CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 
                P. O. Box 983
     
                Temple, Texas 76503 DISCLOSURE  STATEMENT;  SECURITY  AGREEMENT; 
                  254.773.1604
                Texell.org    MILITARY ANNUAL PERCENTAGE RATE (MAPR) AND 
                              PAYMENT OBLIGATION DISCLOSURE ("Agreement")
                               Numbers, phrases, or words preceded by a  are applicable only if the  is marked, e.g.  
    ACCOUNT-OPENING DISCLOSURES 
    Interest Rate and Interest Charges 
    Annual Percentage Rate  VISA Platinum: ____________% Introductory APR for 6 months or 6 full billing cycles 
    (APR) For Purchases
                            after Your Account is opened, whichever is greater.
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate.
                             
                            VISA Aspire: ____________%
                               This APR will vary with the market based on the Prime Rate.
    APR For Balance Transfers VISA Platinum: ____________% Introductory APR for 6 months or 6 full billing cycles 
                            after Your Account is opened, whichever is greater.
                               After that Your APR will be ____________%. This APR will vary with the market 
                               based on the Prime Rate.
                             
                            VISA Aspire: ____________%
                               This APR will vary with the market based on the Prime Rate.
    APR For Cash Advances   VISA Platinum: ____________%
                               This APR will vary with the market based on the Prime Rate.
                             
                            VISA Aspire: ____________%
                               This APR will vary with the market based on the Prime Rate.
    Paying Interest         VISA Platinum � Your due date will be at least 25 days following the statement closing 
                            date. We will not charge You interest on purchases if You pay Your entire balance 
                            owed each month by the payment due date. We will not charge You interest on 
                            balance transfers prior to the expiration of any Introductory Rate period if You pay 
                            Your entire balance owed each month by the payment due date during that period. We 
                            will begin charging interest on cash advances on the transaction date.
                            VISA Aspire � Your due date will be at least 25 days following the statement closing 
                            date. We will not charge You interest on purchases if You pay Your entire balance 
                            owed  each  month  by  the payment due date. We will begin charging interest on 
                            balance transfers and cash advances 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
     x  Balance Transfer    Except for transfers subject to an Introductory APR, $8.00 for each transfer
     x  Cash Advance        $8.00 for each advance
     x  Overdraft Transfer  $8.00 for each transfer
    Penalty Fees
     x  Late Payment        Up to $35.00
     x  Returned Payment    Up to $25.00
    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., 2018. All Rights Reserved.                           Page 1 of 6 OTBS 045 TEXL (1/18) 
    SECURITY AGREEMENT
    Borrower(s): 
                                             Credit Card Account Number:
                    To secure all obligations of Borrower(s) hereunder to the Credit Union You grant and consent to a lien on Your shares, and if
    SECURITY INTEREST
                    described below, You also give a security interest and lien in and upon the shares (Collateral) identified separately below, and any 
                    related insurance premium refunds.
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares with Us, in either joint or individual accounts (ex cept for 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 
    acknowledge that it is Your intention for such consensual lien to apply to all shares currently on deposit, together with any shares You may deposit 
    in the future. You further acknowledge that in the event You default on Your Account, We will set -off any Credit Card indebtedness against such 
    shares, and You agree that We may do so without any further notice to You. 
         DESCRIPTION (Account Type(s) Pledged) ACCOUNT NUMBER (Account Number(s) Pledged) AMOUNT PLEDGED
   By signing below, You acknowledge that You have read this entire Agreement, that You understand it, that You accept and agree to all of the terms and conditions 
   described in it, and that You have received a completed copy of it. You authorize Us to accept Your facsimile signatures 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.  
                                           X
    Name of Borrower                       Signature of Borrower         Date
                                           X
    Name of Borrower                       Signature of Borrower         Date
    OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such increments as We may from time to time determine) to Your share draft 
    account by an advance on Your Account, subject to this provision, to clear any overdraft on Your share draft account. Whether or not such transfers occur will be 
    controlled by this Agreement. In any event, You hold Us harmless for any and all liability which might otherwise arise if the transfer does not occur. Overdraft 
    protection automatically ceases if this Agreement is ever cancelled or terminated or Your Account is in default. 
