BUSINESS CREDIT CARD ADDENDUM

This addendum is incorporated into and becomes part of your LOANLINER® Business Credit Card Agreement.
Please keep this attached to your LOANLINER® Business Credit Card Agreement.

CREDIT CARD NAME:

Visa Business Credit Card

EFFECTIVE DATE:

CREDIT LIMIT:

$

REPLACES ADDENDUM DATED:

VARIABLE RATE

Name of Index:

Prime Rate

Date the Index is Determined:

Effective Date of Index:

Current Index Value:

May change Quarterly in January, April,
July, and October on the first day of the
billing cycle date to reflect any change in
the Index
On the 1st day of each calendar quarter
3.25%

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate):

Purchases:

Cash Advances:
Balance  Transfers:

Floor and/or Ceiling:

2.50 – 7.00

 percentage points

2.50 – 7.00
2.50 – 7.00 

 percentage points
 percentage points

Will never be less than  9.90%.
Will never be more than  18.00%.

Your Interest Rate is variable and may change automatically from time to time according to the variable rate
terms set forth in this Addendum.

OTHER FEES:
Cash Advance:

Balance  Transfer:
Annual:
Returned Check:
Convenience Check Stop Payment:
Late Payment :

  $ None

Transaction Fee for
Purchases:

$ 5.00 for cash
advances processed
at any FirstLight
Federal Credit Union
teller line.
$ None
$ None
$ 27.50
$ 27.50
$ 25.00 when minimum payment is not made by the due date

Card Replacement:
Document Copy:
Rush Card and/or PIN:
Foreign Transaction :

  $ 5.00
  $ 5.00
  $ 27.50

1% of transaction amount

OPTIONAL DISCLOSURES
Balance Transfers –  We  may  permit  you  to  transfer  the  balance  of  an  account  that  you  owe  to  another  creditor  to  your
account  with  us.  If  we  approve  a  balance  transfer,  finance  charges  will  be  calculated  and  will  accrue  according  to  the
same method as for cash advances.

Variable Rate: The  Interest  Rate  for  purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  is  subject  to
change and is based on an Index rate plus additional percentage points, called the "Margin", which is added to the Index
rate.

The Index for purchases, cash advances and balance transfers is subject to change quarterly in January, April, July and
October on the first day of the billing cycle to reflect any change in the Prime Rate (Index) as published in  The  Wall  Street

Journal “Money  Rates”  table  on  the  last  Friday  of  March,  June,  September,  and  December,  to  which  we  add  a  margin.
The margin will range from 2.50% - 7.00%.    The Interest Rate will never be less than 9.90%, nor greater than 18.00%.
Any  increase  in  the  Interest  Rate  will  take  the  form  of  additional  payments  shown  a  Total  Minimum  Payments  on  the
statement.  If the Index is no longer available, the Credit Union will choose a new Index which is based upon comparable
information.

The  Margin  may  be  different  for  purchases,  cash  advances,  balance  transfers  and  any  penalty  rate.  The  Margins  and
Interest  Rate  applicable  to  your  account  are  disclosed  in  this  Addendum  and  may  be  subject  to  minimum  and  maximum
Interest  Rates.  In  any  case  the  Interest  Rate  will  never  be  greater  than  the  maximum  amount  permitted  by  law.    Any
increase in the Interest Rate may take the form of additional payments.

Method for Computing the Balance for Purchases:  Average Daily Balance Including New Purchases

Late Payment Fee. $25.00 when minimum payment is not made by the due date

Minimum Payment.  Your monthly payment will be  3.00% of your total new balance, or $18.00,  whichever  is  greater  plus
outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.

BXC201

BUSINESS CREDIT CARD AGREEMENT

This Business Credit Card Agreement ("Agreement") includes this document, any letter, card carrier, card insert,
addendums, any other document accompanying this Agreement, any application that you signed or submitted to
the  credit  union,  and  any  notification  of  changes  to  this  Agreement.  The  words  "you"  and  "your"  mean  each
person, each business or organization ("organization"), and each officer or owner of the organization who agrees
to  be  bound  by  this  Agreement  as  set  forth  below.    The  words  we,  our,  us  and  "credit  union"  means  the  credit
union whose name appears on this Agreement or anyone to whom the credit union transfers this Agreement. The
word "card" means the Visa business credit card you receive from the credit union and any duplicates, renewals,
or substitutions the credit union issues to you. The word "account" means the credit card line of credit account the
credit union approves for you that is subject to this Agreement.

