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. 16320 Kensington Drive,Sugar Land, TX 77479 (281) 243-0500 www.houstonfcu.org
Covered Borrower(s) Name and Address 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 ab ove. �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 i dentified 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. Thes e disclosures are contained in or provided together with your Lo an Agreement, and must include a clear description of your payment schedule (in th e 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. � 232.1et 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 Forc es and their dependents relating to extensions of consumer credit.  In 
general, the cost of consumer credit to a member of the Ar med Forces and his or her dependent may not exceed an annual percenta ge rate 
of 36 percent. This rate must include, as applicable to the credi t transaction or account: The costs associated with credit ins urance 
premiums; fees for ancillary products sold in connection with t he credit transaction; any application fee charged (other than c ertain 
application fees for specified credit transactions or accounts) ; and any participation fee charged (other than certain particip ation fees for a 
credit card account).
AMENDMENT(S) TO LOAN TERMS This Military Lending Act Addendum is execute d 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, t he 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 upo n 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.
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Signature (covered borrower) Date Signature (covered borrower) Date
Copyright 2016 ConmarSystems, Peac htree City, GA  30269 � EFORM19885-1
LOR,