCATION 
OTHER THAN THE DESIGNATED ADDRESS ON THE 
PERIODIC STATEMENT OR BY ANY OTHER 
PAYMENT METHOD APPROVED BY YOU, CREDIT 
FOR SUCH PAYMENT MAY BE DELAYED UP TO FIVE 
DAYS.  My Minimum Payment Due will be app lied first to 
collection costs, then to any Late Payment Fees, then to 
any INTEREST  CHARGE  due, and then to the unpaid 
principal balance. Amounts paid in excess of the Minimum 
Payment Due will be applied first to the balances with the 
highest interest rate . Interest paid or agreed to be paid 
shall not exceed the maximum amount permissible under 
the applicable law, and in any contingency whatsoever, if 
you shall receive anything of value deemed interest under 
applicable law which would exceed the maximum amo unt 
permissible under applicable law, the excess interest shall 
be applied to the reduction of the unpaid principal amount 
or refunded to me.  
 
LATE PAYMENT FEE:   If a payment is ten (10) days or 
more past due, I will be charged a Late Payment Fee . 
 
ANNUAL FEE:    None.   _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 6    
RETURNED PAYMENT FEE: You will charge me a 
Returned Payment Fee each time I pay you with a check 
or other form of payment that is returned unpaid. You will 
charge me this fee the first time any payment is returned 
unpaid, even if it is paid u pon resubmission.  
 
CONSENSUAL SECURITY INTEREST  
IN MY ACCOUNTS  
 
I SPECIFICALLY GRANT YOU A CONSENSUAL 
SECURITY INTEREST IN ALL INDIVIDUAL AND 
JOINT ACCOUNTS I HAVE WITH YOU , NOW AND 
IN THE FUTURE , TO SECURE REPAYMENT OF 
CREDIT EXTENSIONS MADE UNDER THIS 
AGREEMENT . I ACKNOWLEDGE AND 
UNDERSTAND THAT THE GRANTING OF THIS  
SECURITY INTEREST IS  A CONDITION FOR  THE 
ISSUANCE OF ANY CARD WHICH I MAY USE, 
DIRECTLY OR INDIRECTLY, TO OBTAIN 
EXTENSIONS OF CREDI T UNDER THIS 
AGREEMENT .   IF I AM IN DEFAULT U NDER THE 
TERMS OF THIS AGREEM ENT, I AUTHORIZE 
YOU TO TAKE MONEY  FROM ANY OF MY NON -
EXEMPT ACCOUNT S AND APPLY IT TO WHA T I 
OWE YOU.  IF I DO NOT AGREE TO THE 
CONSENSUAL SECURITY INTEREST, I SHOULD 
NOT USE THE CARD OR THE ACCOUNT .  THIS 
PROVISION IS A MATER IAL INDUCEMENT FOR 
THE OPENING AND MAIN TAINING OF MY 
ACCOUNT.  
 
Shares and d eposits in an Individual Retirement Account 
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 I am giving.   
 
ADDITIONAL SECURITY:   IF I HAVE OTHER LO ANS 
WITH  YOU, NOW OR IN THE FUTURE, COLLATERAL 
SECURING THOSE LOANS  MAY ALSO SECURE MY 
OBLIGATIONS UNDER TH IS AGREEMENT.  I 
UNDERSTAND THAT I SH OULD READ ANY SECURI TY 
AGREEMENT I SIGN IN ORDER TO DETERMINE I F 
THE COLLATERAL ALSO SECURES MY 
OBLIGATIONS UNDER TH IS AGREEMENT AND ANY 
OTHER AGREEMENTS I H AVE WITH YOU.  
 
DEFAULT:   I will be in default: (1) if I fail to make any 
payment on time; (2) if I fail to keep any promises I have 
made under this or any other agreement I have with you; 
(3) if I become insolvent or if  I am 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 my money 
maintained with you; (5) if I have given you false or 
inaccurate information in obtaining my Card  or my 
Account; (6) if my Card is canceled or if surrender is 
demanded by you; (7) if I die; or (8) if you reasonably 
believe that I am unable or unwilling to repay or perform 
my obligations to you.  
 ACCELERATION:   If I am in default, without notice to me, 
you may accelerate my debt and call any amounts I owe 
immediately due and payable, plus  accrued  INTEREST  
CHARGES,  which shall continue to accrue until the entire 
amount is paid.  I expressly waive any right to no tice of 
your intention to accelerate and notice that my debt has 
been accelerated.  
 