1. PERSONS  BOUND.   By  signing  (in  ink,  electronically  or  digitally)  any  business  loan  application  stating  your
agreement to be bound by this Agreement or by using the card or account we issue to you, or by authorizing an
employee to use the card or account we issue to you, you agree to be bound by the terms of this Agreement.  If
you are an officer or owner obtaining an account for your organization, you agree to the terms of this Agreement
in your personal capacity as well as your capacity as an officer or owner authorized to bind the organization to this
Agreement.

2. USING  YOUR  ACCOUNT. If you are approved for an account, the credit union will establish a line of credit for
you. The amount of your credit limit is set forth on the Addendum accompanying this Agreement. You agree that
your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") that
you  will  have  outstanding  on  your  account  at  any  time.  If  you  exceed  your  credit  limit,  you  must  pay  the  amount
you are over your limit plus any fees and unpaid finance charges before payments will begin to restore your credit
limit. In addition, a fee may be imposed for exceeding your credit limit. You may request an increase in your credit
limit only by a method acceptable to the credit union. A request to increase your Credit Line may require approval
by  our  business  loan  committee  or  loan  offer  and  may  require  a  review  of  you  and/or  your  business/company’s
creditworthiness. The credit union may increase or decrease your credit limit, refuse to make an advance and/or
terminate  your  account  at  any  time  for  any  reason  not  prohibited  by  law.  If  you  are  permitted  to  obtain  cash
advances  on  your  account,  we  may  from  time  to  time  issue  convenience  checks  to  you  that  may  be  drawn  on
your  account.  Your  card  must  be  activated  by  you  before  any  convenience  check  can  be  posted  to  your  credit
card  account  or  returned  check  fees  will  be  charged  to  your  account.  Convenience  checks  may  not  be  used  to
make a payment on your account balance. If you use a convenience check it will be posted to your account as a
cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason
and  such  refusal  shall  not  constitute  wrongful  dishonor.  Returned  checks  and  stop  payment  fees  will  also  be
posted against your credit card account. If your credit card has not been activated, been reported lost, stolen, or
closed for any other reason, then any convenience checks that you might have used to pay for goods or services
may  be  returned  and  returned  check  fees  may  be  charged  to  your  account.  All  unused  convenience  checks  on
that account must be destroyed to prevent unauthorized use and returned check fee charges to your account.

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any
fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment
request  orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the
presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your
request  must  accurately  describe  the  check  including  the  exact  account  number,  the  payee,  any  check  number
that  may  be  applicable,  and  the  exact  amount  of  the  check.  You  may  make  a  stop  payment  request  orally  but
such  a  request  will  expire  after  fourteen  (14)  days  unless  you  confirm  your  request  in  writing  within  that  time.
Written  stop  payment  orders  are  effective  only  for  six  (6)  months  and  may  be  renewed  for  additional  six  month
periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a
stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop
payment  order,  you  agree  to  sign  a  statement  describing  the  dispute  with  the  payee,  to  assign  to  us  all  of  your
rights  against  the  payee  or  other  holders  of  the  check  or  draft  and  to  assist  us  in  any  legal  action.  You  agree  to
indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees,  damages,  or  claims,

© CUNA Mutual Group, 2006, 08 ALL RIGHTS RESERVED

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related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect
information provided to us or the giving of inadequate time to act upon a stop payment request.

3. STATEMENT OF BUSINESS PURPOSE.  You  agree  that  you  have  represented  to  us  that  you  are  obtaining
your  account  for  business  purposes,  that  all  purchases,  cash  advances,  balance  transfers,  use  of  any
convenience  checks  issued  on  your  account  and  any  other  use  of  your  account  will  only  be  for  a  business
purpose. You agree that you will never use your account for any personal, household or family purposes.

