Close    Submit  
                              CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 
                P. O. Box 983 
                              DISCLOSURE  STATEMENT;  SECURITY  AGREEMENT; 
                Temple, Texas 76503 
                  254.773.1604  MILITARY ANNUAL PERCENTAGE RATE (MAPR) AND 
                  Texell.org 
                              PAYMENT OBLIGATION DISCLOSURE ("Agreement") 
                               Numbers, phrases, or words preceded by a  are applicable only if the  is marked, e.g.  
    ACCOUNT-OPENING DISCLOSURES 
    Interest Rate and Interest Charges 
     
    Annual Percentage Rate   VISA Platinum BONUS: ____________% Introductory APR for 6 months or 6 full 
    (APR) For Purchases 
                             billing cycles after Your Account is opened, whichever is greater. 
                             
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate. 
                              
                             VISA Signature BONUS: ____________% Introductory APR for 6 months or 6 full 
                             billing cycles after Your Account is opened, whichever is greater. 
                             
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate. 
                              
                             VISA Aspire: ____________%  
                               This APR will vary with the market based on the Prime Rate. 
                              
                              
    APR For Balance Transfers  VISA Platinum BONUS: ____________% Introductory APR for 6 months or 6 full billing 
                             cycles after Your Account is opened, whichever is greater. 
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate. 
                              
                             VISA Signature BONUS: ____________% Introductory APR for 24 months or 24 full 
                             billing cycles after Your Account is opened, whichever is greater. 
                             
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate. 
                              
                             VISA Aspire: ____________%  
                               This APR will vary with the market based on the Prime Rate. 
                                
                              
    APR For Cash Advances    VISA Platinum BONUS: ____________%  
                               This APR will vary with the market based on the Prime Rate. 
                              
                             VISA Signature BONUS: ____________%  
                             
                               This APR will vary with the market based on the Prime Rate. 
                              
                             VISA Aspire: ____________%  
                               This APR will vary with the market based on the Prime Rate. 
                                
                              
    Paying Interest          VISA Platinum BONUS & VISA Signature BONUS  � Your due date will be at least 25 
                             days following the statement closing date. We will not charge You interest on purchases 
                             if You pay Your entire balance owed each month by the payment due date. We will not 
                             charge You interest on balance transfers prior to the expiration of any Introductory Rate 
                             period if You pay Your entire balance owed each month by the payment due date during 
                             that period. We will begin charging interest on cash advances on the transaction date. 
                              
                             VISA Aspire � Your due date will be at least 25 days following the statement closing 
                             date. We will not charge You interest on purchases if You pay Your entire balance owed 
                             each month by the payment due date. We will begin charging interest on balance 
                             transfers and cash advances on the transaction date. 
                              
                              
    For Credit Card Tips from the  To learn more about factors to consider when applying for or using a Credit 
    Consumer Financial Protection  Card,  visit  the  website  of  the  Consumer  Financial  Protection  Bureau  at 
    Bureau                   http://www.consumerfinance.gov/learnmore. 
     
                  SEE TOP OF PAGE 2 for more important information about Your account. 
    
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    Fees  
                               
    Transaction Fees          
                              
     ?  Overdraft Transfer   For VISA Platinum BONUS and VISA Aspire, $8.00 for each transfer 
     ?  Cash Advance         For VISA Platinum BONUS and VISA Aspire, $8.00 for each advance 
                             For VISA Signature BONUS, $15.00 for each advance 
     ?  Balance Transfer     For VISA Platinum BONUS and VISA Aspire, $8.00 for each transfer not subject to an 
                             Introductory APR  
                             For VISA Signature BONUS, 3.00% [$8.00 minimum] for each transfer not subject to an 
                             Introductory APR 
                               
    Penalty Fees              
                              
     ?  Late Payment         Up to $35.00 
     ?  Returned Payment     Up to $25.00 
                              
    
    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
    Account Agreement for details.  
     
    Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your 
    Account Agreement.  
     
                    SEE PAGE 1 for more important information about Your account. 
                                            
    SECURITY AGREEMENT 
    Borrower(s):  
                                                                                  
                                             Credit Card Account Number: 
                                                                                  
                                              
                                                                                  
     
                                                                
        
                    To secure all obligations of Borrower(s) hereunder to the Credit Union You grant and consent to a lien on Your shares, and if described 
    SECURITY INTEREST 
                    below, You also give a security interest and lien in and upon the shares (Collateral) identified separately below, and any related insurance 
                    premium refunds. 
    
