ADDITIONAL  PROVISIONS:  Each  provision  of  this 
Agreement  must  be  considered  part  of  the  total Agreement 
and cannot in any way be severed from it. However, if any 
provision  of  this  Agreement  is  finally  determined  to  be 
void  or  unenforceable  under  any  law,  rule,  or  regulation, 
all  other  provisions  of  this  Agreement  will  remain  valid 
and  enforceable.  You  understand  that  this  Agreement  is 
performable in the county and state of the Credit Union shown 
above  in  this  Agreement,  and  the  validity,  construction, 
and  enforcement  of  this  Agreement  shall  be  governed  by 
applicable federal law and the laws of the state in which the 
Credit  Union  shown  above  is  primarily  located. We  do  not 
warrant any merchandise or services purchased by you with 
the Card. All purchases and cash advances are extended at the 
option of the merchant or cash-advancing financial institution 
and we are not responsible for the refusal of any merchant or 
financial institution to honor your Card. The Card remains our 
property at all times, and you agree to immediately surrender 
the Card upon demand. You agree to pay all reasonable costs 
of collection, including court costs and attorney’s fees, and 
any costs incurred in the recovery of the Card. We can accept 
late payments or partial payments, or checks or money orders 
marked  “payment  in  full”  without  losing  any  of  our  rights 
under this Agreement. We can also waive or delay enforcing 
any  of  our  rights  under  this Agreement  without  losing  our 
right  to  enforce  them  in  the  future.  You  expressly  waive 
presentment  for  payment,  demand,  protest,  and  notice  of 
protest and dishonor of same. You agree to give us prompt 
notice of any change in your name, mailing address, telephone 
number or place of employment.

You  may  not  use  your  Card  for  any  illegal  transaction. You 
agree  that  we  may  decline  to  process  any  transaction  which 
we believe in good faith to be for an illegal purpose. You agree 
that  we  will  not  be  liable  for  declining  to  process  any  such 
transaction. If we do process any transaction which ultimately 
is determined to have been for an illegal purpose, you agree 
that you will remain liable to us under this Agreement for any 
such transaction notwithstanding its illegal nature. You agree 
that any illegal use of the Card will be deemed an act of default 
under this Agreement. You further agree to waive any right to 
take legal action against us for your illegal use of the Card and 
to  indemnify  and  hold  us,  VISA  International,  Incorporated 
and/or MasterCard International, Incorporated harmless from 
and  against  any  lawsuits,  other  legal  action,  or  liability  that 
results directly or indirectly from such illegal use.

For  VISA  Cardholders,  you  acknowledge  that  we  may 
provide  personal  data  concerning  you  to  VISA  U.S.A.,  its 
Members, or their respective contractors for the purpose of 
providing you with VISA Emergency Cash and Emergency 
Card Replacement Services, and you consent to the release 
of your information for these purposes.

If you effect an international transaction with your MasterCard, 
MasterCard  International  will  convert  the  charge  into  a  U.S. 
dollar  amount.  MasterCard  International  will  use  its  currency 
conversion  procedure,  which  is  disclosed  to  institutions  that 
issue MasterCard cards. Currently, the currency conversion rate 
used by MasterCard International to determine the transaction 
amount in U.S. dollars for such transactions is generally either 
a government-mandated exchange rate or a wholesale exchange 
rate  selected  by  MasterCard  International  for  the  applicable 
currency on the day the transaction is processed, which rate may 
differ from the applicable rate on the date the transaction occurred 
or when the transaction is posted to your Account. We will charge 
a  Foreign Transaction  Fee  in  U.S.  dollars  of  up  to  1%  of  the 
transaction amount (.8% for the MasterCard Issuer Cross-border 

Assessment and .2% for the MasterCard Currency Conversion 
Assessment)  on  all  international  purchase,  cash  disbursement, 
and Account credit transactions, whether originally made in U.S. 
dollars or converted from a foreign currency. There is no grace 
period within which to repay international transactions in order 
to avoid the Foreign Transaction Fee.