4.   USING  YOUR  CARD. You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept
your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your
card.  If  you  wish  to  pay  for  goods  or  services  over  the  Internet,  you  may  be  required  to  provide  card  number
security  information  before  you  will  be  permitted  to  complete  the  transaction.  In  addition,  the  credit  union  may
permit  you  to  obtain  cash  advances  from  the  credit  union,  from  other  financial  institutions  that  accept  your  card,
and  from  some  automated  teller  machines  (ATMs).  (Not  all  ATMs  may  accept  your  card.)  If  the  credit  union
authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification  number  (PIN).  To  obtain
cash  advances  from  an  ATM,  you  must  use  the  PIN  that  is  issued  to  you  for  use  with  your  card.  ATM  cash
advances can be made with your credit card PIN (personal identification number) with a withdrawal limit of up to
$800  a  day.  When  you  use  an  ATM  not  owned  by  us,  you  may  be  charged  a  fee  by  the  ATM  operator  or  any
network used and are subject to their maximum cash restrictions. Purchases and cash advances are considered
signature-based  transactions.  You  may  make  up  to  15  signature-based  transactions  within  a  24-hour  period;
however,  you  will  not  be  allowed  to  exceed  your  extended  credit  limit.  You  agree  that  you  will  not  use  your  card
for  any  transaction  that  is  illegal  under  applicable  federal,  state  or  local  law.  Even  if  you  use  your  card  for  an
illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction.
If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase
instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted
to your account as a cash advance and include, but are not limited to, wire transfers, money orders, bets, lottery
tickets,  and  casino  gaming  chips.  This  paragraph  shall  not  be  interpreted  as  permitting  or  authorizing  any
transaction that is illegal.

5. RESPONSIBILITY.    You  agree  to  pay  all  charges  (purchases  and  cash  advances,  balance  transfers,  use  of
convenience checks and any other charge) to your account that are made by you or anyone whom you authorize
to use your account.  You also agree to pay all finance charges and other charges added to your account under
the  terms  of  this  Agreement  or  another  agreement  you  made  with  the  credit  union.  If  there  is  more  than  one
person  bound  to  this  Agreement,  each  will  be  individually  and  jointly  responsible  for  paying  all  amounts  owed
under  this  Agreement.  If  you  are  an  organization,  the  officer  or  owner  that  obtained  the  account  for  the
organization  is  also  personally  obligated  for  all  charges  made  under  the  account.    This  means  that  the  credit
union can require any one of you to individually repay the entire amount owed under this Agreement.  In addition
each person bound under this Agreement, as well as any authorized user, may make purchases individually and,
if cash advances are permitted for your account, may obtain cash advances individually.

6.
INTEREST  RATE. The  Interest  Rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are
disclosed on the Addendum that accompanies this Agreement. Any penalty rate that may be imposed for failing to
make  a  payment  by  the  Payment  Due  Date  is  also  disclosed  on  the  Addendum.  If  the  rate  for  your  account  is
variable, as indicated on the accompanying Addendum, the rate charged on purchases, cash advances, balance
transfers and any penalty rate will vary periodically as disclosed in the Addendum accompanying this Agreement.
The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory  discounted  rate
(Introductory  Rate)  that  is  lower  than  the  rate  that  would  ordinarily  apply  for  that  type  of  transaction.  If  an
Introductory  Rate  applies  to  your  account,  the  rates  and  the  period  of  time  it  will  be  effective  is  shown  on  the
Addendum  accompanying  this  Agreement.  After  the  Introductory  Rate  period  expires,  the  Interest  Rate  will
automatically  increase  to  the  rates  that  would  ordinarily  apply  for  that  type  of  transaction  based  on  the  terms  of
this Agreement.