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares with Us, in either joint or individual accounts (except for IRA and 
    Keogh accounts), and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balanc e. You acknowledge 
    that it is Your intention for such consensual lien to apply to all shares currently on deposit, together with any shares You may deposit in the future. You 
    further acknowledge that in the event You default on Your Account, We will set -off any Credit Card indebtedness against such shares, and You agree 
    that We may do so without any further notice to You. 
    
         DESCRIPTION (Account Type(s) Pledged)  ACCOUNT NUMBER (Account Number(s) Pledged)  AMOUNT PLEDGED 
                                      
     
     
     
     
     
   By signing below, You acknowledge that You have read this entire Agreement, that You understand it, that You accept and agree to all of the terms and conditions 
   described in it, and that You have received a completed copy of it. You authorize Us to accept Your facsimile signatures and agree that Your facsimile signature will 
   have the same legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature.  
    
                                                                         
                                            
                                            
      
                                            
                                           X        
    Name of Borrower                      Signature of Borrower         Date 
                                                                        
                                                                         
                                            
                                            
      
                                            
                                           X        
    Name of Borrower                      Signature of Borrower         Date 
                                                                        
    
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    OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such increments as We may from time to time determine) to Your share draft 
    account by an advance on Your Account, subject to this provision, to clear any overdraft on Your share draft account. Whether or not such transfers occur will be 
    controlled by this Agreement. In any event, You hold Us harmless for any and all liability which might otherwise arise if the transfer does not occur. Overdraft 
    protection automatically ceases if this Agreement is ever cancelled or terminated or Your Account is in default. 
     
    If You currently have a share draft account, You authorize Us to pay any of Your overdrafts in the order listed below, and Yo u acknowledge that any advance 
    made to clear an overdraft will only be made if You have sufficient available credit. If no priority is listed, then any such overdrafts will only be charged to 
    Your Account (subject to Your available Credit Limit). If You do not have a share draft account at this time, and subsequently establish such an account in 
    the future, You acknowledge that the order in which any overdrafts will be paid shall be subject to the preference You have separately indicated to Us for 
    clearing any overdrafts. 
     
    
    
    
    
    
        1. ______________________________________________________________________________________________________________________________ 
    
    
        2. ______________________________________________________________________________________________________________________________ 
    
    
        3. ______________________________________________________________________________________________________________________________ 
    
    
     Off  STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR), AND PAYMENT OBLIGATION DISCLOSURE 
     
         If these disclosures were not provided to You in-person, We will        
         also provide these disclosures to You orally, if You contact Us         
         at the toll-free number set forth herein.  Toll-Free Number:  __________855.351.7048__________  
    
      
        
         STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR) 
         Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In 
         general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 
         36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees 
         for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified 
         credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).  
     
         PAYMENT OBLIGATION DISCLOSURE 
         Please refer to the important Account-Opening Disclosures required by the federal Truth in Lending Act, including Your Credit Card Account 
         Agreement And Federal Disclosure Statement for important information about Your payment obligations. This Agreement is being furnished to You 
         at or before the time Your open-end credit account is established.  
     
     
                                            
                                            
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               CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
   THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA 
   PLATINUM BONUS, VISA SIGNATURE BONUS, AND VISA ASPIRE CREDIT CARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF 
   YOUR VISA PLATINUM BONUS, VISA SIGNATURE BONUS, AND VISA ASPIRE CREDIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE 
   CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" means TEXELL CREDIT UNION. The words "You" and "Your" mean each person 
   accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum BONUS, VISA Signature 
   BONUS, or VISA Aspire Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum BONUS, VISA Signature BONUS, or 
   VISA Aspire Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your 
   use from time to time. If this is a joint Account, read singular pronouns in the plural. 
    
   PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a variety 
   of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which any advance 
   is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for 
   use of Your Account, including Finance Charges and other fees or charges described herein. 
    
                              Variable Rate     Daily Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card 
                                                 For Purchases       For Purchases 
                           Index    Margin 
                                                                          
    VISA Platinum BONUS  ____________  ____________  ____________%   ____________% 
                                                                          
    VISA Signature BONUS   ____________  ____________  ____________%  ____________% 
                                                                          
    VISA Aspire         ____________  ____________  ____________%    ____________% 
                                                                          
                              Variable Rate     Daily Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card 
                                                For Balance Transfers  For Balance Transfers 
                           Index    Margin 
                                                                          
    VISA Platinum BONUS  ____________  ____________  ____________%   ____________% 
                                                                          
    VISA Signature BONUS   ____________  ____________  ____________%  ____________% 
                                                                          
    VISA Aspire         ____________  ____________  ____________%    ____________% 
                                                                          
                              Variable Rate     Daily Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card 
                                                For Cash Advances   For Cash Advances 
                           Index    Margin 
                                                                          