If  you  effect  an  international  transaction  with  your  VISA 
Card, the rate of exchange between the transaction currency 
and the billing currency used for processing the international 
transaction  will  be  a  rate  selected  by VISA  from  the  range 
of  rates  available  in  wholesale  currency  markets  for  the 
applicable central processing date, which rate may vary from 
the  rate  VISA  itself  receives  or  the  government-mandated 
rate in effect for the applicable central processing date; and in 
each instance, a Foreign Transaction Fee in U.S. dollars of up 
to 1% of the transaction amount. The Foreign Transaction Fee 
will apply to all international purchases, cash disbursements, 
and account credit transactions, whether originally made in 
U.S. dollars or converted from a foreign currency. There is no 
grace period within which to repay international transactions 
in order to avoid the Foreign Transaction Fee.

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:

Fort Worth Community Credit Union
c/o Credit Card Center
P.O. Box 815909
Dallas, TX 75381-5909

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 statement, 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. 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.
2. Within 90 days of receiving your letter, we must either 
    correct the error or explain to you why we believe your 
    statement is 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 
statement  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 statement. 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. 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 are 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.)

2. You must have used your credit card for the purchase. 
    Purchases made with cash advances from an ATM or 
    with a check that accesses your credit card account do 
    not qualify.

3. 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:

Fort Worth Community Credit Union
c/o Credit Card Center
P.O. Box 815909
Dallas, TX 75381-5909

New  York  &  Vermont  Residents:  Upon  your  request,  we  will 
inform you of the name and address of each credit-reporting agency 
from which we obtained a credit report relating to you. New York 
residents may request a comparative listing of credit card rates, 
fees, and grace periods by writing to: Public Information, New 
York State Banking Department, 2 Rector Street, New York, NY 
10006-1894 or by calling 1-800-522-3330.

California  Residents:  (1)  You  have  the  right  to  prohibit  us 
from  disclosing  to  marketers  of  good  marketing  informa tion 
concerning you that discloses your identity. You may exercise 
your  right  by  calling  us  at  1-800-820-8302;  (2)  If  you  are  a 
married applicant you may apply for credit in your own name; 
(3) Applicants may, after credit approval, use the credit card up 
to its credit limit and may be liable for amounts extended under 
the plan to any joint applicant; (4) As required by law, you are 
hereby notified that a nega tive credit report reflecting on your 
credit record may be submitted to a credit reporting agency if 
you fail to fulfill the terms of your credit obligations.
Maine Residents: Consumer Reports (credit reports) may be 
requested in connection with this application. Upon request, 
you will be informed whether or not a consumer report was 
requested  and,  if  it  was,  of  the  name  and  address  of  the 
consumer reporting agency that furnished the report.
Ohio  Residents:  The  Ohio  laws  against  discrimination  re quire 
that all creditors make credit equally available to all credit worthy 
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.
Rhode Island: Consumer reports may be requested with this 
application.
Wisconsin  Residents:  Wisconsin  law  provides  that  no 
agreement,  court  order  or  individual  statement  applying  to 
marital property will affect a creditor’s interests unless prior 
to the time credit is granted the creditor is furnished with a 
copy of the agreement, court order or statement, or has actual 
knowledge of the adverse provision.

CUSTOMER SERVICE: 1-800-442-4757 – 24 hours a day/7 
days a week. (Please have account information available.)

Account Opening Disclosures

  Interest Rates and Interest Charges

MasterCard and VISA Platinum 
MasterCard and VISA Gold
Standard MasterCard and VISA Classic

MasterCard 
and VISA 
Share 
Secured

Annual 
Percentage 
Rate (APR) for 
Purchases

APR for
Balance 
Transfers

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to Avoid
Paying Interest 
on Purchases

Minimum 
Interest Charge

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau
  Fees

7.9% introductory APR 
for six months.

After that, your APR will be:
Platinum Cards:    9.9%
Gold Cards:        10.9%
Standard/
Classic Cards:   13.9%

No penalty APR

9.9%

Your due date is at least 25 days after 
the close of each billing cycle. We will 
not charge you interest on purchases if 
you pay your entire balance by the due 
date each month. We will begin charging 
interest on cash advances and balance 
transfers on the transaction date.

No minimum interest charge

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

Annual Fee

None

Transaction Fee
    •  Foreign Transaction

Up to 1% of each transaction 
in U.S. dollars.

