How Will We Calculate Your Balance?  We use a method called 
   Interest Rates and Interest Charges
                                      �average daily balance (including new purchases)�.  See your 
                    Without Rewards With Rewards
   Annual Percentage                  account agreement for more details.
                        
   Rate (APR) for     7.9%    9.9%  
                     MasterCard   MasterCard   Billing Rights: Information on your rights to dispute transactions 
                     Platinum Platinum and how to exercise those rights is provided in your account 
   Purchases,                                                                   Credit Card Credit Card
                                      agreement.
                    10.9%   12.9% 
   Balance Transfers, MasterCard   MasterCard  
                                      The information disclosed here is accurate as of February 1, 2015.  
                      Gold    Gold
                                      Approval is based on your credit information obtained from 
   and Cash Advances
                    13.9%                                                        Application Application
                                      consumer credit reporting agencies InvesTex Credit Union uses.  
                     MasterCard  
                                      Credit card changes require 45 days advance notice.  Credit 
                    Secured Gold
                                      cardholders may cancel their credit card prior to the effective 
                    This APR is not tied to an index  date of a rate change.
                     and will not vary with the 
                                                                                       Rates as low as Rates as low as
                          market.
                                                              �
   Penalty APR and When It Applies None
                                                                                        7.9% 7.9%               
   Paying Interest  Your due date is at least 25 days 
                    after the close of each billing                                        APR* APR*
                    cycle.  We will not charge you  Main Of?ce Tomball Parkway Branch
                                          905 Aldine Bender 24922 Tomball Parkway, Suite 100 On MasterCard Platinum On MasterCard Platinum
                    interest on purchases if you 
                                         Houston, Texas 77032  Tomball, Texas 77375
                    pay your entire balance by the 
                    due date each month.  We will  Cypresswood Branch NLW-Heights Branch
                    begin charging interest on cash  230 Cypresswood Drive, Suite H 1614 N. Durham
                                          Spring, Texas 77388 Houston, Texas 77008
                    advances and balance transfers 
                    on the transaction date. Atascocita Branch One Allen Center (Downtown)
                                         5212 Atascocita Road 500 Dallas, Suite P-110
   Minimum Interest Charge None
                                         Humble, Texas 77346 Houston, Texas 77002
   For Credit Card Tips from the  To learn more about factors 
   Federal Reserve Board to consider when applying for 
                                                  Hours of Operation
                    or using a credit card, visit the 
                    website of the Federal Reserve  Lobby Hours Drive-Thru
                                       Monday-Friday (except Thursday) Monday-Friday
                    Board at www.federalreserve.
                                          8:30am to 5:00pm Main:  7:00am to 6:00pm
                    gov/creditcard.
                                            Thursday        All Other Branches: 
   Fees
                                          9:00am to 5:00pm  8:30am to 6:00pm
                                                                                 1234 5678 9012 3456
   Annual Fee       None
                                                                                            04/15
                                            Saturday*         Saturday*
   Transaction Fees                       8:30am to 3:00pm All Branches:  8:30am to 3:00pm
    � Balance Transfer None                                                       MEMBER FOR LIFE
                                      *Downtown Branch is Closed Saturday
    � Cash Advance  None
    � Foreign Transaction 1% of each transaction amount 
                    in U.S. dollars.              InvesTexCU.org
                                           281.449.0109 � Toll Free 866.449.0109
   Penalty Fees     Either $18 each month the 
                                                 Fax 281.219.7664
    � Late Penalty  minimum payment is not paid 
                                                Info@InvesTexCU.org
                    within ten (10) days of the 
                    due day or the amount of your 
                    minimum payment if below $18.
    � Over-the-Credit Limit None
                                         Revised 1/15
                                                       This credit union is federally insured by the
    � Returned Payment $25 for each item returned.
                                                       National Credit Union Administration. *APR is Annual Percentage Rate. Rates Di? er on
                                                                                 Other Credit Card Products O? ered at InvesTex.