    VISA Platinum BONUS  ____________  ____________  ____________%   ____________% 
                                                                          
    VISA Signature BONUS   ____________  ____________  ____________%  ____________% 
                                                                          
    VISA Aspire         ____________  ____________  ____________%    ____________% 
                                                                          
    
   USE  OF  YOUR  CARD.  You  may  use  Your  Card  to  buy  goods  and  services  than Your Credit Limit, You will have no credit available during any time that any 
   in any place that it is honored and to get cash advances at participating financial  aspect of Your Account is in default. 
   institutions. You agree not to use Your Card for illegal transactions including, but   
   not  limited  to,  advances  made  for  the  purpose  of  gambling  and/or  wagering   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   where such practices are in violation of applicable state and/or federal law.  repayment of any amounts owed. If any Account access device, such as a Personal 
                                            Identification Number (PIN) is requested and approved, You understand that any such 
   SECURITY. Collateral (other than household goods or any dwelling) given as  Account access device(s) will be mailed only to the primary Borrower at the address 
   security under any other loan You may have with Us will secure all amounts You  that We have on file for You. We may refuse to follow any instructions which run 
   owe Us now and in the future if that status is reflected in the "Truth-in-Lending  counter to this provision. 
   Disclosure" in any particular Agreement evidencing such debt.        
                                            MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
   ACCOUNT RESTRICTIONS � VISA ASPIRE. In order to receive and maintain a VISA  pay the Minimum Monthly Payments, You understand that You have the right to repay 
   Aspire Credit Card, You have given Us a specific pledge of shares (Collateral) which is  at any time without penalty. You also understand that You will only be charged periodic 
   described above in the Security Agreement section of this Agreement. In the event that  Finance Charges to the date You repay Your entire balance. You may make larger 
   You default on Your Account, We may apply these shares toward the repayment of any  payments without penalty. Any partial payment or prepayment will not delay Your next 
   amount  owed  on  Your  VISA  Aspire  Credit  Card.  You  may  cancel  Your  VISA   scheduled payment. All payments to Us must be in lawful money of the United States. 
   Aspire Credit Card at any time by paying any amounts owed on such Account. You  Except as required by law, We may apply payments at Our discretion. Any unpaid portion 
   understand that all shares pledged as Collateral must remain on deposit at all times,  of the Finance Charge will be paid by subsequent payments and will not be added to 
   except to the extent that You repay all amount(s) You owe to Us and close Your Account.  Your principal balance. You understand that any delay in the repayment of Your unpaid 
   To be certain that Your entire balance and all advances are paid, the shares pledged  balance will increase Your periodic Finance Charges and any acceleration in the 
   may not be available to You for at least 30 days after You have cancelled and any  repayment of Your unpaid balance will decrease Your periodic Finance Charges. 
   outstanding balance is paid in full.      
                                            Minimum Monthly Payments will be an amount equal to 3.00% of Your new unpaid 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which  Account balance at the end of each billing cycle, subject to the lesser of $25.00 or 
   You are approved. Unless You are in default, the Credit Limits established for You  Your balance, plus any portion of the Minimum Payments shown on prior statement(s) 
   will generally be self-replenishing as You make payments. You will keep Your  which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
   unpaid balance within Your Credit Limit set by Us, and You will pay any amount   
   over Your Credit Limit on Our demand whether or not We authorize the advances  You may authorize Us to charge Your payment directly to Your share or share 
   which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less  draft account. 
    