You’re worth more (to us)

Penalty Fees
    •  Late Payment
    •  Returned Payment

Up to $25 
Up to $25

PO Box 210848, Bedford TX 76095-7848

How We Will Calculate Your Balance: We use a method 
called “average daily balance (including new purchases).” 
See the Credit Card Agreement and Disclosure Statement 
for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute 
transactions and how to exercise those rights is provided 
in the Credit Card Agreement and Disclosure Statement.

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.

FTWCCU 2012
All Rights Reserved  
Rev.10/2012 197APL

NCUA

National Credit Union Administration, a U.S. Government Agency

Federally insured 
by NCUA

Fort Worth Community Credit Union
Credit Card Agreement and Disclosure Statement 
For Your MasterCard or VISA Account

Notice:  Read  and  retain  this  copy  of  your  Credit  Card 
Agreement and  Disclosure Statement for future reference.

TERMS USED IN THIS AGREEMENT: This Agreement 
and  Disclosure  Statement  covers  your  MasterCard  and/or 
VISA Account (“Account”) shown above. In this Agreement, 
the words “you” and “your” mean any person who signs this 
Agreement  or  uses  the  Card.  “We,”  “our,”  and  “us”  means 
Fort Worth Community Credit Union. The “Card” means any 
credit  card  issued  to  you  or  those  designated  by  you  under 
the terms of this Agreement. “Use of the  Card”  means any 
procedure  used  by  you,  or  someone  authorized  by  you,  to 
make a purchase or an advance whether or not the purchase 
or  advance  is  evidenced  by  a  signed  written  document. 
“Unauthorized use” means the use of your Card by a person, 
other than you, who does not have actual, implied, or apparent 
authority for such use, and from which you receive no benefit. 
In this Agreement, any plural terms shall be deemed singular 
and any singular terms shall be deemed plural when context 
and construction so require.

EXTENSION OF CREDIT: If your application is approved, 
we may, at our discretion, establish an Account in your name 
and  cause  one  or  more  Cards  to  be  issued  to  you  or  those 
designated by you. In such event, you authorize us to pay for 
your Account  all  items  reflecting  credit  purchases,  balance 
transfers,  and  cash  advances  obtained  through  use  of  the 
Card.

JOINT  APPLICANT  LIABILITY:  If  this  Agreement 
is  executed  by  more  than  one  person,  each  of  you  shall  be 
jointly and individually liable to us for all charges made to 
the Account, including applicable fees. In addition, you agree 
that each of you designates the other as agent for the purpose 
of  making  purchases  extended  under  this  Agreement  and 
each use of your Account shall be an extension of credit to 
all.  Notice  to  one  of  you  shall  constitute  notice  to  all. Any 
joint cardholder may remove him/herself from responsibility 
for future purchases at any time by notifying us in writing. 
However,  removal  from  the  Account  does  not  release  you 
from any liability already incurred.

CONVENIENCE  CHECKS:  We  may,  at  our  discretion, 
issue  checks  to  you  which  may  be  used  for  any  purpose 
other than making a payment for credit to your Account. By 
signing such checks, you authorize us to pay the item for the 
amount indicated and post such amount as a cash advance to 
your Account. We do not have to pay any item which would 
cause  the  outstanding  balance  in  your  Account  to  exceed 
your credit limit. Charges that apply in connection with the 
use  of  Convenience  Checks  are  as  follows:  Copy  of  Paid 
Convenience Check $5.00; Stop Payment on Convenience 
Check  $20.00;  Convenience  Check  Reorder  Fee  $4.00; 
Non-Sufficient  Funds  Check  (NSF)  $25.00  or  an  amount 
equal  to  the  amount  for  which  the  Convenience  Check  is 
drawn,  whichever  is  less.  Fees  will  be  assessed  at  the  time 
they are incurred.

OTHERS USING YOUR ACCOUNT: If you allow anyone 
else to use your Card, you will be liable for all credit extended 
to  such  persons.  You  promise  to  pay  for  all  purchases, 
balance transfers, and cash advances made by anyone whom 
you authorize to use your Card, whether or not you notify us 

that he or she will be using it. If someone else is authorized 
to use your Card and you want to end that person’s privilege, 
you must notify us in writing, and if he or she has a Card, 
you must return the Card with your written notice for it to be 
effective.