                                A table that includes the APRs and 
   905 Aldine Bender Rd.        other required cost disclosures for 
   Houston, TX 77032            credit card applications is on the 
   (281) 449-0109  .  InvesTexCU.org reverse side of this application. C R E D I T C A R D A P P L IC AT I O N
    Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.
      Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: (1) you live in or the property you pledged as   
            collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI); (2) your spouse will use the account; or (3) you are relying on your spouse�s 
            income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible 
            about the person on whose payments you are relying. v
      Joint Credit: Each applicant must individually complete the appropriate section below. If the Co-Borrower is the spouse of the applicant, mark the Co-Applicant box.
      Guarantor: Complete the Other section if you are a guarantor on an account/loan.
                                            Other:         Co-Applicant     Spouse     Guarantor
    NAME (Last - First - Initial) MOTHER�S MAIDEN NAME NAME (Last - First - Initial) MOTHER�S MAIDEN NAME
                            
    MEMBER NUMBER          SOCIAL SECURITY NUMBER MEMBER NUMBER     SOCIAL SECURITY NUMBER
    DRIVER�S LICENSE NUMBER/STATE           DRIVER�S LICENSE NUMBER/STATE
                                             
    BIRTH DATE                                HOME PHONE                              WORK PHONE/EXT. BIRTH DATE                                HOME PHONE                              WORK PHONE/EXT.
                                                        (        )                                          (        )                                                    (        )                                          (        )
    E-MAIL ADDRESS                          E-MAIL ADDRESS
    PRESENT ADDRESS (STREET-CITY-STATE-ZIP)                                                                                            OWN            RENT PRESENT ADDRESS (STREET-CITY-STATE-ZIP)                                                                                            OWN            RENT
                           PAYMENT $                                PAYMENT $
    Employment      NAME AND ADDRESS OF EMPLOYER Employment      NAME AND ADDRESS OF EMPLOYER
    START DATE    POSITION                  START DATE     POSITION
    NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE  NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE 
    REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
    GROSS EMPLOYMENT INCOME                                             OTHER INCOME GROSS EMPLOYMENT INCOME                                             OTHER INCOME
    $________________PER_____________       $________________PER_____________ $________________PER_____________       $________________PER_____________
                                                                                       SOURCE                                                                                    SOURCE
    PERSONAL REFERENCE  RELATIONSHIP:                                                                                                                       HOME PHONE:
    NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU:
    STATE LAW NOTICES   OHIO RESIDENTS ONLY: THE OHIO LAWS AGAINST DISCRIMINATION REQUIRE THAT ALL CREDITORS MAKE CREDIT EQUALLY AVAILABLE TO ALL 
    CREDITWORTHY CUSTOMERS, AND THAT CREDIT REPORTING AGENCIES MAINTAIN SEPARATE CREDIT HISTORIES ON EACH INDIVIDUAL UPON REQUEST. THE OHIO CIVIL 
    RIGHTS COMMISSION ADMINISTERS COMPLIANCE WITH THIS LAW.
    WISCONSIN RESIDENTS ONLY: (1) NO PROVISION OF ANY MARITAL PROPERTY AGREEMENT UNILATERAL STATEMENT UNDER SECTION 766.59, OR COURT DECREE 
    UNDER SECTION 766.70 WILL ADVERSELY AFFECT THE RIGHTS OF THE CREDIT UNION UNLESS THE CREDIT UNION IS FURNISHED A COPY OF THE AGREEMENT, STATEMENT 
    OR DECREE, OR HAS ACTUAL KNOWLEDGE OF ITS TERMS, BEFORE  THE CREDIT IS GRANTED OR THE ACCOUNT IS OPENED. (2) PLEASE SIGN IF YOU ARE NOT APPLYING 
    FOR THIS ACCOUNT OR LOAN WITH YOUR SPOUSE. THE CREDIT BEING APPLIED FOR, IF GRANTED, WILL BE INCURRED IN THE INTEREST OF THE MARRIAGE OR FAMILY OF 
    THE UNDERSIGNED.
