Military Star Card Online Application

AGENCY DISCLOSURE NOTICE
Army & Air Force Exchange Service
MILITARY STAR® Card Application
(Read Agency Disclosure Notice, Privacy Act Statement, and Instructions before completing form.)
AGENCY DISCLOSURE NOTICE
OMB CONTROL NUMBER: 0702-0137
OMB EXPIRATION DATE: OCT 31, 2025
The public reporting burden for this collection of information, 0702-0137, is estimated to average 2
minutes per response, including the time for reviewing instructions, searching existing data sources,
gathering and maintaining the data needed, and completing and reviewing the collection of information.
Send comments regarding the burden estimate or burden reduction suggestions to the Department of
Defense, Washington Headquarters Services, at [email protected]. Respondents should be aware that notwithstanding any other
provision of law, no person shall be subject to any penalty for failing to comply with a collection of
information if it does not display a currently valid OMB control number.
PRIVACY ACT STATEMENT
AUTHORITY: 10 U.S.C. 7013, Secretary of the Army; 10 U.S.C. 9013, Secretary of the Air Force; Federal
Claims Collection Act of 1966 (Pub.L. 89-508, as amended) and Debt Collection Act of 1982 (Pub.L. 97365, as amended), as amended by the Debt Collection Improvement Act of 1996 (Pub.L. 104-134,
section 31001) as codified in 31 U.S.C. §3711, Collection and Compromise; 31 CFR 285.11,
Administrative Wage Garnishment; DoD Instruction 1330.21, Armed Services Exchange Regulations;
DoD 7000.14-R, Department of Defense Financial Management Regulation Volume 13:,
“Nonappropriated Funds Policy” and Volume 16: “Department of Defense Debt Management”; Army
Regulation 215-8/Department of the Air Force Instruction 34-110 (I), Army and Air Force Exchange
Service Operations; and E.O. 9397 (SSN), as amended.
PRINCIPAL PURPOSES(S): To determine an individual’s credit worthiness, monitor account activity,
process account purchases, payments and/or collections, answer patron’s questions about their
account, determine indebtedness and eligibility to cash checks at Exchange facilities, administer and
respond to questions about the Federal Claims Collection Act, and post to Exchange Accounts
Receivable and audit results.
ROUTINE USE(S): Your records may be disclosed outside of DoD pursuant to Title 5 U.S.C. §552a(b)(3)
regarding DoD “Blanket Routine Uses” published at https://pclt.defense.gov/DIRECTORATES/Privacyand-Civil-Liberties-Directorate/Privacy/Blanket-Routine-Uses/. This includes disclosure to the
Department of the Treasury, and a debt collection agency with which the United States has contracted
for collection services to recover debts owed to the United States. To any employer (person or entity)
that employs the services of others and that pays their wages or salaries, where the employee owes a

delinquent nontax debt to the United States. The term employer includes, but is not limited to, State and
local governments, but does not include any agency of the Federal Government. To consumer reporting
agencies pursuant to 5 U.S.C. 552a(b)(12) as defined in the Fair Credit Reporting Act (14 U.S.C. 1681a(f))
or the Federal Claims Collection Act of 1966 (31 U.S.C. 3701(a)(3)). The purpose of this disclosure is to
aid in the collection of outstanding debts owed to the Federal government; typically, to provide an
incentive for debtors to repay delinquent Federal government debts by making these debts part of their
credit report. The disclosure is limited to information necessary to establish the identity of the
individual, including name, address, and taxpayer identification number (Social Security Number); the
amount, status, and history of the claim; and the agency or program under which the claim arose for the
sole purpose of allowing the consumer reporting agency to prepare a commercial credit report. This
disclosure will be made only after the procedural requirement of 31 U.S.C. 3711(f) has been followed.
DISCLOSURE: Voluntary, however, failure to provide all the requested information may result in the
denial of your application for inadequate data.
INSTRUCTIONS
1. Please complete application in its entirety to ensure timely processing.
2. Follow all directions printed on the application.
3. Please read the terms and conditions prior to submitting your application.
4. Questions should be directed to Exchange Credit Program Contact Center at 1-877-891-7827.

Exchange Credit Program Account Opening Disclosures
EXCHANGE CREDIT PROGRAM ACCOUNT OPENING DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

13.99% for Retail Plan purchases
This APR will vary with the market based
on the Prime Rate.

0.00% for Military Clothing Plan
purchases
Penalty APR and When it
Applies

21.99%
This APR will vary with the market based
on the Prime Rate. This APR may be
applied to all of your Account balances
and new purchases, if you do not pay
the full amount of any Total Minimum

Payment Due within 60 days of its
Payment Due Date.
How Long Will the Penalty APR
Apply? If your APRs are increased for
this reason, the Penalty APR will apply
until you make six consecutive payments
of
the Total Minimum Payment Due by their
Payment Due Dates, beginning with the
first Total Minimum Payment Due that is
due immediately after the Penalty APR
takes effect.
How to Avoid Paying
Interest

Your due date is at least 25 days after
the close of each billing cycle. We will
not charge you any interest on
purchases if you pay your entire balance
by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge
will be no less than $0.50.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider
when applying for or using a credit card,
visit the website of the Consumer
Financial Protection Bureau at consumer
finance.gov / learnmore

Fees
Annual Fee

None.