CREDIT LIMITS: You promise that payments we make for 
your Account resulting from use of the Card will at no time 
cause  the  outstanding  balance  of  your  Account  to  exceed 
your credit limit as established by us or as adjusted from time 
to time at our discretion.

PROMISE TO PAY: You promise to pay us in U.S. dollars 
for  (a)  all  purchases,  cash  advances,  and  balance  transfers 
made by you or anyone whom you authorize to use the Card 
or Account; (b) INTEREST CHARGES and other charges 
or fees; (c) collection costs and attorney’s fees as permitted 
by applicable law, and any costs incurred in the recovery of 
the  Card;  and  (d)  credit  in  excess  of  your  credit  limit  that 
we  may  extend  to  you. At  the  end  of  each  monthly  billing 
cycle  for  which  you  have  a  balance  on  your Account,  you 
will be furnished with a periodic statement showing (i) the 
“Previous Balance” (the outstanding balance in the Account 
at the beginning of the billing cycle), (ii) the amount of all 
cash  advances,  purchases,  balance  transfers,  Late  Charges, 
Annual Fees, INTEREST CHARGES, and other charges or 
fees posted to your Account during the billing cycle, (iii) the 
amount of all payments and credits posted to your Account 
during the billing cycle, and (iv) the “New Balance” which is 
the sum of (i) and (ii) minus (iii).

You agree to pay on or before the “Payment Due Date” shown 
on the monthly periodic statement the entire New Balance or 
a  Minimum  Payment  equal  to  an  amount  which  is  at  least 
3% of the New Balance or $18.00, whichever is greater, plus 
any  amount  in  excess  of  the  credit  limit  established  by  us 
and  any  past  due  minimum  payments.  If  the  New  Balance 
is $18.00 or less, you agree to pay it in full. You may make 
extra payments in advance of the due date without a penalty, 
and you may repay any funds advanced, credit extended, or 
amount outstanding at any time without a penalty for early 
payment.  Regardless  of  the  amount  of  any  extra  payment 
during  a  given  month,  a  monthly  payment  will  be  required 
the following month if a balance remains in your Account.

COST  OF  CREDIT:  You  will  pay  an  INTEREST 
CHARGE  for  all  advances  made  against  your  Account. 
INTEREST  CHARGES  for  cash  advances,  balance 
transfers, and convenience checks begin to accrue on the date 
of the advance. If you have paid your Account in full by the 
due date shown on the previous monthly statement, or there is 
no previous balance, you have not less than 25 days to repay 
your  Account  balance  before  an  INTEREST  CHARGE 
on  new  purchases  will  be  imposed.    Otherwise,  there  is  no 
grace  period  and  new  purchases  will  incur  an  INTEREST 
CHARGE from the date they are posted to the Account.

Except for the Share Secured MasterCard and Share Secured 
VISA Accounts,  until  the  first  day  of  the  billing  cycle  that 
includes  the  (6)  six  month  anniversary  date  of  the  opening 
of your Account, you will pay an INTEREST CHARGE 
for all advances made at the Introductory Rate daily periodic 
rate  of  0.021644%,  which  has  a  corresponding  ANNUAL 
PERCENTAGE RATE of 7.9%. Thereafter, and at all times 
for the Share Secured MasterCard and Share Secured VISA 
Accounts, the periodic rate used to compute the INTEREST 
CHARGE for all advances is as follows:

                Daily Periodic   ANNUAL                                                    
Rate                     PERCENTAGE   

            RATE

Share Secured MasterCard 
and Share Secured VISA
MasterCard Platinum and 
VISA Platinum                     .027123%            9.9%

MasterCard Gold and 
VISA Gold                            .029863%            10.9%

Standard MasterCard 
and VISA Classic                 .038082%            13.9% 

The  INTEREST  CHARGE  is  figured  by  applying  the 
periodic  rate  to  the  “Balance  Subject  to  INTEREST 
CHARGE”  which  is  the  “Average  Daily  Balance”  of  your 
Account, including current transactions. The Average Daily 
Balance  is  arrived  at  by  taking  the  beginning  balance  of 
your Account  each  day,  adding  in  any  new  cash  advances 
(including  balance  transfers),  and  unless  you  pay  your 
Account  in  full  by  the  Payment  Due  Date  shown  on  the 
previous monthly statement or there is no previous balance, 
adding  in  new  purchases,  and  subtracting  any  payments  or 
credits  and  unpaid  INTEREST  CHARGE.  This  gives  us 
the daily balance. The daily balances for the billing cycle are 
then added together and divided by the number of days in the 
billing  cycle. The  result  is  the Average  Daily  Balance. The 
INTEREST  CHARGE  is  determined  by  multiplying  the 
Average Daily Balance by the number of days in the billing 
cycle and applying the periodic rate to the product.