      X
        SIGNATURE FOR WISCONSIN RESIDENTS ONLY                                                                  DATE
                                        SIGNATURES
    YOU PROMISE THAT EVERYTHING YOU HAVE STATED IN THIS APPLICATION IS CORRECT TO THE BEST OF YOUR KNOWLEDGE. IF THERE ARE ANY IMPORTANT CHANGES 
    YOU WILL NOTIFY US IN WRITING IMMEDIATELY. YOU AUTHORIZE THE CREDIT UNION TO OBTAIN CREDIT REPORTS IN CONNECTION WITH THIS APPLICATION FOR CREDIT 
    AND FOR ANY UPDATE, INCREASE, RENEWAL, EXTENSION, OR COLLECTION OF THE CREDIT RECEIVED. YOU UNDERSTAND THAT THE CREDIT UNION WILL RELY ON THE 
    INFORMATION IN THIS APPLICATION AND YOUR CREDIT REPORT TO MAKE ITS DECISION. IF YOU REQUEST, THE CREDIT UNION WILL TELL YOU THE NAME AND ADDRESS 
    OF ANY CREDIT BUREAU FROM WHICH IT RECEIVED A CREDIT REPORT ON YOU. IT IS A FEDERAL CRIME TO WILLFULLY AND DELIBERATELY PROVIDE INCOMPLETE 
    OR INCORRECT INFORMATION ON LOAN APPLICATIONS MADE TO FEDERAL CREDIT UNIONS OR STATE CHARTERED CREDIT UNIONS INSURED BY NCUA. YOU 
    UNDERSTAND THAT THE USE OF YOUR CARD WILL CONSTITUTE ACKNOWLEDGEMENT OF RECEIPT AND AGREEMENT TO THE TERMS OF THE CREDIT CARD AGREEMENT. 
    A CONDITION OF YOUR ACCOUNT IS YOUR GRANTING US A SECURITY INTEREST IN YOUR SHARE ACCOUNTS. BY SIGNING 
    BELOW YOU GRANT US A SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT SHARE AND/OR DEPOSIT ACCOUNTS YOU 
    HAVE WITH US NOW AND IN THE FUTURE TO SECURE YOUR CREDIT CARD ACCOUNT. WHEN YOU ARE IN DEFAULT WE 
    MAY APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE UNDER THE CREDIT CARD AGREEMENT. SHARES 
    AND DEPOSITS IN AN INDIVIDUAL RETIREMENT ACCOUNT AND ANY OTHER ACCOUNT THAT WOULD LOSE SPECIAL TAX 
    TREATMENT UNDER THE STATE OR FEDERAL LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THIS SECURITY INTEREST.
      
     X                                                     (SEAL)                                                                           X                                                    (SEAL)  
        APPLICANT�S SIGNATURE                                                                         DATE                   OTHER SIGNATURE                                                                              DATE
    FOR
    CREDIT UNION              APPROVED          NO. OF CARDS_______      CREDIT LIMIT $______________   CREDIT CARD NUMBER______________________________
    USE ONLY                       DECLINED            CREDIT COMMITTEE OR LOAN OFFICER SIGNATURE_________________________________________________________
                        ???????????????????????????????????????????????????????
                                                                      905 Aldine Bender Rd.
                                                                        Houston, TX 77032
                                                                      Phone: (281) 449-0109
                                                                       Fax: (281) 219-7664
                                                                          InvesTexCU.org
                        MASTERCARD CREDIT CARD AGREEMENT
   In this Agreement the words �you� and �your� mean each and all of those who agree  within ten (10) days of the due day or the amount of your minimum payment if below 
   to be bound by this Agreement; �Card� means the MasterCard credit card and any  $18.
   duplicates, renewals, or substitutions the Credit Union issues to you; �Account� means 
                                            c. Return Check Fee: If a check or share draft used to make a payment on your 
   your MasterCard credit card line of credit account with the Credit Union, and �Credit 
                                            account is returned unpaid, you may be charged a fee of $25.00 for each item returned.
