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 your Account information available.) 
OPTIONAL GROUP CREDIT INSURANCE LIMITATIONS,  
EXCLUSIONS, AND COSTS —  
SUMMARY OF INSURANCE COVERAGES 

this  program’s 

information  on 

Important 
limitations, 
exclusions and costs: Upon acceptance of your enrollment, you 
will  receive  your  certificates.  Eligibility,  restrictions  and  exclusions 
vary  by  coverage  and  state.  Read  your  certificates  carefully  for 
full details. You are free to cancel at any time. Premium rates are 
subject to change. Rates disclosed are accurate as of the printing 
date of this disclosure. The creditor has a financial interest in the 
sale of this insurance. The underwriters referenced below reserve 
the  right  to  modify  the  terms  and  conditions  of  the  insurance 
certificates upon written notice and subject to state regulations.

Life Benefits: If you or your joint cardmember die (to be eligible 
for  life  insurance,  joint  cardmember  must  be  spouse  or  business 
partner  in  GA,  NM,  &  TX;  if  no  joint  cardmember,  then  spouse), 
Chargegard  will  pay  the  outstanding  balance  as  of  the  date  of 
death,  up  to  the  master  policy  maximum  of  $10,000.  Suicide  is 
excluded  except  in  ME,  MD,  and  MO.  Life  converts  to  accidental 
death coverage in HI, IN and VT at age 65; in IA at age 66. Joint 
life coverage not available in CA.

Disability/Unemployment  Benefits(applies  only  to  you,  the  
primary  cardmember):  If  you  become  disabled  or  involuntarily 
unemployed,  Chargeguard  will  make  your  scheduled  minimum 
monthly  payment,  subject  to  the  master  policy  maximum  of  $500  a 
month, not to exceed $10,000.  

General  Provisions:  You  are  eligible  for  this  coverage  if  you  are 
employed  full  time  in  a  non-seasonal  occupation.  In  the  State  of 
Texas,  if  you  are  self-employed  or  an  independent  contractor  you 
are not eligible for the Unemployment coverage. Unemployment and 
Disability benefits begin after 30 consecutive days of Unemployment 
or Disability and are retroactive to the first day of loss. Benefits are 
based  on  the  outstanding  balance  as  of  the  date  of  loss  and  will 
continue  until  your  balance  is  paid  off,  you  return  to  work,  or  you 
reach  the  maximum  limits  of  the  master  policy,  whichever  occurs 
first.  Only  Life  benefits  are  available  to  co-accountholder  (spouse). 
Benefits  are  not  payable  on  items  purchased  after  you  or  your  
co-accountholder  die  or  after  you  become  disabled  or  unemployed. 
You may enroll for this coverage if you are under age 70. Coverage 
ends  at  age  71.  The  cost  for  this  coverage  is  a  combined  rate  of 
.427 per $100 of the monthly outstanding indebtedness. This rate is  
comprised of .057 for Life, .170 for Disability and .200 for Involuntary 
Unemployment.  Coverages  are  underwritten  by  American  Bankers 
Life  Assurance  Company  of  Florida  and  American  Bankers  Ins. 
Company of Florida, 11222 Quail Roost Drive, Miami FL 33157. The 
Texas  certificate  number  for  Life  and  Disability  is  AC3181CB-0592 
(3.53 R.A.) and Unemployment is AD9139CQ-0791 and B2754EQ-1089. 
The administrative offices for this program are located in Fort Worth, TX. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

12.90% When you open your 
account for MasterCard Classic
9.90% When you open your 
account for MasterCard Platinum

12.90% When you open your 
account for MasterCard Classic
9.90% When you open your 
account for MasterCard Platinum

12.90% When you open your 
account for MasterCard Classic
9.90% When you open your 
account for MasterCard Platinum

Penalty APR and When it 
Applies

 None

How to Avoid Paying Interest

Your due date is at least 25 days 
after the close of each billing cycle. 
We do not charge you interest on 
purchases if you pay your entire 
balance by the due date each 
month. 

There is a Returned Check Fee of $25.00.

Minimum Charge

None

The  information  about  the  costs  of  the  Card  described  in  this 
application  is  accurate  as  of  08/01/05.  This  information  may  have 
changed  after  that  date.  To  find  out  what  may  have  changed,  call 
1-713-222-1244 or write to Space City CU at 3101 Harrisburg Blvd., 
Houston, TX, 77003.

California residents: Applicants: 1) may, after credit approval, use the 
credit card account up to its credit limit; 2) may be liable for amounts 
extended under the plan to any joint applicant.  As required by law, 
you are hereby notified that a negative credit report reflecting on your 
credit record may be submitted to a credit reporting agency if you fail 
to fulfill the terms of your credit obligations.

Ohio  residents:  Ohio  anti-discrimination  laws  require  creditors  to 
make  credit  equally  available  to  all  credit  worthy  customers  and 
that  credit  reporting  agencies  maintain  separate  credit  histories 
on  individuals  upon  request.    The  Ohio  Civil  Rights  Commission 
administers compliance with this law.

