How Will We Calculate Your Balance?  We use a method 
      Interest Rates and Interest Charges
                                         called �average daily balance (including new purchases).�  
                       Without Rewards With Rewards
      Annual Percentage                  See your account agreement for more details. Credit Card
                           
      Rate (APR) for    7.9%    9.9%   
                        MasterCard   MasterCard   Billing Rights: Information on your rights to dispute 
                        Platinum Premier Platinum Premier
      Purchases,                         transactions and how to exercise those rights is provided   Application
                                         in your account agreement.
                        10.9%   12.9% 
      Balance Transfers, MasterCard   MasterCard  
                         Platinum Platinum The information disclosed here is accurate as of February 2, 
      and Cash Advances                  2022.  Approval is based on your credit information obtained 
                        13.9%
                                         from consumer credit reporting agencies InvesTex Credit 
                        MasterCard  
                       Platinum Secured  Union uses.  Credit card changes require 45 days advance 
                                         notice.  Credit card holders may cancel their credit card prior 
                        This APR is not tied to an index  to the effective date of a rate change or other signi?cant 
                       and will not vary with the market. changes.
      Penalty APR and When It Applies None
      Paying Interest  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 
                                              Aldine Branch    Tomball Branch
                       balance by the due date each  905 Aldine Bender 24922 Tomball Parkway, Suite 100
                       month.  We will begin charging  Houston, Texas 77032  Tomball, Texas 77375 
                       interest on cash advances 
                                            Cypresswood Branch NLW-Heights Branch
                       and balance transfers on the 
                                          230 Cypresswood Drive, Suite H 1614 N. Durham
                       transaction date.     Spring, Texas 77388  Houston, Texas 77008
      Minimum Interest Charge None
                                             Atascocita Branch FM 1960 Branch & Corporate Of?ce
                                            5212 Atascocita Road 8404 FM 1960 Bypass Road W
      For Credit Card Tips from the  To learn more about factors 
                                            Humble, Texas 77346 Humble, Texas 77338 
      Consumer Financial Protection  to consider when applying 
      Bureau.          for or using a credit card, visit 
                       the website of the Consumer  Hours of Operation            Rates as           %
                       Financial Protection Bureau at  Lobby Hours                  low as 7.9 7.9   APR* APR*
                       www.consumer?nance.gov/ Monday, Tuesday, Wednesday, Friday: 8:30am to 5:00pm
                                                    Thursday: 9:00am to 5:00pm
                       learnmore.
                                                    Saturday: 8:30am to 3:00pm
      Fees
                                                        Drive-Thru 
      Annual Fee       None                       Monday-Friday: 8:30am to 6:00pm
                                                    Saturday: 8:30am to 3:00pm
      Transaction Fees
       � Balance Transfer None                           eBranch 
       � Cash Advance  None                       Monday-Friday: 8:30am to 6:00pm
       � Foreign Transaction 1% of each transaction amount  Saturday: 8:30am to 3:00pm
                       in U.S. dollars.
                                                     InvesTexCU.org
      Penalty Fees     Either $30 each month the 
                                                      281.449.0109
       � Late Penalty  minimum payment is not paid 
                                                    Fax 281.219.7664                        On MasterCard 
                       within ten (10) days of the 
                                                   Info@InvesTexCU.org
                       due day or the amount of your                                       Platinum Premier
                       minimum payment if below $30.
                                          *APR is Annual Percentage Rate. Rates Di?er on Other Credit Card Products O?ered at InvesTex.
       � Over-the-Credit Limit None
       � Returned Payment Up to $33 fee for each item 
                                                This credit union is federally insured by the
                       returned.                                    Revised 02/22 INVESTEXCU.ORG 
                                                National Credit Union Administration.
