Without Rewards

Interest Rates and Interest Charges
Annual Percentage 
Rate (APR) for
Purchases,
Balance Transfers,
and Cash Advances

7.9%   

MasterCard  
Platinum Premier

10.9% 

MasterCard  
Platinum

13.9%

MasterCard  
Platinum Secured

With Rewards

9.9%   

MasterCard  
Platinum Premier

12.9% 

MasterCard  
Platinum

This APR is not tied to an index 
and will not vary with the 
market.

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 
balance by the due date each 
month.  We will begin charging 
interest on cash advances 
and balance transfers on the 
transaction date.
None
To learn more about factors 
to consider when applying for 
or using a credit card, visit the 
website of the Federal Reserve 
Board at www.federalreserve.
gov/creditcard.

Minimum Interest Charge
For Credit Card Tips from the 
Federal Reserve Board

Fees
Annual Fee
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees

• Late Penalty

• Over-the-Credit Limit
• Returned Payment

None

None
None
1% of each transaction amount 
in U.S. dollars.
Either $28 each month the 
minimum payment is not paid 
within ten (10) days of the 
due day or the amount of your 
minimum payment if below $28.
None
$33 for each item returned.

How Will We Calculate Your Balance?  We use a method 
called “average daily balance (including new purchases).”  
See your account agreement for more details.

Billing Rights: Information on your rights to dispute 
transactions and how to exercise those rights is provided  
in your account agreement.

The information disclosed here is accurate as of July 1, 2019.  
Approval is based on your credit information obtained from 
consumer credit reporting agencies InvesTex Credit Union 
uses.  Credit card changes require 45 days advance notice.  
Credit card holders may cancel their credit card prior to the 
effective date of a rate change or other significant changes.

Aldine Branch
905 Aldine Bender
Houston, Texas 77032 

Tomball Branch
24922 Tomball Parkway, Suite 100
Tomball, Texas 77375 

Cypresswood Branch
230 Cypresswood Drive, Suite H
Spring, Texas 77388 

NLW-Heights Branch
1614 N. Durham
Houston, Texas 77008

Atascocita Branch
5212 Atascocita Road
Humble, Texas 77346

FM 1960 Branch & Corporate Office
8404 FM 1960 Bypass Road West
Humble, Texas 77338 

Hours of Operation

Lobby Hours
Monday, Tuesday, Wednesday, Friday: 8:30am to 5:00pm
Thursday: 9:00am to 5:00pm
Saturday: 8:30am to 3:00pm

Drive-Thru 
Monday-Friday: 8:30am to 6:00pm
Saturday: 8:30am to 3:00pm

eBranch 
Monday-Friday: 8:30am to 6:00pm
Saturday: 8:30am to 3:00pm

InvesTexCU.org
281.449.0109 • Toll Free 866.449.0109
Fax 281.219.7664
Info@InvesTexCU.org

This credit union is federally insured by the
National Credit Union Administration.

Credit Card
Application

Rates as 
low as

7.9%

APR*

On MasterCard 
Platinum Premier

*APR is Annual Percentage Rate. 
Rates Differ on Other Credit Card 
Products Offered at InvesTex.

Revised 07/19

INVESTEXCU.ORG 
281.449.0109

    
8404 FM 1960 Bypass West Road
Humble, TX 77338
(281) 449-0109 . InvesTexCU.org
Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.

A table that includes the APRs and 
other required cost disclosures for 
credit card applications is on the 
reverse side of this application.

CREDIT CARD APPLICATION

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
NAME (Last - First - Initial) 

Other:        nCo-Applicant    nAuthorized User
NAME (Last - First - Initial) 

MOTHER’S MAIDEN NAME

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

Employment      NAME AND ADDRESS OF EMPLOYER

Employment      NAME AND ADDRESS OF EMPLOYER

PAYMENT $

PAYMENT $

START DATE 

POSITION

START DATE 

POSITION

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE 
REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE 
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 USE 

ONLY

q PLATINUM PREMIER WITH REWARDS    q PLATINUM PREMIER WITHOUT REWARDS    q PLATINUM WITH REWARDS  
q PLATINUM WITHOUT REWARDS    q PLATINUM SECURED

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

  
8404 FM 1960 Bypass West Road
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 
to  be  bound  by  this Agreement; “Card”  means  the  MasterCard  credit  card  and  any 
duplicates, renewals, or substitutions the Credit Union issues to you; “Account” means 
your MasterCard credit card line of credit account with the Credit Union, and “Credit 
Union” means the Credit Union whose name appears on this Agreement or anyone to 
whom the Credit Union transfers this Agreement.