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   FINANCE CHARGES.  Finance charges on Your Account will accrue as set  VISA Signature BONUS � Introductory Rate on Balance Transfer Transactions.  
   forth below.                             For VISA Signature BONUS, each balance transfer transaction obtained during the first 
                                            24 billing cycles following the date that Your Account is established will accrue Finance 
   VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire � Purchase  Charges  at  a  discounted  Introductory  Daily  Periodic  Rate  of  ___________% 
   Transactions. In the case of any purchase transactions under Your Account, the  (corresponding ANNUAL PERCENTAGE RATE __________%) for a period ending 
   balances subject to the periodic Finance Charge are the average daily transactions  with the 24th complete billing cycle following the date of Card issuance. Upon the 
   balances outstanding during the month (including new transactions). To get the  expiration of an Introductory Rate period, each such balance will be subject to the non-
   average daily balance for purchases, We take the beginning balance for purchases  introductory Variable Rate described elsewhere in this Agreement. If Your Account was 
   each day, add any new purchases, debit adjustments or other charges and subtract  not subject to this Introductory Rate the balance for balance transfers would have 
   any payments credited to purchases, credits and unpaid Finance Charges. This gives  accrued  Finance  Charges  at  the  Daily  Periodic  Rate  and  corresponding  Annual 
   Us the daily balance for purchases. Then, We add up all the daily balances for  Percentage Rate described elsewhere in this Agreement. 
   purchases for the billing cycle being accounted for and divide them by the number of   
   days in the billing cycle. The Finance Charge for purchases for each billing cycle is  VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire � Cash Advance 
   computed by multiplying the average daily balance for purchases that is subject to a  Transactions.  In the case of any cash advance transactions under Your Account, the 
   Finance  Charge  by  the  Daily  Periodic  Rate  times  the  number  of  days  in  the   balances subject to the periodic Finance Charge are the average daily transactions 
   billing cycle.                           balances outstanding during the month (including new transactions).  To get the 
                                            average daily balance for cash advances, We take the beginning balance for cash 
   VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire � Grace Period  advances each day, add any new cash advances, debit adjustments or other charges 
   on Purchase Transactions.  Your due date is at least 25 days after Your statement  and subtract any payments credited to cash advances, credits and unpaid Finance 
   closing date. You can avoid Finance Charges on purchases by paying the full amount  Charges. This gives Us the daily balance for cash advances. Then, We add up all the 
   of the entire balance owed each month by Your payment due date. Otherwise, the  daily balances for cash advances for the billing cycle being accounted for and divide 
   new balance of purchases, and subsequent purchases from the date they are posted  them by the number of days in the billing cycle. The Finance Charge for cash 
   to Your Account, will be subject to a Finance Charge.   advances  for  each  billing  cycle  is  computed  by  multiplying  the  average  
                                            daily balance for cash advances that is subject to a Finance Charge by the Daily 
   VISA Platinum BONUS � Introductory Rate on Purchase Transactions. For VISA  Periodic Rate.  
   Platinum BONUS, each purchase transaction obtained during the first 6 billing cycles   
   following the date that Your Account is established will accrue Finance Charges at a  VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire � No Grace 
   discounted Introductory  Daily  Periodic  Rate  of ___________%  (corresponding  Period on Cash Advance Transactions.  Cash advances obtained through the use 
   ANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th  of Your VISA Platinum BONUS Credit Card, VISA Signature BONUS Credit Card, 
   complete billing cycle following the date of Card issuance. Upon the expiration of  and/or VISA Aspire Credit Card are always subject to a Finance Charge from the date 
   an  Introductory  Rate  period  each  such  balance  will  be  subject  to  the  non- they are posted to Your Account. 
   introductory Variable Rate described elsewhere in this Agreement. If Your Account   
   was not subject to this Introductory Rate the balance for purchases would have  VARIABLE RATE.  For VISA Platinum BONUS and VISA Signature BONUS, following 
   accrued Finance Charges at the Daily Periodic Rate and corresponding Annual  the expiration of the Introductory Rate period, all purchase and balance transfers 
   Percentage Rate described elsewhere in this Agreement.  transactions are subject to a Variable Rate which is based on the highest Prime Rate 
                                            as published in the Money Rates section of The Wall Street Journal in effect on the day 
   VISA Signature BONUS � Introductory Rate on Purchase Transactions. For VISA  the Introductory Rate period expires, and subsequently, on the last day of each 
   Signature BONUS, each purchase transaction obtained during the first 6 billing cycles  calendar quarter of each year (�Index�) plus Our Margin. The Index plus the Margin 
   following the date that Your Account is established will accrue Finance Charges at a  equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate 
   discounted Introductory  Daily  Periodic  Rate  of ___________%  (corresponding  on the day the Introductory Rate period expires, and subsequently, on the first day of 
   ANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th  the calendar quarter that immediately follows a change in the Index.   
   complete billing cycle following the date of Card issuance. Upon the expiration of   
   an  Introductory  Rate  period  each  such  balance  will  be  subject  to  the  non- For VISA Platinum BONUS and VISA Signature BONUS, balances for cash advance 
   introductory Variable Rate described elsewhere in this Agreement. If Your Account  transactions are subject to a Variable Rate which is based on the highest Prime Rate as 
   was not subject to this Introductory Rate the balance for purchases would have  published in the Money Rates section of The Wall Street Journal in effect on the last day 
   accrued Finance Charges at the Daily Periodic Rate and corresponding Annual  of each calendar quarter of each year (�Index�) plus Our Margin. The Index plus the 
   Percentage Rate described elsewhere in this Agreement.  Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest 
                                            Rate on the first day of the calendar quarter that immediately follows a change in  
   VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire � Balance  the Index.   
   Transfer Transactions.  In the case of any balance transfer transactions under Your   
   Account, the balances subject to the periodic Finance Charge are the average daily  For VISA Aspire, all balances are subject to a Variable Rate which is based on the 
   transactions balances outstanding during the month (including new transactions). To  highest Prime Rate as published in the Money Rates section of The Wall Street Journal 
   get the average daily balance for balance transfers, We take the beginning balance  in effect on the last day of each calendar quarter of each year (�Index�) plus Our Margin. 
   for balance transfers each day, add any new balance transfers, debit adjustments or  The Index plus the Margin equals the Interest Rate. Changes in the Index will cause 
   other charges and subtract any payments credited to balance transfers, credits and  changes in the Interest Rate on the first day of the calendar quarter that immediately 
   unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then,  follows a change in the Index.   
   We add up all the daily balances for balance transfers for the billing cycle being   
   accounted for and divide them by the number of days in the billing cycle. The Finance  For all Cards, increases or decreases in the Interest Rate will cause like increases or 
   Charge for balance transfers for each billing cycle is computed by multiplying the  decreases in the Finance Charge and will affect the amount of Your regularly scheduled 
   average daily balance for balance transfers that is subject to a Finance Charge by the  payments. Your Interest Rate will never be greater than 18.00% and will apply to Your 
   Daily Periodic Rate.                     remaining principal balance. 
                                             