TERMINATION AND CHANGES:   I may terminate this 
Agreement, by written notice, as to future advances at any 
time. You 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 my 
obligation to repay any payments made for my Account 
resulting from use of the Card or my Account as well as 
INTEREST  CHARGE S and other related charges.  YOU 
MAY ADD TO, CHANGE, OR D ELETE THE TERMS OF 
THIS AGREEMENT, INCL UDING THE PERIODIC 
RATE, AT ANY TIME SU BJECT TO SUCH NOTICE  AS 
MAY BE REQUIRED BY A PPLICABLE LAW.   YOU 
ALSO RESERVE THE RIG HT TO CHANGE THE 
BENEFIT FEATURES ASS OCIATED WITH MY CARD  
AT ANY TIME AND  FROM TIME TO TIME.  
 
NOTIFICATION ADDRESS FOR INFORMATION 
REPORTED TO CONSUMER REPORTING AGENCIES:   
You may report the status and payment history of my 
Account to credit reporting agencies each month. If I 
believe that the information you have reported is  
inaccurate or incomplete, I understand that I should notify 
you in writing at the address shown at the beginning of 
this Agreement. I will include my name, address, home 
telephone number and Account number in any 
correspondence for this purpose.  
 
CREDIT INVESTIGATION:   I understand and agree that 
you may investigate my employment and credit history 
and obtain credit reports for credit applications and for 
updates, renewals or extensions of the credit granted.  
Upon request, you will inform me if a report has been 
obtained and will give me the name and address of the 
agency that furnished the report.  I ALSO AGREE THAT 
YOU MAY OBTAIN AND U SE CREDIT REPORTS AN D 
OTHER INFORMATION AB OUT ME THAT YOU HAVE  
OBTAINED IN A LAWFUL  MANNER CONSISTENT 
WITH YOUR P RIVACY POLICIES, FOR  SUBSEQUENT 
SOLICITATIONS OR FOR  ANY OTHER LAWFUL 
PURPOSE.   I also authorize you to report information 
concerning my Account to credit bureaus and to anyone 
else you believe in good faith has a lawful and legitimate 
need for such information.  
 
YOUR CREDIT CARD ACCOUNT AND YOUR MOBILE 
PHONE OR OTHER MOBILE DEVICE S: Smart phones,  
some tablets or other mobile and wearable devices (a 
"mobile device") can download, store,  and/or access 
account information,  for instance through a mobile wallet,  
that may enable you to use the mobile device to purchase  
goods or services,  make a  balance transfer,  or make a 
cash advance.  In certain instances,  those transactions will 
replicate using my Card or Account to make a transaction 
on the internet . In other instances,  the mobile device will 
act as if it were a credit card itself.   Applications that  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 7   enable my mobile device will have  unique terms 
governing those applications.  Read them carefully.  
Transactions made through those  applications are 
governed by this Agreement . 
 
When my Card and/or A ccount information is accessible 
by my mobile device,  it is important that I treat my mobile 
device with the same care I would my Card. For example,  
I should secure my mobile device against  unauthorized 
access.  If I give someone my mobile device  that can be 
the same as giving  that person my Card and/or access to 
my Account . 
To the extent that I use a third party/mobile device to 
make a credit transaction on my Account, or load 
information about my Account onto any such device, I 
need to be aware that you do not control the device and 
cannot, and do not, guarantee the performance of the 
device or third party.  
Further, I may incur third party fees related to engaging in 
a transaction (such as mobile carrier data or me ssaging 
charges).  Credit transactions made through a third 
party/mobile device may involve electronic transmission 
of information related to me or my Account across 
wireless or computer networks.  Third parties, such as 
merchants, card association network s, mobile carriers, 
mobile wallet operators, and software application 
providers may use and receive information in connection 
with a credit transaction.  Third parties may also receive 
information about your mobile device when you use it to 
make a credit t ransaction.   
You may, at any time, partially or fully restrict  my ability to 
make credit transactions through a third party/mobile 
device.   
ADDITIONAL PROVISIONS:    
 
Our Liability for Failure to Complete Transactions . If you 
do not complete a transaction pursuant to any request, 
and/or in the correct amount, you may be liable for my 
losses or damages. However, there are some exceptions.  
 