Penalty Fees


Returned Payment

Up to $25

How We Will Calculate Your Balance: We use a method called “daily balance.” See your MILITARY STAR
Credit Program Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided
in your MILITARY STAR Credit Program Agreement.

MILITARY LENDING ACT DISCLOSURE
Federal law provides important protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and
his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as
applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for
ancillary products sold in connection with the credit transaction; any application fee charged (other than credit
application fees for specified credit transactions or accounts); and any participation fee charged (other than
certain participation fees for a credit card account).
Please refer to Section 12 of the Military Star Credit Card Agreement to see how your monthly minimum
payment is calculated.

Please call toll- free 1-877-891-7827 to hear this disclosure orally.

Variable APRs are based on the 7.00% Prime Rate in effect as of 10/30/2025, which remained in effect as of
a date not more than 30 days before you received these Account Opening Disclosures. The variable APR for
Retail Plan purchases is 13.99% (a Daily Periodic Rate of 0.03833%), based on a Margin of 6.99% that we
added to this Prime Rate. The variable Penalty APR is 21.99% (a Daily Periodic Rate of 0.06025%), based
on a Margin of 14.99% that we added to this Prime Rate.

EXCHANGE CREDIT PROGRAM AGREEMENT
This EXCHANGE CREDIT PROGRAM Agreement ("Agreement") governs the MILITARY STAR Private
Label Revolving Credit Account (“Account”) available through the Exchange Credit Program and administered
by the Army and Air Force Exchange Service (“AAFES”), P.O. Box 650410, Dallas, TX 75265-0410. Your
Account application and other documents we provide to modify or supplement this Agreement are
incorporated into and made a part of the Agreement by reference. Please read the entire Agreement carefully
before you use or permit the use of the Account and keep it for your records.
1. Definitions and General Terms: In this Agreement, the terms “we,” “us,” and “our” mean the Account
creditor to which you applied for an Account or from which you obtain Account credit (AAFES, the Navy
Exchange Service Command, the Marine Corps Exchange, or Coast Guard Exchange Service), and any
entity to which your Account or its unpaid balance may be assigned. The terms “you” and “your” refer to the
individual who applied for and accepted an Account and the terms of this Agreement (see Section 2). The
term “Authorized User” is defined below in Section 5. Any reference to a “Card” means any card we issue to
you or an Authorized User that is used to access your Account. Other capitalized terms used below are
explained in the context of their first use.
Whenever this Agreement states that we may take certain actions, it means we are authorized to take those
actions in our sole discretion. Whenever this Agreement requires or allows you to provide us with a written
notice or request related to your Account, you must send that notice or request to Army and Air Force
Exchange Service, Exchange Credit Program, P.O. Box 650410, Dallas, TX 75265-0410, unless we have
instructed you otherwise in this Agreement, a periodic Account statement, or another document we might
provide after this Agreement becomes effective.
2. When Agreement Is Effective: You understand and agree that this Agreement is effective as of the first
date you or an Authorized User use a Card or the Account.
3. Your Promise to Us: You agree to the terms and conditions in this Agreement and promise to do
everything this Agreement requires of you. You agree to pay us for all purchases charged to the Account by
you and any Authorized User. You agree to pay the Interest Charges (see Section 10 below), Account Fees
(see Section 11 below), and all other fees, charges, costs, and expenses as provided in this Agreement,
including, without limitation, those described in Section 16 below (“Default and Remedies”).
4. Account Eligibility: Eligible Exchange patrons who satisfy our creditworthiness standards may open and
maintain an Account with us. We receive notification from the Department of Defense regarding the status of
eligible patrons and use this information to determine eligibility for an Account. You and your Authorized
Users may not make purchases with the Account once your eligibility has ended. An individual presenting a
power of attorney form or identified as your attorney-in-fact cannot open an Account in your name or on your
behalf as an account holder. The Account creditor to which you apply for an Account or from which you obtain
Account credit (AAFES, Navy Exchange Service Command, Marine Corps Exchange, or Coast Guard
Exchange Service) will determine whether you are eligible to use your Account for making Military Clothing
Plan purchases.
5. Authorized Users: You may authorize eligible dependents (as defined by the Department of Defense)
who are 18 years or older, with current Exchange privileges, to use the Account as an “Authorized User”. To
do so, you must identify the Authorized User in the Account application or in a written request you send to us
after the Account is opened. You may remove an Authorized User by contacting the Exchange Call Center at
877-891-7827 or making the request in writing. No one other than you may add or remove the authority of
any Authorized User to use the Card or the Account, even if that person has been designated to act for you
through a Power of Attorney. You understand and agree that Authorized Users may use the Account and
Card to make purchases from us and to may make Account payments on your behalf. You also understand
and agree that you are liable for all amounts due for the Account under the Agreement, including amounts