   Union� means the Credit Union whose name appears on this Agreement or anyone to 
   whom the Credit Union transfers this Agreement. d. Collection Costs: You agree to pay all costs of collecting the amount you owe 
                                            under this Agreement, including court costs and reasonable attorney�s fees.
   1. Using Your Account - If you are approved for an Account, the Credit Union will 
                                            6. PAYMENTS - Each month you must pay at least the minimum payment shown on 
   establish a line of credit for you and notify you of your credit limit. You agree that your 
                                            your statement by the date speci? ed on the statement or no later than twenty-?ve (25) 
   credit limit is the maximum amount (purchases, cash advances, ? nance charges, plus 
                                            days from the statement closing date, whichever is later. If your statement says the 
   �other charges�) that you will have outstanding on your Account at any time. If you 
                                            payment is �Now Due,� your payment is due no later than twenty-? ve (25) days from 
   are over your credit limit, you must pay the amount you are over before payments will 
                                            the statement closing date. You may pay more frequently, pay more than the minimum 
   begin to restore your credit limit. You may request an increase in your credit limit only 
                                            payment or pay the Total New Balance in full. If you make extra or larger payments, 
   by a method acceptable to the Credit Union. The Credit Union has the right to reduce 
                                            you are still required to make at least the minimum payment each month your Account 
   your credit limit, refuse to make advance and/or terminate your Account at any time for 
                                            has a balance (other than a credit balance).  The minimum payment is 3% of your Total 
   any reason not prohibited by law.
                                            New Balance, or $15.00, whichever is greater, plus the amount of any prior minimum 
   2. Using Your Card - You may use your card to make purchases from merchants and  payments that you have not made, and any amount you are over your credit limit. The 
   others who accept MasterCard Cards. However, you may not use your Card to initiate  Credit Union also has the right to demand immediate payment of any amount by which 
   any type of gambling transaction. If you wish to pay for goods or services over the  you are over your credit limit.
   internet, you may be required to provide card member security information before you 
                                            7. Payment Allocation - Subject to applicable law, your payments may be applied to 
   will be permitted to complete the transaction. You may also obtain cash advances from 
                                            what you owe the Credit Union in any manner the Credit Union chooses.
   the Credit Union and from other ? nancial institutions that accept MasterCard Cards, 
   and from some automated teller machines (ATMs). (Not all ATMs accept MasterCard  8. Security Interest - If you give the Credit Union a speci? c pledge of shares by 
   Cards.) To obtain cash advances from an ATM, you must use the Personal Identi?cation  signing a separate pledge of shares, your pledged shares will secure your Account. 
   Number (PIN) that is issued to you for use with your Card. You agree that you will not  You may not withdraw amounts that have been speci? cally pledged to secure your 
   use your Card for any transaction that is illegal under applicable federal, state, or local  Account until the credit union agrees to release all or part of the pledged amount. In 
   law.                                     addition, your Account is secured by all other shares you have in any individual or joint 
                                            account with the Credit Union, except for shares in an Individual Retirement Account 
   3. Responsibility - You agree to pay all charges (purchases and cash advances) to 
                                            or in any other account that would lose special tax treatment under state or federal 
   your Account that are made by you or anyone whom you authorize to use your Account. 
                                            law if given as security. You authorize the Credit Union to apply the balance in your 
   You also agree to pay all ? nance charges and other charges added to your Account 
                                            individual or joint share accounts to pay any amounts due on your Account if you should 
   under the terms of this Agreement or another agreement you made with the Credit 
                                            default. Collateral securing other loans you have with the Credit Union may also secure 
   Union. If this is a joint Account, Section 17 below also applies to your Account.
