A Guide to Your Business Share Account**

Business Deposit Account Disclosure Important Notices A Guide to Your Business Share Account** It is important to understand how your Texans Credit Union accounts work. We are committed to providing the information you need to help manage your account. This guide will explain the additional banking services and fees for your Business Share Account(s). Business Share (Existing Accounts Only Except for Non-Profit Share) Sole Proprietor Share (Existing Accounts Only) Monthly Service Fee Minimum Deposit to Open $5 $5 Dividends Variable, based on daily balance Variable, based on daily balance Minimum Balance to Earn Dividends $25 Any Balance Savings Withdrawal Limit Fee Additional Requirements First six Reg D* withdrawals or transfers out of this account per monthly statement period at no charge. $10 for each Reg D withdrawal or transfer out thereafter. Must maintain a minimum daily balance of $5 in your account. If you fail to maintain minimum daily balance, your account may be subject to closure. DOCUMENTS REQUIRED TO OPEN AN ACCOUNT: Unincorporated Association / Club (Non-Profit) Unincorporated Association/Club Account Certification and Authorization By-laws, Charter or Meeting Minutes naming officers or authorized representatives Corporation NO NEW ACCOUNTS Articles of Incorporation Certificate of Incorporation or Certificate of Formation filed with Secretary of State Certificate of Authority filed with Secretary of State (Required if incorporated outside of Texas) Assumed Name Certificate filed with Secretary of State and County Clerk (Required if operating under assumed name) Meeting Minutes identifying corporate officers Limited Liability Company/Limited Liability Corporation NO NEW ACCOUNTS Articles of Organization Certificate of Organization or Certificate of Formation filed with Secretary of State Certificate of Authority filed with Secretary of State (Required if outside of Texas) Assumed Name Certificate filed with Secretary of State and County Clerk (Required if operating under assumed name) * Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market and Share Accounts is six (6) per account. The limit of six (6) transactions includes withdrawals and/or transfers on a member s Share Account or Money Market Account made by check, draft, debit card, PC, Telephone Access Line, Online Banking, telephone or written instruction. Transactions made in person, by mail or at an ATM are not counted toward this limit ** This guide is part of your Business Membership Account Agreement Disclosure and contains additional information about the fees and features of your account. Except for the terms, fees or account features included here, all other terms and conditions of your Business Membership Account Agreement Disclosure still apply. Effective 1/2017

Business Deposit Account Disclosure Important Notices A Guide to Your Business Checking Account** It is important to understand how your Texans Credit Union accounts work. We are committed to providing the information you need to help manage your account. This guide will explain the additional banking services and fees for your Business Checking Account(s). Business Checking (Existing Accounts Only) Analysis Checking (Existing Accounts Only) Business Non-Profit Checking Minimum Deposit to Open Monthly Service Fee Deposited Items Paid Items Dividends Minimum Balance to Earn Dividends Not opening new accounts Not opening new accounts $50 $25 $25 $15 $0.35 per item (after first 300) $0.35 per item (after first 300) $0.05 per item Not applicable $0.10 per item Not applicable Variable, based on Variable, based on Does not earn daily balance daily balance dividends $2,000 $2,000 Not applicable DOCUMENTS REQUIRED TO OPEN AN ACCOUNT: Unincorporated Association / Club (Non-Profit) Unincorporated Association/Club Account Certification and Authorization By-laws, Charter or Meeting Minutes naming officers or authorized representatives Corporation NO NEW ACCOUNTS Articles of Incorporation Certificate of Incorporation or Certificate of Formation filed with Secretary of State Certificate of Authority filed with Secretary of State (Required if incorporated outside of Texas) Assumed Name Certificate filed with Secretary of State and County Clerk (Required if operating under assumed name) Meeting Minutes identifying corporate officers Limited Liability Company/Limited Liability Corporation NO NEW ACCOUNTS Articles of Organization Certificate of Organization or Certificate of Formation filed with Secretary of State Certificate of Authority filed with Secretary of State (Required if outside of Texas) Assumed Name Certificate filed with Secretary of State and County Clerk (Required if operating under assumed name) ** This guide is part of your Business Membership Account Agreement Disclosure and contains additional information about the fees and features of your account. Except for the terms, fees or account features included here, all other terms and conditions of your Business Membership Account Agreement Disclosure still apply. Effective 1/2017

