6401 South Bell Street   CREDIT LINE ACCOUNT AND 
                   P. O. Box 7407  
                                       PERSONAL LOAN APPLICATION 
                 Amarillo, Texas 79114   
                   Phone: 806.353.9999   ACCOUNT NUMBER � APPLICANT  ACCOUNT NUMBER � CO-APPLICANT   DATE  
                  
                 Fax: 806.353.2533                                         
                                
    Applicant Information    PRINT OR TYPE ALL INFORMATION  Spouse/Co-Applicant Information 
    1. If You live in a community property state, are You:  5.  Complete Spouse/Co-Applicant Information only if: 
                                             a.  This is for joint credit with Your Spouse or other Co-Applicant; 
            Married          Separated           Unmarried (Includes Single, Divorced and Widowed)    b.  Your Spouse will use Your Account; 
    2. Married applicants can apply for individual credit. Indicate if You would like:    c.  You are relying on Your Spouse's income as a source of repayment for the credit requested; or 
                                             d.  You live in a community property state: Arizona, California, Idaho, Louisiana, Nevada,  
            Individual Credit           Joint Credit with Your Spouse/Co-Applicant 
                                                  New Mexico, Texas, Washington, Wisconsin (or Puerto Rico). 
    3. Method of Payment:    Payroll Deduction           Automatic Share Transfer           Cash Payment  6. Definitions: 
                                                Whenever used in this application, the words �You� and �Your� refer to the Applicant(s)  
    4. Frequency of Payment:           Weekly          Bi-Weekly         Semi-Monthly         Monthly         or Spouse/Co-Applicant and the words �We,� �Us,� and �Our� refer to the Lender. 
    Credit Applied For: 
    Type of credit _______________________________      Amount Requested $_______________________   Refinanced Amount $ ____________________   Total Request $ __________________ 
    Purpose ___________________________________________________________________ Collateral Offered________________________________________ Value: $ __________________ 
     
    There are costs associated with the use of any Credit Card issued to You by Us. You may request specific information 
    about these costs by contacting Us by telephone at (806) 353-9999 (callers from outside the 806 area code may call 
    collect) or by writing Us at P.O. Box 7407, Amarillo, Texas 79114. 
    
    APPLICANT OR CO-SIGNER                   SPOUSE/CO-APPLICANT 
    FIRST NAME      INITIAL  LAST NAME       FIRST NAME       INITIAL  LAST NAME 
                                                               
                                              
    SOCIAL SECURITY NUMBER     BIRTHDATE     SOCIAL SECURITY NUMBER     BIRTHDATE 
                                              
                                              
    CURRENT STREET ADDRESS  APT. NO.  YEARS THERE   CURRENT STREET ADDRESS  APT. NO.  YEARS THERE 
                                              
                                              
    CITY                   STATE  ZIP        CITY                   STATE  ZIP  
                                              
                                              
    MOTHER�S MAIDEN NAME  EMAIL ADDRESS      MOTHER�S MAIDEN NAME  EMAIL ADDRESS  
                                                             
                                                             
    FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)  YEARS THERE   FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)  YEARS THERE 
                                              
                                              
    DO YOU:        HOME TELEPHONE  NO. OF DEP.   AGES OF DEPENDENTS     DO YOU:  HOME TELEPHONE  NO. OF DEP.   AGES OF DEPENDENTS  
            OWN           RENT          PAY BOARD            OWN           RENT          PAY BOARD   
    NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU    NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU 
                                              
                                              
                                              
   EMPLOYMENT AND INCOME     If self-employed, attach financial statement or income tax returns. 
    CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)  EMPLOYMENT DATE    CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)  EMPLOYMENT DATE 
                                                                        