                                            this loan, except that a dwelling will never be considered as security for this Account, 
   4. Finance Charges - You will pay a FINANCE CHARGE for all advances made against  notwithstanding anything to the contrary in any other agreement.
   your SECURED GOLD credit card at the periodic rate of .0380822% per day, which  9. Default - You will be in default if you fail to make any minimum payment or other 
   has a corresponding ANNUAL PERCENTAGE RATE of 13.9%.  You will pay a FINANCE  required payment by the date that it is due. You will be in default if you break any 
   CHARGE for all advances made against your GOLD credit card (With Rewards) at the  promise you make under this Agreement. You will be in default if you die, ?le for 
   periodic rate of .0353425% per day, which has a corresponding ANNUAL PERCENTAGE  bankruptcy or become insolvent, that is, unable to pay your obligations when they 
   RATE of 12.9%.  You will pay a FINANCE CHARGE for all advances made against your  become due. You will be in default if you make any false or misleading statements in any 
   GOLD credit card (Without Rewards) at the periodic rate of .0298630% per day, which  credit application or credit update. You will also be in default if something happens that 
   has a corresponding ANNUAL PERCENTAGE RATE of 10.9%.  You will pay a FINANCE  the Credit Union believes may substantially reduce your ability to repay what you owe.
   CHARGE for all advances made against your PLATINUM credit card (With Rewards) 
   at the periodic rate of .0271233% per day, which has a corresponding ANNUAL  When you are in default, the Credit Union has the right to demand immediate payment 
   PERCENTAGE RATE of 9.9%.  You will pay a FINANCE CHARGE for all advances  of your full Account balance without giving you notice. If immediate payment is 
   made against your PLATINUM credit card (Without Rewards) at the periodic rate of  demanded, you agree to continue paying ? nance charges, at the periodic rate charged 
   .0216438% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 7.9%.  before default, until what you owe has been paid, and any shares that were given as 
   Cash advances incur a FINANCE CHARGE from the date they are posted to the account.  security for your Account may be applied towards what you owe.
   If you have paid your account in full by the due date shown on your previous statement,  10. Liability for Unauthorized Use-Lost/Stolen Card Noti?cation - You agree 
   or there is no previous balance, you have not less than 25 days to repay your account  to notify us immediately, orally or in writing, at 905 Aldine Bender Road, Houston, TX 
   balance before a FINANCE CHARGE on new purchases will be imposed. Otherwise  77032, or (800) 442-4757, of the loss, theft, or unauthorized use of your credit card. 
   there is no grace period and new purchases will incur a FINANCE CHARGE from the  You may be liable for the unauthorized use of your credit card. You will not be liable for 
   date they are posted to the account. The FINANCE CHARGE is ? gured by applying the  unauthorized use that occurs after you notify us of the loss. If you exercise reasonable 
   periodic rate to the �balance subject to FINANCE CHARGE� which is the �average  care in safeguarding your card from risk of loss or theft and, upon discovering the loss or 
   daily balance� of your account, including certain current transactions. The �average  theft promptly report the loss or theft to us, you will not be liable for any unauthorized 
   daily balance� is arrived by taking the beginning balance of your account each day  transactions. In any case, your liability will not exceed $50.00.
   and adding any new cash advances, and, unless you pay your account in full by the 
   due date shown on your previous monthly statement or there is no previous balance,  11. Changing or Terminating Your Account - The Credit Union may change 
   adding in new purchases, and subtracting any payment or credits and unpaid FINANCE  the terms of the Agreement from time to time. Notice of any change will be given in 
   CHARGES. The daily balances for the billing cycle are then added together and divided  accordance with applicable law. If permitted by law and speci? ed in the notice to you, 
   by the number of days in the billing cycle. The result is the �average daily balance�.  the change will apply to your existing Account balance as well as to future transactions. 