1. Using Your Account - If you are approved for an Account, the Credit Union will 
establish a line of credit for you and notify you of your credit limit. You agree that your 
credit limit is the maximum amount (purchases, cash advances, finance charges, plus 
“other charges”) that you will have outstanding on your Account at any time. If you 
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 
by a method acceptable to the Credit Union. The Credit Union has the right to reduce 
your credit limit, refuse to make advance and/or terminate your Account at any time for 
any reason not prohibited by law.

2. Using Your Card - You may use your card to make purchases from merchants and 
others who accept MasterCard Cards. However, you may not use your Card to initiate 
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 
will be permitted to complete the transaction. You may also obtain cash advances from 
the Credit Union and from other financial institutions that accept MasterCard Cards, 
and from some automated teller machines (ATMs). (Not all ATMs accept MasterCard 
Cards.) To obtain cash advances from an ATM, you must use the Personal Identification 
Number (PIN) that is issued to you for use with your Card. You agree that you will not 
use your Card for any transaction that is illegal under applicable federal, state, or local 
law.

3. Responsibility - You agree to pay all charges (purchases and cash advances) to 
your Account that are made by you or anyone whom you authorize to use your Account. 
You also agree to pay all finance charges and other charges added to your Account 
under the terms of this Agreement or another agreement you made with the Credit 
Union. If this is a joint Account, Section 17 below also applies to your Account.

4. Military Lending Act - Federal law provides important protections to members 
of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or 
her  dependent  may  not  exceed  an  annual  percentage  rate  of  36  percent. This  rate 
must include, as applicable to the credit transaction or account:  The costs associated 
with credit insurance premiums; fees for ancillary products sold in connection with the 
credit transaction; any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation fee charged (other than 
certain participation fees for a credit card account.)

Please call us at 1-866-449-0109 to receive oral disclosures of the Military Lending Act 
disclosure above and a description of the payment obligation. 

5. Finance Charges - You will pay a FINANCE CHARGE for all advances made against 
your MASTERCARD PLATINUM PREMIER SECURED credit card at the periodic rate of 
.0380822% per day, which has a corresponding ANNUAL PERCENTAGE RATE of 13.9%.  
You will pay a FINANCE CHARGE for all advances made against your MASTERCARD 
PLATINUM PREMIER credit card (With Rewards) at the periodic rate of .0353425% per 
day, which has a corresponding ANNUAL PERCENTAGE RATE of 12.9%.  You will pay 
a  FINANCE  CHARGE  for  all  advances  made  against  your  MASTERCARD  PLATINUM 
PREMIER credit card (Without Rewards) at the periodic rate of .0298630% per day, 
which  has  a  corresponding ANNUAL  PERCENTAGE  RATE  of  10.9%.   You  will  pay  a 
FINANCE  CHARGE  for  all  advances  made  against  your  MASTERCARD  PLATINUM 
PREMIER credit card (With Rewards) at the periodic rate of .0271233% per day, which 
has a corresponding ANNUAL PERCENTAGE RATE of 9.9%.  You will pay a FINANCE 
CHARGE  for  all  advances  made  against  your  MASTERCARD  PLATINUM  PREMIER 
credit  card  (Without  Rewards)  at  the  periodic  rate  of  .0216438%  per  day,  which 
has  a  corresponding ANNUAL  PERCENTAGE  RATE  of  7.9%.  Cash  advances  incur  a 
FINANCE  CHARGE  from  the  date  they  are  posted  to  the  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 your account balance 
before a FINANCE CHARGE on new purchases will be imposed. Otherwise there is no 
grace period and new purchases will incur a FINANCE CHARGE from the date they are 
posted to the account. The FINANCE CHARGE is figured by applying the periodic rate 
to the “balance subject to FINANCE CHARGE” which is the “average daily balance” 
of your account, including certain current transactions. The “average  daily balance” 
is arrived by taking the beginning balance of your account each day 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, 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 by the number 
of  days  in  the  billing  cycle. The  result  is  the “average  daily  balance”. The  FINANCE 
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. You may pay any 
amounts outstanding at any time without penalty for early payment.
6. Other Charges - The following other charges (fees) will be added to your Account, 
as applicable: 

a. Over-the-Credit-Limit Fee: None

b.  Late  Payment  Fee:  Either  $28  each  month  the  minimum  payment  is  not  paid 
within ten (10) days of the due day or the amount of your minimum payment if below 
$28.

c.  Return  Check  Fee:  If  a  check  or  share  draft  used  to  make  a  payment  on  your 
account is returned unpaid, you may be charged a fee of $33 for each item returned.