                                              
    ADDRESS/CITY/STATE/ZIP                   ADDRESS/CITY/STATE/ZIP 
                                              
                                              
    WORK TELEPHONE  POSITION   MO. GROSS SALARY    WORK TELEPHONE  POSITION  MO. GROSS SALARY 
                                                                        
    FORMER EMPLOYER  POSITION    YEARS THERE   FORMER EMPLOYER  POSITION  YEARS THERE 
                                              
                                              
    OTHER INCOME     Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required) 
    TYPE OF OTHER INCOME       MONTHLY AMOUNT    TYPE OF OTHER INCOME  MONTHLY AMOUNT 
     
                                                                          
    NAME AND ADDRESS OF PAYER                NAME AND ADDRESS OF PAYER 
                                              
     
                                              
    ASSETS AND DEPOSITS  Attach a separate sheet if necessary. 
                               INTEREST 
   TYPE   BANK (OR OTHER) NAME & ADDRESS  ACCOUNT NO.  APPROX. BAL.     INTEREST 
                                RATE        TYPE  BANK (OR OTHER) NAME & ADDRESS  ACCOUNT NO.  RATE  APPROX. BAL. 
                                              
    C                                        C                             
    H                                        H                                   
    E                                        E 
    C                                        C 
    K                                        K 
    I                                         
     
     
    S                                         
                                             S                             
    A                                        A                                   
    V 
    I  SEE ATTACHED                          V 
                                             I 
    N                                        N 
                                             G 
                                              
    O                                        O                             
    T                                        T                                   
    H                                        H 
    E                                        E 
    R                                        R   
    CAR 1 - YR. - MAKE - MODEL  VALUE        CAR 1 - YR. - MAKE - MODEL  VALUE 
                                              
                                                                        
                                              
    CAR 2 - YR. - MAKE - MODEL  VALUE        CAR 2 - YR. - MAKE - MODEL  VALUE 
                                              
                                                                            
    HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED  PURCHASE PRICE  APPROX. VALUE    HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED  PURCHASE PRICE  APPROX. VALUE 
                                                                            
    
   Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                  Page 1 of 2                                                                                                      OTBS 015 ACCE (6/14) 
    
    
    
    
    
                                                             A=Applicant     C=Spouse/Co-Applicant 
    CREDIT INFORMATION Please list all open accounts with or without a balance. Attach separate sheet if necessary. 
                                                              D=Debts to be paid off if loan is granted. 
                                                                               
    PLEASE                 
                                                  ACCOUNT      INTEREST  ORIGINAL    MONTHLY 
    CHECK         LENDER (OR OTHER ) NAME & ADDRESS         NUMBER          RATE  AMOUNT  BALANCE  PAYMENT 
              LIST ALL OBLIGATIONS, INCLUDING CREDIT UNION LOANS       
    A  C  D 
                                                 
                                                 
          SEE ATTACHED
                                                 
                                                 
                                                                            
                                                 
                                                 
                                                 
                                                 
                                                 
                                                 
                                                 
                                                 
    Please answer the following questions.                                
                                    A     C 
    If a yes answer is given, explain on attached sheet.  TOTALS             
                                 YES     NO  YES    NO 
                                                                              A           C  
    1. Have You filed a petition for bankruptcy in the last 14 years?                  Please Check: A=Applicant/Co-Signer  C=Co-Applicant     YES    NO    YES    NO 
    2. Have You ever had any auto, furniture or property repossessed?                  6. Have You any Obligations not listed?                 
                                            
    3. Are you a co-maker or co-signer on any loan?                  7. Do You have any past due bills?                
                                            
     For Whom ___________________ Amount $ ______________      8. Is any income You have listed likely to reduce in the next two years?                
    4. Have  you ever had credit in any other name?  9. Indicate immigration status: 
                                                                           
     What name_______________________________________       Applicant  ?  U.S. Citizen   ?  Permanent U.S. Resident  ?  Other___________ 
    5. Have You any suits pending, judgments filed, alimony or support 
                                                  Co-Applicant  ?      U.S. Citizen  ?  Permanent U.S. Resident  ?  Other___________ 
     awards against You? 
     
