Regulation B and the Equal Credit Opportunity Act requires that a lender obtain evidence of each loan applicant’s INTENT TO APPLY FOR CREDIT before a 
credit decision can be made.  Failure to complete when required will render the application/request for credit incomplete. 

First Name 

Middle 

Last 

Date of Birth 

Social Security Number 

Present Street Address 

City 

State 

Zip 

Yrs.       Mos. (How Long?)  Home Phone Number 

Nearest Relative (Not Living with You) 

City 

State 

Zip 

Phone Number 

Relationship 

_____________________________________________________________________________ 
Your Current Mailing Address 

State 

City 

Zip 

EMPLOYMENT INFORMATION 

U.S. Citizen         

Permanent Resident         

Neither

Employer Name 

Address 

City 

State 

Zip 

Business Phone Number 

Occupation/Probation 

(Length of Employment) Yrs.   Mos.  Monthly Income (Before Taxes)  Additional Income* 

Source* 

Previous Employer (Even if Retired) 

City 

State 

Occupation/Position 

(Length of Employment)  Yrs.  Mos.  

*Alimony, Child Support or Separate Maintenance Income need not be revealed if you do not wish to have it considered as a basis of paying this obligation. 

If self-employed, please provide a tax return. 

FINANCIAL INFORMATION 

HAVE YOU EVER FILED BANKRUPTCY?           Yes             No 

If Yes, Year Filed:  ___________ 

________________________________________________________________________________________________________________________________________________ 
Bank or Financial Institution 

Checking Account Number 

Savings Account Number 

Address 

      Own           Rent 

________________________________________________________________________________________________________________________ 
Mo. Payment 
Mortgage Holder/Landlord   Address 

Account Number 

Balance 

___________________________________________________________________________________________________________________ 
Mo. Payment 
Year/Make Auto 

Account Number 

Lien Holder  

Address 

Balance 

CREDIT REFERENCES 

___________________________________________________________________________________________________________________ 
Mo. Payment 
Name 

Account Number 

Credit Limit 

Date Open 

Balance 

State 

City 

___________________________________________________________________________________________________________________ 
Mo. Payment 
Name

Account Number

Credit Limit

Date Open

Balance

State

City

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.  To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, 
and record information that identifies each person who opens an account.  To open an account, Bank of Commerce and/or Peoples Bank will need your name, address, date of birth and other information that will allow us to identify 
you.  We may also ask to see your driver’s license or other identifying documentation.  Bank of Commerce and/or Peoples Bank may cause a credit investigation to be made
characteristics, and creditworthiness from credit reporting
agencies and other sources to be considered a part of this application.  Revealing income from alimony, child
the above information is accurate and complete and is given

concerning your character, general reputation, personal 
support or maintenance payments is optional.  I certify that 

card described above.  I authorize Bank of Commerce and/or Peoples Bank to check

of obtaining the credit

any of the references

for the purpose

given above.

                                                                                                                                                                                                                   PCTID: _______________

Signature

________________________________________________________

Date

________________ 

________________ 

             Limit: _______________

Interest Rate: _______________          

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
            
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
             
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
          
             
 
Terms and Conditions 

Federal Truth in Lending Disclosure and Customer

Agreement 

In this Agreement, the words "you" and "your" refer to the person(s) who are

contractually liable for any debt owed under the Account. If there are two or more such

persons, 

each of them agree to be fully liable for any debt owed under the Account individually

(severally) and together (jointly). 

You agree with Bank

as follows:

1.

Definitions.

In relation to your Account and this Agreement, the following words shall

have the meaning indicated:

"Account"

means the Visa Credit Card open end line of credit account approved by Credit

Union for your use.

"Agreement"
"Annual Percentage Rate"

means this Visa Borrower Agreement.

means the cost of your credit expressed as a yearly rate as set

forth in the Schedule of Fees and Charges.

"Application"

means your request to the Bank

for the establishment of an Account in a

manner approved by the Bank.

"Authorized User"

means any person(s) permitted by you to obtain credit under your

Account, whether or not named in your Application, or any person(s) to whom you lend your

Card.

"Billing Cycle"

means the time period that expires between regular Monthly Billing

Statements.

"Card"

means any Visa Credit Card credit card issued to you by the Bank

pursuant to

this Agreement which bears the service marks owned and licensed by Visa USA.

"Cash Advance"
institution, including cash credit extended to you via an automated teller machine.

means cash credit extended by the Bank

to you in the form of a loan

of money made when you present the Card to the Bank

or to another participating financial 

"Closing Date"
"Credit Limit"

means the date of the last day of a Billing Cycle.

means the maximum amount of credit available to you on your Account as set

by the Bank

from time to time.