   VISA Platinum BONUS, VISA Signature BONUS and VISA Aspire � No Grace  LATE CHARGE. If Your payment is 3 or more days late, You will be charged the 
   Period on Balance Transfer Transactions.  Balance transfers obtained through the  lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge 
   use of Your VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire Credit  within 6 months of previously incurring a late charge); or (b) the amount of the 
   Cards are always subject to a Finance Charge from the date they are posted to   required minimum payment.   
   Your Account.                             
                                            FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign 
   VISA Platinum BONUS � Introductory Rate on Balance Transfer Transactions.  For  currencies, the exchange rate between the transaction currency and the billing currency 
   VISA Platinum BONUS, each balance transfer transaction obtained during the first 6  (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in 
   billing cycles following the date that Your Account is established will accrue Finance  wholesale currency markets for the applicable central processing date, which rate may 
   Charges  at  a  discounted  Introductory  Daily  Periodic  Rate  of  ___________%  vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for 
   (corresponding ANNUAL PERCENTAGE RATE __________%) for a period ending  the applicable central processing date.  
   with the 6th complete billing cycle following the date of Card issuance. Upon the   
   expiration of an Introductory Rate period each such balance will be subject to the non- OTHER FEES AND CHARGES. You will be charged the following fees associated 
   introductory Variable Rate described elsewhere in this Agreement. If Your Account  with the use of Your Card: (a) the lesser of $25.00 or the required minimum payment 
   was not subject to this Introductory Rate the balance for balance transfers would have  amount for the returned payment for any check (or other negotiable instrument used 
   accrued Finance Charges at the Daily Periodic Rate and corresponding Annual  for payment) which is returned unpaid; (b) $27.00 for each balance transfer check or 
   Percentage Rate described elsewhere in this Agreement.  balance transfer check that is submitted to Us for payment and We return unpaid; (c) 
                                             