due for Account purchases made by you and by any Authorized User. Authorized Users may not change the
mailing address or electronic mail address of the Account.
6. Eligible Account Purchases: You and each Authorized User may use the Account to purchase qualifying
goods and services from us, subject to the terms and conditions of this Agreement. Depending on the
Account we maintain for you under this Agreement, you and each Authorized User may use the Account to
purchase qualifying goods and services from us under our Retail Plan, Military Clothing Plan (if you qualify),
and any Special Promotion plan we may offer from time to time. Any Account purchases returned to us will
result in a credit to your Account, not a cash refund, and may be subject to a restocking fee. Account
purchases are subject to the terms of our Retail Plan, unless we determine that those purchases qualify for
different treatment under the Military Clothing Plan or a Special Promotion. Terms that apply to a Special
Promotion are described in this Agreement, except to the extent those terms are changed by promotional
disclosures that modify or supplement this Agreement. Account purchases that qualify for the Military Clothing
Plan (formerly UCDPP) are limited to the following: Defense Supply Center Philadelphia (DSCP) procured
issue military clothing items and footwear; DSCP organizational clothing and individual equipment (OCIE)
items; AAFES commercial uniform clothing, undergarments, insignia and footwear items to be worn with the
uniform. Military clothing and equipment offered by other vendors are not eligible for the Military Clothing
Plan. You understand and agree that this Account may be used only for personal, family or household
purposes, and may not be used for any commercial or business purposes. You agree not to use the Account
or permit it to be used to purchase goods or services intended for resale to any person or party other than
you. You also agree not to use the Account or Card or permit them to be used for any illegal transaction or
purpose.
7. Credit Limits and Available Credit: The Credit Limit of your Account is the maximum amount you may
owe us at any time. The Available Credit of your Account is the amount of credit that remains available to
you, up to the amount of your applicable Credit Limit. We may restrict or delay the Available Credit of your
Account for risk management purposes, to protect you and us against actual or potential fraud or
unauthorized transactions, and for other legitimate reasons. We may establish separate Credit Limits for the
Retail Plan and the Military Clothing Plan. When you do not have enough Available Credit to complete a
purchase under the Military Clothing Plan, we may allow you to complete that purchase under the Retail Plan
(subject to the Available Credit, Interest Charges, Account Fees and other terms and conditions that
otherwise apply to Retail Plan purchases). Your Credit Limits will be shown on your monthly Account
statements (“Periodic Statements”). You must ensure that your Account balances do not exceed the Credit
Limits we set for your Account from time to time, even if we electronically or manually authorize an Account
purchase. If your Account balance is more than your applicable Credit Limit, we can still charge you for any
and all Account purchases, Interest Charges and Account Fees, and require that you immediately pay any
amount exceeding your Credit Limit, without giving up any of our rights under this Agreement. We may
increase or decrease your Credit Limits at any time without advance notice to you, subject to any
requirements or limitations of applicable law. An Authorized User, an individual presenting a power of
attorney form or otherwise identified as your attorney-in-fact, may not request an increase of decrease in the
credit limit assigned to your Account.
8. Purchase Authorizations: We may ask that you or any Authorized User provide identification documents
to confirm eligibility for an Account purchase. We may decline to authorize any purchase requested on your
Account. If the system we use to authorize Account purchases is not working, we may not authorize a
purchase, even if your Available Credit is sufficient for that purchase. We will not be liable to you if this
occurs. We may not authorize a purchase if you are in Default (see Section 16 below), if the Available Credit
under the Account has been suspended or cancelled for any reason, if you have not followed our procedures
for requesting a purchase, or for other reasons. You will be bound by any policy we disclose, such as “no
returns,” “no refund,” “no return or credit without receipt,” “as is,” “store credit only,” “all sales final,” or similar
statements.
9. Periodic Statements; Billing Cycles: We will, as required by law, send a Periodic Statement to you or
your designee after the end of each Billing Cycle. Each Periodic Statement will show the ending date of the
most recent Billing Cycle (the “Closing Date”). A Billing Cycle refers to the number of days between Closing
Dates. Each Periodic Statement will show the total amount you owed as of the Closing Date of your prior
Periodic Statement (the “Previous Balance”), and the amounts added to and subtracted from the Previous
Balance to determine the total amount you owe as of your most recent Closing Date (the “New Balance”).
The Periodic Statement will show the minimum amount you must pay (the “Total Minimum Payment Due”)
and the date on which your payment is due (the “Payment Due Date,” which will be at least 25 days after the
Closing Date). See Section 12 below for more information about how your Total Minimum Payment Due is
determined. Only one Periodic Statement will be sent each month to the address of record for your Account