7. FINANCE CHARGE CALCULATION METHOD FOR PURCHASES . New  purchases  posted  to  your  Account
during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the
beginning of that billing cycle or you paid the entire New Balance on the previous cycle's billing statement by the
Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted
to  your  Account.    To  avoid  an  additional  finance  charge  on  the  balance  of  purchases,  you  must  pay  the  entire
New  Balance  on  the  billing  statement  by  the  Payment  Due  Date  of  that  statement.  The  finance  charge  is
calculated  separately  for  purchases  and  cash  advances.    For  purchases,  the  finance  charge  is  computed  by
applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.    To  get  the  average  daily  balance  of
purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new  purchases,  and
subtract  any  payments  and/or  credits.    This  gives  us  the  daily  balance  of  purchases.    Then,  we  add  all  the  daily
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balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle.
This gives us the average daily balance of purchases.

8. FINANCE CHARGE CALCULATION METHOD FOR CASH ADVANCES. A finance charge begins to accrue
on cash advances from the date you get the cash advance. For cash advances, the finance charge is computed
by applying the periodic rate to the average daily balance of cash advances.  To get the average daily balance of
cash  advances,  we  take  the  beginning  outstanding  balance  of  cash  advances  each  day,  add  in  any  new  cash
advances,  and  subtract  any  payments  and/or  credits  that  we  apply  to  the  cash  advance  balance.    This  gives  us
the  daily  balance  of  cash  advances.    Then,  we  add  all  the  daily  balances  of  cash  advances  for  the  billing  cycle
together and divide the total by the number of days in the billing cycle.  This gives us the average daily balance of
cash advances.

9. OTHER CHARGES.  In addition to the Interest Rate, additional fees may be imposed on your account.  The
amount and description of these fees are disclosed on the Addendum at account opening.

10.  PAYMENTS.  Each month you must pay at least the minimum payment shown on your statement by the date
specified  on  the  statement  or  no  later  than  twenty-five  (25)  days  from  the  statement  closing  date,  whichever  is
later.  If  your  statement  indicates  a  “Past  Due  Amount”,  your  payment  is  due  no  later  than  twenty-five  (25)  days
from  the  statement  closing  date.  All  payments  must  be  made  in  U.S.  dollars  and  if  made  by  a  negotiable
instrument  such  as  a  check  or  money  order,  must  be  in  a  form  acceptable  to  us  and  drawn  on  a  U.S.  financial
institution. You may pay more frequently, pay more than the minimum payment or pay the New Balance in full. If
you make extra or larger payments, you are still required to make at least the minimum payment each month your
account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  for  your  account  is  shown  on  the
Addendum  accompanying  this  Agreement.  In  addition  to  the  minimum  payment,  you  must  also  pay,  by  the  date
specified  above,  the  amount  of  any  prior  minimum  payment(s)  that  you  have  not  made,  all  outstanding  unpaid
fees  and  charges,  and  any  amount  you  are  over  your  credit  limit.  The  credit  union  also  has  the  right  to  demand
immediate  payment  of  any  amount  by  which  you  are  over  your  credit  limit.  Subject  to  applicable  law,  your
payments may be applied to what you owe to the credit union in any manner the credit union chooses. We may
accept checks marked "payment in full" or with words of similar effect without losing any of our rights to collect the
full balance of your account with us.

Skip-A-Payment. From time to time, we may offer opportunities for you to skip or reduce one or more payments
during  the  year  or  we  may  temporarily  reduce  FINANCE  CHARGES.    FINANCE  CHARGES  will  continue  to
accrue during skip-a-payment promotions.

11. FOREIGN  TRANSACTIONS.    If  you  make  a  purchase  or  obtain  a  cash  advance  in  a  foreign  currency,  the
transaction  will  be  debited  from  your  account  in  U.S.  dollars.    Visa  will  convert  the  transaction  into  U.S.  dollars
depending  on  whether  you  complete  the  transaction  with  a  Visa  card  or  if  the  transaction  is  processed  by  a
network  operated  or  affiliated  with  Visa.  For  transactions  processed  through  Visa,  the  exchange  rate  used  to
convert  foreign  currency  transactions  is  a  rate  selected  by  Visa  from  a  range  of  rates  available  in  wholesale
currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives
or the government-mandated rate in effect for the applicable central processing date.  The exchange rate used to
convert the transaction may differ from the rate Visa receives and may differ from the rate applicable on the date
the transaction occurred or was posted to your account.