    
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   except VISA Signature BONUS, $8.00 FINANCE CHARGE for each balance transfer  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   not subject to an introductory rate; (d) for VISA Signature BONUS, a balance transfer  We delay enforcing them. We can accept late payments, partial payments or any 
   FINANCE CHARGE equal to the greater of $8.00 or 3.00% of each balance transfer  other payments, even if they are marked "paid in full" without losing any of Our 
   not  subject  to  an  introductory  rate;  (e)  except  VISA  Signature  BONUS,  $8.00  rights under this Agreement. If any provision of this or any related agreement is 
   FINANCE CHARGE for each overdraft transfer; (f) except VISA Signature BONUS,  determined to be unenforceable or invalid, all other provisions remain in full force 
   $8.00 FINANCE CHARGE for each cash advance; (g) for VISA Signature BONUS,  and effect. 
   $15.00  FINANCE  CHARGE  for  each  cash  advance;  and  (h)  $5.00  for  each   
   replacement Card You request.            NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
                                            otherwise have a change of address. 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing   
   all transactions on Your Account including amounts paid and borrowed since Your last  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   statement. We will deliver You a statement each month in which there is a debit or  delivering to You written notice of the changes as prescribed by the Federal Truth-
   credit balance or when a Finance Charge is imposed. We need not send You a  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   statement if We feel Your Account is uncollectible or if We have started collection  Agreement includes, but is not limited to, the right to change the periodic rate 
   proceedings against You because You defaulted. EACH STATEMENT IS DEEMED  applicable to Your unpaid balance and/or future advances. 
   TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A   
   BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
                                            under this Agreement. However, You may purchase any credit insurance available 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  through Us and have the premiums added to Your outstanding balance. If You elect 
   obligation to honor any of Your Convenience Checks and may, at Our sole and exclusive  to do so, You will be given the necessary disclosures and documents separately. 
   option, refuse to pay any Convenience Check, regardless of Our reason for electing not   
   to pay such Convenience Check. You acknowledge that any such refusal to pay a  INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
   Convenience Check shall not constitute wrongful dishonor, and We are not responsible  Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
   for any resulting loss or liability. If a postdated Convenience Check is paid and, as a  Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this  Agreement  
   result, any other Convenience Check is returned unpaid, We are not responsible for any  and Disclosure. 
   resulting loss or liability.              
                                            CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform  By signing this Agreement or an application; or by using Your Account or any Account 
   any obligation under this Agreement, or any other agreement that You may have  access device; or by authorizing another to use Your Account, You agree to and 
   with Us; or (b) You should die, become involved in any insolvency, receivership or  accept its terms. 
   custodial proceeding brought by or against You; or (c) You have made a false or   
   misleading statement in Your credit application and/or in Your representations to  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   Us while You owe money on Your Account; or (d) A judgment or tax lien should be  to update information contained in Your original Account application or other financial 
   filed against You or any attachment or garnishment should be issued against any  information related to You, at Our request. You also agree that We may, from time to 
   of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or  time, as We deem necessary, make inquiries pertaining to Your employment, credit 
   proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in  standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
   good faith, believe Your ability to repay Your indebtedness hereunder is or soon  regulations. You further agree that We may give information about the status and 
   will be impaired, time being of the very essence.  payment history of Your Account to consumer credit reporting agencies, a prospective 
                                            employer or insurer, or a state or federal licensing agency having any apparent 
   Upon any occurrence of default, and to the extent permitted by law, We may, without  legitimate business need for such information.  
   prior notice or demand: (a) declare the entire balance owed under this Agreement   
   immediately due and payable; and (b) impress and enforce the Consensual Lien on  TERMINATION. Either You or We may cancel Your Account at any time, whether or 
   Your shares and dividends with Us; and (c) if applicable, setoff any Collateral pledged.  not You are in default. You will, in any case, remain liable to pay any unpaid balances 
   Any resulting deficiency owed under this Agreement shall be immediately paid to the  according to the terms of Your Account. 
   Credit Union. We can also exercise any other rights We hold under applicable law. To   
   the extent permitted by law, You waive any right You have to demand for payment,  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   notice of intent to accelerate and notice of acceleration.   time without notice. You agree to surrender Your Card and to discontinue its use 
                                            immediately upon Our request. 
   ARBITRATION (Except for Credit Subject to the Military Lending Act (MLA)). In   
   the event of default under this Agreement, We may, at Our sole and exclusive option,  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
   pursue Our remedies by filing a legal action to recover any amounts owed under this  request, a Personal Identification Number (PIN) for use with participating Automated 
   Agreement, or We may initiate arbitration proceedings.  Teller Machines (ATMs). This PIN is confidential and should not be disclosed to 
                                            anyone. You may use Your PIN to access Your Account and all sums advanced will 
   If We elect arbitration to resolve any controversy or claim arising out of Your default  be added to Your Account balance. In the event a use of Your PIN constitutes an 
   under this Agreement, such arbitration shall be administered by the American  Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer 
   Arbitration Association in accordance with its Arbitration Rules, and judgment on  Agreement may also affect Your rights.  
   the  award  rendered  by  the  arbitrator(s)  may  be  entered  in  any  court  having   
   jurisdiction thereof. Claims shall be heard by a single arbitrator. The arbitration shall  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips 
   be governed by the laws of the state in which Our principal office is located, and  You may sign or receive when using Your Card contain terms, this Agreement is the 
   arbitration shall take place in the area in which Our principal office is located. Time  contract which solely applies to all transactions involving the Card. 
   is of the essence for any arbitration under this Agreement. Arbitration hearings shall   
   take place within 90 days of the request for arbitration, and awards shall be  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You 
   rendered  within  60  days  of  the  conclusion  of  the  arbitration  proceedings.  will not be liable for the unauthorized use that occurs after You notify Us of the loss, theft, 
   Arbitrator(s)  shall  agree  to  these  limits  prior  to  accepting  appointment.  The  or possible unauthorized use by calling Us at (254) 773-1604. You may also notify Us of 
   arbitrators will have no authority to award punitive or other damages not measured  the loss, theft, or possible unauthorized use by writing to Us at P.O. Box 983, Temple, 
   by the prevailing party's actual damages, except as may be required by statute. The  TX 76503. In any case, Your liability will not exceed $50.00. 
   arbitrator(s) shall  award to  the prevailing party, if any, as determined by the   
   arbitrators, all of their costs and fees. "Costs and fees" mean all reasonable pre- PRE-AUTHORIZED RECURRING CHARGES. You may, from time to time, establish 
   award expenses of the arbitration, including the arbitrators' fees, administrative  preauthorized  recurring  charges  be  made  on  Your  Account.  You  understand  
   fees, travel expenses, out-of-pocket expenses such as copying and telephone,  that any such preauthorized recurring charges will continue unless discontinued  
   court costs, witness fees, and attorneys' fees. Except as may be required by law,  by  You  directly  with  the  service  provider  with  whom  You  preauthorized  the  
   neither a party nor an arbitrator may disclose the existence, content, or results of  recurring charge. 
   any arbitration hereunder without the prior written consent of both parties. All parties   
   hereby waive and give up all rights to a jury trial or class action relief.  To ensure that recurring preauthorized charges established and authorized by You 
                                            are not interrupted in the event that Your Card or other Access Device is reissued, 
   COLLECTION COSTS. In the event collection efforts are required to obtain payment  We may, but are under no obligation to do so, enroll Your account in automatic 
   on this Account, to the extent permitted by law, You agree to pay all court costs,  account information update services that communicate new Card/Access Device 
   private process server fees, investigation fees or other costs incurred in collection and  information to the service providers with whom You have established preauthorized 
   reasonable attorneys� fees incurred in the course of collecting any amounts owed  recurring  charges,  the  purpose  of  which  is  to  ensure  charges  You  authorize 
   under this Agreement or in the recovery of any Collateral.   continue without interruption. 
                                             