   The FINANCE CHARGE is determined by multiplying the �average daily balance� by  Either you or the Credit Union may terminate this Agreement at any time, but 
   the number of days in the billing cycle and applying the periodic rate to the product.  termination by you or the Credit Union will not affect your obligation to pay the Account 
   You may pay any amounts outstanding at any time without penalty for early payment. balance plus any ? nance and other charges your owe under this agreement. You are 
   5. Other Charges - The following other charges (fees) will be added to your Account,  also responsible for all transactions made to your Account after termination, unless the 
   as applicable:                           transactions were unauthorized.
   a. Over-the-Credit-Limit Fee: None       The Card or Cards you receive remain the property of the Credit Union and you must 
                                            recover or surrender to the Credit Union all Cards upon request or upon termination 
   b. Late Payment Fee: Either $18 each month the minimum payment is not paid  of this Agreement whether by you or the Credit Union. The Credit Union has the right 
   to require you to pay your full Account balance at any time after your Account is  YOUR BILLING RIGHTS
   terminated, whether it is terminated by you or the Credit Union. If this is a joint Account,  KEEP THIS NOTICE FOR FUTURE USE
   Section 17 of this Agreement also applies to termination of the Account.
                                            This notice contains important information about your rights and our responsibilities under 
                                            the Fair Credit Billing Act.
                                            Notify Us In Case of Errors Or Questions About Your Bill -  
   12. Credit Information - You authorize the Credit Union to investigate your credit 
                                            If you think your bill is wrong or if you need more information about a transaction on your 
   standing when opening or reviewing your Account. You authorize the Credit Union 
                                            bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as 
   to disclose information regarding your Account to credit bureaus and creditors who 
                                            possible. We must hear from you no later than sixty (60) days after we sent you the ?rst 
   inquire about your credit standing. If your account is eligible for emergency cash and/or  bill on which the error or problem appeared. You can telephone us, but doing so will not 
   emergency card replacement services, and you request such services, you agree that we  preserve your rights.
   may provide you with the requested service(s).
                                            In your letter, give us the following information:
   13. Returns and Adjustments - Merchants and others who honor your Card may 
                                             �  Your name and account number.
   give credit for returns or adjustments, and they will do so by sending the Credit Union 
                                             �  The dollar amount of the suspected error.
   a credit slip which will be posted to your Account. If your credits and payments exceed 
                                             �  Describe the error and explain, if you can, why you believe  there is an error. If you 
   what you owe the Credit Union, the amount will be applied against future purchases  need more information, describe the item you are not sure about. 
   and cash advances. If the credit balance amount is $1 or more, it will be refunded upon 
                                            If you have authorized us to pay your credit card bill automatically from your savings or 
   your written request or automatically after six (6) months.
                                            share draft account, you can stop the payment on any amount you think is wrong. To stop 
   14. Additional Bene? ts/Card Enhancements - The Credit Union may from time to  the payment your letter must reach us three (3) business days before the automatic payment 
   time offer additional services to your Account, such as travel accident insurance, at no  is scheduled to occur. 
   additional cost to you. You understand that the Credit Union is not obligated to offer  Your Rights And Our Responsibilities After We Receive Your Written Notice - 
   such services and may withdraw or change them at any time. 
                                            We must acknowledge your letter within thirty (30) days, unless we have corrected the error 
   15. Foreign Transactions -  Purchases, cash advances and cash withdrawals made in  by then. Within ninety (90) days, we must either correct the error or explain why we believe 
   foreign currencies will be debited from your account in U.S. dollars. The exchange rate  the bill was correct. 
   used to convert foreign currency transactions to U.S. dollars is either a government- After we receive your letter, we cannot try to collect any amount you question, or report you 
   mandated exchange rate or a wholesale exchange rate and is selected by MasterCard.  as delinquent. We can continue to bill you for the amount you question, including ?nance 
   The rate MasterCard uses for a particular transaction is the rate MasterCard selects for  charges, and we can apply an unpaid amount against your credit limit. You do not have to 
   the applicable currency on the day the transaction is processed. This rate may differ  pay any questioned amount while we are investigating, but you are still obligated to pay the 
   from the rate applicable on the date the transaction occurred or was posted to your  parts of your bill that are not in question. 