    OPTIONAL CREDIT INSURANCE 
      
    Credit Life and/or Credit Disability Insurance are not required to obtain credit and, for Credit Line Accounts, will be included only if requested immediately 
    below by the APPLICANT. The insurance rates for Credit Line Accounts are shown below. For Credit Line Accounts, the insurance charge is calculated each 
    month by multiplying the outstanding balance of the Account on the last day of that month by the rate shown. For Closed-End loans, the total insurance 
    premium will be calculated and disclosed to You separately.     
           Monthly Premium Rates per $1000 of Outstanding Balance for Credit Line Accounts - You must CHECK ONE OR MORE of the boxes below.   
         CREDIT LIFE:          Single Coverage -  ________    $ .057     Yes          No                Joint Coverage -  ________    $ .086
                                                                          Yes           No 
         CREDIT DISABILITY (Primary Borrower Only):  Single Coverage -  ________    $ .130
                                                    Yes          No 
                        Closed-End Loan Applicants - You must CHECK ONE OR MORE of the boxes below. 
                You are interested in Credit Disability Insurance - single coverage           You are interested in Credit Life Insurance - single coverage            joint coverage     
                                  You are not interested in Credit Insurance 
                                                       
     
    NOTE: For Closed-End loans, an appropriate disclosure will be furnished if Your credit is approved. If this application is for a Credit Line Account and You are 
    applying for Credit Insurance, You authorize Us to add the required premiums to Your Account, charge a Finance Charge on the premiums at the rate which 
    applies to Your Account, and forward such premiums to the Insurance Company. 
    SIGNATURE OF APPLICANT _______________________________________________ SIGNATURE OF CO-APPLICANT ______________________________________________ 
     
    SIGNATURES 
     
    You warrant the truth of the above information and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to 
    investigate and verify any information provided to Us by You. If this application is for any Feature Category contained in Our Credit Line Account or Credit Card Account Program, You agree and understand 
    that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure and/or Credit Card Account Agreement and Federal Disclosure 
    Statement. You will receive a copy of such Agreement and Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If 
    this is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application 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. If You are issued a Credit Card, You grant and 
    consent to a lien on Your shares with Us (except 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 balance. 
     
     
    You hereby acknowledge Your intent to apply for joint credit ____________________________________________________ 
                                 Applicant�s Initials   Co-Applicant�s Initials 
     
      X                                     X                          
        Signature of Applicant or Co-Signer  Date      Signature of Spouse/Co-Applicant  Date  
                  LOAN OFFICER                      OTHER APPROVING SIGNATURES 
        ADVANCE APPROVED       YES  ?       NO  ?      REFERRED TO CC  ?  ADVANCE APPROVED       YES  ?       NO  ? 
          COUNTER OFFER WILL BE MADE.  IF ACCEPTED, LOAN APPROVED    COUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED 
    DESCRIBE COUNTER OFFER                   
    SPECIFIC REASON(S) FOR REJECTION/APPROVAL       
    LOAN OFFICER SIGNATURE                                                          DATE      CREDIT LIMIT $                                          ADDITIONAL INFORMATION 
                                               
    CREDIT MANAGER OR OTHER                                                      DATE          
                                               
      
      ECOA NOTICE AND REASON FOR REJECTION OR UNACCEPTED COUNTER-OFFER SENT OR DELIVERED ON                                           (DATE) BY        
       
   Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                  Page 2 of 2                                                                                                     OTBS 015 ACCE (6/14) 
    
      
                  
                 6401 South Bell Street   CREDIT CARD ACCOUNT AGREEMENT 
                 P. O. Box 7407  
                 Amarillo, Texas 79114    AND FEDERAL DISCLOSURE STATEMENT      
                 Phone: 806.353.9999 
                 Fax: 806.353.2533  THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
                              LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD REGULAR, 
                              MASTERCARD  GOLD,  MASTERCARD  PLATINUM  AND  MASTERCARD  SECURED  AGREEMENTS,  AND  ANY 
                              SPECIAL INSTRUCTIONS REGARDING THE USE OF VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD 
                              REGULAR, MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED CREDIT CARDS, 
                              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.  
     Interest Rate and Interest Charges 
                                                        
