Copyright 2011 ConmarSystems, Peachtree City, GA  30269 �  EFORM  21922-2 Rev. 3/20                Page 1 of 2  
 
 CREDIT CARD OPENING DISCLOSURE 
16320 Kensington Drive,  
Sugar Land, TX 77479 (281) 243-0500 www.houstonfcu.org
  
 
Borrower(s) Name and Address  Date  Account/Member Number  
 Credit Limit  
Interest Rates and  
 Interest Charges   Visa Platinum Prime Lock      
 Visa Platinum Advantage/Visa Platinum Family  Visa Platinum Rewards    
 Visa Secured 
ANNUAL PERCENTAGE RATE for Purchases  Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card.  
After that your APR will be 3.25%.  
 Visa Platinum Advantage/ Visa Platinum Family - 2.99%  Introductory APR for 180 days from the issuance of the  card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card.  
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Secured - 2.99%  Introductory APR for 180 days from the issuance of the card.  After that your APR will be __________ % This APR will vary with the market based on the Prime R ate. 
ANNUAL PERCENTAGE RATE for Balance Transfers  Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Platinum Advantage/ Visa Platinum Family - 2.99%  Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Platinum Rewards - 2.99%  Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Secured - 2.99%  Introductory APR for 180 days from the issuance of the card.  After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
ANNUAL PERCENTAGE RATE for Cash Advances  Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Platinum Advantage/ Visa Platinum Family - 2.99%  Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Platinum Rewards - 2.99%  Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________ % This APR will vary with the market based on the Prime Rate.  
 Visa Secured - 2.99%  Introductory APR for 180 days from the issuance of the card.  After that your APR will be __________ % This APR will vary with the market based on the P rime Rate.  
 
How to Avoid Paying 
Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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.  
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 website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
 
Fees  
Annual Fee   $50.00  Visa Platinum  Prime Lock Only  
Transaction Fees  
Cash Advance & Balance Transfers 
Foreign Transactions   
 None 
1.00%  of each transaction   Copyright 2011 ConmarSystems, Peachtree City, GA  30269 �  EFORM  21922-2 Rev. 3/20                Page 2 of 2  Penalty Fees  
Late Payment Over-the-limit Fee 
Returned  Payment Fee   
Up to $15.00 Up to $15.00 
Up to $30.00  
How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases)�. See your a ccount agreement for more details.  
Variable Rates:  The Annual Percentage Rate for Visa Accounts are based on the prime rate as published in the Wall Street Journal  (Index) plus a margin based on your 
credit worthiness. The margin for your account is ___________________%.  The Annual Percentage Rate will change on the first day of the billing cycle following a change in the index.  The Annual Percentage Rate will never be greater than the maximum allowed by law which is currently 18 .00%. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement.   Periodic Rates: Visa Platinum Prime Lock 
� For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is 0.24917 % 
� For Purchases after the Introductory Rate; the monthly periodic rate is 0.27083% 
� For Balance Transfers, and Cash Advances after the Introductory Rate; the monthly periodic rate is 0 .27083% 
Visa Platinum Advantage/Visa Platinum Family and Visa Secured 
� For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is 0.24917% 
� For Purchases, Balance Transfers, and Cash Advances after the Introductory Rate;  the monthly periodic rate is 0.43667% 
 Visa Platinum Rewards 
� For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is  0.24917% 
� For Purchases, Balance Transfers, and Cash Advances after the Introductory Rate; the monthly periodic rate is  0.52%