    If You currently have a share draft account, You authorize Us to pay any of Your overdrafts in the order listed below, and You acknowledge that any advance 
    made to clear an overdraft will only be made if You have sufficient available credit. If no priority is listed, then any such overdrafts will only be charged to Your 
    Account (subject to Your available Credit Limit). If You do not have a share draft account at this time, and subsequently establish such an account in the 
    future, You acknowledge that the order in which any overdrafts will be paid shall be subject to the preference You have separately indicated to Us for clearing 
    any overdrafts. 
        1. ______________________________________________________________________________________________________________________________
        2. ______________________________________________________________________________________________________________________________
        3. ______________________________________________________________________________________________________________________________
   Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.                           Page 2 of 6 OTBS 045 TEXL (1/18) 
       STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR), AND PAYMENT OBLIGATION DISCLOSURE
         If these disclosures were not provided to You in-person, We 
         will also provide these disclosures to You orally, if You contact
         Us at the toll-free number set forth herein. Toll-Free Number:  __________855.351.7048__________
         STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)
         Federal law provides important 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).
         PAYMENT OBLIGATION DISCLOSURE
         Please refer to the important Account-Opening Disclosures required by the federal Truth in Lending Act, including Your Credit Card Account 
         Agreement And Federal Disclosure Statement for important information about Your payment obligations. This Agreement is being furnished to 
         You at or before the time Your open-end credit account is established.
               CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
   THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA 
   PLATINUM AND VISA ASPIRE CREDIT CARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM AND VISA
   ASPIRE CREDIT CARD, 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.
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" means TEXELL 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 Platinum or VISA Aspire 
   Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum or VISA Aspire 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.
                              Variable Rate     Daily Periodic Rate ANNUAL PERCENTAGE RATE
    Credit Card
                                                 For Purchases       For Purchases
                           Index    Margin
    VISA Platinum       ____________ ____________ ____________%      ____________%
    VISA Aspire         ____________ ____________ ____________%      ____________%
                              Variable Rate     Daily Periodic Rate ANNUAL PERCENTAGE RATE
    Credit Card
                                               For Balance Transfers For Balance Transfers
                           Index    Margin
    VISA Platinum       ____________ ____________ ____________%      ____________%
    VISA Aspire         ____________ ____________ ____________%      ____________%
                              Variable Rate     Daily Periodic Rate ANNUAL PERCENTAGE RATE
    Credit Card
                                                For Cash Advances   For Cash Advances
                           Index    Margin
    VISA Platinum       ____________ ____________ ____________%      ____________%
    VISA Aspire         ____________ ____________ ____________%      ____________%
   USE  OF  YOUR  CARD.  You  may  use  Your  Card  to  buy  goods  and  services  that You default on Your Account, We may apply these shares toward the repayment 
   in any place that it is honored and to get cash advances at participating financial  of any amount owed on Your VISA Aspire Credit Card. You may cancel Your VISA  
   institutions. You agree not to use Your Card for illegal transactions including, but  Aspire Credit Card at any time by paying any amounts owed on such Account. You 
   not  limited  to,  advances  made  for  the  purpose  of  gambling  and/or  wagering   understand that all shares pledged as Collateral must remain on deposit at all times, 
   where such practices are in violation of applicable state and/or federal law.  except to the extent that You repay all amount(s) You owe to Us and close Your
                                            Account. To be certain that Your entire balance and all advances are paid, the shares 
   SECURITY. Collateral (other than household goods or any dwelling) given as  pledged may not be available to You for at least 30 days after You have cancelled and 
   security under any other loan You may have with Us will secure all amounts You  any outstanding balance is paid in full. 