Business Deposit Account Disclosure Important Notices A Guide to Your Business Money Market Account** It is important to understand how your Texans Credit Union accounts work. We are committed to providing the information you need to help manage your account. This guide will explain the additional banking services and fees for your Business Money Market Account(s). Texans Business Money Market Select Money Market (Closed to new accounts) Performance Money Market with Relationship Checking Performance Money Market without Relationship Checking Monthly Service Fee $10 $10 $10 $10 How to Avoid the Monthly Service Fee Maintain a minimum daily balance of $2,500 Maintain a minimum daily balance of $10,000 Maintain a minimum daily balance of $10,000 Maintain a minimum daily balance of $10,000 Minimum Deposit to Open Dividends Minimum Balance to Earn Dividends Savings Withdrawal Limit Fee $2,500 No new accounts $10,000 $10,000 Variable, based on Variable, based on Variable, based on Variable, based on daily balance daily balance daily balance daily balance Any Balance Any Balance Any Balance Any Balance First six Reg D* withdrawals or transfers out of this account per monthly statement period at no charge. $10 for each Reg D withdrawal or transfer out thereafter. * Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market and Share Accounts is six (6) per account. The limit of six (6) transactions includes withdrawals and/or transfers on a member s Share Account or Money Market Account made by check, draft, debit card, PC, Telephone Access Line, Online Banking, telephone or written instruction. Transactions made in person, by mail or at an ATM are not counted toward this limit ** This guide is part of your Business Membership Account Agreement Disclosure and contains additional information about the fees and features of your account. Except for the terms, fees or account features included here, all other terms and conditions of your Business Membership Account Agreement Disclosure still apply. Effective 1/1/2017

Business Deposit Account Disclosure Important Notices A Guide to Your Certificate of Deposit** It is important to understand how your Texans Credit Union accounts work. We are committed to providing the information you need to help manage your account. This guide will explain the additional banking services and fees for your Certificate(s) of Deposit. Regular Certificate of Deposit Jumbo Certificate of Deposit Monthly Service Fee Minimum Deposit to Open $1,000 $100,000 Interest Fixed Fixed Early Withdrawal / Partial Withdrawal Penalties (minimum amount of each principal withdrawal prior to maturity is $1,000) There is a penalty for withdrawing principal prior to the maturity date: The penalty on a 91 day Certificate equals 30 days interest on the amount withdrawn The penalty on a 182 day Certificate equals 60 days interest on the amount withdrawn The penalty on a Certificate with a term of 12 months or longer equals 180 days interest on the amount withdrawn CD Early Withdrawal Fee/ CD Partial Withdrawal Fee Minimum Balance to Maintain Account $25 service charge when: Early withdrawal Partial withdrawal $1,000 If balance is not maintained, account is required to be redeemed and closed $100,000 If balance is not maintained, account is required to be redeemed and closed Additional Information Additional deposits can be made to CDs at maturity or during the 10-day grace period ** This guide is part of your Membership Account Agreement Disclosure and contains additional information about the fees and features of your account. Except for the terms, fees or account features included here, all other terms and conditions of your Membership Account Agreement Disclosure still apply.

Business Deposit Account Disclosure Important Notices: Fee Schedule A Guide to Your Account** It is important to understand how your Texans Credit Union business accounts work. We are committed to providing the information you need to help manage your account. This guide will explain the additional banking services and fees for various business account products. ATM Fees And Debit Card Fees 1 Texans ATM an ATM that prominently displays the Texans Credit Union name and logo on the ATM CO-OP ATM an ATM that prominently displays the COOP name and logo on the ATM Allpoint ATM an ATM that prominently displays the Allpoint name and logo on the ATM Non-Texans, non- CO-OP, and non- Allpoint ATM an ATM that does not prominently display the Texans Credit Union name and logo, the CO- OP name and logo or the Allpoint name and logo on the ATM Overdraft Fees 2,3,4 Texans, CO-OP and Allpoint ATM Transactions 1 : Using a Texans, CO-OP or Allpoint ATM to complete any transaction Non-Texans, non-co-op, or non-allpoint ATM Transactions in US, ATM Withdrawal Service Charge and ATM Inquiry Fee 1 : Any inquiries, transfers, or withdrawals while using non- Texans, CO-OP or non-allpoint ATM Foreign Transaction Fee 1 (formerly called Exchange Rate Adjustment): Making card purchases, non-atm cash transactions or ATM withdrawals in a currency other than US dollars in a foreign country at a non-allpoint ATM Non-ATM Cash Fee: Using your Texans Debit Card to withdraw cash from a teller at a financial institution that is not Texans Card Replacement Fee: Card Replacement (Rush Request): Express shipping of a replacement debit or ATM card Courtesy Pay Fees: Insufficient Funds Fee (paid) OR Insufficient Funds Fee (NSF) (paid) OR Insufficient Funds Fee (UCF) (paid): Texans pays for an item when your Available Balance in an account is not sufficient to cover a transaction Insufficient Funds Fees: Insufficient Funds Fee (NSF) (Returned) or Insufficient Funds Fee (UCF) (Returned): Texans returns an item when your Available Balance in an account is not sufficient to cover a transaction Overdraft (OD) Protection Transfer (Tran) Fee (If you are enrolled): Texans transfers money from a Business Share or Business Money Market Account Uncollected Funds (UCF) Protection Transfer Fee (Overdraft Protection): Texans transfers money from a Business Share or Business Money Market Account $0 per transaction $2 per transaction, plus any fees the ATM owner charges $4 each, plus any fees the ATM owner charges $4 each $5 per card, per occurrence $20 to $150 depending on shipping destination $35 for each item we pay $35 for each item we return $10 per transfer $10 per transfer Interest and fees will apply for transfers from your Texans personal line of credit. ** This guide is part of your Business Membership Account Agreement Disclosure and contains additional information. Except for the terms, fees or account features included here, all other terms and conditions of your Business Membership Account Agreement Disclosure still apply.