     Annual Percentage Rate (APR) 
                            VISA Classic: ________%   12.4 MasterCard Gold: ________%   12.4
     For Purchases 
                                                           
      
      
                            VISA Gold: ________%   12.4 MasterCard Platinum: ________%   7.49 OR 8.69
                                                        
                            VISA Secured: ________%   12.4 MasterCard Secured: ________%   12.4
                                                           
                                                        
                            MasterCard Regular: ________%  12.4  
                             
                                                        
     APR For Balance Transfers  VISA Classic: ________%   12.4 MasterCard Gold: ________%   12.4
                                                           
      
                                     12.4                            7.49 OR 8.69
                            VISA Gold: ________%       MasterCard Platinum: ________%  
                                                        
                            VISA Secured: ________%   12.4 MasterCard Secured: ________%   12.4
                                                           
                            MasterCard Regular: ________%  12.4  
                                                        
                             
                                                        
     APR For Cash Advances  VISA Classic: ________%   12.4 MasterCard Gold: ________%   12.4
                                                           
                                                                     7.49 OR 8.69
                            VISA Gold: ________%   12.4 MasterCard Platinum: ________%  
                                                        
                            VISA Secured: ________%   12.4 MasterCard Secured: ________%   12.4
                                                           
                            MasterCard Regular: ________%  12.4  
                                                        
                             
                             
     Paying Interest        We will not charge You interest on purchases if You pay Your entire balance owed each 
                            month within 25 days of the statement closing date. We will begin charging interest on 
                            cash advances and balance transfers 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. 
      
     Fees  
                             
     Transaction Fees       
                            
      �  Foreign Transaction  1.00% of each foreign currency transaction in U.S. Dollars. 
                            0.80% of each U.S. Dollar transaction that occurs in a foreign country. 
                             
                             
     Penalty Fees           
                             
      �  Late Payment       Up to $25.00 
      �  Returned Payment   Up to $15.00 
                             
     
    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. 
     
    Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.   Page 1 of 4                                              OTBS 016CC ACCE (5/14) 
     
    DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean ACCESS COMMUNITY 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 Classic, 
    VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured Credit Card issued to You by Us and any duplicates or 
    renewals. The word "Account" means the VISA Classic, VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured 
    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. 
                                            
     
                                          Daily                    ANNUAL 
    Credit Card 
                                        Periodic Rate           PERCENTAGE RATE 
                                                                      
    VISA Classic                       ____________%  0.0003397  ____________%  12.4
                                                                      
    VISA Gold                          ____________%  0.0003397  ____________%  12.4
                                                                      
    VISA Secured                       ____________%  0.0003397  ____________%  12.4
                                                                      
    MasterCard Regular                 ____________%  0.0003397  ____________%  12.4
                                                                      
    MasterCard Gold                    ____________%  0.0003397  ____________%  12.4
                                                                      
    MasterCard Platinum                ____________%  0.0002052 OR 0.0002380 ____________%  7.49 OR 8.69
                                                                      