   owe Us now and in the future if that status is reflected in the "Truth-in-Lending
   Disclosure" in any particular Agreement evidencing such debt.       LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for 
                                            which You are approved. Unless You are in default, the Credit Limits established 
   ACCOUNT RESTRICTIONS � VISA ASPIRE. In order to receive and maintain a VISA  for You will generally be self-replenishing as You make payments. You will keep 
   Aspire Credit Card, You have given Us a specific pledge of shares (Collateral) which is  Your unpaid balance within Your Credit Limit set by Us, and You will pay any 
   described above in the Security Agreement section of this Agreement. In the event  amount over Your Credit Limit on Our demand whether or not We authorize the 
   Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.                           Page 3 of 6 OTBS 045 TEXL (1/18) 
   advances which caused You to exceed Your Credit Limit. Even if Your unpaid  VISA Platinum � Grace Period on Balance Transfer Transactions. Your due 
   balance is less than Your Credit Limit, You will have no credit available during any  date is at least 25 days after Your statement closing date. For VISA Platinum, 
   time that any aspect of Your Account is in default.  during the Introductory Rate Period You can avoid Finance Charges on balance 
                                            transfers by paying the full amount of the entire balance owed each month by Your 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for  payment  due  date.  Otherwise,  the  new  balance  of  balance  transfers,  and 
   the repayment of any amounts owed. If any Account access device, such as a  subsequent balance transfers from the date they are posted to Your Account, will 
   Personal Identification Number (PIN) is requested and approved, You understand  be subject to a Finance Charge. 
   that any such Account access device(s) will be mailed only to the primary Borrower 
   at  the  address  that  We  have  on  file  for  You.  We  may  refuse  to  follow  any  VISA Aspire� No Grace Period on Balance Transfer Transactions. Balance 
   instructions which run counter to this provision.  transfers obtained through the use of Your VISA Aspire Credit Card are always 
                                            subject to a Finance Charge from the date they are posted to Your Account. 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
   only pay the Minimum Monthly Payments, You understand that You have the right  VISA Platinum � Introductory Rate on Balance Transfer Transactions. For VISA 
   to repay at any time without penalty. You also understand that You will only be  Platinum, each balance transfer transaction obtained during the first 6 billing cycles 
   charged periodic Finance Charges to the date You repay Your entire balance. You  following the date that Your Account is established will accrue Finance Charges at a 
   may make larger payments without penalty. Any partial payment or prepayment will  discounted  Introductory  Daily  Periodic  Rate  of  ___________%  0.00000 (corresponding 
   not delay Your next scheduled payment. All payments to Us must be in lawful  ANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th  0.00
   money of the United States. Except as required by law, We may apply payments at  complete billing cycle following the date of Card issuance. Upon the expiration of an 
   Our  discretion.  Any  unpaid  portion  of  the  Finance  Charge  will  be  paid  by  Introductory Rate period each such balance will be subject to the non-introductory 
   subsequent  payments  and  will  not  be  added  to  Your  principal  balance.  You  Variable Rate described elsewhere in this Agreement. If Your Account was not subject 
   understand that any delay in the repayment of Your unpaid balance will increase  to  this  Introductory  Rate  the  balance  for  balance  transfers  would  have  accrued 
   Your periodic Finance Charges and any acceleration in the repayment of Your  Finance Charges at the Daily Periodic Rate and corresponding Annual Percentage 
   unpaid balance will decrease Your periodic Finance Charges.  Rate described elsewhere in this Agreement. 
   Minimum Monthly Payments will be an amount equal to 3.00% of Your new unpaid  VISA Platinum and VISA Aspire � Cash Advance Transactions. In the case of any 
   Account balance at the end of each billing cycle, subject to the lesser of $25.00 or  balance transfer transactions under Your Account, the balances subject to the periodic 
   Your  balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  Finance Charge are the average daily transactions balances outstanding during the 
   statement(s) which remains unpaid, plus any amount that exceeds Your approved  month  (including  new  transactions). To  get  the  average  daily  balance  for  cash 
   Credit Limit.                            advances, We take the beginning balance for cash advances each day, add any new 
                                            cash  advances,  debit  adjustments  or  other  charges  and  subtract  any  payments 
   You may authorize Us to charge Your payment directly to Your share or share  credited to cash advances, credits and unpaid Finance Charges. This gives Us the 
   draft account.                           daily balance for cash advances. Then, We add up all the daily balances for cash 
                                            advances for the billing cycle being accounted for and divide them by the number of 
   FINANCE CHARGES. Finance charges on Your Account will accrue as set  days in the billing cycle. The Finance Charge for cash advances for each billing cycle 
   forth below.                             is computed by multiplying the average daily balance for cash advances that is subject 
                                            to a Finance Charge by the Daily Periodic Rate.  