                                                                                 281.449.0109
                                   A table that includes the APRs and 
      8404 FM 1960 Bypass Road W   other required cost disclosures for 
      Humble, TX 77338             credit card applications is on the 
      (281) 449-0109  .  InvesTexCU.org reverse side of this application. CREDIT CARD APPLICATION
       Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.
       q 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. 
       q 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.
       q Guarantor: Complete the Other section if you are a guarantor on an account/loan.
      n        Limit Requested  $              Other:        nCo-Applicant    nAuthorized User
      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  q PLATINUM PREMIER WITH REWARDS    q PLATINUM PREMIER WITHOUT REWARDS    q PLATINUM WITH REWARDS  
       UNION USE  q PLATINUM WITHOUT REWARDS    q PLATINUM SECURED
       ONLY     q APPROVED          NO. OF CARDS_______      CREDIT LIMIT $______________   CREDIT CARD NUMBER______________________________
                q DECLINED           CREDIT COMMITTEE OR LOAN OFFICER SIGNATURE_________________________________________________________
                           DETACH AND RETURN THIS APPLICATION TO YOUR CREDIT UNION Revised 02/22
                                                                    8404 FM 1960 Bypass Road W
                                                                           Humble, TX 77338
                                                                        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  applying the periodic rate to the �balance subject to FINANCE CHARGE� which is the 
      to be bound by this Agreement; �Card� means the MasterCard credit card and any  �average daily balance� of your account, including certain current transactions. The 
      duplicates, renewals, or substitutions the Credit Union issues to you; �Account� means  �average  daily balance� is arrived by taking the beginning balance of your account 
      your MasterCard credit card line of credit account with the Credit Union, and �Credit  each day and adding any new cash advances, and, unless you pay your account in full by 
      Union� means the Credit Union whose name appears on this Agreement or anyone to  the due date shown on your previous monthly statement or there is no previous balance, 
      whom the Credit Union transfers this Agreement. adding in new purchases, and subtracting any payment or credits and unpaid FINANCE 
                                               CHARGES. The daily balances for the billing cycle are then added together and divided 
      1. Using Your Account - If you are approved for an Account, the Credit Union will 
                                               by the number of days in the billing cycle. The result is the �average daily balance�. 
      establish a line of credit for you and notify you of your credit limit. You agree that your 
                                               The FINANCE CHARGE is determined by multiplying the �average daily balance� by 
      credit limit is the maximum amount (purchases, cash advances, ?nance charges, plus 
                                               the number of days in the billing cycle and applying the periodic rate to the product. 
      �other charges�) that you will have outstanding on your Account at any time. If you 
                                               You may pay any amounts outstanding at any time without penalty for early payment.
      are over your credit limit, you must pay the amount you are over before payments will 
      begin to restore your credit limit. You may request an increase in your credit limit only  6. Other Charges - The following other charges (fees) will be added to your Account, 
      by a method acceptable to the Credit Union. The Credit Union has the right to reduce  as applicable: 
      your credit limit, refuse to make advance and/or terminate your Account at any time for 
                                               a. Over-the-Credit-Limit Fee: None
      any reason not prohibited by law.
                                               b. Late Payment Fee: Either $30 each month the minimum payment is not paid 
      2. Using Your Card - You may use your card to make purchases from merchants and 
                                               within ten (10) days of the due day or the amount of your minimum payment if below 
      others who accept MasterCard Cards. However, you may not use your Card to initiate 
                                               $30.
      any type of gambling transaction. If you wish to pay for goods or services over the 
      internet, you may be required to provide card member security information before you  c. Return Check Fee: If a check or share draft used to make a payment on your 
      will be permitted to complete the transaction. You may also obtain cash advances from  account is returned unpaid, you may be charged a fee up to $33 for each item returned. 
      the Credit Union and from other ?nancial institutions that accept MasterCard Cards,  In no event will the Return Check Fee exceed the required minimum payment for the 
      and from some automated teller machines (ATMs). (Not all ATMs accept MasterCard  applicable statement period. 