(see Section 15 below). Your Billing Cycle may be changed at any time and for our convenience, as permitted
by law.
You should review each Periodic Statement carefully. Subject to any limitations or requirements of applicable
law, you may be bound by what the Periodic Statement shows if there is a billing error on your Periodic
Statement and you do not advise us of the error within 60 days after we have mailed it to you. For more
information about billing disputes and your rights, read the section below called “Your Billing Rights.”
10. Interest Charges:
A. Daily Periodic Rates; Index for Variable Rate Adjustments. The Daily Periodic Rate used to determine
your periodic rate finance charges (“Interest Charges”) is determined by dividing the corresponding Annual
Percentage Rate by three hundred sixty five (365) or, in a leap year, by three hundred sixty six (366). The
resulting Daily Periodic Rate is carried five places past the decimal point, and the last digit is rounded. The
Daily Periodic Rates and Annual Percentage Rates applied to Retail Plan and Special Promotion balances
may vary from monthly Billing Cycle to monthly Billing Cycle, based on published changes in the index rate
that applies to your Account. If your Account balances become subject to the Penalty APR as described
below in Section 10(G), the Daily Periodic Rates and Annual Percentage Rates we apply to all of your unpaid
Retail Plan, Special Promotion, and Military Clothing Plan balances may vary from monthly Billing Cycle to
monthly Billing Cycle, based on published changes in the index rate that applies to your Account. Each
variable Daily Periodic Rate and corresponding Annual Percentage Rate is based on the value of a published
index rate plus the Margins described below in Section 10(D), in Section 10(G), or in separate documents
that modify or supplement this Agreement. The index rate used for variable rate adjustments will be the
highest bank prime loan rate published in “Money Rates” section of The Wall Street Journal on the Closing
Date of your previous Billing Cycle or the business day immediately before that Closing Date (the “WSJ Prime
Rate”). Changes in an index rate will be effective as of the first day of a monthly Billing Cycle. An increase in
the index rate will result in increased Interest Charges and an increased Total Minimum Payment Due.
B. How We Calculate Balances Subject to Interest Rate. We figure the Interest Charges for your Account
by applying the Daily Periodic Rate to the “Daily Balance” of your Account (including new purchases) for each
day in the Billing Cycle. We calculate a separate Daily Balance for each of the different categories of your
Account (for purchases made under the Retail Plan, the Military Clothing Plan, and any Special Promotions).
To get the “Daily Balance” for each Account category, we take the beginning balance of your Account each
day in each category, add any new purchases, and then subtract any unpaid Interest Charges, unpaid
Account Fees, unpaid costs and charges of collection, payments and credits. This gives us the Daily Balance
for each category of your Account.
C. Grace Period. The Periodic Statement for the Billing Cycle with the most recent Closing Date is your
“Current Statement.” New purchases shown for the first time on your Current Statement will begin to accrue
Interest Charges from the date of the purchase, except as provided in this Agreement or as otherwise
required by law. New purchases shown for the first time on your Current Statement will not begin to accrue
Interest Charges until the first day of the following Billing Cycle if: (a) there is no Previous Balance or there is
a credit balance for the Billing Cycle shown on your Current Statement; or (b) the sum of payments and
credits we received during the Billing Cycle shown on your Current Statement was at least equal to the
Previous Balance shown on that Current Statement. To avoid additional Interest Charges, you must pay the
full New Balance shown on the Current Statement by the Payment Due Date shown on the same Periodic
Statement. We will give you the benefit of a grace period for certain partial payments you make, in those
limited circumstances and to the extent required by law.
D. Interest Charges for Retail Plan Purchases. The variable Annual Percentage Rate used to determine
the Interest Charges for Retail Plan purchases will be based on the WSJ Prime Rate plus a Margin of 6.99%.
The Account Opening Disclosures provided with this Agreement disclose the Annual Percentage Rate and
Daily Periodic Rate in effect for Retail Plan purchases on or near the date your Account was opened.
E. Interest Charges for Military Clothing Plan. The non-variable Annual Percentage Rate for purchases
qualifying for the Military Clothing Plan is 0.00% (a Daily Periodic Rate of 0.00000%).
F. Interest Charges for Special Promotions. The Interest Charges and other terms and conditions for any
Special Promotion will be described in separate promotional disclosures that modify or supplement this
Agreement.
G. Penalty APR. A “Penalty APR Triggering Event” will occur if you have not paid a Total Minimum Payment
Due within 60 days of its applicable Payment Due Date (in other words, within 90 days after the Closing Date

of the Billing Cycle for which we determined this minimum payment was due). If a Penalty APR Triggering
Event occurs, we may apply an increased Annual Percentage Rate (a “Penalty APR”) on an indefinite basis
to the unpaid Account balances for all of your Retail Plan, Special Promotion and Military Clothing Plan
purchases and any new Account purchases we permit, except as otherwise provided in this Agreement or
required by law. In addition to applying this Penalty APR, we may close your Account to future purchases and
exercise other remedies related to this event of Default as provided in this Agreement (see Section 16 below).
The Penalty APR is a variable Annual Percentage Rate determined as of the date we first apply it, based on
the WSJ Prime Rate plus a Margin of 14.99%. The Account Opening Disclosures provided with this
Agreement disclose the Penalty APR in effect on or near the date your Account was opened. If we receive six
consecutive payments of your Total Minimum Payment Due by their Payment Due Dates, beginning with the
first Total Minimum Payment Due that is due immediately after the Penalty APR takes effect, then we will
begin to apply the standard Annual Percentage Rates then in effect for your Retail Plan purchases and any
applicable Military Clothing Plan purchases. An increase to the Penalty APR will result in increased Interest
Charges and an increased Total Minimum Payment Due.
H. Minimum Interest Charge. A minimum Interest Charge (a Finance Charge) of $0.50 will be assessed in
any Billing Cycle in which an Interest Charge is due, but is less than $0.50.
I. Temporary Reductions in Interest Charges. Your Interest Charges may be temporarily reduced based on
military activation or deployment. At the end of your activation or deployment, the Interest Charges will return
to the rates then in effect under this Agreement. To request a temporary reduction in Interest Charges, you or
your representative must provide a copy of your activation or deployment orders to us by sending them: (1)
by email to us at [email protected]; (2) by facsimile transmission to (214) 465-2997; or (3) by mail
addressed to the Exchange Credit Program, PO Box 650410, Dallas, TX 75265-0410.
11. Account Fees.
A. Returned Payment Fee. If any check, payment instrument, or any form of electronic payment to us is
dishonored by your depository institution or returned to us unpaid for any reason, we will assess and add a
Returned Payment Fee of up to $25.00 to your Account. The Returned Payment Fee will not exceed the Total
Minimum Payment Due for your Account immediately before the date on which your payment was returned
unpaid.
B. Document Copy Fee. On non-disputed matters and matters unrelated to a Billing Error, and subject to
any limitations or restrictions of applicable law, we may require that you pay us a flat processing fee of $5.00
per request, plus $0.25 (25 cents) for each page printed each time you request photocopies or reprints of
Account and transaction documents. Recent historical statements are available on www.MyECP.com.
12. Payments; Total Minimum Payment Due. You may pay your New Balance in full any time without
penalty or pay it in monthly installments. Paying your entire New Balance or paying more than your Total
Minimum Payment Due will help you reduce or avoid Interest Charges. To pay the New Balance in
installments, you must pay us at least the Total Minimum Payment Due for each Billing Cycle by the Payment
Due Date shown on each Periodic Statement. Your Periodic Statement will disclose the Total Minimum
Payment Due after each Billing Cycle.
Your Total Minimum Payment Due will be the sum of items 1 through 4 below:
1.
a.
b.