"Credit Purchases"
including mail or phone purchase orders of merchandise effectuated by using the account

means extensions of credit from the Bank

to you (other than Cash

number on a Card.

Advances) for Credit Purchases of merchandise or services through participating merchants, 

"Bank"

means Bank of Commerce and/or Peoples Bank

or any other person or entity to which the

Bank

assigns this Agreement or any of its rights under this Agreement.

"Finance Charge"

means the cost of credit extended to you on your Account as determined

by the Bank

expressed as a dollar amount.

"Grace Period"
means the time period in which the New Balance on a Monthly Billing
Period begins on the day following the Closing Date of a Billing Cycle and extends until the

Statement must be paid in full to avoid the further assessment of a Finance Charge. The Grace 
Payment Due Date.

"Daily Periodic Rate"

means

1/365th of the Annual Percentage Rate as set forth in the

Schedule of Fees and Charges.

"Monthly Billing Statement"

means the statement sent to you on a monthly basis reflecting

all charges and credits to your Account for each Billing Cycle.

"New Balance"
credits, posted to your Account during a Billing Cycle.

means the total of the Previous Balance together with New Credit Purchases,

Cash Advances, accrued Finance Charge and other fees and charges, less payments and 

"New Credit Purchase(s)"

means the Credit Purchase(s) posted to your Account during the

Billing Cycle reflected on your most recent Monthly Billing Statement.

"Payment Due Date"

means the date specified on your Monthly Billing Statement as the

Payment Due Date for payment to the Bank

on your Account.

"Preauthorized Charges"

means Credit Purchases for which you have given your

preauthorization for a merchant or other person to debit your Account at specified times.

"Previous Balance"
Statement for the immediately preceding Billing Cycle.

means the balance of your Account at the beginning of a Billing

Cycle,

which is the same amount as that shown on the "New Balance" on your Monthly Billing 

"Schedule of Fees and Charges"
Account.

means the schedule shown at the end of this Agreement,

including all amendments to that schedule, which lists the costs associated with your 

"Unauthorized Use"
by another or if a Card is used by an Authorized User, such use will not be regarded as

means the use of your Card by a person who does not have actual,

Unauthorized Use. 

implied or apparent authority to use that Card. If you receive a benefit from the use of a Card 

You may access your Account by using your Card or account number

to make Credit Purchases and to obtain Cash Advances up to your Credit Limit, unless 

Identification Number, you may also use your Card to obtain Cash Advances via automated

teller 

person actual, implied or apparent authority to use your Card and you will be liable for all Credit
Bank

or the Bank. If more than one person is obligated under this Agreement, the

Purchases and Cash Advances made by that person on your Account 
may accept directions and written notices from any one of those persons 

Account by you or by any Authorized User who has access to your Account, with actual,
according to the required minimum monthly payment schedule. Your liability will extend
and all Preauthorized Charges are canceled by you. If you lend your Card

to the Bank

apparent or 
throughout the 

to another person, you 

Promise to Pay.

issues you a Personal

You promise to pay to Bank

all amounts charged to your
for use of your Account, including Finance Charges and other fees

Account Access.
Account is in default or has been terminated. If the Bank

2.
your
machines which accepts your Card for that purpose. 
3.
implied authority
term of this Agreement and until all issued and outstanding Cards are returned
will have given that
until the Card is returned
without
1.
liable for the
unauthorized

to you
requiring the consent of any other persons. 

Liability for Unauthorized Use -

unauthorized use that occurs after you notify the Bank, orally or in writing, of the loss,
transactions. You can notify the Bank

by calling (918) 696-7745

during normal business

theft or possible unauthorized use. If you notify us, you will have no liability for 
hours, or writing to Bank of Commerce, P.O. Box 512, Stilwell, Oklahoma

74960. 

Loss/Stolen Card Identification.

You may be liable

for the unauthorized use of your card if you do not notify us. You will not be 

Finance Charge.

The Finance Charges shown on your Monthly Billing Statement are
2.
and its corresponding Annual Percentage Rate) times the Daily Principal Balance of both Credit

figured by multiplying a Daily Periodic Rate (see Schedule of Fees and Charges for this rate 
Purchases and Cash Advances as follows:

a.

Cash Advances.