      Cards.) To obtain cash advances from an ATM, you must use the Personal Identi?cation 
                                               d. Collection Costs: You agree to pay all costs of collecting the amount you owe 
      Number (PIN) that is issued to you for use with your Card. You agree that you will not 
                                               under this Agreement, including court costs and reasonable attorney�s fees.
      use your Card for any transaction that is illegal under applicable federal, state, or local 
      law.                                     7. Payments - Each month you must pay at least the minimum payment shown on 
                                               your statement by the date speci?ed on the statement or no later than twenty-?ve (25) 
      3. Responsibility - You agree to pay all charges (purchases and cash advances) to  days from the statement closing date, whichever is later. If your statement says the 
      your Account that are made by you or anyone whom you authorize to use your Account.  payment is �Now Due,� your payment is due no later than twenty-?ve (25) days from 
      You also agree to pay all ?nance charges and other charges added to your Account  the statement closing date. You may pay more frequently, pay more than the minimum 
      under the terms of this Agreement or another agreement you made with the Credit  payment or pay the Total New Balance in full. If you make extra or larger payments, 
      Union. If this is a joint Account, Section 19 below also applies to your Account. you are still required to make at least the minimum payment each month your Account 
      4. Military Lending Act - Federal law provides important protections to members  has a balance (other than a credit balance).  The minimum payment is 3% of your Total 
      of the Armed Forces and their dependents relating to extensions of consumer credit.  New Balance, or $15.00, whichever is greater, plus the amount of any prior minimum 
      In general, the cost of consumer credit to a member of the Armed Forces and his or  payments that you have not made, and any amount you are over your credit limit. The 
      her dependent may not exceed an annual percentage rate of 36 percent. This rate  Credit Union also has the right to demand immediate payment of any amount by which 
      must include, as applicable to the credit transaction or account:  The costs associated  you are over your credit limit.
      with credit insurance premiums; fees for ancillary products sold in connection with the  8. Payment Allocation - Subject to applicable law, your payments may be applied to 
      credit transaction; any application fee charged (other than certain application fees for  what you owe the Credit Union in any manner the Credit Union chooses.
      speci?ed credit transactions or accounts); and any participation fee charged (other than 
      certain participation fees for a credit card account.) 9. Security Interest - If you give the Credit Union a speci?c pledge of shares by 
                                               signing a separate pledge of shares, your pledged shares will secure your Account. 
      Please call us at 281-449-0109 to receive oral disclosures of the Military Lending Act  You may not withdraw amounts that have been speci?cally pledged to secure your 
      disclosure above and a description of the payment obligation.  Account until the credit union agrees to release all or part of the pledged amount. In 
                                               addition, your Account is secured by all other shares you have in any individual or joint 
      5. Finance Charges - If your Card features an Introductory Rate, you will pay a FINANCE 
                                               account with the Credit Union, except for shares in an Individual Retirement Account 
      CHARGE for the transaction categories and time period, and at the introductory periodic 
                                               or in any other account that would lose special tax treatment under state or federal 
      rate and ANNUAL PERCENTAGE RATE set forth on the Account Opening Disclosures 
                                               law if given as security. You authorize the Credit Union to apply the balance in your 
      provided after your application is approved. After the introductory period, and during the 
                                               individual or joint share accounts to pay any amounts due on your Account if you should 
      introductory period for any transaction categories not subject to the Introductory Rate: 
                                               default. Collateral securing other loans you have with the Credit Union may also secure 
      You will pay a FINANCE CHARGE for all advances made against your MASTERCARD 
                                               this loan, except that a dwelling will never be considered as security for this Account, 
      PLATINUM SECURED credit card at the periodic rate of .0380822% per day, which 
                                               notwithstanding anything to the contrary in any other agreement.
      has a corresponding ANNUAL PERCENTAGE RATE of 13.9%.  You will pay a FINANCE 
      CHARGE for all advances made against your MASTERCARD PLATINUM credit card  10. Default - You will be in default if you fail to make any minimum payment or 
      (With Rewards) at the periodic rate of .0353425% per day, which has a corresponding  other required payment by the date that it is due. You will be in default if you break 
      ANNUAL PERCENTAGE RATE of 12.9%.  You will pay a FINANCE CHARGE for all  any promise you make under this Agreement. You will be in default if you die, ?le for 
      advances made against your MASTERCARD PLATINUM credit card (Without Rewards)  bankruptcy or become insolvent, that is, unable to pay your obligations when they 
      at the periodic rate of .0298630% per day, which has a corresponding ANNUAL  become due. You will be in default if you make any false or misleading statements in any 
      PERCENTAGE RATE of 10.9%.  You will pay a FINANCE CHARGE for all advances made  credit application or credit update. You will also be in default if something happens that 
      against your MASTERCARD PLATINUM PREMIER credit card (With Rewards) at the  the Credit Union believes may substantially reduce your ability to repay what you owe.