   VISA Platinum and VISA Aspire � Purchase Transactions. In the case of any 
   purchase transactions under Your Account, the balances subject to the periodic  VISA  Platinum  and  VISA  Aspire �  No  Grace  Period  on  Cash  Advance 
   Finance Charge are the average daily transactions balances outstanding during  Transactions. Cash advances obtained through the use of Your VISA Platinum 
   the month (including new transactions). To get the average daily balance for  Credit  Card  and/or  VISA  Aspire  Credit  Card  are  always  subject  to  a  Finance 
   purchases, We take the beginning balance for purchases each day, add any  Charge from the date they are posted to Your Account. 
   new purchases, debit adjustments or other charges and subtract any payments 
   credited to purchases, credits and unpaid Finance Charges. This gives Us the  VARIABLE RATE. For VISA Platinum, following the expiration of the Introductory 
   daily  balance  for  purchases.  Then,  We  add  up  all  the  daily  balances  for  Rate  period,  all  purchase  and  balance  transfers  transactions  are  subject  to a 
   purchases  for  the  billing  cycle  being  accounted  for  and  divide  them  by  the  Variable Rate which is based on the highest Prime Rate as published in the Money 
   number of days in the billing cycle. The Finance Charge for purchases for each  Rates section of The Wall Street Journal in effect on the day the Introductory Rate 
   billing cycle is computed by multiplying the average daily balance for purchases  period expires, and subsequently, on the last day of each calendar quarter of each 
   that is subject to a Finance Charge by the Daily Periodic Rate times the number  year (�Index�) plus Our Margin. The Index plus the Margin equals the Interest Rate. 
   of days in the billing cycle.            Changes in the Index will cause changes in the Interest Rate on the day the 
                                            Introductory Rate period expires, and subsequently, on the first day of the calendar 
   VISA Platinum and VISA Aspire � Grace Period on Purchase Transactions. quarter that immediately follows a change in the Index.   
   Your due date is at least 25 days after Your statement closing date. You can avoid 
   Finance Charges on purchases by paying the full amount of the entire balance  For  VISA  Platinum,  balances  for  cash  advance  transactions  are  subject  to  a 
   owed each month by Your payment due date. Otherwise, the new balance of  Variable Rate which is based on the highest Prime Rate as published in the Money 
   purchases, and subsequent purchases from the date they are posted to Your  Rates section of The Wall Street Journal in effect on the last day of each calendar 
   Account, will be subject to a Finance Charge.   quarter of each year (�Index�) plus Our Margin. The Index plus the Margin equals 
                                            the Interest Rate. Changes in the Index will cause changes in the Interest Rate on 
   VISA  Platinum �  Introductory  Rate  on  Purchase  Transactions. For  VISA  the first day of the calendar quarter that immediately follows a change in the Index.   
   Platinum,  each  purchase  transaction  obtained  during  the  first  6  billing  cycles 
   following the date that Your Account is established will accrue Finance Charges at  For VISA Aspire, all balances are subject to a Variable Rate which is based on the 
   a discounted Introductory Daily Periodic Rate of ___________% (corresponding  0.00000 highest Prime Rate as published in the Money Rates section of The Wall Street 
   ANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th  0.00 Journal in effect on the last day of each calendar quarter of each year (�Index�) plus 
   complete billing cycle following the date of Card issuance. Upon the expiration of  Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the 
   an  Introductory  Rate  period  each  such  balance  will  be  subject  to  the  non - Index will cause changes in the Interest Rate on the first day of the calendar 
   introductory  Variable  Rate  described  elsewhere  in  this  Agreement.  If  Your  quarter that immediately follows a change in the Index.   