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.

7. Payments - Each month you must pay at least the minimum payment shown on 
your statement by the date specified on the statement or no later than twenty-five (25) 
days  from  the  statement  closing  date,  whichever  is  later.  If  your  statement  says  the 
payment is “Now Due,” your payment is due no later than twenty-five (25) days from 
the statement closing date. You may pay more frequently, pay more than the minimum 
payment or pay the Total New Balance in full. If you make extra or larger payments, 
you are still required to make at least the minimum payment each month your Account 
has a balance (other than a credit balance).  The minimum payment is 3% of your Total 
New Balance, or $15.00, whichever is greater, plus the amount of any prior minimum 
payments that you have not made, and any amount you are over your credit limit. The 
Credit Union also has the right to demand immediate payment of any amount by which 
you are over your credit limit.

8. Payment Allocation - Subject to applicable law, your payments may be applied to 
what you owe the Credit Union in any manner the Credit Union chooses.

9.  Security  Interest  -  If  you  give  the  Credit  Union  a  specific  pledge  of  shares  by 
signing  a  separate  pledge  of  shares,  your  pledged  shares  will  secure  your Account. 
You  may  not  withdraw  amounts  that  have  been  specifically  pledged  to  secure  your 
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 
account with the Credit Union, except for shares in an Individual Retirement Account 
or in any other account that would lose special tax treatment under state or federal 
law if given as security. You authorize the Credit Union to apply the balance in your 
individual or joint share accounts to pay any amounts due on your Account if you should 
default. Collateral securing other loans you have with the Credit Union may also secure 
this loan, except that a dwelling will never be considered as security for this Account, 
notwithstanding anything to the contrary in any other agreement.

10.  Default  -  You  will  be  in  default  if  you  fail  to  make  any  minimum  payment  or 
other required payment by the date that it is due. You will be in default if you break 
any promise you make under this Agreement. You will be in default if you die, file for 
bankruptcy  or  become  insolvent,  that  is,  unable  to  pay  your  obligations  when  they 
become due. You will be in default if you make any false or misleading statements in any 
credit application or credit update. You will also be in default if something happens that 
the Credit Union believes may substantially reduce your ability to repay what you owe.

When you are in default, the Credit Union has the right to demand immediate payment 
of  your  full  Account  balance  without  giving  you  notice.  If  immediate  payment  is 
demanded, you agree to continue paying finance charges, at the periodic rate charged 
before default, until what you owe has been paid, and any shares that were given as 
security for your Account may be applied towards what you owe.

11. Liability for Unauthorized Use-Lost/Stolen Card Notification - You agree 
to  notify  us  immediately,  orally  or  in  writing,  at  8404  FM  1960  Bypass West  Road, 
Humble, TX 77338, or (800) 449-7728, of the loss, theft, or unauthorized use of your 
credit card. 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 care in safeguarding your card from risk of loss or theft and, upon 
discovering the loss or theft promptly report the loss or theft to us, you will not be liable 
for any unauthorized transactions. In any case, your liability will not exceed $50.00.

12.  Changing  or  Terminating  Your  Account  -  The  Credit  Union  may  change 
the terms of the Agreement from time to time. Notice of any change will be given in 
accordance with applicable law. If permitted by law and specified in the notice to you, 
the change will apply to your existing Account balance as well as to future transactions. 
Either  you  or  the  Credit  Union  may  terminate  this  Agreement  at  any  time,  but 
termination by you or the Credit Union will not affect your obligation to pay the Account 
balance plus any finance and other charges your owe under this agreement. You are 
also responsible for all transactions made to your Account after termination, unless the 
transactions were unauthorized.
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 
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 
terminated, whether it is terminated by you or the Credit Union. If this is a joint Account, 
Section 17 of this Agreement also applies to termination of the Account.
13. Credit Information - You authorize the Credit Union to investigate your credit 
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 
emergency card replacement services, and you request such services, you agree that we 
may provide you with the requested service(s).
14. Returns and Adjustments - Merchants and others who honor your Card may 
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 
what you owe the Credit Union, the amount will be applied against future purchases 
and cash advances. If the credit balance amount is $1 or more, it will be refunded upon 
your written request or automatically after six (6) months. 