      periodic rate of .0271233% per day, which has a corresponding ANNUAL PERCENTAGE 
                                               When you are in default, the Credit Union has the right to demand immediate payment 
      RATE of 9.9%.  You will pay a FINANCE CHARGE for all advances made against your 
                                               of your full Account balance without giving you notice. If immediate payment is 
      MASTERCARD PLATINUM PREMIER credit card (Without Rewards) at the periodic rate 
                                               demanded, you agree to continue paying ?nance charges, at the periodic rate charged 
      of .0216438% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 
                                               before default, until what you owe has been paid, and any shares that were given as 
      7.9%. Cash advances incur a FINANCE CHARGE from the date they are posted to the 
                                               security for your Account may be applied towards what you owe.
      account. If you have paid your account in full by the due date shown on your previous 
      statement, or there is no previous balance, you have not less than 25 days to repay  11. Liability for Unauthorized Use-Lost/Stolen Card Noti?cation - You agree 
      your account balance before a FINANCE CHARGE on new purchases will be imposed.  to notify us immediately, orally or in writing, at 8404 FM 1960 Bypass Road W, Humble, 
      Otherwise there is no grace period and new purchases will incur a FINANCE CHARGE  TX 77338, or 800-449-7728, of the loss, theft, or unauthorized use of your credit card. 
      from the date they are posted to the account. The FINANCE CHARGE is ?gured by  You may be liable for the unauthorized use of your credit card. You will not be liable for 
      unauthorized use that occurs after you notify us of the loss. If you exercise reasonable  21. No Waiver - The Credit Union can delay enforcing any of its rights any number of 
      care in safeguarding your card from risk of loss or theft and, upon discovering the loss or  times without losing them.
      theft promptly report the loss or theft to us, you will not be liable for any unauthorized 
                                               22. Statement And Notices - Statements and notices will be mailed to you at the 
      transactions. In any case, your liability will not exceed $50.00.
                                               most recent address you have given the Credit Union. Notice sent to any one of you will 
      12. Changing or Terminating Your Account - The Credit Union may change  be considered notice to all. 
      the terms of the Agreement from time to time. Notice of any change will be given in 
                                               23. Final Expression - This Agreement is the ?nal expression of the terms and 
      accordance with applicable law. If permitted by law and speci?ed in the notice to you, 
                                               conditions of this MasterCard line of credit between you and the Credit Union. This 
      the change will apply to your existing Account balance as well as to future transactions. 
                                               written Agreement may not be contradicted by evidence of any alleged oral agreement.
      Either you or the Credit Union may terminate this Agreement at any time, but 
                                               24. Copy Received - You acknowledge that you have received a copy of the 
      termination by you or the Credit Union will not affect your obligation to pay the Account 
                                               Agreement. 
      balance plus any ?nance and other charges your owe under this agreement. You are 
      also responsible for all transactions made to your Account after termination, unless the  25. Signatures - By signing in the Signature area of the application form that was 
      transactions were unauthorized.          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 
      The Card or Cards you receive remain the property of the Credit Union and you must 
                                               your records.
      recover or surrender to the Credit Union all Cards upon request or upon termination 
      of this Agreement whether by you or the Credit Union. The Credit Union has the right  26. Credit Card Changes - Any Credit Card changes require 45 days advance notice. 
      to require you to pay your full Account balance at any time after your Account is  Credit Card holders may cancel their credit card prior to the effective date of the 
      terminated, whether it is terminated by you or the Credit Union. If this is a joint Account,  changes.
      Section 19 of this Agreement also applies to termination of the Account. 27. Age - Applicants must be 21 years of age or a parent/legal guardian will be 
      13. Credit Information - You authorize the Credit Union to investigate your credit  required to sign as a co-applicant. 
      standing when opening or reviewing your Account. You authorize the Credit Union 
      to disclose information regarding your Account to credit bureaus and creditors who 
      inquire about your credit standing. If your account is eligible for emergency cash and/or  YOUR BILLING RIGHTS
      emergency card replacement services, and you request such services, you agree that we  KEEP THIS NOTICE FOR FUTURE USE
      may provide you with the requested service(s).