12. COLLECTION COSTS.   You  agree  to  pay  all  costs  of collecting  the  amount  you  owe  under  this  Agreement,
including court costs and reasonable attorney's fee, as permitted by applicable state law.

13. SECURITY INTEREST.  If you give the credit union a specific pledge of shares by signing a separate pledge
of  shares,  your  pledged  shares  will  secure  your  account.    You  may  not  withdraw  amounts  that  have  been
specifically  pledged  to  secure  your  account  until  the  credit  union  agrees  to  release  all  or  part  of  the  pledged
amount.    In  addition,  for  organizations  that  are  sole  proprietorships,  your  account  is  secured  by  all  other  shares
you  have  in  any  individual  or  joint  account  with  the  credit  union,  except  for  shares  in  an  Individual  Retirement
account  or  in  any  other  account  that  would  lose  special  tax  treatment  under  state  or  federal  law  if  given  as
security.    These  other  shares  may  be  withdrawn  unless  you  are  in  default  under  this  Agreement.    You  authorize
the  credit  union  to  apply  the  balance  in  your  individual  or  joint  share  accounts  to  pay  any  amounts  due  on  your
account if you should default.  Collateral securing other loans you have with the credit union may also secure this
loan, except that a dwelling will never be considered as security for this account, notwithstanding anything to the
contrary in any other agreement.

14. DEFAULT.  You will be in default if you fail to make any minimum payment or other required payment by the
date that it is due.  You will be in default if you; a) break any promise you make under this Agreement; b) exceed
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your  credit  limit;  c)  are  a  natural  person,  if  you  die;  d)  are  an  organization,  you  cease  to  exist;  e)  are  an
organization, you change your legal structure so that the person obligating the organization to this Agreement is
no  longer  authorized  to  bind  it  to  legal  agreements;  f)  file  for  bankruptcy  or  become  insolvent;  g)  make  any  false
or  misleading  statements  in  any  credit  application  or  credit  update;  or  h)  if  something  happens  that  the  credit
union  believes  may  substantially  reduce  your  ability  to  repay  what  you  owe.  When  you  are  in  default,  the  credit
union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance  without  giving  you  notice.    If
immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges,  at  the  Interest  Rate  charged
before  default,  until  what  you  owe  has  been  paid,  and  any  shares  that  were  given  as  security  for  your  account
may be applied towards what you owe.

15. CHANGING  OR  TERMINATING  YOUR  ACCOUNT.    The  credit  union  may  change  the  terms  of  this
Agreement and any attached Addendum from time to time.  Notice of any change will be given in accordance with
applicable  law.    If  permitted  by  law,  the  change  will  apply  to  your  existing  account  balance  as  well  as  to  future
transactions.

Either you or the credit union may terminate this Agreement at any time, but termination by you or the credit union
will not affect your obligation to pay the account balance plus any finance and other charges you owe under this
Agreement.    You  are  also  responsible  for  all  transactions  made  to  your  account  after  termination,  unless  the
transactions were unauthorized.

The card or cards you receive remain the property of the credit union and you must recover and surrender to the
credit union all cards upon request or upon termination of this Agreement whether by you or the credit union.  The
credit  union  has  the  right  to  require  you  to  pay  your  full  account  balance  at  any  time  after  your  account  is
terminated, whether it is terminated by you or the credit union.

16. CHANGING OR TERMINATING AUTHORIZED USERS.   Upon   your  request,  we  may  issue  additional  cards
for  authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's
right to access your account. Your letter must include the name of the authorized user and your account number
and/or  any  subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any
convenience  checks  issued  to  the  authorized  user.  If  you  cannot  return  the  authorized  user's  card  and  if  you
request your account to be closed, we will close your account and you may apply for a new account.

17. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION.  You  may  be  liable  for  the
unauthorized use of your card or account. Notify us immediately, in writing at PO Box 4798, El Paso, TX 79914 or
by  telephone  at  (800)  449-7728,  if  your  card  is  lost,  stolen  or  you  suspect  there  has  been  unauthorized  use  of
your card or account.  After we receive your notification, you will not be liable for any further unauthorized use of
your card or account.