A Finance Charge will be imposed on Cash Advances from

the date charged to your account. Finance Charges will continue to accrue until the Closing 

Date of the Billing Cycle preceding the date on which the entire New Balance is paid in
Charge for a Billing Cycle is computed by applying the Daily Periodic Rate to the Daily Principal
adding to the outstanding unpaid balance of Cash Advances at the beginning of each day of
as received or credits as posted to your

Account, but excluding any unpaid Finance

full by

Charges and other fees. 

the Payment Due Date or until the date of payment if after the Payment Due Date. The Finance 
Balance of Cash Advances. Each daily principal balance of Cash Advances is determined by 
payments 

the Billing Cycle any new Cash Advances posted to your Account and subtracting any

b.

Credit Purchases.

A Finance Charge will be imposed on Credit Purchases

only if you elect not to pay the entire New Balance shown on your Monthly Billing Statement 

for
the previous Billing Cycle by the Payment Due Date (the time between the issuance of your
you elect not to pay the entire New Balance shown on your previous monthly statement during
such Credit Purchases from the previous statement Closing Date and on New Credit
Charges will then continue to accrue until the Closing Date of the Billing Cycle preceding the
for a Billing Cycle is computed
payment if after the Payment Due Date. The Finance Charge
principal balance of Credit Purchases is determined by adding to the outstanding unpaid
Purchases posted to your Account, and subtracting any payments as received and credits as

Monthly Billing Statement and the corresponding Payment Due Date is the "Grace Period"). If 
the Grace Period, a Finance Charge will be imposed on the unpaid Daily Principal Balance of 

Purchases from the date of posting to your Account during the current Billing Cycle. Finance 

date on which the entire New Balance is paid in full by the Payment Due Date or until the date
by applying the daily Periodic Rate to the Daily Principal Balance of Credit Purchases. Each

of 
daily 

balance of Credit Purchases at the beginning of each day of the Billing Cycle any New Credit 
posted to your Account, but excluding any unpaid Finance Charges and other fees. 

3.
Late

Late Charge.
Charge in an amount as set forth in the Schedule of Fees and Charges. 

If you do not pay at least your minimum monthly payment by the Payment

Due Date shown on your Monthly Billing Statement, the Bank

may assess your Account a 

Over limit
4.
Charges. This over limit

Fee.

5.
returned to Bank

If your unpaid balance exceeds your Credit Limit, the Bank

may

assess your Account an 

Over limit

Fee in an amount as set forth in the Schedule of Fees and 

Fee is assessable for each Billing Cycle that your Account balance

exceeds your Credit Limit. 

Returned Payment Charge.

You will be charged a Returned Payment Charge for each

check, draft or order which you submit to Bank

as a payment on your Account which is 

unpaid in an amount as set forth in the Schedule of Fees and Charges. 

Fees and Charges.

6.
as described and set forth in the Schedule of Fees and Charges. All
Purchases on your Monthly Billing Statement. 

In addition to the Finance Charge, Late Charge, Over limit

Fee, and

Returned Payment Charge, you agree to pay to the Bank

the additional fees and

charges 

fees and charges

will be automatically posted to your Account and will be included in the amount shown for Credit 

7.

Information Updates.

You will provide facts to update information contained in your

original Application or other financial information related to you at Bank's request. 

Credit Limit.

4.
decrease your Credit Limit without notice to you at any time in its sole discretion.
your Credit Limit immediately to the Bank
whether or not Bank
unpaid balance is less than your Credit Limit, you

without demand,

You will be notified of your Account's Credit Limit which will be applicable

to all amounts you owe on your Account at any time. Bank

You will keep your unpaid balance within the Credit Limit as set by Bank
authorized the Credit Purchase or Cash Advance which caused

reserves the right to

increase or 
pay any amount over 
you to exceed your Credit Limit. Even if your 

and you will

will have no credit available during any time your Account is in default. 

Minimum Monthly Payment.
unless your New Balance is less than $25.00, in which case your payment will be that balance.
addition to your minimum monthly payment, you agree to immediately pay to the Bank

5.
$40.00,
penalty. In
Bank
have a payment due every month on the specified Payment Due

in the manner set forth on your most current Monthly Billing Statement on or

You will pay a minimum monthly payment equal to the

greater of 4% rounded up to the next whole dollar of your Account's New Balance or 

You may pay any amount over your minimum monthly payment at any time without 
any amount past due or in excess of your Credit Limit. Payments must be received by the 
States. You will 

before the Payment Due Date. All payments must be made in lawful money of the United

Date even if

than a regularly scheduled minimum monthly payment at any previous

time.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6.  Monthly Billing Statements. Bank will mail you a Monthly Billing Statement each month in which there is a debit or credit balance over $1.00, or when a Finance Charge is 
imposed. Bank need not send you a monthly statement if Bank feels your Account is uncollectible or has started collection proceedings against you because you defaulted. Except where 
federal law requires otherwise, the Monthly Billing Statement will be final as to the amount owed unless you object in writing within 60 days after the Bank has mailed the Monthly Billing 
Statement to you. Your right under federal law to the correction of billing errors is explained in the notice of Your Billing Rights which appears at the end of this 
Agreement. 