2.
3.
4.

The greater of:
$15.00 (or the entire New Balance if it is less than $15.00); or
1% of the unpaid balance of your Retail Plan and Special Promotion purchases plus accrued Interest
Charges for such purchases (or any different percentage of Special Promotion purchases plus accrued
Interest Charges separately disclosed to you in documents that modify or supplement this Agreement), based
on the unpaid balance of such purchases as of the Closing Date for the Billing Cycle during which you made
your most recent Retail Plan and/or Special Promotion purchase; plus
8.333% of the unpaid balance of any Military Clothing Plan purchases (if applicable), based on the unpaid
balance of these purchases as of the Closing Date of the Billing Cycle during which you made your most
recent Military Clothing Plan purchase; plus
All past due payments; plus
The amount by which your Account balance exceeds any applicable Credit Limit.
13. Method of Payment; Check Endorsements. You may make payments on your Account by sending
personal checks, money orders or other negotiable instruments, payable in U.S. dollars, to the Payment
Address shown on your Periodic Statement. Any payments received there will be promptly credited to your

Account as specified on your Periodic Statement. Include your payment stub and do not send cash. Your
Available Credit may not immediately show a payment has been applied to your Account if any payment you
make is not received at the Payment Address shown on your Periodic Statement or is not accompanied by
the payment coupon portion of your Periodic Statement. We may also permit you to make Account payments
at your local Exchange or online at Exchange Credit Central on www.MyECP.com.
You must not send us any check marked "payment in full," or with similar terms or other conditions,
unless both you and one of our authorized representatives have agreed in writing to resolve a dispute
in that manner. We can accept such checks or late or partial payments without losing our right to receive the
full amount you owe for your Account under this Agreement.
When you provide a check as payment, you agree that we may use information from your check to make a
one-time electronic fund transfer from the deposit account at the financial institution identified on the check or
process the payment as a check transaction. When we use information from your check to initiate an
electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we
receive your payment. The electronic fund transfer will be the same as the amount shown on your check,
without including any additional amounts. Electronically processed checks (and checks presented
electronically) are not returned to you by your depository institution. We will retain an image of your
electronically processed check as required by law. In the ordinary course of business, your check will not be
provided to you with your deposit account statement, but you can retrieve a copy of your check by contacting
your depository institution. Please notify us at the address provided above in Section 1 if you want to learn
about other payment options and you prefer not to have your check used in this way.
14. Application of Payments. We have the right to apply payments to the Total Minimum Payment Due for
your Account in the order and manner we determine in our sole discretion. We will apply payments that
exceed your Total Minimum Payment Due in the manner required by law, which generally means that any
such excess payment amounts will be applied to your Account balances in descending order, beginning with
Account balances subject to higher APRs. Special rules may apply if we offer certain deferred interest or
similar programs as a Special Promotion or if we agree to apply payments in a specific manner at your
request.
15. Account Documents We Send to You; Change of Address. You agree that any Account notices,
Periodic Statements, and correspondence (together, “Account Documents”) we send will be effective notice
to you if sent to the most recent address we maintain for your Account in our records (your Account “address
of record”). Initially, your address of record will be the address you provided on your Account application. If
any address of record we maintain changes for any reason, you must give us written notice of any new
address of record. To change your contact information such as any mailing address, email address or
telephone number, you may sign on to your account at www.MyECP.com. You may also contact the call
center at 877-891-7827; go to the customer service desk at an Exchange; or complete and mail the change of
address form on your billing statement. You understand and agree that we may update your address of
record by using information we receive from national change of address service providers. Account
Documents will be deemed given to you when they are hand delivered to you or deposited in the mail using
your address of record, or, if you consented to electronic delivery, when sent by electronic means. If you do
not receive any Periodic Statement after you attempt to change the address of record, it is your responsibility
to contact us again and verify that any such address of record has been updated.
16. Default and Remedies. Subject to any limitations or notice requirements under applicable law, we may
declare your Account in default if any of the following occur (each, a “Default”): (a) you do not make any Total
Minimum Payment Due by its applicable Payment Due Date; (b) you do not, upon our request, pay the full
unpaid balance of your Account after the date your Exchange privileges are terminated or you voluntarily ask
us to cancel your Available Credit and close your Account as provided in Section 19 below; (c) you do not do
anything this Agreement requires of you; (d) you die, are adjudged incompetent or become the subject of a
bankruptcy or insolvency proceeding; (e) you have supplied us at any time with misleading, false, incomplete,
or incorrect information; (f) you or an Authorized User attempt or make any fraudulent use of the Account,
before or after it is suspended or closed; (g) a purchase in which we retain a security interest is transferred,
stolen or significantly damaged; (h) we have suspended your check presentation privileges; (i) you default or
become delinquent in satisfying other obligations you owe us; or (j) you attempt or authorize an Account
payment knowing that the funds needed to pay are insufficient or unavailable for any reason.
Our remedies under applicable law include, without limitation, those available to us under the federal Debt
Collection Improvement Act of 1996 (Pub. L. 104-134), the Deficit Reduction Act of 1984 (Pub. L. 98-369), the
Debt Collection Act of 1982 (Pub. L. 97-365), and the Federal Claims Collection Act of 1966 (Pub. L. 89-508),
each as codified in the United States Code and as amended from time to time, and as implemented by the
federal Claims Collection Standards, 31 C.F.R. Parts 900 through 904 and other implementing regulations

