Common use of Late Payment Fee Clause in Contracts

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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT.

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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT. EARNING POINTS: You will earn (“Points”) for all purchases of eligible goods and services using your Rewards Card. Points are earned at a rate of 1.5 point per $1 spent on qualifying purchases. The calculation for Points earned is based on whole dollars and is rounded to the nearest whole dollar, i.e. $21.25 = $21 = 31.5 points; $49.51 = $50 = 75 points). There is no limit to the number of Points you can earn in a billing cycle or within a Program year. The Program year is based on the month of the Program registration (i.e. account opening). Points accumulated for other products or services are determined at the sole discretion of the Sponsor and GECU. GECU reserves the right to amend the types of purchases that qualify to earn points, to include special Reward Promotions that the Credit Union may offer from time to time. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. To be eligible to earn Points, your account(s) must be open (meaning not closed, canceled or terminated for any reason) and the Rewards Card cannot be delinquent and/or over the limit. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to your Rewards Card during each day. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the Point value of the transaction may be deducted from the Point total during the dispute period. If the transaction is reinstated, points will be reinstated. If more than one card has been issued for the same account, the Points earned from each card will automatically be pooled together into one available Point balance. Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor and GECU. The Sponsor and GECU reserve the right to award bonus Points for any activity or condition it decides, to include awarding bonus points for promotional periods to qualifying cardholders. Points are not your property and cannot be bought, sold, or transferred in any way (including upon death or as part of a domestic relations matter). Points are tracked and redeemable on first-in, first-out basis. Refer to the redemption website (xxxx.xxx) for point expiration details. GECU, the Sponsor and Administrator shall have no liability for disagreements with you regarding points. The Sponsor’s decisions regarding Point discrepancies shall be final.

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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… Fee $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT.

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 isless 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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… Fee $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT.

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 Expedited Card Fee… Fee $29.50 Balance Transfer Stop Payment Fee… $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT.

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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. SHARES AND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT 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 GIVINGor 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENTCollateral securing other loans with us may also secure payments for your Account under this Agreement.

Late Payment Fee. If your Minimum Payment due is not posted to your Account on or before the Payment Due Date, we will apply a Late Payment Fee based on the outstanding balance of your Account (as of the Closing Date of the Billing Cycle for which your payment is 10 days late), as follows: (i) for a balance less than or more past equal to $100, a Late Payment Fee of $15; (ii) for a balance of $100.01 up to $500, a Late Payment Fee of $29; (iii) a balance greater than $500, a Late Payment Fee of $39. However, the Late Payment Fee will never be greater than the Minimum Payment due. Overlimit Fee: If your New Balance exceeds your Credit Line on the Closing Date of the Billing Cycle, we will apply an Overlimit Fee of $29 to your Account. Returned Payment Fee: If any payment received in payment of your Account is returned to us unpaid for any reason, you will may be charged a Late Returned Payment Fee of up to $25. However, the Returned Payment Fee will never be greater than the Minimum Payment Due. If we return unpaid any Convenience Check (including any Promotional Check), or Balance Transfer Check you may be charged a Returned 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 $25However, the Returned Payment Fee will never be equal greater than the Amount of the check we return. Documentation Fee: You may request a copy of a statement previously sent to you for a Documentation Fee of $5 per statement, which will be added to your minimum payment.* *MULTIPLE FEES: In Account balance. Copies of sales tickets or other items posted to your Account, and all other correspondence, may be obtained for a Documentation Fee of $5 per sales ticket or other posted item, or item of correspondence, which will be added to your Account balance. Notwithstanding the event that the Late Payment Fee and the Returned Payment Fee apply concurrentlyforegoing, we will not charge you more than one impose any fee for in connection with your good faith assertion of a single event. OTHER FEESbilling error or other exercise of your Billing Rights (see below under “Your Billing Rights: Convenience Check Fee $4.00 Duplicate Statement Fee $5.00 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENTKeep This Document For Future Use”).

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 Expedited Card Fee… $29.50 Balance Transfer Stop Payment Fee… Fee $25.00 Telephone Operator Assistance Fee (for expedited service) $5.00 SECURITY: YOU GRANT THE CREDIT UNION A SECURITY INTEREST UNDER THE UNIFORM COMMERCIAL CODE AND UNDER ANY COMMON LAW RIGHTS THE CREDIT UNION MAY HAVE IN ANY GOODS YOU PURCHASE. 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 EXTENSIONS 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. 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. YOU MAY WITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. UNLESS OTHERWISE PROHIBITED BY FEDERAL AND/OR STATE LAW, COLLATERAL SECURING OTHER LOANS YOU HAVE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THIS ACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY IN ANY OTHER AGREEMENT. EARNING POINTS: You will earn (“Points”) for all purchases of eligible goods and services using your Rewards Card. Points are earned at a rate of 1.5 point per $1 spent on qualifying purchases. The calculation for Points earned is based on whole dollars and is rounded to the nearest whole dollar, i.e. $21.25 = $21 = 31.5 points; $49.51 = $50 = 75 points). There is no limit to the number of Points you can earn in a billing cycle or within a Program year. The Program year is based on the month of the Program registration (i.e. account opening). Points accumulated for other products or services are determined at the sole discretion of the Sponsor and GECU. GECU reserves the right to amend the types of purchases that qualify to earn points, to include special Reward Promotions that the Credit Union may offer from time to time. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. To be eligible to earn Points, your account(s) must be open (meaning not closed, canceled or terminated for any reason) and the Rewards Card cannot be delinquent and/or over the limit. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to your Rewards Card during each day. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the Point value of the transaction may be deducted from the Point total during the dispute period. If the transaction is reinstated, points will be reinstated. If more than one card has been issued for the same account, the Points earned from each card will automatically be pooled together into one available Point balance. Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor and GECU. The Sponsor and GECU reserve the right to award bonus Points for any activity or condition it decides, to include awarding bonus points for promotional periods to qualifying cardholders. Points are not your property and cannot be bought, sold, or transferred in any way (including upon death or as part of a domestic relations matter). Points are tracked and redeemable on first-in, first-out basis. Refer to the redemption website (xxxx.xxx) for point expiration details. GECU, the Sponsor and Administrator shall have no liability for disagreements with you regarding points. The Sponsor’s decisions regarding Point discrepancies shall be final.