   Account was not subject to this Introductory Rate the balance for purchases 
   would  have  accrued  Finance  Charges  at  the  Daily  Periodic  Rate  and  For all Cards, increases or decreases in the Interest Rate will cause like increases 
   corresponding Annual Percentage Rate described elsewhere in this Agreement.  or decreases in the Finance Charge and will affect the amount of Your regularly 
                                            scheduled payments. Your Interest Rate will never be greater than 18.00% and will 
   VISA Platinum and VISA Aspire � Balance Transfer Transactions. In the case  apply to Your remaining principal balance. 
   of any balance transfer transactions under Your Account, the balances subject to 
   the  periodic  Finance  Charge  are  the  average  daily  transactions  balances  LATE CHARGE. If Your payment is 3 or more days late, You will be charged the 
   outstanding during the month (including new transactions). To get the average  lesser of: (a) $25.00 (this amount will be $35.00 if You have incurre d a late 
   daily balance for balance transfers, We take the beginning balance for balance  charge within 6 months of previously incurring a late charge); or (b) the amount 
   transfers each day, add any new balance transfers, debit adjustments or other  of the required minimum payment.   
   charges and subtract any payments credited to balance transfers, credits and 
   unpaid Finance Charges. This gives Us the daily balance for balance transfers.  FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign 
   Then, We add up all the daily balances for balance transfers for the billing cycle  currencies,  the  exchange  rate  between  the  transaction currency  and  the  billing 
   being accounted for and divide them by the number of days in the billing cycle.  currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates 
   The Finance Charge for balance transfers for each billing cycle is computed by  available in wholesale currency markets for the applicable central processing date, 
   multiplying the average daily balance for balance transfers that is subject to a  which  rate  may  vary  from  the  rate  VISA  itself  receives;  or  (b)  the government-
   Finance Charge by the Daily Periodic Rate.   mandated rate in effect for the applicable central processing date.  
   Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.                           Page 4 of 6 OTBS 045 TEXL (1/18) 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   with the use of Your Card: (a) the lesser of $25.00  or the required minimum  We delay enforcing them. We can accept late payments, partial payments or any 
   payment  amount  for  the  returned  payment  for  any  check  (or  other negotiable  other payments, even if they are marked "paid in full" without losing any of Our rights 
   instrument used for payment) which is returned unpaid; (b) $27.00 for each balance  under this Agreement. If any provision of this or any related agreement is determined 
   transfer check or cash advance check that is submitted to Us for payment and We  to be unenforceable or invalid, all other provisions remain in full force and effect. 
   return unpaid; (c) $8.00 FINANCE CHARGE for each balance transfer not subject 
   to an introductory rate; (d) $8.00 FINANCE CHARGE for each overdraft transfer;  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   (e)  $8.00  FINANCE  CHARGE  for  each cash advance; and (f) $5.00 for each  or otherwise have a change of address. 
   replacement Card You request. 
                                            CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement  delivering to You written notice of the changes as prescribed by the Federal 
   showing all transactions on Your Account including amounts paid and borrowed  Truth-In-Lending Act. To the extent permitted by law, the right to change the 
   since Your last statement. We will deliver You a statement each month in which  terms of this Agreement includes, but is not limited to, the right to change the 
   there is a debit or credit balance or when a Finance Charge is imposed. We need  periodic rate applicable to Your unpaid balance and/or future advances.
   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  CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
   STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  under this Agreement. However, You may purchase any credit insurance available 
   UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL  through Us and have the premiums added to Your outstanding balance. If You elect to 
   TRUTH-IN-LENDING ACT.                    do so, You will be given the necessary disclosures and documents separately. 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper labeled "Additional
   obligation to honor any of Your Convenience Checks and may, at Our sole and  Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
   exclusive option, refuse to pay any Convenience Check, regardless of Our reason for  Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this  Agreement  
   electing not to pay such Convenience Check. You acknowledge that any such refusal  and Disclosure. 
   to pay a Convenience Check shall not constitute wrongful dishonor, and We are not 
   responsible for any resulting loss or liability. If a postdated Convenience Check is paid  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   and, as a result, any other Convenience Check is returned unpaid, We are not  Agreement. By signing this Agreement or an application; or by using Your Account 
   responsible for any resulting loss or liability.  or any Account access device; or by authorizing another to use Your Account, You 
                                            agree to and accept its terms. 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform 
   any obligation under this Agreement, or any other agreement that You may have  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to 
   with Us; or (b) You should die, become involved in any insolvency, receivership  update information contained in Your original Account application or other financial 
   or custodial proceeding brought by or against You; or (c) You have made a false  information related to You, at Our request. You also agree that We may, from time to 
   or misleading statement in Your credit application and/or in Your representations  time, as We deem necessary, make inquiries pertaining to Your employment, credit 
   to Us while You owe money on Your Account; or (d) A judgment or tax lien  standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
   should be filed against You or any attachment or garnishment should be issued  regulations. You further agree that We may give information about the status and 
   against any of Your property or rights, specifically including any one starting an  payment history of Your Account to consumer credit reporting agencies, a prospective 
   action or proceeding to seize any of Your funds on deposit with Us; and/or (e)  employer or insurer, or  a state or federal licensing agency having any apparent 
   We  should,  in  good  faith,  believe  Your  ability  to  repay  Your  indebtedness  legitimate business need for such information.  