    MasterCard Secured                 ____________%  0.0003397  ____________%  12.4
         
     
    USE OF YOUR CARD. You may use Your Card to buy goods and services in any  money of the United States. We may apply each payment to whichever Feature 
    place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial  Category We wish. Except as required by law, We may apply payments at Our 
    institutions. You agree not to use Your Card for illegal transactions including, but  discretion. Any unpaid portion of the Finance Charge will be paid by subsequent 
    not limited to, advances made for the purpose of gambling and/or wagering where  payments and will not be added to Your principal balance. You understand that 
    such practices are in violation of applicable state and/or federal law.  any delay in the repayment of Your unpaid balance will increase Your periodic 
                                             Finance Charges and any acceleration in the repayment of Your unpaid balance 
    SECURITY. Collateral (other than household goods or any dwelling) given as  will decrease Your periodic Finance Charges. 
    security under any other loan You may have with Us will secure all amounts You   
    owe Us now and in the future if that status is reflected in the "Truth-in-Lending  Minimum  Payments  will  be  an  amount  equal  to  3.00%  of  Your  new  unpaid 
    Disclosure" in any particular Agreement evidencing such debt.       Account balance at the end of each billing cycle, subject to the lesser of $25.00 or 
                                             Your  balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior 
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your  statement(s) which remains unpaid, plus any amount that exceeds Your approved 
    shares with Us (except for IRA and Keogh accounts) and any dividends  Credit Limit. 
    due or to become due to You from Us to the extent You owe on any unpaid   
    Credit Card balance.                     You may, by separate agreement, authorize Us to charge Your payment directly to 
                                             Your share or share draft account. 
    ACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Secured or   
    MasterCard Secured Credit Card, You agree to give Us a specific pledge of shares  FINANCE CHARGES. In the case of any transactions under Your Account, the 
    which will be equal to the sum total of Your Credit Limit, plus the greater of: (a)  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily 
    $100.00; or (b) 10% of such Credit Limit.  In the event that You default on Your  transactions balances outstanding during the month (including new transactions). 
    Account, We may apply these shares toward the repayment of any amount owed on  To get the average daily balance, We take the beginning balance of Your Account 
    Your VISA Secured or MasterCard Secured Credit Card. You may cancel Your VISA  each day, add any new purchases, balance transfers, cash advances, insurance 
    Secured or MasterCard Secured Credit Card at any time by paying any amounts  premiums, debit adjustments or other charges and subtract any payments, credits 
    owed on such Account. To be certain that Your entire balance and all advances are  and unpaid Finance Charges. This gives Us the daily balance. Then, We add up 
    paid, any shares pledged may not be available to You for 30 days after You have  all the daily balances for the billing cycle and divide them by the number of days in 
    cancelled and any outstanding balance is paid in full.  the billing cycle. The Finance Charge for a billing cycle is computed by multiplying 
                                             the average daily balance subject to a Finance Charge by the Daily Periodic Rate 
    LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for  times the number of days in the billing cycle. 
    which You are approved. Unless You are in default, the Credit Limits established   
    for You will generally be self-replenishing as You make payments.  You can avoid Finance Charges on purchases by paying the full amount of the 
                                             entire balance owed each month within 25 days of Your statement closing date. 
    You will keep Your unpaid balance within Your Credit Limit set by Us, and You will  Otherwise, the new balance of purchases, and subsequent purchases from the 
    pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We  date  they  are  posted  to  Your Account,  will  be  subject  to  a  Finance  Charge. 
    authorize the advances which caused You to exceed Your Credit Limit. Even if  Balance transfers and cash advances are always subject to a Finance Charge 
    Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit  from the later of the date they are posted to Your Account or from the first day of 
    available during any time that any aspect of Your Account is in default.  the billing cycle in which the transaction is posted to Your Account. 
                                              
    JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for  LATE CHARGE. If Your payment is 10 or more days late, You will be charged the 
    the repayment of any amounts owed. If any Account access device, such as a  lesser of: (a) $15.00 for balances that are less than $100.00, $20.00 for balances 
    Personal Identification Number (PIN) is requested and approved, You understand  equal to or greater than $100.00 but less than $1,000.00, or $25.00 for balances 
    that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary  equal to or greater than $1,000.00; or (b) the amount of the minimum payment due. 
    Borrower at the address that We have on file for You. We may refuse to follow   
    any instructions which run counter to this provision.  VISA  FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign 
                                             countries and  foreign  currencies,  the  exchange  rate  between  the  transaction  
    MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  currency and the billing currency (U.S. dollars) will be: (a) a rate  selected by VISA 
    only pay the Minimum Monthly Payments, You understand that You have the right  from the range of rates available in wholesale  currency markets for the applicable 
    to repay at any time without penalty. You also understand that You will only be  central processing date, which  rate may vary from the rate VISA itself receives; or 
    charged periodic Finance Charges to the date You repay Your entire balance. You  (b) the government-mandated rate in effect for the applicable central  processing 
    may make larger payments without penalty. Any partial payment or prepayment  date. For transactions that are initiated in a foreign currency, You will be charged 
    will not delay Your next scheduled payment. All payments to Us must be in lawful  1.00%  of  the  final  settlement  amount. For  transactions  occurring  in  foreign 
    Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.   Page 2 of 4                                              OTBS 016CC ACCE (5/14) 
    countries and initiated in U.S. Dollars, You will be charged 0.80% of the final  INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
    settlement amount.                       Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
                                             Agreement or at a later date becomes an integrated part of this Agreement  
    MASTERCARD FOREIGN TRANSACTIONS. For transactions initiated in foreign  and Disclosure. 
    currencies, the exchange rate between the transaction currency and the billing   
    currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the range of  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
    rates  available  in  wholesale  currency  markets  for  the  applicable  central  Agreement. By signing the application; or by using Your Account or any Account 
    processing date, which rate may vary from the rate MasterCard itself receives; or  access device; or by authorizing another to use Your Account, You agree to and 
    (b) the government-mandated rate in effect for the applicable central processing  accept its terms. 
    date. In each instance You will be charged 8/10th of 1.00% calculated on the final   
    settlement amount for transactions that are initiated in foreign countries, and if  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
    your transaction is also initiated in a foreign currency You will be charged an  facts to update information contained in Your original Account application or 
    additional 2/10th of 1.00% calculated on the final converted settlement amount.  other financial information related to You, at Our request. You also agree that 
                                             We may, from time to time, as We deem necessary, make inquiries pertaining 
    OTHER FEES AND CHARGES. You will be charged the following fees associated  to Your employment, credit standing and financial responsibility in accordance 
    with the use of Your Card: (a) the lesser of $15.00 or the required minimum  with  applicable  laws  and  regulations.  You  further  agree  that  We  may  give 
    payment amount for the returned payment for any check (or other negotiable  information about the status and payment history of Your Account to consumer 
    instrument used for payment) which is returned unpaid; and (b) $5.00 for each  credit  reporting  agencies,  a  prospective  employer  or  insurer,  or  a  state  or 
    replacement Card You request.            federal  licensing  agency  having  any  apparent  legitimate  business  need  for  
                                             such information.  
    PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement   
    showing all transactions on Your Account including amounts paid and borrowed  TERMINATION. Either You or We may cancel Your Account at any time, whether 
    since Your last statement. We will mail You a statement each month in which  or not You are in default. You will, in any case, remain liable to pay any unpaid 
    there is a debit or credit balance or when a Finance Charge is imposed. We need  balances according to the terms of Your Account. 
    not send You a statement if We feel Your Account is uncollectible or if We have   
    started  collection  proceedings  against  You  because  You  defaulted.  EACH  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at 
    STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT  any time without notice. You agree to surrender Your Card and to discontinue its 
    UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL  use immediately upon Our request. 
    TRUTH-IN-LENDING ACT.                     
                                             ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
    OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under  Your request, a Personal Identification Number (PIN) for use with participating 
    no obligation to honor Your Convenience Checks if: (1) by paying a Convenience  Automated Teller Machines (ATMs). This PIN is confidential and should not be 
    Check,  You  would exceed Your Credit Limit; (2) Your Cards or Convenience  disclosed to anyone. You may use Your PIN to access Your Account and all sums 
    Checks have been reported lost or stolen; (3) Your Account has been cancelled or  advanced will be added to Your Account balance. In the event a use of Your PIN 
    has expired. If a postdated Convenience Check is paid and, as a result, any other  constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
    Convenience Check is returned unpaid, We are not responsible for any resulting  Electronic Fund Transfer Agreement may also affect Your rights.  
    loss or liability.                        
                                             EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
    DEFAULT. You will be in default if: (a) You do not make any payment or perform  slips You may sign or receive when using Your Card contain terms, this Agreement 
    any obligation under this Agreement, or any other agreement that You may have  is the contract which solely applies to all transactions involving the Card. 
    with Us; or (b) You should die, become involved in any insolvency, receivership or   
    custodial proceeding brought by or against You; or (c) You have made a false or  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
    misleading statement in Your credit application and/or in Your representations to  You will not be liable for the unauthorized use that occurs after You notify Us of 
    Us while You owe money on Your Account; or (d) A judgment or tax lien should be  the loss, theft, or possible unauthorized use by calling Us at (800) 442-4257 or by 
    filed against You or any attachment or garnishment should be issued against any  writing to Us at P.O. Box 815909, Dallas, TX 75381-5909. In any case, Your 
    of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or  liability will not exceed $50.00. 
    proceeding to seize any of Your funds on deposit with Us; and/or (e) We should,   
    in good faith, believe Your ability to repay Your indebtedness hereunder is or soon  REFUSAL  TO  HONOR  CARDS  OR CONVENIENCE CHECKS. We are not 
    will be impaired, time being of the very essence.  liable for the refusal or inability of merchants, financial institutions and others to 
                                             accept the Cards or Convenience Checks, or electronic terminals to honor the 
    Upon any occurrence of default, We may, to the extent permitted by law, cancel  Cards or complete a Card withdrawal, or for their retention of the Cards or 
    Your rights under this Agreement, require the return of all access devices and  Convenience Checks. 
    declare the entire balance of every Feature Category of Your Account immediately   
    due and payable, without prior notice or demand.   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
                                             electronic terminal or financial institution at which transactions were made, but 
    COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain  sales, cash advances, credit or other slips cannot be returned with the statement. 
    payment on this Account, to the extent permitted by law, You agree to pay all   
    court costs, private process server fees, investigation fees or other costs incurred  LOST  CARDS  OR  CONVENIENCE  CHECKS.  To  report  lost  or  stolen  Credit 
    in collection and reasonable attorneys� fees incurred in the course of collecting  Cards or Convenience Checks, You will immediately call Us at (800) 442-4257 or 
    any amounts owed under this Agreement or in the recovery of any Collateral.  write to Us at P.O. Box 815909, Dallas, TX 75381-5909.  
                                               
