Application Credit Card Disclosures

	MasterCard	VISA
Annual Percentage Rate (APR) For Purchases	2.99% fixed rate for 6 months, thereafter, an initial rate of 6.49% to 16.99%1	2.99% fixed rate for 6 months, thereafter, an initial rate of 7.49% to 17.99%1
Other APRs	For Balance Transfers: Same as for purchases1	For Balance Transfers: Same as for purchases1
	For Cash Advances: Same as for purchases1	For Cash Advances: Same as for purchases1
Variable Rate Information	Your APR may vary. The rate for purchases, cash advances and balance transfers is determined by adding a base rate to the Prime Rate. Currently the base rate range is from 1.99% to 11.99%.2	Your APR may vary. The rate for purchases, cash advances and balance transfers is determined by adding a base rate to the Prime Rate. Currently the base rate range is from 2.99% to 12.99%.2
Grace Period for Repayment of Balance for Purchases	25 days
Method for Computing the Balance for Purchases	Average daily balance including new purchases
Annual Fees	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None, except there is a 1% Foreign Transaction Fee for international transactions.
Transaction Fee for Cash Advances	None, except there is a 1% Foreign Transaction Fee for international transactions.
Late Payment	$15 or 5% of payment due, whichever is less.
Over Limit Fee	$15 or 5% of over the credit limit amount, whichever is greater.

1Your exact rate depends on your credit standing. Ask a loan officer about the rate you qualify for. If, upon evaluation of your completed application and information provided to us by others, we find you do not meet the criteria, you may receive a different product or credit may not be extended.

2The Variable Rate is based on an index, which is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th day of the month for the preceding three months and is subject to change monthly.

The information about the cost of the cards described in this application is accurate as of August, 2008. This information may have changed after that date. To find out what may have changed, call 1-800-687-4328 or write to Houston Federal Credit Union at 16320 Kensington Drive, Sugar Land, TX 77479.

MasterCard® or Visa® Credit Cards and Visa® CheckCard
Contact Town North Bank Security at 1-800-442-4757
Available 24 Hours A Day 7 Days A Week.

MasterCard® or Visa® Credit Cards and Visa® CheckCard
Contact Town North Bank at 1-800-442-4757
Available 24 Hours A Day 7 Days A Week. Refer to the Back of Your MasterCard® or Visa® Monthly Statement

To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.