promulgated by the Department of Defense and other federal agencies, each as amended from time to time.
Regardless of anything in this Agreement to the contrary, you understand and agree that we may pursue any
one or more of the following remedies after a Default, subject to any notice requirements and other limitations
of applicable law. In doing so, we may: (i) close your Account to future purchases and require immediate
payment of your entire Account balance; (ii) arrange for garnishment or deduction from your military,
retired, or civilian pay of the maximum amount allowed by applicable law to pay amounts you owe
under the Account ; (iii) arrange for an offset or deduction of the maximum amount allowed against any
federal payment due to you (including a federal income tax refund or a federal salary); (iv) refuse to honor
any further attempts by you to purchase from us using a Card, the Account, checks, or any other form of
payment; (v) reduce your Credit Limit and cancel or suspend all Available Credit connected with your
Account; (vi) terminate any Special Promotion and transfer all related Account balances to the Retail Plan for
your Account; (vii) bring an action to collect all amounts owed; (viii) repossess purchases in which we retain a
security interest and otherwise seek self-help or judicial remedies available to us as a secured creditor; (ix)
notify your unit commander about our Account collection efforts; (x) close and transfer your Account for
collection by the AAFES Collections unit, a commercial collection agency, or a law firm, in accordance with
applicable law; and/or (xi) take any other action allowed by law. Our rights and remedies under this
Agreement are cumulative and we may pursue them in any order or combination we consider appropriate. If
we refer your Account for collection by a commercial collection agency or law firm, submit your Account for
offset through the U.S. Department of the Treasury, or arrange for garnishment or deduction from your
military, retired, or civilian pay through your current or former employer, you shall be liable and responsible for
paying any and all costs, fees and expenses that these parties charge and that you or we incur in connection
with the collection of your Account after Default, except as limited by applicable law. The costs and expenses
you will be responsible for include any fees associated with a bankruptcy reaffirmation. We will tell you in
advance and/or give you an opportunity to cure your default only if applicable law requires us to do so.
17. Lost or Stolen Card; Unauthorized Use. Each Card we issue remains our property and you must
surrender it to us upon our demand. You must sign your Card before its first use. If you notice the loss or theft
of your Card or a possible unauthorized use of your Card, you should write to us immediately at Exchange
Credit Program, PO Box 650410, Dallas, TX 75265-0410, or call us at (877) 891-7827. If you are outside the
United States, you should call us at the customer service numbers listed at the end of this Agreement. You
may also contact us at the customer service desk of the Exchange. You will not be liable for any unauthorized
use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your
notice to us. In any case, your liability will not exceed $50. You agree to cooperate with us while we
investigate any unauthorized use. You must identify for us the unauthorized charges from which you received
no benefit. We may require that you provide us information in writing to help us find out what happened. We
may also require that you comply with certain procedures in connection with our investigation. If you orally
give us notice about any loss or theft, you agree to confirm it in writing. You agree that unauthorized use does
not include use by a person whom you have given authority to use a Card or the Account and that you will be
liable for all use by any such person.
18. Separation. Clearing the Exchange during the base or post clearing process does not result in a
forgiveness of your Account balance. Even after any separation from service, you remain responsible for all
purchases made with the Account and all related Interest Charges, Account Fees and other fees and
charges, as provided in this Agreement. If you are an AAFES employee who separates voluntarily or
involuntarily, we may offset your final AAFES pay in an amount up to the full amount needed to satisfy the
entire balance owed for the Account.
19. How You May Close Your Account. You may ask us to cancel your Available Credit and close the
Account at any time and for any reason (including when you lose your Exchange privileges). We may ask that
you send a cancellation request to us in writing, to the extent permitted by law. We may also ask that you
collect and destroy all Cards held by you, an Authorized User, or any other person to prevent any further use
of the Account. No one other than you may instruct us to cancel your Available Credit and close the Account,
even if they are designated to act for you through a Power of Attorney. You must still pay us the full amount
you owe us for the Account under this Agreement, including amounts due for Interest Charges, Account
Fees, other authorized fees and charges, and any purchases you or an Authorized User make after the date
of your request to close the Account or cancel a Card, except to extent expressly prohibited by applicable
law. If you ask to cancel your Available Credit and close the Account, we may require that you pay the full
unpaid balance of the Account no later than 30 calendar days from the date of your cancellation request,
except as prohibited by law. If you elect to cancel your Account when exercising rights you may have to reject
certain changes we propose to make to the terms of your Account or this Agreement, we will not require that
you cancel your Account in writing or immediately pay the full unpaid balance of the Account solely because
you are exercising these rights (see Section 27 below).