You will not be liable, for instance:  
 
� if through no fault of yours , I do not have 
adeq uate funds available to complete the transfer;  
� if circumstances beyond your control (such as 
fire, flood, terrorist attack, national emergency, or 
computer or communication failure) prevent the 
completion of the transaction, despite reasonable 
precautions  you have taken;  
� if access to my Card and/or Account has been 
blocked after I reported my Card lost or stolen;  
� if there is a hold on my Card and/or Account for 
any reason;  
� if my funds are subject to legal process or other 
encumbrance restricting their u se;  
� if my authorization (s) terminates by operation of 
law;  
� if a computer system or mobile device was not 
working properly and I knew about the problem when 
I initiated the transaction;  
� if you have reason to believe that the requested 
transaction is not authorized; or  � as otherwise provided in this Agreement.  
 
Entire Agreement  and Separation of Unlawful Provisions . 
This Agreement is the entire agreement between you and 
me concerning my Card and the Account. 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 Agreem ent 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.  
  
Governing Law . I understand that this Agreement is 
performable in Tarrant County, Texas, a nd the validity, 
construction, and enforcement of this Agreement shall be 
governed by applicable federal law and the laws of the 
State of Texas.  
 
No Warranty .  You do not warrant any merchandise or 
services purchased by me with the Card  or Account .  All 
purchases and cash advances are extended at the option 
of the merchant or cash -advancing financial institution 
and you are not responsible for the refusal of any 
merchant or financial institution to honor my Card  or 
Account .  
 
Ownership of Card . The Card re mains your property at all 
times, and I agree to immediately surrender the Card 
upon demand.   
 
Costs of Collection . I 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.  
 
Irregular Payments . You can accept late payments or 
partial payments, or checks or money orders marked 
�payment in full� without losing any of your rights under 
this Agreement.   
 
Rights Preserved . You can also waive or delay enforcing 
any of your  rights under this Agreement any number of 
times without losing them.   
 
Wavier of Presentment, Demand and Notice . I expressly 
waive presentment for payment, demand, protest, and 
notice of protest and dishonor of same.   
 
Address Change .  I agree to give you prompt notice of any 
change in my name, physical address, mailing address, 
email address, telephone number , cellular telephone 
number , and place of employment.  
 
Inability to Pay . I promise not to obtain an advance or 
credit extension under this A greement if I know there is a 
reasonable probability that I will be unable to repay my 
obligation according to the terms of the credit extension. I 
promise to inform you of any new information which 
relates to my ability to repay my obligation.  
 
Submissio n of True and Correct Information . I promise not 
to submit false or inaccurate information or willfully 
conceal information regarding my creditworthiness, credit 
standing, or credit capacity.   _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 8    
Limitations and Account Closure . You may , with or 
without written notice to me,  close my Account, reduce 
my credit limit, suspend and/or cancel my Account 
privileges at any time. I nevertheless remain responsible 
to pay the balance according to the terms of this 
Agreement and any changes under it.  
 
Change in Terms .  Use of the Card or my Account, 
after having been provided with a notice or posting 
of a change in terms ( as required by law), shall 
constitute my unconditional agreement to be bound 
by any such change d terms .  
 
Illegal Transactions .  I may not use my Card for any illegal 
transaction.  I agree that you may decline to process any 
transaction which you believe in good faith to be for an 
illegal purpose  or which may involve activities, you believe 
may violate a law or pose significant risk t o you or your 
members.   I agree that you will not be liable for declining 
to process any such transaction.  If you do process any 
transaction which ultimately is determined to have been 
for an illegal purpose, I agree that I will remain liable to 
you under  this Agreement for any such transaction 
notwithstanding its illegal nature. I agree that any illegal 
use of the Card or Account will be deemed an act of 
default under this Agreement.  I further agree to waive any 
right to take legal action against you for  my illegal use of 
the Card and to indemnify and hold you and MasterCard 
International, Incorporated harmless from and against 
any lawsuits, other legal action, or liability that results 
directly or indirectly from such illegal use.  
 
International Transact ions. If I effect an international 
transaction with my MasterCard� Card .  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 
exchange rate or a wholesale exchange rate selected by 
MasterCard International for the applicable currency on 
the day the transaction is processed, which rate may differ 
from the applicable rate on the date the transaction 
occurred or when the transaction is posted to my Account. 
I will be ch arged a Foreign Transaction Fee on all 
international purchase, cash disbursement, and Account 
credit transactions, even if the transaction is charged in 
U.S. dollars. There is no grace period within which to 
repay international transactions in order to avo id the 
Foreign Transaction Fee.  
 