New York and Vermont residents: At any time, we may obtain your credit 
reports, for any legitimate purpose associated with the account or the  
application or request for an account, including but not limited to reviewing, 
modifying, renewing and collecting on your account.  On your request, you  
will be informed if such a report was ordered.  If so, you will be given 
the name and address of the consumer reporting agency furnishing 
the report. 

Married  Wisconsin  residents:  No  provision  of  any  marital  property 
agreement,  unilateral  statement,  or  court  order  applying  to  marital 
property  will  adversely  affect  a  creditor’s  interests  unless  prior  to 
the time credit is granted, the creditor is furnished with a copy of the 
agreement, statement or court order, or has actual knowledge of the 
provision.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

  To learn more about factors to 
consider when applying for or  
using a credit card, visit the Web 
site of the Consumer Financial 
Protection Bureau at http://www.
consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees 
Balance Transfer

Cash Advance

None

None

None

Foreign Transaction

1% of transaction amount

Penalty Fees

Late Payment

Over-the-Credit Limit

Returned Payment
Rush Order Fee

$20.00

None

$25.00
$27.50

How We Will Calculate Your Balance. We use a method called 
“average daily balance (including new purchases).” See your account 
Agreement for more details.
Billing Rights. Reference to the account agreement for more details 
on billing-error rights.

G14294

SPACE CITY CREDIT UNION
3101 Harrisburg Blvd. • Houston, TX, 77003 
Harris County • 713-222-1244 • 800-762-3543
CREDIT CARD AGREEMENT AND  
DISCLOSURE STATEMENT FOR  
YOUR MASTERCARD® ACCOUNT

Notice:  Read and retain this copy of your Agreement and Truth in 
Lending Disclosure for future reference.

IN  THIS  AGREEMENT:  This  Agreement 
TERMS  USED 
and  Disclosure  Statement  covers  your  MasterCard®  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  $10.00;  Stop  Payment  on  Check 
$25.00; Non-Sufficient Funds Check (NSF) $25.00.  Fees will be 
assessed at the time they are incurred.

OTHERS USING YOUR ACCOUNT: If you allow anyone else to 
use  your  Card,  you  will  be  liable  for  all  credit  extended  to  such 
persons. You promise to pay for all purchases, balance transfers, 
and cash advances made by anyone whom you authorize to use 
your Card, whether or not you notify us that he or she will be using 
it.  If  someone  else  is  authorized  to  use  your  Card  and  you  want 
to end that person’s privilege, you must notify us in writing, and if 

he or she has a Card, you must return the Card with your written 
notice for it to be effective.

CREDIT  LIMITS:  You  promise  that  payments  we  make  for  your 
Account  resulting  from  use  of  the  Card  will  at  no  time  cause  the 
outstanding balance of your Account to exceed your credit limit as 
established by us or as adjusted from time to time at our discretion.

PROMISE TO PAY: You promise to pay us in U.S. dollars for (a) 
all purchases, cash advances, and balance transfers made by you  
or  anyone  whom  you  authorize  to  use  the  Card  or  Account;  (b) 
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 2% 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  MasterCard  Classic  account  at  the 
periodic  rate  of    .035342%  per  day,  which  has  a  corresponding 
ANNUAL  PERCENTAGE  RATE  of  12.9%.  All  advances  made 
against  your  MasterCard  Platinum  account  at  the  periodic  rate  
of  .027123%  per  day,  which  has  a  corresponding  ANNUAL  
PERCENTAGE  RATE  of  9.9%.  FINANCE  CHARGES  for  cash 
advances  and  balance  transfers  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.  The 
Payment Due Date is not less than 25 days from the billing cycle 
closing date shown on your statement

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, 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.

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, 
telephone  number  1-800-442-4757,  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.

CREDITING  OF  PAYMENTS:    We  do  not  charge  for  payments 
you  make  by  standard  mail  service  or  other  reasonable  means.  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 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.  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 11 days or more past due, you will 
be charged a Late Charge of $20.00.

RETURNED  CHECK  FEE:    We  will  charge  you  a  Returned  Check 
Fee  of  $25.00  each  time  you  pay  us  with  a  check  that  is  returned 
unpaid.  We  will  charge  you  this  fee  the  first  time  any  payment  is 
returned unpaid, even if it is paid upon resubmission.

terminate 

  You  may 

this 
TERMINATION  AND  CHANGES: 
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  change  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.

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.

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  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,  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.

If  you  effect  a  transaction  with  your  MasterCard  in  a  currency 
other than U.S. dollars, 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  rate  or  a  wholesale  rate  determined 
by  MasterCard  International  for  the  processing  cycle  in  which 
the  transaction  is  processed,  increased  by  an  adjustment  factor 
established  from  time  to  time  by  MasterCard  International.    The 
currency  conversion  rate  used  by  MasterCard  International  on 
the processing date may differ from the rate that would have been 
used on the purchase date or cardholder statement posting date.

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.