20. We Have the Right to Close or Suspend your Account. We may close your Account and cancel or
suspend your Available Credit and use of the Account and Cards at any time, with or without cause, and for
any reason, subject to any requirements or limitations of applicable law. You and any Authorized Users must
not use or attempt to use a Card or the Account after we cancel or suspend your Available Credit or close
your Account. We will send a notice to the mailing address or email address for your Account (see Section 15
above) notifying you if we have cancelled or suspended your Account and Cards. You must collect Cards
held by you, an Authorized User, or any other person, and cut those Cards in half to prevent their further use.
Our reasons, among others, for closing your Account and cancelling or suspending your use of the Account
or Cards may relate to your loss of Exchange privileges, the length of time in which the Account has been
inactive, your failure to notify us of an address change, or any event of Default under the Agreement. You
must still pay the full amount you owe us under this Agreement if your Account is closed and your Available
Credit is cancelled or suspended, including accrued Interest Charges, accrued Account Fees, other fees and
charges provided for in this Agreement, and amounts due for any purchases you or an Authorized User make
after the date we attempt to cancel or suspend use of the Account or a Card. You agree to pay us the
outstanding balance, Interest Charges, Account Fees and all other fees, charges, costs, and expenses due
on your Account under the terms of this Agreement, even if we have closed your Account and cancelled or
suspended your use of the Account and Cards. If you are not in Default under this Agreement, we may allow
you to pay the amount you owe as otherwise provided under the terms of this Agreement. After an Account is
closed and its balance paid in full, you must submit an application to us for a new Account at an exchange
where the Card is accepted or online at www.MyECP.com.
21. Credit Investigation and Credit Reports. You authorize us to investigate your credit record and verify
your income, employment, and other related information with third parties. You understand and agree that
your credit report may be requested in connection with processing your initial credit application. You also
understand and agree that your credit report may be requested in connection with any subsequent extension
of Account credit, request to increase your Credit Limit, renewal or update of your Account, Account collection
action, or an investigation of an Account dispute.
You also understand and agree that we may furnish information about the status and payment history of your
Account to credit reporting agencies and other creditors as permitted or required by applicable law. We may
report information about your Account to credit reporting agencies and others who may properly receive that
information. Late payments, missed payments, or other defaults on your Account may be reflected in your
credit report.
If you believe that we have reported inaccurate information about you to a credit reporting agency,
notify us in writing at Exchange Credit Program, P.O. Box 650410, Dallas, TX 75265-0410; by email at
[email protected]; by fax at 214-465- 2702. Please provide your name, mailing address, email
address, Account number, telephone number, the information you believe is inaccurate, and tell us why you
believe the information is incorrect. If you have supporting documents or information, such as a copy of a
credit report that includes information you believe is inaccurate, send us the supporting documents and
information as well. We will investigate the matter. If our investigation shows that information we furnished
was inaccurate, we will notify each credit reporting agency to which we reported the information and ask the
agency to correct any such inaccurate information.
22. Telephone Calls. You agree that you and we have an established business relationship and authorize us
to contact you by telephone about your Account. You agree that we may place such telephone calls using an
automatic dialing–announcing device and that such calls will not be unsolicited calls for purposes of
applicable law. You agree that we may, from time to time, monitor and/or record telephone calls between you
and us to assure the quality of our customer service and for other legitimate business reasons. If you provide
a mobile or cellular phone number to us, or if you call us using a mobile or cellular phone, you agree that we
and our agents and representatives may make Account collection and servicing calls to your mobile or
cellular phone.
23. Governing Law. This Agreement and your and our rights and responsibilities related to the Account are
governed solely by applicable federal law.
24. No Waiver by Us. You agree that we may, without notice to you, waive or refrain from enforcing our
rights under this Agreement without losing any of those rights. You agree that we may waive one or more of
our rights under the Agreement without affecting any of our other rights. If we waive any right at a particular
time, you agree that we are not also waiving the same right in other circumstances or at another time.