    
   Copyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.                           Page 6 of 7  OTBS 045 TEXL (7/19)  
       
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable   What To Do If You Find A Mistake On Your Statement 
   for the refusal or inability of merchants, financial institutions and others to accept    
   the Cards or Convenience Checks, or electronic terminals to honor the Cards   If You think there is an error on Your statement, write to Us at P.O. Box 983, Temple, 
   or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or   TX 76503. In Your letter, give Us the following information: 
   Convenience Checks.                      ?  Account information: Your name and Account number. 
                                            ?  Dollar amount: The dollar amount of the suspected error. 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  ?  Description of problem: If You think there is an error on Your bill, describe what 
   electronic terminal or financial institution at which transactions were made, but  You believe is wrong and why You believe it is a mistake. 
   sales, cash advance, credit or other slips cannot be returned with the statement.   
                                            You must contact Us: 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
                                             
   or Convenience Checks, You will immediately call Us at (254) 773-1604. You may 
                                            ?  Within 60 days after the error appeared on Your statement. 
   also  report  lost  or  stolen  Credit  Cards  or  Convenience  Checks  by  writing  to  
                                            ?  At least 3 business days before an automated payment is scheduled, if You want 
   Us  at  P.O.  Box  983,  Temple,  TX  76503.  In  any  case,  Your  liability  will  not  
                                               to stop payment on the amount You think is wrong. 
   exceed $50.00. 
                                             
    
                                            You must notify Us of any potential errors in writing. You may call Us, but if You do 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or 
                                            We are not required to investigate any potential errors and You may have to pay the 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account. 
                                            amount in question. 
   If Your credits and payments exceed what You owe Us, We will hold and apply this 
                                             