If you are an organization with 10 or more employees and we have issued 10 or more cards on your account for
use by your employees, you will be liable for all unauthorized use   of  your  cards  or  account  before  notification
to  us.    Otherwise,  you  will  be  liable  for  up  to  $50  for  the  unauthorized  use  of  your  card  or  account  before
notification  to  us.    Unauthorized  use  does  not  include  use  of  a  card  by  an  authorized  user  in  an  unauthorized
manner.

18. CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION.    You  authorize  the  credit  union  to  investigate  your
credit  standing  when  opening  or  reviewing  your  account.    You  authorize  the  credit  union  to  disclose  information
regarding your account to credit bureaus and creditors who inquire about your credit standing.  If your account is
eligible  for  emergency  cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you
agree that we may provide personal information about you and your account that is necessary to provide you with
the requested service(s).

19. RETURNS AND ADJUSTMENTS.  Merchants and others who honor your card may give credit for returns or
adjustments, and they will do so by sending the credit union a credit which will be posted to your account.  If your
credits and payments exceed what you owe the credit union, the amount will be applied against future purchases
and  cash  advances.    If  the  credit  balance  amount  is  $1  or  more,  it  will  be  refunded  upon  your  written  request  or
automatically after six (6) months.

20. ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS.  The credit union may from time to time offer additional
services  to  your  account,  such  as  travel  accident  insurance  or  a  liability  waver  program,  at  no  additional  cost  to
you.  You  understand  that  the  credit  union  is  not  obligated  to  offer  such  services  and  may  withdraw  or  change
them at any time.

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CU  Reward  Program  Rules. Please  refer  to  the  CURewards  pamphlet  or  visit  www.CURewards.com  for
CURewards program rules.

21. EFFECT OF AGREEMENT.  This Agreement is the contract which applies to all transactions on your account
even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.

22. NO WAIVER.  The credit union can delay enforcing any of its rights any number of times without losing them.

23. STATEMENTS  AND  NOTICES.    Unless  separate  subaccounts  have  been  set  up  under  your  account  for
authorized  users,  statements  and  notices  will  be  mailed  to  you  at  the  most  recent  address  you  have  given  the
credit union. You agree to notify us at least 10 days in advance of any change in address. Notice sent to any one
person  bound  under  this  Agreement  will  be  considered  notice  to  all.  If  we  have  agreed  to  send  statements  for
subaccounts under your account that have been issued to authorized users, we will send statements to the most
recent address you have provided for that authorized user. You agree to notify us at least 10 days in advance of
any  change  in  address  for  an  authorized  user.  You  are  responsible  for  payment  of  all  amounts  shown  on  a
statement delivered to an authorized user.

24. NOTIFICATION  OF CHANGE  IN  LEGAL  STRUCTURE,  OFFICERS  OR  OWNERS .    If  you  are  an
organization,  you  agree  to  notify  us  within  10  days  of  any  change  in  your  legal  structure  or  any  change  in  your
officers or owners.

25. SEVERABILITY  AND  FINAL  EXPRESSION.    This  Agreement  is  the  final  expression  of  the  terms  and
conditions  of  your  account.  This  written  Agreement  may  not  be  contradicted  by  evidence  of  any  alleged  oral
agreement.  Should  any  part  of  this  Agreement  be  found  to  be  invalid  or  unenforceable,  all  other  parts  of  this
Agreement shall remain in effect and fully enforceable to the fullest extent possible under this Agreement.

26. GAMBLING  TRANSACTIONS  PROHIBITED. You  may  not  use  your  card  to  initiate  any  type  of  gambling
transaction.

27. GOVERNING LAW. This Agreement is governed by the laws of the state of Texas.

28. NOTIFICATION  INFORMATION  FOR  REPORTING  LOST,  STOLEN  AND  UNAUTHORIZED  USE  OF
CARD. Notify us at once if your card has been lost or stolen or if you suspect that your card is being used without
your permission at the following: (800) 449-7728 twenty-four (24) hours per day, seven (7) days a week.

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