Authorizations . You and your agents are not responsible 
if anyone refuses to honor my Card , my Account  or a 
Convenience Check, o r if authorization for a particular 
transaction is not given.  The number of transactions I 
make in one day may be limited, and the limit per day may 
vary. Although I may have credit available under my 
Account, you may be unable to authorize credit for a 
particular transaction. These reasons  include, but are not 
limited to, default, suspected fraudulent or unlawful 
activity, internet gambling, or any indication of increased risk related to the transaction. For security reasons, you 
cannot explain the details of  how the authorization system 
works.   If my Account is over the credit limit or delinquent, 
authorization o f credit for transactions may be declined.  
You are not responsible for anything purchased with my 
Account, the  Card or a Convenience Check , except a s 
expressly required by law. I must return goods I 
purchased with the Card or Account to the merchant and 
not you. Transactions at some merchants (such as hotels, 
car rental companies, restaurants, and gas stations) may 
result in temporary authorizations f or amounts greater 
than the actual purchase amount, which will make less 
credit available on my Account for several  days . 
 
My Non-Binding Instructions . Unless required by law , or 
you have agreed otherwise in writing, you are not 
required to act upon any consent or instruction I give you 
via telephone, facsimile transmission, electronic 
transmission, or voice mail.  You may, however, in your 
sole discretion, act upon the consent or instruction I give 
you via telephone, facsimile transmission, electronic 
transmission, or voice mail and that any such consent or 
instruction will , for all purposes,  be binding upon me to 
the fullest extent permitted by law  as though I had 
provided you an original writing signe d by me .   
 
WAIVER OF TRIAL BY J URY .  UNLESS PROHIBITED 
BY LAW,  AND TO THE FULLEST EX TENT PERMITED 
BY LAW,  I WAIVE  ANY  RIGHT  TO TRIAL  BY JURY  
IN ANY  LEGAL  PROCEEDING  INVOLVING  THIS 
AGREEMENT, THE CARD AND/ OR MY  ACCOUNT.   
THIS PROVISION IS A MATERIAL INDUCEMENT FOR 
THE OPENING AND MAIN TAINING OF MY ACCOUN T. 
 
WAIVER OF CLASS ACTI ON RIGHTS . UNLESS 
PROHIBITED BY LAW, AND TO THE FULLEST 
EXTENT PERMITED BY L AW, I (I) WAIVE AND 
RELEASE ANY AND ALL CLASS ACTION RIGHTS I 
MAY HAVE, NOW AND IN  THE FUTURE, AGAINST  
YOU  (AND YOUR DIRECTORS, OFFIC ERS, 
MEMBERS, EMPLOYEES, REPRESENTATIVES OR 
AGENTS, AND THEIR RE SPECTIVE EXECUTORS, 
LEGAL REPRESENTATIVE S, HEIRS, SUCCESSORS , 
AND ASSIGNS) AND (II) AGREE THAT I WILL NOT 
PARTICIPATE, DIRECTL Y OR INDIRECTLY, UND ER 
ANY CIRCUMSTANCES, I N ANY TYPE OF CLASS 
ACTION CLAIM, DEMAND , ACTION, CAUSE OF 
ACTION, OR SUCH OTHE R SIMILAR LEGAL ACTI ON, 
REGARDLESS OF NAME, OR ASSIST ANY PERSON  
OR ORGA NIZATION, IN THE PAR TICIPATION OF A 
CLASS ACTION CLAIM, DEMAND, ACTION, CAUS E 
OF ACTION, LAWSUIT, OR SUCH OTHER SIMILA R 
LEGAL ACTION, REGARD LESS OF NAME, AGAINS T 
YOU  (OR YOUR DIRECTORS, OFFIC ERS, MEMBERS, 
EMPLOYEES, REPRESENT ATIVES OR AGENTS, AN D 
THEIR RES PECTIVE EXECUTORS, L EGAL 
REPRESENTATIVES, HEI RS, SUCCESSORS, AND 
ASSIGNS) FOR ANY REA SON.   BUT FOR MY WAIVER 
AND RELEASE OF ALL O F MY CLASS ACTION 
RIGHTS, IF ANY, YOU WOULD NOT HAVE OFFER ED 
ME MEMBERSHIP IN THE C REDIT UNION AND 
WOULD NOT HAVE OFFER ED ME FINANCIAL 
PRODUCTS AND SERVICE S, INCLUDING THE  _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 9   ACCOUNT .  THIS PROVISION IS A MATERIAL 
INDUCEMENT FOR THE O PENING AND 
MAINTAINING OF MY AC COUNT.  
 
