Mastercard Gold

Get the power of big credit in a tiny package that works worldwide, with your own Mastercard Gold credit card.

• Works worldwide
• No annual fee
• Introductory rate of 3.90%* for 6 months and rates will be 8.50% - 17.99%**
• Same rate for Cash/Balance Transfers
• No Balance Transfer fee & No Cash Advance Fee
• Satisfaction Guarantee Coverage -- up to 60 days
• Zero liability for unauthorized use
• Extended Warranty -- up to 12 extra months
• Master RoadAssist Service
• MasterCard Global Service for lost cards
• $250,000 Travel Accident Insurance Policy
• **Your exact rate is based on your credit worthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly.
• Click here for disclosure information

Apply now by filling out and returning this application to your nearest branch.

Account access and free online payments at www.dreampoints.com

*annual percentage rate

Satisfaction Guarantee Coverage -- Guarantees satisfaction with merchandise purchased for 60 days.

Purchase Assurance -- Most merchandise purchased is covered for 90 days if stolen or damaged.

Extended Warranty -- Extends the manufacturers warranty up to 12 months on most items purchased.

Master RoadAssist Service-- Emergency roadside service at pre-negotiated rates.

Travel Assistance Services -- Important services that may be needed when traveling more than 50 miles from home.

MasterCard Global Service -- 24 hour world-wide emergency services if card is lost.

Intro Rate 3.9% -- certain requirements apply

Card Benefits:

• 24 Hour Toll-free member service
• Zero liability for unauthorized use
• Baggage Delay Benefit
• Special MasterCard Smart Shopper Benefits

APR

Annual Percentage Rate.

Late Payment Fee

If a payment is 15 or more days late, a late charge of 5% of balance not to exceed $25 will be added to your account.

Dishonored Payments

A fee of $20 will be charged for each dishonored credit card payment made by check or account debit.

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

The information about the cost of the cards described in this application is accurate as of December, 2009. This information may have changed after that date. To find out what may have changed, call 1-409-727-1446 or write to MCT Credit Union at P.O. Box 279, Port Neches, TX 77651.

Lost & Stolen

Call To Report Lost or Stolen MasterCard, Vantiv at 1-800-442-4757, available 24 hours a day, 7 days a week.

Call To Report Transaction Dispute MasterCard, Vantiv at 1-800-442-4757, available 24 hours a day, 7 days a week.

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.