25. Severability. If any provision of this Agreement is finally determined to be void or unenforceable under
any law, rule, or regulation, you agree that all other provisions of this Agreement will still be valid and
enforceable.
26. Assignment of Account. We may sell, assign or transfer your Account or any interest we hold in your
Account at any time, without notice, and without your consent. You may not sell, assign or transfer any of
your rights or obligations under this Agreement or the Account, except with our express written consent.
27. Change in Terms. Subject to any required notices and other requirements and limitations of applicable
law, we may, at any time, change any term of this Agreement, including the Interest Charges and Account
Fees that apply to your Account. Unless we explain otherwise in any change in terms notice you receive, the
changes we make to this Agreement and your Account will take effect automatically on the date we specify in
the notice, even if you do not make any further Account purchases or otherwise agree with the changes. If
required by law, our change in terms notice will explain whether there are changes you may reject and, if so,
how you may do so and what may result from any decision you make to reject these changes. Except as
limited by applicable law or as otherwise provided in our change in terms notice, any change in terms will
apply to: (a) all Account purchases made after the effective date of the change; and (b) all unpaid Account
balances. No one has the authority to change this Agreement without our express written consent.
28. Security Interest. You grant us and we retain a security interest in each Retail Plan and Special
Promotion purchase you or an Authorized User make with the Account. To the extent permitted by
applicable law, you grant to us and we shall retain a purchase money security interest under the Uniform
Commercial Code in each Retail Plan and Special Promotion Plan purchase you make with your Account, as
shown on sales slips or other evidence of the sales transaction, until the unpaid balance of that purchase and
any related Interest Charges and Account Fees are paid in full. For purposes of determining at any time
which Retail Plan and Special Promotion Plan purchases remain subject to our security interest, payments on
your Account will be applied in accordance with any mandatory provisions of applicable law and, absent such
provisions, shall be applied as follows: first, to Interest Charges, then to any Account Fees, then to pay that
portion of the Total Minimum Payment Due for purchases made under the Military Clothing Plan, then to each
Retail Plan and Special Promotion purchase in the order that each such purchase was charged to your
Account, beginning with the oldest purchase. Retail Plan and Special Promotion purchases made on the
same day will be paid off by allocating your payments to the lowest price purchase(s) first. You understand
and agree that we may, at our option, record financing or security documents as permitted by applicable law
that evidence our security interest in Retail Plan and Special Promotion purchases made with the Account. It
is expressly agreed that no security interest is or will be retained or acquired by us in any consumer’s
principal dwelling or household goods other than those you or an Authorized User purchased with the
Account. This does not apply to a lien created by a court judgment. In the event of default, we shall have all
the rights of a secured party under applicable law, including, to the extent permitted by applicable law, the
right to repossess items that remain subject to our security interest.
29. Consent for Communications. By providing the number of your land line, cell phone or other wireless
device and your email address, now or in the future, you expressly consent and agree that we and any of our
agents, service providers or assignees may call you using an automatic telephone dialing system or
otherwise; leave you a voice, prerecorded, or artificial voice message; or send you a text, email message, or
other electronic message for any purpose related to the servicing or collection of the Account or any account
you may establish with us or for other informational purposes related to your Account or other accounts with
us (each, a “Communication”). You also agree that we and our agents, service providers or assignees may
include your personal information in a Communication. We will not charge you for a Communication, but your
service provider may. You agree that we may monitor and record any telephone calls to assure the quality of
our service or for other reasons.
30. Entire Agreement. This Agreement, together with the accompanying documents and related credit
disclosures and any application you signed or otherwise submitted in connection with the Account (which are
incorporated by reference in this Agreement), represents the entire agreement between you and us relating to
your Account, and supersedes any other prior or contemporaneous agreement between you and us relating
to your Account. This Agreement will survive termination of your Account until all amounts due under this
Agreement are paid in full. This Agreement may not be changed or amended, except in accordance with the
provisions of this Agreement. It is not the intention of the parties that anything in this Agreement should result
in the assessment of fees or charges in excess of those permitted by applicable law. If any fee or charge
assessed under this Agreement is finally determined to be in excess of that permitted by applicable law, the
excess amount will be applied to reduce the outstanding balance in your Account or, if there is no outstanding
balance, will be refunded to you.

NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND
DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Your Billing Rights: Keep This Document For Future Use.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Exchange Credit Program
P.O. Box 650410
Dallas, TX 75265-0410
In your letter, give us the following information:





Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why
you believe it is a mistake.
You must contact us:




Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the
amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to
investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.
2.

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we
have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was
correct.
While we investigate whether or not there has been an error:






We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that
amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:




If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to
that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us
that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you
are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and
we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even
if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have
tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining
amount due on the purchase.
To use this right, all of the following must be true:
1.

2.
3.

The purchase must have been made in your home State or within 100 miles of your current mailing address,
and the purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase
was based on an advertisement we mailed to you, or if we own the company that sold you the goods or
services.)
You must have used your credit card for the purchase.
You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Exchange Credit Program
P.O. Box 650410
Dallas, TX 75265-0410
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay,
we may report you as delinquent.
Privacy Notice
Protecting your privacy is important to us. We adhere to the Privacy Act, 5 U.S.C. 552 et seq., as well as the
Right to Financial Privacy Act, 12 U.S.C. 3401 et seq. We collect nonpublic personal information about you
from the following sources:





information we receive from you on applications or other forms;
information about your transactions with us or others; and
information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about our customers or former customers to anyone,
except as permitted by law. We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services to you. We maintain physical,
electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal
information.
Exchange Credit Program
P.O. Box 650410
Dallas, Texas 75265-0410
www.MyECP.com
Exchange Credit Call Center Telephone Numbers

CONUS (includes Alaska & Hawaii)

1-877-891-7827

Toll Free Numbers

BELGIUM
CRETE
GERMANY
GUAM
ITALY
JAPAN
KOREA
NETHERLANDS
NORWAY
SPAIN
UNITED KINGDOM

0800-1-6374
00-800-18092003452
0800-812-4690
1-800-546-7195
8008-72683
00531-11-4239
00308-130663
0800-022-9614
800-14-199
900-971-394
0800-96-1843

Collect Numbers

ICELAND
SAUDI ARABIA
TURKEY
Fax: 214-465-2997

214-465-6030
214-465-6030
214-465-6030