15. Automatic Billing Updater (ABU) -  InvesTex Credit Union subscribes to the 
MasterCard Automatic Biller Updater program and provides updated card information 
to the service. Merchants who may participate in the Automatic Billing Updater program 
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) 
and closed card notifications are updated with this service and communicated directly 
to  participating  merchants  with  whom  you  have  recurring  payments. To  ensure  your 
payments continue uninterrupted, we recommend you continue to notify each merchant 
of any card changes since not all merchants subscribe to this service. 

16. Additional Benefits/Card Enhancements - The Credit Union may from time to 
time offer additional services to your Account, such as travel accident insurance, at no 
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. 

17. Foreign Transactions -  Purchases, cash advances and cash withdrawals made in 
foreign currencies will be debited from your account in U.S. dollars. The exchange rate 
used to convert foreign currency transactions to U.S. dollars is either a government-
mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. 
The rate MasterCard uses for a particular transaction is the rate MasterCard selects for 
the applicable currency on the day the transaction is processed. This rate may differ 
from the rate applicable on the date the transaction occurred or was posted to your 
account.                                                                                                                                             

A fee of up to 1 percent will be charged on all transactions completed outside of the 
United States where the cardholder’s country code differs from the merchant’s country 
code. In addition, a fee up to 1 percent will be charged on all transactions completed 
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. 

18.  Merchant  Disputes  -  The  Credit  Union  is  not  responsible  for  the  refusal  of 
any merchant or financial institution to honor your Card. The Credit Union is subject 
to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or  services  you 
purchase with the Card if you have made a good faith attempt but have been unable 
to obtain satisfaction from the merchant or service provider, and (a) your purchase was 
made in response to an advertisement the Credit Union sent or participated in sending 
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.

19. Joint Accounts - If this is a joint Account, each person on the Account must sign 
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 
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 
or  cash  advances  individually. Any  one  of  you  may  terminate  the Account  and  the 
termination will be effective as to all of you.

20.  Effect  of  Agreement  -  This  Agreement  is  the  contract  which  applies  to  all 
transactions on your Account even though the sales, cash advances, credit or other slips 
you sign or receive may contain different terms.

21. No Waiver - The Credit Union can delay enforcing any of its rights any number of 
times without losing them.

22. 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. 

23.  Final  Expression  -  This  Agreement  is  the  final  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.
24.  Copy  Received  -  You  acknowledge  that  you  have  received  a  copy  of  the 
Agreement. 
25. 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.
26. 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.
27.  Age  -  Applicants  must  be  21  years  of  age  or  a  parent/legal  guardian  will  be 
required to sign as a co-applicant. 

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

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 -  
If you think your bill is wrong or if you need more information about a transaction on 
your bill, write us on a separate sheet at the address listed on your bill. Write to us as 
soon as possible. We must hear from you no later than sixty (60) days after we sent you 
the first bill on which the error or problem appeared. You can telephone us, but doing 
so will not preserve your rights.
In your letter, give us the following information:

•  Your name and account number.
•  The dollar amount of the suspected error.
•  Describe the error and explain, if you can, why you believe  there is an error. If you 

need more information, describe the item you are not sure about. 

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 
stop the payment your letter must reach us three (3) business days before the automatic 
payment is scheduled to occur. 
Your Rights And Our Responsibilities After We Receive Your Written Notice - 
We must acknowledge your letter within thirty (30) days, unless we have corrected the 
error by then. Within ninety (90) days, we must either correct the error or explain why 
we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question, or report 
you as delinquent. We can continue to bill you for the amount you question, including 
finance charges, and we can apply an unpaid amount against your credit limit. You do 
not have to pay any questioned amount while we are investigating, but you are still 
obligated to pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any finance 
charges related to any questioned amount. If we didn’t make a mistake, you may have 
to  pay  finance  charges,  and  you  will  have  to  make  up  any  missed  payments  on  the 
questioned amount. In either case, we will send you a statement of the amount you 
owe and the date that it is due. 
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 telling us that you still refuse to pay, we must tell anyone we report to that you 
have a question about your bill. And, we must tell you the name of anyone we reported 
you to. We must tell anyone we report you to that the matter has been settled between 
us when it finally is. 
If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, 
even if your bill was correct.
Special Right For Credit Card Purchases -  
If  you  have  a  problem  with  the  quality  of  property  or  services  that  you  purchased 
with a 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 property 
or services. There are two (2) limitations on this right:

•  You must have made the purchase in your home state or within one hundred 

(100)  miles of your current mailing address; and
•  The purchase price must have been more than $50. 

These limitations do not apply if we own or operate the merchant, or if we mailed you 
the advertisement for the property or services.