                                               This notice contains important information about your rights and our responsibilities 
      14. Returns and Adjustments - Merchants and others who honor your Card may 
                                               under the Fair Credit Billing Act.
      give credit for returns or adjustments, and they will do so by sending the Credit Union 
      a credit slip which will be posted to your Account. If your credits and payments exceed  Notify Us In Case of Errors Or Questions About Your Bill -  
      what you owe the Credit Union, the amount will be applied against future purchases 
                                               If you think your bill is wrong or if you need more information about a transaction on 
      and cash advances. If the credit balance amount is $1 or more, it will be refunded upon 
                                               your bill, write us on a separate sheet at the address listed on your bill. Write to us as 
      your written request or automatically after six (6) months. 
                                               soon as possible. We must hear from you no later than sixty (60) days after we sent you 
      15. Automatic Billing Updater (ABU) -  InvesTex Credit Union subscribes to the  the ?rst bill on which the error or problem appeared. You can telephone us, but doing 
      MasterCard Automatic Biller Updater program and provides updated card information  so will not preserve your rights.
      to the service. Merchants who may participate in the Automatic Billing Updater program 
                                               In your letter, give us the following information:
      will receive updated cardholder information for recurring card transactions. Information 
      such as your expiration date, card number (if the original card was lost/stolen/transferred)  �  Your name and account number.
      and closed card noti?cations are updated with this service and communicated directly  �  The dollar amount of the suspected error.
      to participating merchants with whom you have recurring payments. To ensure your  �  Describe the error and explain, if you can, why you believe   there is an error. If you 
      payments continue uninterrupted, we recommend you continue to notify each merchant  need more information, describe the item you are not sure about. 
      of any card changes since not all merchants subscribe to this service.  If you have authorized us to pay your credit card bill automatically from your savings or 
                                               share draft account, you can stop the payment on any amount you think is wrong. To 
      16. Additional Bene?ts/Card Enhancements - The Credit Union may from time to 
                                               stop the payment your letter must reach us three (3) business days before the automatic 
      time offer additional services to your Account, such as travel accident insurance, at no 
                                               payment is scheduled to occur. 
      additional cost to you. You understand that the Credit Union is not obligated to offer 
      such services and may withdraw or change them at any time.  Your Rights And Our Responsibilities After We Receive Your Written Notice - 
      17. Foreign Transactions -  Purchases, cash advances and cash withdrawals made in  We must acknowledge your letter within thirty (30) days, unless we have corrected the 
      foreign currencies will be debited from your account in U.S. dollars. The exchange rate  error by then. Within ninety (90) days, we must either correct the error or explain why 
      used to convert foreign currency transactions to U.S. dollars is either a government- we believe the bill was correct. 
      mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. 
                                               After we receive your letter, we cannot try to collect any amount you question, or report 
      The rate MasterCard uses for a particular transaction is the rate MasterCard selects for 
                                               you as delinquent. We can continue to bill you for the amount you question, including 
      the applicable currency on the day the transaction is processed. This rate may differ 
                                               ?nance charges, and we can apply an unpaid amount against your credit limit. You do 
      from the rate applicable on the date the transaction occurred or was posted to your 
                                               not have to pay any questioned amount while we are investigating, but you are still 
      account.                                                                                                                                             
                                               obligated to pay the parts of your bill that are not in question. 
      A fee of up to 1 percent will be charged on all transactions completed outside of the  If we ?nd that we made a mistake on your bill, you will not have to pay any ?nance 
      United States where the cardholder�s country code differs from the merchant�s country  charges related to any questioned amount. If we didn�t make a mistake, you may have 
      code. In addition, a fee up to 1 percent will be charged on all transactions completed  to pay ?nance charges, and you will have to make up any missed payments on the 
      in a foreign currency. All fees are calculated based on the transaction amount after it is  questioned amount. In either case, we will send you a statement of the amount you 
      converted to U.S. dollars. These fees are charged except where included.  owe and the date that it is due. 
