How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� See the Credit Card Agreement and Disclosure Statement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement and Disclosure Statement.The information about the costs of the cards described in this application is accurate as of 11/1/2019. Thisinformation may have changed after that date. To find out what may have changed, call 1-800-817-8234 orwrite to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848* The Variable rate shown here is accurate based on a Prime Rate of 4.75
% as of 11/1/2019. We add a margin of 8.99
% - 10.99% to the Prime Rate to determine the Purchase/Balance Transfers/Cash Advances Annual Percentage Rate of 13.74
% - 15.74%.  Daily Periodic Rate .037644% - .043123%. **The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal as of the last business day of the month. SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HA VE 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.Annual Percentage Rate (APR) for Purchases andAPR for Balance Transfersand Cash AdvancesPenalty APR and When it AppliesHow to AvoidPaying Interest on PurchasesMinimum Interest ChargeFor Credit Card Tips from the Consumer Financial Protection Bureau 13.74%* - 15.74%* This APR will vary with the market based on the Prime Rate**.  Interest Rates and Interest Charges
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.No penalty APRNo minimum interest chargeTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at  
https://www.consumerfinance.gov/ask-cfpb/category-credit-cards/
  Fees
Annual FeeTransaction Fee    �  Foreign TransactionPenalty Fees    �  Late Payment    �  Returned PaymentNoneUp to 1
% of each transaction in U.S. dollars.Up to $25 Up to $25Mastercard Platinum Member Rewards Card IMPORTANT INFORMATION CONCERNING RATES AND FEES FOR CREDIT CARDS
You�re worth more (to us).