   hereunder is or soon will be impaired, time being of the very essence.
                                            TERMINATION. Either You or We may cancel Your Account at any time, whether 
   Upon any occurrence of default, and to the extent permitted by law, We may, without  or not You are in default. You will, in any case, remain liable to pay any unpaid
   prior notice or demand: (a) declare the entire balance owed under this Agreement  balances according to the terms of Your Account. 
   immediately due and payable; and (b) impress and enforce the Consensual Lien on 
   Your shares and dividends with Us; and (c) if applicable, setoff any Collateral pledged.  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   Any resulting deficiency owed under this Agreement shall be immediately paid to the  time without notice. You agree to surrender Your Card and to discontinue its use 
   Credit Union. We can also exercise any other rights We hold under applicable law. To  immediately upon Our request. 
   the extent permitted by law, You waive any right You have to demand for payment, 
   notice of intent to accelerate and notice of acceleration.   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
                                            Your request, a Personal Identification Number (PIN) for use with participating 
   ARBITRATION (Except for Credit Subject to the Military Lending Act (MLA)). In  Automated Teller Machines (ATMs). This PIN is confidential and should not be 
   the event of default under this Agreement, We may, at Our sole and exclusive  disclosed to anyone. You may use Your PIN to access Your Account and all sums 
   option, pursue Our remedies by filing a legal action to recover any amounts owed  advanced will be added to Your Account balance. In the event a use of Your PIN 
   under this Agreement, or We may initiate arbitration proceedings.  constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
                                            Electronic Fund Transfer Agreement may also affect Your rights.  
   If We elect arbitration to resolve any controversy or claim arising out of Your 
   default  under  this  Agreement,  such  arbitration  shall  be  administered  by  the  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   American  Arbitration  Association  in  accordance  with  its  Arbitration  Rules,  and  slips You may sign or receive when using Your Card contain terms, this Agreement is 
   judgment on the award rendered by the arbitrator(s) may be entered in any court  the contract which solely applies to all transactions involving the Card. 
   having  jurisdiction  thereof.  Claims  shall  be  heard  by  a  single  arbitrator.  The 
   arbitration shall be governed by the laws of the state in which Our principal office is  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You 
   located, and arbitration shall take place in the area in which Our principal office is  will not be liable for the unauthorized use that occurs after You notify Us of the loss, 
   located. Time is of the essence for any arbitration under this Agreement. Arbitration  theft, or possible unauthorized use by calling Us at (254) 773-1604. You may also 
   hearings shall take place within 90 days of the request for arbitration, and awards  notify Us of the loss, theft, or possible unauthorized use by writing to Us at P.O. Box 
   shall be rendered within 60 days of the conclusion of the arbitration proceedings.  983, Temple, TX 76503. In any case, Your liability will not exceed $50.00. 
   Arbitrator(s)  shall  agree  to  these  limits  prior  to  accepting  appointment.  The 
   arbitrators will have no authority to award punitive or other damages not measured  PRE-AUTHORIZED  RECURRING  CHARGES.  You  may,  from  time  to  time, 
   by the prevailing party's actual damages, except as may be required by statute.  establish  preauthorized  recurring  charges  be  made  on  Your  Account.  You 
   The arbitrator(s) shall award to the prevailing party, if any, as determined by the  understand  that  any  such preauthorized recurring charges will continue unless 
   arbitrators, all of their costs and fees. "Costs and fees" mean all reasonable pre- discontinued by You directly with the service provider with whom You preauthorized 
   award expenses of the arbitration, including the arbitrators' fees, administrative  the recurring charge. 