      18. Merchant Disputes - The Credit Union is not responsible for the refusal of  If you fail to pay the amount that we think you owe, we may report you as delinquent. 
      any merchant or ?nancial institution to honor your Card. The Credit Union is subject  However, if our explanation does not satisfy you and you write to us within ten (10) 
      to claims and defenses (other than tort claims) arising out of goods or services you  days telling us that you still refuse to pay, we must tell anyone we report to that you 
      purchase with the Card if you have made a good faith attempt but have been unable  have a question about your bill. And, we must tell you the name of anyone we reported 
      to obtain satisfaction from the merchant or service provider, and (a) your purchase was  you to. We must tell anyone we report you to that the matter has been settled between 
      made in response to an advertisement the Credit Union sent or participated in sending  us when it ?nally is. 
      to you; or (b) your purchase cost more than $50 and was made in your state or within 
                                               If we don�t follow these rules, we can�t collect the ?rst $50 of the questioned amount, 
      one hundred (100) miles of your home.
                                               even if your bill was correct.
      19. Joint Accounts - If this is a joint Account, each person on the Account must sign 
                                               Special Right For Credit Card Purchases -  
      the Agreement (by signing on the application). Each of you will be individually and 
      jointly responsible for paying all amounts owed under this Agreement. This means that  If you have a problem with the quality of property or services that you purchased 
      the Credit Union can require any one of you individually to repay the entire amount  with a credit card, and you have tried in good faith to correct the problem with the 
      owed under this Agreement. Each of you authorizes the other(s) to make purchases  merchant, you may have the right not to pay the remaining amount due on the property 
      or cash advances individually. Any one of you may terminate the Account and the  or services. There are two (2) limitations on this right:
      termination will be effective as to all of you. �  You must have made the purchase in your home state or within one hundred 
      20. Effect of Agreement - This Agreement is the contract which applies to all  (100)  miles of your current mailing address; and
      transactions on your Account even though the sales, cash advances, credit or other slips  �  The purchase price must have been more than $50. 
      you sign or receive may contain different terms.
                                               These limitations do not apply if we own or operate the merchant, or if we mailed you 
                                               the advertisement for the property or services.
                            AMENDMENT TO CREDIT CARD APPLICATION AND
                              MASTERCARD CREDIT CARD AGREEMENT
             The following terms supersede the same terms appearing in the Credit Card Application and
             MasterCard Credit Card Agreement. All other terms remain in effect.
             Interest Rates and Interest Charges
                                  Platinum      Platinum Premier Platinum Secured
                                  0% intro APR for 12 monthly billing
                                  cycles on all balance transfers and cash 
             Annual Percentage Rate  advances processed for the first 90 days 
             (APR) for Purchases,  after a new credit card account is opened.
             Balance Transfers, and Cash  Without Rewards  Without Rewards  13.9%
             Advances
                                  10.9%         7.9%
                                  With Rewards  With Rewards
                                  12.9%         9.9%
             How to Avoid Paying  Your due date is at least 25 days after the close of each billing 
             Interest on Purchases cycle. We will not charge you interest on purchases if you pay 
                                  your entire balance by the due date each month.
             For Credit Card Tips from  To learn more about factors to consider when applying for or using a
             the Consumer Financial  credit card, visit the website of the Consumer Financial Protection 
             Protection Bureau    Bureau at  http://www.consumerfinance.gov/learnmore
             Fees
             Annual Fee           None
             Transaction Fees
               Foreign Transaction Up to  2% of each transaction in U.S. dollars
               Cash Advance       None
             Penalty Fees
               Late Payment       Up to $30
               Returned Payment   Up to  $33
             How  We  Will  Calculate  Your  Balance:  We  use  a  metho
                                     ard Agreement for more details.
             The information about the costs of the cards described in this application is accurate as of 
             8/2020. This information may have changed after that date. To find out what may have changed, 
             write to us at InvesTex Credit Union, 8404 FM 1960 Bypass West Road, Humble, TX 77338 or 
             call (281) 449-0109.
                                                                  Rev. 02/23/22