16320 Kensington Drive,
Sugar Land, TX 77479 
(281) 243-0500 
www.houstonfcu.org
Covered Borrower(s) Name and Address

LOR

MILITARY LENDING ACT ADDENDUM
For members of the Armed Forces on active duty, 
active Guard or active Reserve duty, or “covered” 
dependents of such active-duty service members.

Date of Addendum

Loan Account Number

Date of Loan Agreement

,

Definitions. In this Military Lending Act Addendum (“Addendum”), the words “you” and “your” refer to the “Covered Borrower(s)” identified above. 
“Credit Union” means the Credit Union identified above. “Loan Agreement” means the written agreement between you and the Credit Union for your 
loan, executed on the Date of Loan Agreement and identified by the Loan Account Number shown above. 

MANDATORY LOAN DISCLOSURES
Truth-in-Lending Disclosures. In connection with your Loan Agreement, the Credit Union must provide you with Truth-in-Lending disclosures required 
by the Consumer Financial Protection Bureau’s Regulation Z. These disclosures are contained in or provided together with your Loan Agreement, and 
must include a clear description of your payment schedule (in the case of closed-end credit) or your payment obligations (in the case of open-end credit), 
and any fees or charges that may be imposed in connection with your loan. 
Military Lending Act Disclosure. Pursuant to the Military Lending Act (10 U.S.C.A. § 987) and Department of Defense regulations (32 C.F.R. § 
232.1 et seq.), the following disclosure must be provided to you both orally and in writing in connection with your loan.

You may call toll-free 844-351-VETS to receive oral disclosures.

STATEMENT REGARDING THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)
Federal  law  provides  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).

AMENDMENT(S) TO LOAN TERMS
This Military Lending Act Addendum is executed on the Date of Addendum shown above, and hereby amends and supplements the Loan
Agreement between you and the Credit Union executed on the Date of Loan Agreement shown above. The terms and conditions of your Loan 
Agreement are hereby amended and modified as follows: 
Mandatory  Arbitration.  If  your  Loan  Agreement  contains  a  provision  that  requires  you  to  submit  to  arbitration  in  the  event  there  is  a  dispute 
between  you  and  the  Credit  Union  in  connection  with  your  loan,  the  Credit  Union  hereby  expressly  disclaims  and  waives  any  such  mandatory 
arbitration provision.
Except as expressly modified herein, the terms and conditions of your Loan Agreement, including the Credit Union’s remedies upon default, remain 
unchanged and in full force and effect.

SIGNATURE(S). By signing below, you acknowledge that you have read this Addendum to Loan Agreement, that you understand it, and that you 
have received a completely filled-in copy of it.

X
Signature (covered borrower)

Date

X
Signature (covered borrower)

Date

Copyright 2016 ConmarSystems, Peachtree City, GA  30269 – EFORM19885-1