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 
Important information on this program�s 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.G14294Disability/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 . 
There is a Returned Check Fee of $25.00.
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.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.
TERMS USED IN THIS AGREEMENT:  This Agreement 
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 
Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases12.90% When you open your 
account for MasterCard Classic
9.90% When you open your 
account for MasterCard Platinum
APR for Balance Transfers 12.90% When you open your 
account for MasterCard Classic
9.90% When you open your 
account for MasterCard Platinum
APR for Cash Advances 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. 
Minimum Charge None
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 None
Transaction Fees 
Balance TransferNone
Cash Advance None
Foreign Transaction 1% of transaction amount
Penalty Fees
Late Payment $20.00
Over-the-Credit Limit None
Returned Payment
Rush Order Fee$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. 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.
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 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.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.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