7.  Set Off and Lien Impressment. Unless prohibited by law, the Bank shall have the right to set off the amount of any funds you have in your Accounts with the Bank or any 
other amounts owed to you by the Bank against any amounts charged to your Account after your Account has been canceled or terminated. This right of setoff will not extend to any deposits 
established under a governmental approved tax deferral deposit plan such as an I.R.A. or KEOGH account. Bank also impresses a lien upon your shares and dividends and has the right to 
enforce that lien in a manner similar to enforcing its right of setoff.  

8.  Security. If you have given the Bank a security interest in any property (other than your principal dwelling or "household goods" as defined in the Federal Trade Commission's Credit 
Practices Rule) as part of any other agreement with the Bank, that property is also pledged by you as security for the credit extended under this Agreement, unless prohibited by law. This 
provision is the Security section under the Truth in Lending disclosure of this Agreement as well as a statement of contract which results in collateral securing other loans with Bank also 
securing this Agreement. 

To the extent permitted by law, you grant Bank a purchase money security interest in all goods you purchase under your Account to the extent you continue to owe Bank for the purchase of 
such goods under your Account if such goods are "household goods", and to the extent you continue to owe Bank any money under your Account if such goods are not "household goods". 
Further, if you give Bank a specific pledge of other collateral to secure the repayment of your Account, such as a pledge of your shares or deposits, then such other collateral will also secure 
the repayment of your Account. 

9.  Application of Payments. The Bank reserves the right to apply the payments to your Account in any manner it may choose in its sole discretion. Generally, the Bank will elect to 
apply each payment in the following order: (1) Late fees; (2) other unpaid fees and charges; (3) unpaid Finance Charges; (4) Credit Purchases from previous Billing Cycles; (5) Cash 
Advances as of the closing date of the last statement; and (6) Cash Advances this Billing Cycle and (7) Credit Purchases from this Billing Cycle. 

10.  Default and Remedy. You will be in default and the Bank may, to the extent permitted by law, terminate your Account and declare the entire unpaid balance of your Account 
immediately due and payable if: 

a.  You do not make any payment or perform any obligation under this Agreement or any other agreement that you have with Bank; or 

b.  You have made a false or misleading statement on your Application and/or in your representations to Bank while you owe money on your Account; or 

c.  You should die, or be involved in any bankruptcy, insolvency, receivership or custodial proceedings brought by or against you; or   A judgment or tax lien should  be filed 
against you or any attachment or garnishment should be issued against any of your property or rights, specifically including anyone starting an action or proceeding to seize any 
of your funds on deposit with Bank; and/or 

d. 

Bank should, in good faith, believe your ability to repay any indebtedness due under your Account is or soon will be impaired, time being of the very essence. 

If more than one person is obligated under this Agreement, the Bank may proceed with collection action against any one of the persons obligated under this Agreement without first 
proceeding against or collecting from any other person. To the extent permitted by law, the Bank shall be reimbursed by you for all of its costs and expenses, including actual attorneys' fees, 
incurred in the course of collecting any amounts owed on your Account. 

11.  Change of Address. You will notify Bank promptly if you move or otherwise have a change of address. 

Foreign Transactions. Transactions occurring outside of the United States under foreign currency rates will be posted to your Account in U.S. Dollars and may be more or less 

12. 
than the U.S. Dollar amount when you made the Credit Purchase or obtained the Cash Advance, due to changes in the foreign exchange rate. The conversion rate to U.S. Dollars will be at 
the (i) wholesale market rate, or (ii) the government mandated rate, whichever is applicable, in effect one day prior to the processing date. In addition the Bank will pass on to you an 
International Service Assessment fee which will not exceed 1.00% of the amount of the foreign transaction. 

13.  Refunds and Returns. If a merchant or other person honoring your Card agrees to give you a refund or adjustment on a Credit Purchase, you agree to accept a credit to your 
Account in lieu of a cash refund or cash adjustment. 

14.  Disputes. You agree to make a good faith effort to settle all disputes concerning Credit Purchases made through the use of your Card with the merchant or other person honoring 
the Card. Except as provided in the notice of Your Billing Rights, you agree to pay the Bank all amounts charged to your Account despite any such dispute. 