 
Force Majeure . In no event will you be liable for, or be 
considered to be in breach of  this Agreement because  of, 
any default or delay in performance of any of your 
obligations  occasioned by occurrences, causes or 
contingencies considered �force majeure� including, but 
not limited to, breach or default by a supplier or vendor; 
strike; riot; lock out; labor dispute; inability to procure 
materials, labor or equipment; emergency; d isruption or 
failure of public utilities, transportation, communication or 
information systems; fire, ice or snow storm, flood 
earthquake, tornado or other closures due to storms or 
other natural disasters or acts of God ; destruction of 
facilities; epidemi c or other catastrophe; invasion, war, 
revolution, insurrection or acts of terrorism; public health 
crises; injunction; demand of any government authority; 
or any other occurrence, cause , or contingency beyond 
your control.  
 
Electronic Instruments . I agree that any and all 
agreements, notices, forms, documents,  instruments, 
orders, instructions and other writings which you retain 
relating to my Account, may, at your option, be kept in 
any number of formats including, but not limited to, 
paper, imaged, dig ital, electronic, scanned, filmed or as 
technology otherwise permits, now and in the future, and 
that any such formats of any such agreements, notices, 
forms, documents, instruments, orders, instructions, and 
other writings shall be considered an original for all of 
your purposes and shall satisfy any record retention 
requirements, contractually and as otherwise required by 
law.  If I request that you provide me with an original or 
copy of a n agreement, notice, form, document, 
instrument, instruction, order or other writing pertaining 
to my Account, I understand and agree that any one of 
the above -referenced formats are acceptable and shall 
satisfy the contractual or legal obligation, if any, you owe 
to me.  I understand and agree that you may, at your 
option, accept, treat or otherwise rely on a copy of my 
signature, or a stamp or facsimile  signature,  as an 
original for all of your purposes, including the legal 
enforcement of this Agreement an d other applicable 
agreements and other documents, without the necessity 
of obtaining or producing an original thereof.   
 
Investigations . I agree to unconditionally cooperate with 
you in the investigation of any loss, including providing 
you with an affidavit(s) containing whatever reasonable 
information you require concerning my Account, the 
transaction, and the circumstances surrounding the loss.  
I will also complete a report (s) (e.g., police report) with 
the appropriate law enforcement authorities describing 
the criminal activities and acts related to my Account and 
the claim of loss.  I further agree to cooperate with the 
law enforcement authorities in the arrest and prosecution 
of anyone associated with the loss.  I understand and 
agree that my right to continue to use my Account is 
conditioned upon my unconditional cooperation with  you 
and the appropriate law enforcement authorities.  
 Personal Identification Number (PIN) .  You ma y issue me 
a Personal Identification Number (PIN) for use with my 
Card.  This PIN is confidential and should not be 
disclosed to anyone.  If a PIN is issued, I may use my 
PIN and my Card to access my Account, and all sums 
advanced will be added to my Accou nt balance.  In the 
event a use of my PIN constitutes an Electronic Funds 
Transfer, the terms and conditions of my Electronic 
Funds Transfer Agreement may affect my rights.  I should 
not write my PIN on my Card or keep my PIN in my purse 
or wallet or anywhere else where someone might find it 
and associate it with my Card.  If applicable, I should not 
use an ATM unless it appears safe to do so.  I should not 
key in my PIN if so meone is looking and I should be sure 
to take my Card and receipt when I am done.  Owners 
of ATMs that you do not own may charge fees in 
addition to any fees disclosed in this Agreement.   
This is not a fee charged by the Credit Union; 
however, any such fe e will be added to my A ccount. 
The party charging the fee is required to provide 
appropriate disclosures to me with regard to any 
such fees.  
 
Skip Payments (If Applicable) .  At your option, a 
minimum payment may be waived during certain billing 
cycles.  If  such a waiver occurs, INTEREST CHARGES 
will continue to apply to the Account during the skip 
payment billing cycle.  Beginning with the billing cycle 
following the skip payment, all provisions of this 
Agreement shall apply.  
 
Assignment of Claims .  If I dispute a charge with a 
merchant, you may credit my Account for all or part of the 
disputed charge.  If you do so, I hereby assign and 
transfer to you all rights and claims (excluding tort claims) 
against the merchant.  I agree that I will not purs ue any 
claim against the merchant for the credited amount.  And, 
I must cooperate in good faith with you if you decide to 
pursue any such claim against the merchant.  
 
