Fort Community CREDIT UNION You’re worth more (to us). Account Opening Disclosures IMPORTANT INFORMATION CONCERNING RATES AND FEES FOR THE CARDS Interest Rates and Interest Charges                     MasterCard and VISA Platinum MasterCard and VISA Platimun Share Secured Annual Percentage 7.9” introducto : . ry APR for the first Rate (APR) for Purchases six months. APR for Balance After that, your APR will be based on 9.9” Transfers your creditworthiness: ; 9.9” - 13.9” APR for Cash Advances Penalty APR and When it No penalty APR Applies How to Avoid Your due date is at least 25 days after the close of each billing cycle. We will Paying Interest on not charge you interest on purchases if you pay your entire balance by the Purchases due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge No minimum interest charge For Credit Card Tips from | !0 learn more about factors to consider when applying for or using the Consumer Financial a credit card, visit the website of the Consumer Financial Protection Protection Bureau Bureau at http:/\www.consumerfinance.gov/learnmore eS eer Annual Fee None   Transaction Fee   ¢ Foreign Transaction Up to 1% of each transaction in U.S. dollars. Penalty Fees ¢ Late Payment Up to $25       ¢ Returned Payment Up to $25   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 05/2016. This information may have changed after that date. To find out what may have changed, call 1-800-817-8234 or write to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848.     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.