15.  Waiver of Claims. You waive and release Bank from all defenses, rights and claims you may have against any person or company honoring a Card or other access device or not 
permitting a Credit Purchase or Cash Advance, except where such rights cannot be waived under the Fair Credit Billing Act (see Your Billing Rights). If your Account is available to provide 
overdraft protection to a deposit account under a separate Overdraft Protection Request/Agreement, you hold Bank harmless from any and all claims which might otherwise arise if an 
advance is not processed to cover an overdraft regardless of whether or not credit was available under your Account. 

Cancellation. You may cancel this Agreement with Bank or revoke any Authorized User's status at any time by notifying Bank in writing and returning any affected Card. You 

16. 
understand and agree that Bank has up to ten (10) days after such notice to effectuate your cancellation or revocation of Authorized User's status. You remain obligated to Bank for all Credit 
Purchases or Cash Advances made prior to or up to thirty (30) days after such cancellation or revocation, and Bank may declare your balance due and payable together with all applicable 
Finance Charges and other fees and charges; otherwise you remain obligated to repay any unpaid balance according to this Agreement. 

Interest Rates and Interest Charges 
Annual percentage Rate (APR) 
for Purchases 

10.99% - 21.99% based on your creditworthiness 

Visa Classic or Platinum 

APR for Cash Advances 

10.99% -21.99% based on your creditworthiness 

How to Avoid Paying Interest 
on Purchases 
Minimum Interest Charge 
For Credit Card Tips from the 
Federal Reserve Board 
Fees 
Annual Fee 

Transaction Fees 

• Cash Advance Fee 
• Foreign Transaction Fee 

Penalty Fees 

Your due date is 26 days after the close of the billing cycle. We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month 
None 
To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard 

None 

$25.00 
Up to 1% of the transaction amount 

• Late Payment 
• Over the Limit Fee 

Up to $24.50 
$15.00 

• Returned Payment 

Up to $25.00 

How We Will Calculate Your Balance: The Finance Charges shown on your Monthly Billing Statement are figured by multiplying a 
Daily Periodic Rate times the Daily Principal Balance of both Credit Purchases and Cash Advances. An explanation of this 
method is described in our Visa Credit Card Terms and Conditions - Section 5. 

 
 
 
 
 
 
 
 
 
 
 
PLEDGE AGREEMENT 

THIS ALL DEPOSIT ACCOUNTS PLEDGE AGREEMENT, is entered into between the 
individual(s) “Borrower” and Bank of Commerce and/or Peoples Bank, corporation “Lender”.  For 
valuable consideration, Borrower grants to Lender a security interest in the Collateral, all deposit 
accounts, to secure the indebtedness of the individual(s) and agrees that Lender shall have the rights 
stated in this Agreement with respect to the Collateral, in addition to all other rights which Lender may 
have under the Credit Card Agreement, any Related Loans or by law. 

BORROWER ACKNOWDLEGDES that a condition of Lender making the Loan and the Related 

Loans is that All Deposit Accounts serve as collateral for each of the Related Loans and that each of the 
Related Accounts serve as collateral for the Loan.  Borrower is executing this Agreement to satisfy such 
condition.  Borrower further acknowledges that the benefits derived by Borrower from this Agreement 
and from those certain Cross-Collateralization Agreements entered into or to be entered into in connection 
with the Related Loans are equivalent to the burdens imposed upon Borrower and All Deposit Accounts 
by this Agreement, notwithstanding that the Loan and the Related Loans may be of differing amounts. 

IN THE EVENT OF DEFAULT the Borrower acknowledges and agrees that any default under 

the terms of the Agreement shall constitute a default by the Borrower.  The security interests and the 
pledged accounts of the Borrower now or hereafter granted to the Lender by the Borrower pursuant to any 
agreement, document or instrument, including but not limited to this Agreement, the Credit Card 
Agreement, and any other Related Loans shall serve as security for any and all of the obligations, and, for 
the repayment thereof, Lender may resort to any such collateral in such order and manner as Lender may 
elect. 

CROSS DEFAULT; CROSS COLLATERAL. Debtor hereby agrees that (a) a Default or an 

Event of Default under this Agreement is a default or an event of default under all the other Loan 
Documents and a default under any of such other Loan Documents is a Default or an Event of Default 
under this Agreement, and (b) the Collateral under this Agreement secures the Obligations now or 
hereafter outstanding under all other agreements between Debtor and Lender and the Collateral pledged 
under any other agreement with Lender secures the Obligations under this Agreement. 

By signing this document you agree to the Terms and Conditions. 

_____________________________________ 

Sign 

             Date