    ENFORCEMENT. We do not lose Our rights under this or any related agreement  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
    if We delay enforcing them. We can accept late payments, partial payments or  adjustments, they will do so by sending Us a slip which will be posted to Your 
    any other payments, even if they are marked "paid in full" without losing any of  Account. If Your credits and payments exceed what You owe Us, We will hold and 
    Our rights under this Agreement. If any provision of this or any related agreement  apply this credit against future purchases and cash advances, or if it is $1.00 or 
    is determined to be unenforceable or invalid, all other provisions remain in full  more refund it on Your written request or automatically deposit it to Your share 
    force and effect.                        account after 6 months.   
                                              
    NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
    or otherwise have a change of address.   State  of  Texas,  except  to  the  extent  that  such  laws  are  inconsistent  with 
                                             controlling federal law. 
    CHANGE IN TERMS. We may change the terms of this Agreement by mailing or        
    delivering to You written notice of the changes as prescribed by the Federal Truth- Your Billing Rights: Keep this Document for Future Use 
    In-Lending Act. To the extent permitted by law, the right to change the terms of   
    this Agreement includes, but is not limited to, the right to change the periodic rate  This notice tells You about Your rights and Our responsibilities under the 
    applicable to Your unpaid balance and/or future advances.  Fair Credit Billing Act. 
                                              