   fees, travel expenses, out-of-pocket expenses such as copying and telephone, 
   court costs, witness fees, and attorneys' fees. Except as may be required by law,  To ensure that recurring preauthorized charges established and authorized by 
   neither a party nor an arbitrator may disclose the existence, content, or results of  You are not interrupted in the event that Your Card or other Access Device is 
   any  arbitration  hereunder  without  the  prior  written  consent  of  both  parties.  All  reissued, We may, but are under no obligation to do so, enroll Your account in 
   parties hereby waive and give up all rights to a jury trial or class action relief.  automatic  account  information  update  services  that  communicate  new 
                                            Card/Access Device information to the service providers with whom You have 
   COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain  established preauthorized recurring charges, the purpose of which is to ensure 
   payment on this Account, to the extent permitted by law, You agree to pay all court  charges You authorize continue without interruption. 
   costs, private process server fees, investigation fees or other costs incurred in 
   collection and reasonable attorneys� fees incurred in the course of collecting any  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for
   amounts owed under this Agreement or in the recovery of any Collateral.   the refusal or inability of merchants, financial institutions and others to accept the 
   Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.                           Page 5 of 6 OTBS 045 TEXL (1/18) 
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  What To Do If You Find A Mistake On Your Statement 
   a Card withdrawal, or for their retention of the Cards or Convenience Checks. 
                                            If You think there is an error on Your statement, write to Us at P.O. Box 983, 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  Temple, TX 76503. In Your letter, give Us the following information: 
   electronic terminal or financial institution at which transactions were made, but  x Account information: Your name and Account number. 
   sales, cash advance, credit or other slips cannot be returned with the statement.  x Dollar amount: The dollar amount of the suspected error. 
                                            x  Description of problem: If You think there is an error on Your bill, describe 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards or  what You believe is wrong and why You believe it is a mistake. 
   Convenience Checks, You will immediately call Us at (254) 773-1604. You may also 
   report lost or stolen Credit Cards or Convenience Checks by writing to Us at P.O. Box  You must contact Us: 
   983, Temple, TX 76503. In any case, Your liability will not exceed $50.00. 
                                            x  Within 60 days after the error appeared on Your statement. 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  x At least 3 business days before an automated payment is scheduled, if You
   adjustments, they will do so by sending Us a slip which will be posted to Your  want to stop payment on the amount You think is wrong. 
   Account. If Your credits and payments exceed what You owe Us, We will hold and 
   apply this credit against future purchases and cash advances, or if it is $1.00 or  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   more refund it on Your written request or automatically deposit it to Your share  We are not required to investigate any potential errors and You may have to pay 
   account after 6 months.                  the amount in question. 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  What Will Happen After We Receive Your Letter 
   State of Texas, except to the extent that such laws are inconsistent with controlling 
   federal law.                             When We receive Your letter, We must do two things: 
     
                                            1)  Within 30 days of receiving Your letter, We must tell You that We received 
    ELECTRONIC COMMUNICATIONS. You authorize Us to send You, from  Your letter. We will also tell You if We have already corrected the error. 
    time  to  time,  and  to  the  extent  permitted  by  applicable  law,  electronic  2)  Within 90 days of receiving Your letter, We must either correct the error or 
    communications regarding the status of any share, share draft, and/or certificate  explain to You why We believe the bill is correct. 
    account(s) You maintain with Us. You also authorize Us to send You electronic 
    communications regarding any other accounts You may maintain with Us from  While We investigate whether or not there has been an error: 
    time to time including, but not limited to, loan accounts, credit line accounts, and  x We cannot try to collect the amount in question, or report You as delinquent 
    credit card accounts. These electronic communications are sometimes referred  on that amount. 
    to as "transactional or relationship messages."  x The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
    You authorize Us to contact You using any wireless, cellular, mobile or other  x While You do not have to pay the amount in question, You are responsible for 
    telephone number You have provided to Us on Your membership application,  the remainder of Your balance. 
    and at any wireless, cellular, mobile or other telephone number You may  x We can apply any unpaid amount against Your Credit Limit. 