Survival .  The provisions of this Agreement which, by 
their terms, are intended to survi ve termination or closure 
of my Account, shall survive any such termination or 
closure.  
 
Limitations on Account and Services for Members Who 
Reside in Non -US Countries or Territories . The Credit 
Union may limit, refuse, close or terminate any account or 
service if: (1) the Credit Union  deem s it necessary due to 
legal/regulatory requirements of a foreign country that are 
not directly applicable to US residents; or (2) the Credit 
Union  deem s it to be in the Credit Union�s best interests 
to not provide accounts or services due to potential 
exposures or obligations under non -US laws, rules or 
regulations.   
 
Transactions Involving Crypto currency or Other Digital 
Asset  are Prohibited . Use of the Card or the Account to 
purchase cryptocurrency (e.g., Bitcoin) or other digital 
asset is expressly prohibited.  In the unlikely event the 
purchase of  cryptocurrency or other digital asset is not 
blocked, I am nevertheless responsible for the payment 
of any  such charge(s).  I AGREE TO HOLD YOU 
HARMLESS FROM ANY AN D ALL LOSES 
ASSOCIATED WITH SUCH  PURCHASE.   _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 10    
Security and Card Block . Certain purchases and cash 
advances require authorization prior to completion of the 
transaction . In some cases, I may be asked to provide 
identification to complete a transaction.  If your system is 
not working, you may not be able to authorize a 
transaction, even though I have sufficient credit 
available.  Also, f or security reasons, you may block t he 
use of the Card and/or the Account in certain countries 
and geographic regions.  The Credit Union will have no 
liability to me or others if any of these events occur.  
 
Additional Benefits/Card Enhancements . The Credit 
Union may from time to time offer a dditional services to 
my Account, such as travel accident insurance, purchase 
rewards or rebates at no additional cost to me.  I 
understand that the Credit Union is not obligated to 
continue or to offer such services and may withdraw or 
change them at any time, without notice . If these benefits 
are withdrawn prior to any accrued use by me, the Credit 
Union will have no obligation to provide the benefit or 
enhancement, or any other compensation or 
consideration.  
 
Assignment of Account .  I may not transfer or assign my 
Account or Card to any other person. The Credit Union 
may assign or transfer this Account, my Account 
balance, and this Agreement to another person, who will 
have all of your rights hereunder.  
 
Binding Effect .  This Agreement  is binding on my heirs 
and legal representatives.  If there are joint obligors or 
authorized users for this credit plan, each of us will have 
the right to use the Account to obtain loans pursuant to 
the terms hereof. Any one obligor�s elections, 
transacti ons and directions to the Credit Union shall be 
binding upon all obligors. Each of us will be liable for all 
obligations owing on the Account whether borrowed by 
me or otherwise and whether within or beyond the credit 
limit.  My liability will be joint and  several.  Further each 
of us is responsible for all amounts borrowed by any 
authorized user(s).  Authorized users and other users 
may also be required to repay the amount owed for 
charges they make; however, I remain, at all times, 
primarily responsible f or all amounts owed.  
 
U.S. Patriot Act : To help the government fight the 
funding of terrorism and money laundering 
activities, Federal law requires that all financial 
institutions obtain, verify, and record information 
that identifies each person who opens an account.   
 
What this means to me:  When I open an account, you 
will ask for my name, address, date of birth and other 
information that will allow you to identify me.  You 
may also ask to see my driver�s license or other 
identifying documents .  
 
 
 
 
 
 
 
 ----------------------------- ---XXXX----------------------------------  
 
(IF AND AS APPLICABLE ) 
 
MILITARY LENDING ACT  DISCLOSURE & 
ADDENDUM  � Active Military Members and Their 
Dependents .   
 
