MasterCard	APR
MasterCard	*Introductory Rate: 2.99% for the first six billing cycles of your account.
Standard MasterCard	6.00% - 18.00% (see disclosure)
Platinum MasterCard	6.00% - 18.00% (see disclosure)

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Loan Disclosure: Actual terms and conditions may vary. All rates are subject to change without prior notice. Your rate is determined by your credit qualifications and within the disclosed range. Additional 0.25% rate discount available for automatic payment transfer from an SFCU account. Credit cards excluded. Call 713-844-1100 for additional information.

Credit Card Disclosure: *The introductory rate is for qualified borrowers only. The Standard Rate will apply if you do not qualify for the introductory rate. *Your exact rate depends on your creditworthiness and is subject to change after your account is opened. Ask a loan officer about the rate you qualify for. **If you are 60 days or more late in making a required payment on your account, we will adjust your rate to the Past Due Rate. We may adjust a Past Due Rate to the Standard Rate after you have maintained a satisfactory payment history for at least six consecutive billing cycles. ***The Prime Rate used to determine your APR is the highest Prime Rate published in The Wall Street Journal on the 15th day of each month for the preceding three months and is subject to change monthly. If the 15th falls on a weekend or a holiday in any given month, then we will use the Prime Rate published on the next business day for that month. After your account is opened, we may adjust the margin added to the Prime Rate to determine your APR due to changes in your credit standing.

Checking and Savings Disclosure: Last Dividend Declaration Date (11/07/2008) 1.  Rate Information.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For Savings, Traditional IRA, Roth IRA, Christmas Club, Checking, Be Green Checking, and Young Society accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors.  For Money Market account, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors.  The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.  The Money Market account is a Tiered Rate account.  If your balance is $2,500.00 to $9,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply for this account.  If your account balance is $10,000.00 to $24,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $25,000.00 to $49,999.99 the third Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $50,000.00 or greater, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply.  Once a particular balance range is met, the Dividend Rate and Annual Percentage Yield for that balance will apply to the full balance in your account.  The Be Green Checking account is a Tiered Rate account.  If your Daily Balance is $20,000.00 or below AND you meet all of the following minimum service requirements during the qualification cycle, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply.  If your balance is $20,000.01 or greater AND you meet all of the minimum service requirements, the second Dividend Rate and Annual Percentage Yield listed for this account will apply to the balance above $20,000.00. If you fail to meet any of the minimum service requirements during a qualification cycle, the third Dividend Rate and Annual Percentage Yield listed for this account will apply to the entire balance in the account.  “Qualification cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.  2.  Nature of Dividends.  Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. 3.  Dividend Compounding and Crediting.  The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule.  The Dividend Period is the period of time at the end of which an account earns dividend credit.  The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. 4.  Accrual of Dividends.  For all accounts, with exceptions to checking accounts, dividends will begin to accrue on deposits the business day you make the deposit to your account.  For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid. No Dividends will be paid on checking accounts with balances under $2,000.00. 

5.  Balance Information.  The minimum balance requirements applicable to each account are set forth in the Rate Schedule.  For Checking accounts, there will be no monthly fee, no charge for overdraft protection, no limit on the number of checks written or debit card usage.  Checking accounts earn dividends only on the portion of your balance $2000.00 and above.  For all accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period.  If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield.  For all accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day. 6. Account Limitations.  For a Christmas Club account, the entire balance will be paid to you by check on or after November 1 and the account will remain open.  If you withdraw any of the account balance at any time, the Credit Union will impose a fee of $5.00 for each withdrawal on the account and your account will remain open.  You may make withdrawals in the first seven (7) days after the account is opened without restriction.  For Savings accounts Reg. D transaction limitation requirements do apply.  Traditional IRA and Roth IRA limitations are listed in the Trust Application Packets. For Young Society accounts, members must be between the ages of 15 to 25 years. For Checking accounts, no account limitations apply.  For Money Market accounts no more than 6 pre-authorized automatic or telephone transfers from this account to another account of yours or to a third party in any month and no more than 3 of these 6 transfers may be made by check or draft to a third party (Reg. D requirement).  For a Be Green Checking account, the minimum service requirements are defined as 1) complete 20 debit card/POS transactions; 2) enrolled and log into Access 24 at least once a month; 3) receive e-statements; 4) have a valid email address; and 5) have at least 1 direct deposit or ACH debit made to the Be Green Checking account.  If the minimum service requirements are met (see section 1 for dividend rate information) all ATM fees will be refunded to the account.  If the minimum service requirements are not met (see section 1 for dividend rate information) all ATM fees will not be refunded to the account. 7. *Check Cashing Fee Exemptions.  The check cashing fee exemption will apply if you are 55 years of age or older, 17 years of age or younger, have a balance of $100.00 or more in savings, are making a transaction on an account or have more than one service with the credit union.

Share Certificates Disclosure: The annual percentage yield is accurate as of 09/10/2008 (the date of the most recent changes). A minimum opening deposit of $500 is needed to open a certificate account. The opening $500 minimum must be maintained to earn the stated annual percentage yield. A fee for early withdrawal will be imposed.