No additional INTEREST CHARGES will be imposed on 
new purchases shown on your statement if the New Balance 
shown on the statement is paid in full by the Payment Due 
Date reflected on the statement. The Payment Due Date is not 
less than 25 days from the billing cycle closing date shown 
on your statement.

LATE  PAYMENT  FEE:   We  will  charge  a  Late  Payment 
Fee of $25 or an amount equal to the Minimum Payment for 
the applicable statement period, whichever is less, if we do 
not receive the required minimum payment for your Account 
within 15 days of the Payment Due Date.  

RETURNED PAYMENT FEE: We will charge a Returned 
Payment  Fee  of  $25  or  an  amount  equal  to  the  Minimum 
Payment  for  the  applicable  statement  period,  whichever  is 
less, each time you make a payment that is returned unpaid 
for any reason. We will charge this fee the first time a payment 
is returned unpaid, even if it is paid upon resubmission.

Late Payment Fees and Returned Payment Fees will be added 
to the balance of your Account and treated as a purchase. 

LIABILITY  FOR  UNAUTHORIZED  USE: You  may  be 
liable for the unauthorized use of your Card. If you notice the 
loss or theft of your Card or a possible unauthorized use of 
your Card, you should call us or our designee immediately at:
(800) 817-8234 (Credit Union -Business Hours Only)
(800) 442-4757 (Credit Card Center - 24 Hours)

You may also write to us or our designee at:

Fort Worth Community Credit Union
c/o Credit Card Center
P.O. Box 815909
Dallas, TX 75381-5909

Although  you  may  write  to  notify  us  of  unauthorized  use, 
calling us immediately at the telephone number above is the 
best way to keep your possible losses down.

Under MasterCard’s zero liability policy, you will not be liable 
for any unauthorized use of your MasterCard once you notify us 
orally or in writing of the loss, theft, or possible unauthorized use 
and you meet the following conditions: (1) you have exercised 
reasonable care with your Card; (2) you have not reported two 
or more incidents of unauthorized use of your Card within the 
previous 12 months; and (3) you have maintained your account 
in  good  standing.  MasterCard’s  zero  liability  policy  does  not 
apply to cash advances obtained at an ATM.

Under  VISA’s  zero  liability  policy,  you  will  not  be  liable  for 
unauthorized use of your VISA Card once you notify us orally or 
in writing of the loss, theft, or possible unauthorized use. VISA’s 
zero liability policy does not apply if you are grossly negligent 
or fraudulent in the handling of your account or your Card, nor 
does it apply in the case of cash advances obtained at an ATM.

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 $50.00.

CREDITING  OF  PAYMENTS:  We  do  not  charge  for 
payments made by regular mail service or any other standard 
payment  methods  we  accept.  If  we  charge  a  fee  for  any 
expedited payment service we offer, that fee will be disclosed 
at  the  time  you  request  the  service. All  payments  made  on 
your Account at the address designated for payment on the 
monthly periodic statement or by any other approved payment 
methods  will  generally  be  credited  to  your Account  on  the 
date of receipt.  If the date of receipt for a mailed payment 
is not a business day, the payment may not be credited until 
the  first  business  day  following  receipt.  Payments  received 
in person by one of our branch employees before the close 
of  business  will  receive  same-day  credit.  All  minimum 
payments on your Account will be applied first to collection 
costs,  then  to  any  INTEREST  CHARGE  due  as  reflected 
on the most recent periodic statement, then to any fees due, 
and the remainder to the unpaid principal balance. Payments 
received in excess of the minimum required payment will be 
applied  first  to  the  balance  with  the  highest  interest  rate,  if 
applicable. Interest paid or agreed to be paid shall not exceed 
the maximum amount permissible under applicable law, and 
in any contingency whatsoever, if we shall receive anything 
of  value  deemed  interest  under  applicable  law  that  would 
exceed  the  maximum  amount  of  interest  permissible  under 
applicable law, the excessive interest shall be applied to the 
reduction of the unpaid principal amount or refunded to you.