IMPORTANT :  The following  terms govern and 
replace any contrary terms in any agreements I have 
with the Credit Union IF (a) at the time I initiate the 
credit transaction, I am an active member of the military 
or I am a dependent of an active member of the military 
(as those terms and defined in the Military Lending Act, 
10 U.S.C. 987 and its implementing regulations) (�MLA�); 
and (b) my credit transaction is unsecured or secured by 
personal property that I did not purchase with the 
proceeds of the credit transaction.  Such credit 
transaction shall be called a �Covered Transaction.�  
 
A.  Military Lending Act Disclosure:  FEDERAL LAW 
PROVIDES IMPORTANT P ROTECTIONS TO 
MEMBERS OF THE ARMED  FORCES AND THEIR 
DEPENDENTS RELATING TO EXTENSIONS OF 
CONSUMER CREDIT.  IN  GENERAL, THE COST O F 
CONSUMER CREDIT TO A M EMBER OF THE ARMED 
FORCES AND HIS OR HE R DEPENDENT MAY NOT 
EXCEED AN ANNUAL PER CENTAGE RATE OF 36 
PERCENT.  THIS RATE MUST INCLUDE, AS 
APPLICABLE TO THE CR EDIT TRANSACTION OR 
ACCOUNT: THE COSTS A SSOCIATED WITH CREDI T 
INSURANCE PREMIUMS;  FEES FOR ANCILLARY 
PRODUCTS SOLD IN CON NECTION WITH THE 
CREDIT TRANSACTION; ANY APPLICATION FEE 
CHARGED (OTHER THAN CERTAIN APPLICATION 
FEES FOR SPECIFIED C REDIT TRANSACTIONS O R 
ACCOUNTS); AND ANY P ARTICIPATION FEES 
CHARGED (OTHER THAN CERTAIN PARTICIPATI ON 
FEES FOR A CREDIT CA RD ACCOUNT).  TO RECEIVE 
THE DISCLOSURES ORAL LY, PLEASE CALL US 
TOLL FREE  AT 1-844-595-7532 . 
 
B.  Military Annual Percentage Rate (MAPR)*  
The MAPR does not exceed 36% using Department of 
Defense rules.  For the Annual Percentage Rate on my 
credit transaction, see my promissory note (as 
applicable), my credit card agreement (as applicable), 
and disclosures.  
 
*The MAPR is calculated pursuant t o a separate set 
of rules adopted by the Department of Defense.  
These rules are not the same as the rules for 
calculating the Annual Percentage Rate (APR) for 
consumer loans under the Truth in Lending Act and 
Regulation Z.  The MAPR includes certain fees and 
charges excluded under the Truth in Lending Act.  In 
the event my credit transaction relates to a credit 
card account, certain reasonable bona fide fees may 
be excluded from the MAPR.  The MAPR is governed 
by 32 CFR �232, whereas the APR is governed by  12 
CFR �1026.  
 
C.   If I or any of my dependents are expressly covered 
and entitled to the protections provided by the Military 
Lending Act, then the following applies:   _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 11   (i) Lien on Accounts and Cross -
Collateralization:  This credit transaction will not be 
secured by a consensual lien on shares or deposits in any 
of my accounts unless I specifically agree to establish an 
account in connection with this credit transaction 
(�Sec ured Account�).  Only funds deposited into the 
Secured Account after the credit transaction is made will 
secure this credit transaction or advance.  Any cross -
collateralization provision contained in my credit 
transaction or membership documents will not a pply to 
this credit transaction or the Secured Account.  
Exception:  However, with regard to this credit 
transaction, we still reserve our statutory lien rights and 
any resulting rights to set -off or administrative freeze 
under federal or state law, which gives us the right to apply 
the sums in the Secured Account or any other account(s) 
I have with you to satisfy my obligations under this credit 
transaction.  Any contract terms in my credit transaction, 
security, or membership agreements that contradict th e 
above with regard to this credit transaction are hereby 
void with regard to the Covered Transaction.  
 
(ii) Arbitration and Notice:  This credit 
transaction is not subject to mandatory arbitration or legal 
notice provisions and therefore any contract ter ms in my 
credit transaction, security, or membership agreements 
that contradict the above with regard to this credit 
transaction are hereby void with regard to Covered 
Transaction.  
 
(iii)  Waivers:   This credit transaction is not 
subject to the waiver of a ny right to legal recourse under 
any state or federal law, including the Servicemembers 
Civil Relief Act and therefore any contract terms in my 
credit transaction, security, or membership agreements 
that contradict the above with regard to this credit 
transaction are hereby void with regard to Covered 
Transaction.  
 
(iv) Continued Effectiveness:  Any term, 
condition or provision in this credit transaction, or in any 
other agreement, document or disclosure, contrary to the 
MLA are void for the period(s) durin g which I am entitled 
to the protections of the MLA.   The other terms, 
conditions and provisions will remain in effect.  
 