   credit against future purchases and cash advances, or if it is $1.00 or more refund it 
   on Your written request or automatically deposit it to Your share account after   What Will Happen After We Receive Your Letter 
   6 months.                                 
                                            When We receive Your letter, We must do two things: 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the   
   State of Texas, except to the extent that such laws are inconsistent with controlling  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   federal law.                                letter. We will also tell You if We have already corrected the error. 
                                            2)  Within 90 days of receiving Your letter, We must either correct the error or 
    ELECTRONIC COMMUNICATIONS. You authorize Us to send You, from time  explain to You why We believe the bill is correct. 
    to time, and to the extent permitted by applicable law, electronic communications   
    regarding the status of any share, share draft, and/or certificate account(s) You  While We investigate whether or not there has been an error: 
    maintain with Us. You also authorize Us to send You electronic communications  ?  We cannot try to collect the amount in question, or report You as delinquent on 
    regarding any other accounts You may maintain with Us from time to time  that amount. 
    including, but not limited to, loan accounts, credit line accounts, and credit card  ?  The charge in question may remain on Your statement, and We may continue 
    accounts.  These  electronic  communications  are  sometimes  referred  to  as  to charge You interest on that amount. 
    "transactional or relationship messages."  ?  While You do not have to pay the amount in question, You are responsible for 
                                               the remainder of Your balance. 
    You authorize Us to contact You using any wireless, cellular, mobile or other  ?  We can apply any unpaid amount against Your Credit Limit. 
    telephone number You have provided to Us on Your membership application, and   
    at any wireless, cellular, mobile or other telephone number You may furnish to Us  After We finish Our investigation, one of two things will happen: 
    or We obtain for You in the future. To the extent permitted by law, We may contact   
    You using any electronic means We choose, which may include but is not limited  ?  If We made a mistake: You will not have to pay the amount in question or any 
    to, voice messages, text messages and other similar electronic methods of  interest or other fees related to that amount. 
    communication. If You have furnished Us with any e-mail address(es), You  ?  If We do not believe there was a mistake: You will have to pay the amount in 
    understand and agree that We may send You e-mail messages regarding Your  question,  along  with  applicable  interest  and  fees.  We  will  send  You  a 
    Account(s) with Us from time to time. If You have executed or subsequently  statement of the amount You owe and the date payment is due. We may then 
    execute any separate Disclosure and Consent to Receive Electronic Documentation  report You as delinquent if You do not pay the amount We think You owe. 
    or similar form, any communications covered by such Disclosure and Consent   
    shall be subject to the terms and conditions set forth in that document. 
                                            If You receive Our explanation but still believe Your bill is wrong, You must write to 
     
                                            Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
    You understand that the nature of electronic communications is such that 
                                            report You as delinquent without also reporting that You are questioning Your bill. 
    anyone with access to Your wireless, cellular, mobile or other telephonic device 
                                            We must tell You the name of anyone to whom We reported You as delinquent, and 
    or e-mail may be able to read or listen to such transactional or relationship 
                                            We must let those organizations know when the matter has been settled between 
    messages from Us, and You agree that any person or party sending or leaving 
                                            Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
    such messages shall have no liability for any consequences resulting from the 
                                            of the amount You question even if Your bill is correct. 
    interception of such messages by any other party. Without limitation, You also 
                                             
    agree that You are responsible to pay all costs that You may incur as a result 
                                               Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    of any contact method We choose including, but not limited to, charges for 
                                             
    telecommunications, wireless and/or internet charges. 
                                            If You are dissatisfied with the goods or services that You have purchased with Your 
     
                                            Credit Card, and You have tried in good faith to correct the problem with the merchant, 
    CONSENT TO CONTACT AGREEMENT. You agree that We may, subject 
                                            You may have the right not to pay the remaining amount due on the purchase. To use 
    to applicable law, initiate telephone calls to any residential line (wireline 
                                            this right, all of the following must be true: 
    service), cellular telephone service, or other wireless service associated with 
                                             
    Your Account through use of pre-recorded or artificial voice messages and/or 
                                            1)  The purchase must have been made in Your home state or within 100 miles of 
    the use of automatic telephone dialing systems, in order for Us to service 
                                               Your current mailing address, and the purchase price must have been more than 
    Your Account, prevent fraud, collect any amounts owed to Us by You, and 
                                               $50.00. (Note: Neither of these are necessary if Your purchase was based on 
    otherwise conduct Our business with You. If You furnish Us with one or more 
                                               an advertisement We mailed to You, or if We own the company that sold You 
    cellular telephone numbers in connection with Your Account, You represent 
                                               the goods or services.) 
    You are or will be the cellular telephone subscriber with respect to each such 
                                            2)  You must have used Your Credit Card for the purchase. Purchases made with 
    number, and that Your consent extends to all such numbers You provide to 
                                               cash advances from an ATM or with a check that accesses Your Credit Card 
    Us. You understand that the telephone calls We may initiate may result in 
                                               account do not qualify. 
    charges  to  You  by  any  cellular  telephone,  internet,  or  other  digital  or 
                                            3)  You must not yet have fully paid for the purchase.  
    electronic service to which You subscribe, and You understand and agree 
                                             
    that You are solely responsible for the payment of any such charges. 
                                            If all of the criteria above are met and You are still dissatisfied with the purchase, 
                                            contact Us in writing at P.O. Box 983, Temple, TX 76503.  
         Your Billing Rights: Keep this Document for Future Use   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   This notice tells You about Your rights and Our responsibilities under the Fair  above. After We finish Our investigation, We will tell You Our decision. At that point, 
   Credit Billing Act.                      if We think You owe an amount and You do not pay, We may report You as delinquent.
      
    
   Copyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.                           Page 7 of 7  OTBS 045 TEXL (7/19)