SPECIFICALLY  GRANT  US 
SECURITY:  YOU 
A  CONSENSUAL  SECURITY 
IN  ALL 
INTEREST 
INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH 
US NOW AND IN THE FUTURE TO SECURE REPAYMENT 
OF  CREDIT  EXTENSIONS  MADE  UNDER  THIS 
AGREEMENT.  THE  GRANTING  OF  THIS  SECURITY 
INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF 
ANY  CARD  WHICH  YOU  MAY  USE,  DIRECTLY  OR 
INDIRECTLY,  TO  OBTAIN  EXTENSIONS  OF  CREDIT 
UNDER THIS AGREEMENT.                                                                                                                        

Shares and deposits in an Individual Retirement Account or 
any other account that would lose special tax treatment under 
state or federal law if given as security are not subject to the 
security interest you are giving.

Additional  Security:  If  you  have  other  loans  with 
us,  now  or  in  the  future,  collateral  securing  those 
loans may also secure your obligations under this 
Agreement.  Please  read  any  security  agreement 
you sign in order to determine if the collateral also 
secures your obligations under this Agreement and 
other agreements you have with us.

DEFAULT: You will be in default: (1) if you fail to make any 
payment on time; (2) if you fail to keep any promises you have 
made under this or any other agreement with us; (3) if you 
become insolvent or are the subject of an order of relief under 
Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, 
by legal process, to take any of your money maintained with 
us; (5) if you have given us false or inaccurate information in 
obtaining your Card; or (6) if we reasonably believe that you 
are unable or unwilling to repay your obligations to us.

ACCELERATION:  If  you  are  in  default,  without  notice 
to  you  we  may  accelerate  your  debt  and  call  any  amounts 
you  owe  immediately  due  and  payable,  plus  INTEREST 
CHARGES, which shall continue to accrue until the entire 
amount  is  paid. You  expressly  waive  any  right  to  notice  of 
our intention to accelerate and notice that your debt has been 
accelerated.

TERMINATION  AND  CHANGES:  You  may  terminate 
this  Agreement,  by  written  notice,  as  to  future  advances 
at  any  time.  We  can  terminate  this Agreement  at  any  time 
subject to such notice as may be required by applicable law. 
Termination by either party shall not affect your obligation to 
repay  any  payments  made  for  your Account  resulting  from 
use of the Card as well as INTEREST CHARGES and other 
related charges. We may add to, change, or delete the terms 
of  this Agreement,  including  the  periodic  rate,  at  any  time 
subject to such notice as may be required by applicable law. 
If you use your Card or Account to make a purchase or cash 
advance  or  balance  transfer  after  having  been  given  notice 
of a change in terms, you agree that the existing balance in 
your Account  at  the  time  of  that  use  will  be  subject  to  the 
new terms, as shall subsequent uses, to the extent permitted 
by law.

NOTIFICATION  ADDRESS  FOR  INFORMATION 
REPORTED  TO  CONSUMER  REPORTING 
AGENCIES: We  may  report  the  status  and  payment 
history  of  your Account  to  credit  reporting  agencies 
each  month.  If  you  believe  that  the  information  we 
have  reported  is  inaccurate  or  incomplete,  please 
notify us in writing at Fort Worth Community Credit 
Union,  P.O.  Box  210848,  Bedford,  TX  76095.  Please 
include your name, address, home telephone number 
and Account number.

RECEIPT  OF  AND  AGREEMENT  TO  TERMS  AND 
CONDITIONS  OF AGREEMENT:  By  using  the  Card,  you 
agree to all the terms and conditions and promise to perform all the 
obligations, requirements, and duties contained in this Agreement, 
and you acknowledge receipt of a copy of this Agreement.

CREDIT  INVESTIGATION:  In  conjunction  with  your 
application for credit and, if approved, maintenance of your 
Account,  you  agree  that  we  have  the  right  to  investigate 
your  credit  and  employment  history,  to  verify  your  credit 
references,  to  request  and  use  credit  reports,  and  to  report 
the  way  you  pay  your Account  to  credit  bureaus  and  other 
interested parties.