    furnish to Us or We obtain for You in the future. To the extent permitted by 
                                            After We finish Our investigation, one of two things will happen: 
    law, We may contact You using any electronic means We choose, which 
    may include but is not limited to, voice messages, text messages and other 
                                            x  If We made a mistake: You will not have to pay the amount in question or any 
    similar electronic methods of communication. If You have furnished Us with 
                                               interest or other fees related to that amount. 
    any e-mail address(es), You understand and agree that We may send You e-
                                            x  If We do not believe there was a mistake: You will have to pay the amount 
    mail messages regarding Your Account(s) with Us from time to time. If You
                                               in question, along with applicable interest and fees. We will send You a 
    have  executed  or  subsequently  execute  any  separate  Disclosure  and 
                                               statement of the amount You owe and the date payment is due. We may 
    Consent  to  Receive  Electronic  Documentation  or  similar  form,  any 
                                               then report You as delinquent if You do not pay the amount We thin k
    communications covered by such Disclosure and Consent shall be subject to 
                                               You owe. 
    the terms and conditions set forth in that document. 
                                            If You receive Our explanation but still believe Your bill is wrong, You must write 
    You understand that the nature of electronic communications is such that 
                                            to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
    anyone with access to Your wireless, cellular, mobile or other telephonic 
                                            cannot report You as delinquent without also reporting that You are questioning 
    device  or  e-mail  may  be  able  to read or listen to such transactional or 
                                            Your bill. We must tell You the name of anyone to whom We reported You as 
    relationship messages from Us, and You agree that any person or party 
                                            delinquent, and We must let those organizations know when the matter has 
    sending  or  leaving  such  messages  shall  have  no  liability  for  any 
                                            been settled between Us. If We do not follow all of the rules above, You do  
    consequences resulting from the interception of such messages by any other 
                                            not have to pay the first $50.00 of the amount You question even if Your bill  
    party. Without limitation, You also agree that You are responsible to pay all 
                                            is correct. 
    costs that You may incur as a result of any contact method We choose 
    including, but not limited to, charges for telecommunications, wireless and/or 
                                              Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    internet charges. 
                                            If You are dissatisfied with the goods or services that You have purchased with 
    CONSENT TO CONTACT AGREEMENT. You agree that We may, subject  Your Credit Card, and You have tried in good faith to correct the problem with the 
    to applicable law, initiate telephone calls to any residential line (wireline  merchant, You may have the right not to pay the remaining amount due on the 
    service), cellular telephone service, or other wireless service associated  purchase. To use this right, all of the following must be true: 
    with Your Account through use of pre-recorded or artificial voice messages 
    and/or the use of automatic telephone dialing systems, in order for Us to  1) The purchase must have been made in Your home state or within 100 miles 
    service Your Account, prevent fraud, collect any amounts owed to Us by  of Your current mailing address, and the purchase price must have been 
    You, and otherwise conduct Our business with You. If You furnish Us with  more than $50.00. (Note: Neither of these are necessary if Your purchase 
    one or more cellular telephone numbers in connection with Your Account,  was based on an advertisement We mailed to You, or if We own the company 
    You represent You are or will be the cellular telephone subscriber with  that sold You the goods or services.) 
    respect to each such number, and that Your consent extends to all such  2) You must have used Your Credit Card for the purchase. Purchases made with 
    numbers You provide to Us. You understand that the telephone calls We  cash advances from an ATM or with a check that accesses Your Credit Card 
    may  initiate  may  result  in  charges  to  You  by  any  cellular  telephone,  account do not qualify. 
    internet, or other digital or electronic service to which You subscribe, and  3) You must not yet have fully paid for the purchase.  
    You understand and agree that You are solely responsible for the payment 
    of any such charges.                    If all of the criteria above are met and You are still dissatisfied with the purchase, 
                                            contact Us in writing at P.O. Box 983, Temple, TX 76503.  
         Your Billing Rights: Keep this Document for Future Use  While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
                                            discussed  above.  After  We  finish  Our  investigation,  We  will  tell  You  Our 
   This notice tells You about Your rights and Our responsibilities under the Fair  decision. At that point, if We think You owe an amount and You do not pay, We 
   Credit Billing Act.                      may report You as delinquent. 
   Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved.                           Page 6 of 6 OTBS 045 TEXL (1/18)