(v) Payment Obligation:  I am required to make 
all payments pursuant to the terms set forth in my other 
credit transaction or account a greements and 
disclosures which are incorporated herein by reference.  
 
 
-------------------- ---------- XXXX------------------------ -------------  
 
 
MY BILLING RIGHTS  
 I Understand That I Should Keep this Document for 
Future Use  
 
This notice tells me about my rights and your 
responsibilities under the Fair Credit Billing Act.  
 
What to Do if I Find a Mistake on My Statement : If I think there is an error on my statement, I understand 
that I must write to the Credit Union�s processor at:  
 
Cardmember Services  
P.O. Box 815909  
Dallas, TX 75381 -5909  
 
In my letter, I must give you the following information:  
� Account information: My name and account 
number.  
� Dollar amoun t: The dollar amount of the 
suspected error.  
� Description of problem: If I think there is an error 
on my statement, I will describe what I believe is 
wrong and why I believe it is a mistake.  
 
I must contact you:  
� Within 60 days after the error appeared on my  
statement.  
� At least 3 business days before an automated 
payment is scheduled, if I want to stop payment 
on the amount I think is wrong.  
 
I must notify you of any potential errors in writing . I may 
call you, but if I do you are not required to investigate any 
potential errors and I may have to pay the amount in 
question.  
 
What Will Happen After You Receive My Lette r: 
 
When you receive my letter, you must do two things:  
1. Within 30 days of receiving my letter, you must 
tell me that you received my letter. You will 
also tell me if you have already corrected the 
error.  
2. Within 90 days of receiving my letter, you must 
either correct the error or explain to me why 
you believe my statement is correct.  
 
While you investigate whether or not there has been an 
error:  
� You cannot try to collect the amount in question, 
or report me as delinquent on that amount.  
� The charge in question may remain on my 
statement, and you may continue to charge me 
interest on that amount.  
� While I do not have to pay the amount in question, 
I am responsible for the remainder of my balance.  
� You can apply any unpaid amount against my 
credit limit.  
 
After you finish your investigation, one of two things will 
happen:  
� If you made a mistake: I will not have to pay the 
amount in questio n or any interest or other fees 
related to that amount.  
� If you do not believe there was a mistake: I will 
have to pay the amount in question along with 
applicable interest and fees. You will send me a 
statement of the amount I owe and the date 
payment is d ue. You may then report me as 
delinquent if I do not pay the amount you think I 
owe.   _____________________________________________________________________ __________________________________________________________________  
EECU (Revision Date: 3-20-20)  Page 12    
If I receive your explanation but still believe my 
statement is wrong, I must write to you within 10 
days telling you that I still refuse to pay. If I do so, 
you cannot report me as delinquent without also 
reporting that I am questioning my statement. 
You must tell me the name of anyone to whom 
you reported me as delinquent, and you must let 
those organizations know when the matter has 
been settled between us.  
 
If you do  not follow all of the rules above, I do not 
have to pay the first $50 of the amount I question 
even if my bill is correct.  
 
My Rights if I am Dissatisfied with My Credit Card 
Purchases : 
If I am dissatisfied with the goods or services that I have 
purchased with my credit card, and I have tried in good 
faith to correct the problem with the merchant, I may have 
the right not to pay the remaining amount due on the 
purchase. To use this right, all of the following must be 
true: 
 
1. The purchase must ha ve been made in my home state 
or within 100 miles of my current mailing address, and the 
purchase price must have been more than $50. (Note: 
Neither of these are necessary if my purchase was based 
on an advertisement you mailed to me, or if you own the 
company that sold me the goods or services.)  
 
2. I must have used my credit card for the purchase. 
Purchases made with cash advances from an ATM or with 
a check that accesses my credit card account do not 
qualify.  
 
3. I must not yet have fully paid for the pu rchase. If all of 
the criteria above are met and I am still dissatisfied with 
the purchase, I must contact you in writing  at: 
 
Cardmember Services  
P.O. Box 815909  
Dallas, TX 75381 -5909  
 
While you investigate, the same rules apply to the 
disputed amount as discussed above. After you finish 
your investigation, you will tell me your decision. At that 
point, if you think I owe an amount and I do not pay, you 
may report me as delinquent.  
 
The S pecial Rules for credit card purchases do not apply 
to purchases made  with convenience checks or balance 
transfer checks.  
 
CUSTOMER SERVICE:  1-800-442-4757 � 24 hours a 
day / 7 day s a week. (Callers should have their Account 
information available.)