   account.                                                                                                                                             
                                            If we ? nd that we made a mistake on your bill, you will not have to pay any ?nance charges 
   A fee of up to 1 percent will be charged on all transactions completed outside of the  related to any questioned amount. If we didn�t make a mistake, you may have to pay ?nance 
   United States where the cardholder�s country code differs from the merchant�s country  charges, and you will have to make up any missed payments on the questioned amount. 
   code. In addition, a fee up to 1 percent will be charged on all transactions completed  In either case, we will send you a statement of the amount you owe and the date that it 
                                            is due. 
   in a foreign currency. All fees are calculated based on the transaction amount after it is 
   converted to U.S. dollars. These fees are charged except where included.  If you fail to pay the amount that we think you owe, we may report you as delinquent. 
                                            However, if our explanation does not satisfy you and you write to us within ten (10) days 
   16. Merchant Disputes - The Credit Union is not responsible for the refusal of 
                                            telling us that you still refuse to pay, we must tell anyone we report to that you have a 
   any merchant or ? nancial institution to honor your Card. The Credit Union is subject  question about your bill. And, we must tell you the name of anyone we reported you to. 
   to claims and defenses (other than tort claims) arising out of goods or services you  We must tell anyone we report you to that the matter has been settled between us when 
   purchase with the Card if you have made a good faith attempt but have been unable  it ?nally is. 
   to obtain satisfaction from the merchant or service provider, and (a) your purchase was 
                                            If we don�t follow these rules, we can�t collect the ? rst $50 of the questioned amount, even 
   made in response to an advertisement the Credit Union sent or participated in sending 
                                            if your bill was correct.
   to you; or (b) your purchase cost more than $50 and was made in your state or within 
   one hundred (100) miles of your home.    Special Right For Credit Card Purchases -  
                                            If you have a problem with the quality of property or services that you purchased with a 
   17. Joint Accounts - If this is a joint Account, each person on the Account must sign 
                                            credit card, and you have tried in good faith to correct the problem with the merchant, you 
   the Agreement (by signing on the application). Each of you will be individually and 
                                            may have the right not to pay the remaining amount due on the property or services. There 
   jointly responsible for paying all amounts owed under this Agreement. This means that 
                                            are two (2) limitations on this right:
   the Credit Union can require any one of you individually to repay the entire amount 
   owed under this Agreement. Each of you authorizes the other(s) to make purchases  �  You must have made the purchase in your home state or within one hundred (100) 
                                                 miles of your current mailing address; and
   or cash advances individually. Any one of you may terminate the Account and the 
   termination will be effective as to all of you. �  The purchase price must have been more than $50. 
   18. Effect of Agreement - This Agreement is the contract which applies to all  These limitations do not apply if we own or operate the merchant, or if we mailed you the 
   transactions on your Account even though the sales, cash advances, credit or other slips  advertisement for the property or services.  
   you sign or receive may contain different terms.
   19. No Waiver - The Credit Union can delay enforcing any of its rights any number of 
   times without losing them.
   20. Statement And Notices - Statements and notices will be mailed to you at the 
   most recent address you have given the Credit Union. Notice sent to any one of you will 
   be considered notice to all. 
   21. Final Expression - This Agreement is the ? nal expression of the terms and 
   conditions of this MasterCard line of credit between you and the Credit Union. This 
   written Agreement may not be contradicted by evidence of any alleged oral agreement.
   22. Copy Received - You acknowledge that you have received a copy of the 
   Agreement. 
   23. Signatures - By signing in the Signature area of the application form that was 
   attached to this Agreement when you received it, you agree to the terms of this 
   Agreement. You should detach this Agreement from the application and retain it for 
   your records.
   24. Credit Card Changes - Any Credit Card changes require 45 days advance notice. 
   Credit Card holders may cancel their credit card prior to the effective date of the 
   changes.
   25. Age - Applicants must be 21 years of age or a parent/legal guardian will be 
   required to sign as a co-applicant.