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)  FINANCE  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, FINANCE 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 a FINANCE CHARGE for all advances 
made against your Account. FINANCE CHARGES for cash advances, balance 
transfers, and convenience checks begin to accrue on the date of the advance. 
New purchases will not incur a FINANCE CHARGE on the date they are posted 
to your Account if you have paid the Account in full by the Payment Due Date 
shown on your previous monthly statement, or if there was no previous balance.

Except for the Secured MasterCard or VISA Account, 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  a  FINANCE  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,  the 
periodic rate used to compute the FINANCE CHARGE for all advances is:

Platinum MasterCard/VISA - 0.027123% per day, which corresponds to 
an ANNUAL PERCENTAGE RATE of 9.9% (Non-variable Rate).

Gold  MasterCard/VISA  -  0.029863%  per  day,  which  corresponds  to  an 
ANNUAL PERCENTAGE RATE of 10.9% (Non-variable Rate).

Classic MasterCard/VISA - 0.038082% per day, which corresponds to an 
ANNUAL PERCENTAGE RATE of 13.9% (Non-variable Rate).

The periodic rate for all Secured MasterCard/VISA advances at all times, is 
- 0.027123% per day, which corresponds to an ANNUAL PERCENTAGE 
RATE of 9.9% (Non-variable Rate).

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  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 FINANCE 
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 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.

No additional FINANCE 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.

MasterCard
LIABILITY  FOR  UNAUTHORIZED  USE:   You  may  be  liable  for  the 
unauthorized use of your Card. You will not be liable for any unauthorized 
use of your Card if you notify us orally or in writing at the Credit Card Center, 
PO  Box  815909,  Dallas, TX  75381-5909,  1-800-442-4757,  or  FTWCCU, 
PO Box 210848, Bedford, TX 76095, 1-800-817-8234, of the loss, theft, or 
possible unauthorized use and you meet the following conditions: (1) you 
have exercised reasonable care with the Card; (2) you have not reported two 
or more incidents of unauthorized Card use within the previous 12 months; 
and (3) you have maintained your Account in good standing. The foregoing 
liability limitation does not apply to ATM cash advance transactions. In any 
case, your maximum liability for unauthorized use of the Card will not exceed 
$50  and  you  will  not  be  liable  for  any  unauthorized  use  that  occurs  after 
you notify us (or our designee) at the address or telephone number above.

VISA
LIABILITY  FOR  UNAUTHORIZED  USE:  You  may  be  liable  for  the 
unauthorized use of your Card. You will not be liable for unauthorized use of 
your Card if you notify us orally or in writing at the Credit Card Center, PO 
Box 815909, Dallas, TX 75381-5909, telephone number (800) 442-4757, or 
FTWCCU,  PO  Box  210848,  Bedford,  TX  76095,  1-800-817-8234,  of  the 

loss, theft, or possible unauthorized use. The foregoing liability limitation 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.  In any case, your liability for unauthorized use will not exceed 
$50 and you will not be liable for any unauthorized use that occurs after you 
notify us (or our designee) at the address or telephone number above.

CREDITING OF PAYMENTS:  We do not charge for payments made by 
standard mail service or other standard payment methods approved by us. If 
we charge a fee for any expedited payment service we offer, that fee will be 
disclosed to you at the time you request the service. All payments made on 
your Account at the address designated for payment on the monthly periodic 
statement will be credited to your Account on the date of receipt.  If the date 
of  receipt  is  not  a  business  day,  your  payment  will  be  credited  on  the  first 
business day following receipt.  All minimum payments on your Account will 
be  applied  first  to  collection  costs,  then  to  any  FINANCE  CHARGE  and 
other fees due, and then to the unpaid principal balance. Payments made in 
excess of the required minimum payment will be applied first to the balances 
with the highest interest rates, 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  which  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.

LATE  CHARGE:    If  a  payment  is  15  days  or  more  past  due,  you  will  be 
charged a Late Charge of $25.00

CONVENIENCE PAYMENT FEE:  If you call Customer Service a 1-800-
442-4757  and  choose  to  speak  to  an  operator  to  make  a  payment  on  your 
Account, you will be charged a Convenience Payment Fee of $8.00

ANNUAL FEE: None

RETURNED  CHECK  FEE:  We  will  charge  you  a  Returned  Check  Fee 
of $25.00 each time you pay us with a check or other form of payment that 
is returned unpaid. We will charge you this fee the first time any payment is 
returned unpaid, even if it is paid upon re-submission.

RETURNED AUTOMATIC/ELECTRONIC PAYMENT FEE: $25.00

STOP PAYMENT ON CONVENIENCE CHECK: $20.00

COPY OF A PAID CONVENIENCE CHECK: $5.00

CONVENIENCE CHECK REORDER FEE: $4.00

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL 
SECURITY INTEREST IN ALL 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.  Collateral 
securing  other  loans  with  us  may  also  secure  payments  for  your Account 
under this Agreement. 

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 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  FINANCE  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 
FINANCE 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  the  address  shown  above 
in this Agreement. 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.

ADDITIONAL PROVISIONS:  Each provision of this Agreement must be 

(over)

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 delay enforcing any of our rights under this Agreement without 
losing them.  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.

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 you a 1% Foreign 
Transaction Fee (.8% for the MasterCard Issuer Cross-border Assessment and 
.2% for the MasterCard Currency Conversion Assessment) on all international 

purchases,  cash  disbursements,  and  Account  credit  transactions,  whether 
originally made in U.S. dollars or converted from a foreign currency.

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 1% Foreign Transaction Fee. 
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.

WHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT  
NOTICE  OF 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  Statement.    If 
you think your statement is wrong or if you need more information about a 
transaction on your statement, write us on a separate sheet at the address listed 
on your statement.  Write to us as soon as possible.  We must hear from you 
no later than 60 days after we sent you the first statement 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: (1) Your name and Account 
number. (2) The dollar amount of the suspected error. (3)  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 checking account, you can stop the payment on any amount you 
think is wrong.  To stop the payment, your letter must reach us 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  30  days,  unless  we  have 
corrected the error by then. Within 90 days, we must either correct the error or 
explain why we believe the statement 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 any 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 statement that are not in question.

If we find that we made a mistake on your statement, 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 10 days telling us that you still refuse to pay, we must tell anyone 
we report you to that you have a question about your statement. 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 $50.00 of the questioned 
amount, even if your statement was correct.

Special Rule 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 limitations on this right:  (a) You must have made the purchase 
in your home state, or if not within your home state, within 100 miles of your 
current mailing address; and (b) The purchase price must have been more than 
$50.00.  These limitations do not apply if we own or operate the merchant, or 
mailed you the advertisement for the property or services.

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

You’re worth more (to us)

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

NCUA

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

FTWCCU 2010 All Rights Reserved                        Rev.02-22-2010
197APL

Fort Worth Community Credit Union
PO Box 210848, Bedford TX 76095-7848

Credit Card Agreement and Disclosure Statement 
For Your MasterCard® or VISA® Account
Effective February 22, 2010

Notice:  Read and retain this copy of your Agreement and Truth in Lending 
Disclosure 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” 
mean the credit union named above. 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 Check $5.00; Stop Payment on Check $20.00; Non-Sufficient Funds 
Check (NSF) $25.00.  Fees will be assessed at the time they are incurred.