    CREDIT INSURANCE. Credit insurance is not required for any extension of credit  What To Do If You Find A Mistake On Your Statement 
    under this Agreement. However, You may purchase any credit insurance available   
    through Us and have the premiums added to Your outstanding balance. If You elect  If You think there is an error on Your statement, write to Us at Our address shown 
    to do so, You will be given the necessary disclosures and documents separately.  in this Agreement. In Your letter, give us the following information: 
                                              
    Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.  Page 3 of 4                                             OTBS 016CC ACCE (5/14) 
    �  Account information: Your name and Account number.  �  If We do not believe there was a mistake: You will have to pay the amount 
    �  Dollar amount: The dollar amount of the suspected error.  in question, along with applicable interest and fees. We will send You a 
    �  Description of problem: If You think there is an error on Your bill, describe  statement of the amount You owe and the date payment is due. We may 
      what You believe is wrong and why You believe it is a mistake.  then report You as delinquent if You do not pay the amount We think  
                                               You owe. 
    You must contact Us:                      
                                             If You receive Our explanation but still believe Your bill is wrong, You must write 
    �  Within 60 days after the error appeared on Your statement.  to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
    �  At least 3 business days before an automated payment is scheduled, if You  report You as delinquent without also reporting that You are questioning Your bill. 
      want to stop payment on the amount You think is wrong.  We must tell You the name of anyone to whom we reported You as delinquent, 
                                             and We must let those organizations know when the matter has been settled 
    You must notify Us of any potential errors in writing. You may call Us, but if You  between Us. If We do not follow all of the rules above, You do not have to pay the 
    do We are not required to investigate any potential errors and You may have to  first $50.00 of the amount You question even if Your bill is correct. 
    pay the amount in question.               
                                               Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
           What Will Happen After We Receive Your Letter   
                                             If You are dissatisfied with the goods or services that You have purchased with 
    When We receive Your letter, We must do two things:  Your Credit Card, and You have tried in good faith to correct the problem with the 
                                             merchant, You may have the right not to pay the remaining amount due on the 
    1)  Within 30 days of receiving Your letter, We must tell You that We received  purchase. To use this right, all of the following must be true: 
      Your 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  1)  The purchase must have been made in Your home state or within 100 miles 
      explain to You why We believe the bill is correct.  of Your current mailing address, and the purchase price must have been 
                                               more than $50.00. (Note: Neither of these are necessary if Your purchase 
    While We investigate whether or not there has been an error:  was  based  on  an  advertisement  We  mailed  to  You,  or  if  We  own  the 
                                               company that sold You the goods or services.) 
    �  We cannot try to collect the amount in question, or report You as delinquent  2)  You must have used Your Credit Card for the purchase. Purchases made 
      on that amount.                          with cash advances from an ATM or with a check that accesses Your Credit 
    �  The  charge  in  question  may  remain  on  Your  statement,  and  We  may  Card account do not qualify. 
      continue to charge You interest on that amount.  3)  You must not yet have fully paid for the purchase.  
    �  While You do not have to pay the amount in question, You are responsible   
      for the remainder of Your balance.     If all of the criteria above are met and You are still dissatisfied with the purchase, 
    �  We can apply any unpaid amount against Your Credit Limit.  contact Us in writing at Our address shown in this Agreement.  
                                              
    After We finish Our investigation, one of two things will happen:  While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
                                             discussed  above.  After  We  finish  Our  investigation,  We  will  tell  You  Our 
    �  If We made a mistake: You will not have to pay the amount in question or  decision. At that point, if We think You owe an amount and You do not pay, We 
      any interest or other fees related to that amount.  may report You as delinquent. 
                                              
    
    Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.  Page 4 of 4                                             OTBS 016CC ACCE (5/14)