Business Deposit Account Disclosure Important Notices: Fee Schedule Deposit Services Fees3, 8, 9 CD Early Withdrawal Fee or CD Partial Withdrawal Fee (additional penalties apply) 9 Charge Per Item: Deposited Items Paid Items Check Cashing for Non-Members: Only for on us checks Check Copy Fee: All accounts $25 - Early or partial withdrawal except for required minimum distributions on IRAs $0.35 per item (after first 300) Business Checking $0.05 per item Analysis Checking $0.35 per item (after first 300) Business Checking $0.10 per item Analysis Checking $5 per item $3 per check or free in online banking Coin and Currency Processing: Coin bagged or loose Coin rolled Currency Currency special handling Coin and currency deposits Deposit Correction: Deposit Zipper Bag: First one is free $5 DocuSign document paper copy fee: $3 per item Documents no longer available to be printed from DocuSign, (see Texans Credit Union Electronic Record and Signature Disclosure for availability information). Domestic Collection Cash Letter: Requires signature endorsement (no stamps) Generally up to 6-8 week delay of funds, Includes oil and gas leases and bonds (excluding savings bonds) Early Account Closure Fee: Within 90 days of opening; member share only Foreign Collection (Coll) Cash Letter Fee (less than $200): Members are responsible for fees assessed by other financial institutions involved in the collection process Foreign Collection (Coll) Collected Credit (Cr) Fee ($200 or greater): Members are responsible for fees assessed by other financial institutions involved in the collection process Inactivity Fee: Checking account with no activity for 90 days Fee is waived if the account has an average daily balance of $2,000 or more Legal Processing Fee: Levy, garnishment, etc. Monthly Service Fee 8 : Redeposit Returned Deposit: $5 or 5% whichever is greater $0.10 per roll $0.35 per strap $0.50 per strap $0.15 per $100 deposit (minimum $0.15) $3 per item $25 Members are also responsible for fees assessed by other financial institutions involved in the collection process including any fees for nonpayment or return of item(s) $5 $25 Requires signature endorsement (no stamps) Generally up to 6-8 week delay of funds $55 Requires signature endorsement (no stamps) Generally up to 6-8 week delay of funds $6 per month of inactivity Varies per occurrence ($100 minimum) $25 per month Business Checking and Analysis Checking (no new accounts being opened of either type) $15 per month Business Non-Profit Checking, $10 per month Texans Money Market, Select Money Market and Performance Money Market $3 per item Returned Check Charge: $10 per unpaid item that you deposited or cashed Deposited item or cashed check Returned Mail Fee: $5 Savings Withdrawal Limit Fee 3 : Business and Sole Proprietor Share accounts, Texans, Select and Performance Money Market accounts Statement Print Service Charge: Statements, images, computer printouts, etc. Stop Payment Fee: Initial request or renewal of existing request $10 for each Reg D withdrawal or transfer out thereafter each month. First Six Reg D withdrawals or transfers out of the account per monthly statement period are at no charge. $5 per item $30 per request, per item

Business Deposit Account Disclosure Important Notices: Fee Schedule Deposit Services Fees 3, 8, 9 (cont d) Wire Transfers Fees 5 Research Services Fees Electronic Services Fees 7, 10 Miscellaneous Services Fees 6 Safe Deposit Boxes Fees Safe deposit boxes subject to availability. Select locations only. Temporary Check Fee: Existing accounts Visa Gift Cards Pre-designed: Min. value: $25; max value: $1,000 Visa Gift Cards Custom Design: Min. value: $10; max. value: $250 Domestic and Foreign Incoming Wire Charge: A wire transfer that is deposited into your account from another bank Wire Out Charge: Domestic - A wire transfer that you send from your account to another U.S. bank Foreign (INTL Wire) - A wire transfer that you send from your account to a bank account outside of the U.S. International Tracers, Amendments, Reversal Requests: Account Research and Reconciliation Verification of Deposit Letter Current Balance Letter Fee: $5 per four checks (four-check minimum) $3.95 per card $5.95 per card, plus custom charges include shipping (only available online) $10 Fee disclosed at the time of transaction $25 per request $25 per hour ($25 minimum) $10 per letter $10 per letter 24-Hour Account Access Line: (Touchtone telephone) Insufficient Funds Fee Paid Item: $35 Including Courtesy Pay Online Banking for Business: Setup fee Monthly service charge Online Bank Transfers for Business: Account link (bank to bank) Incoming Outgoing 10 $6 Online Bill Pay Service for Business: Service charge, up to 20 items monthly Service charge, each item over 20 monthly $0.35 per item Return Payments Fee 7 : $25 Returned due to: insufficient funds in account, closed account, authorization revoked, unauthorized debit, account frozen or incorrect account number Cashier s Check $5 Cashier s Check 6 / Money Order Replacement $30 (Formerly titled Erroneous Debit Card Transaction $25 per transaction Dispute) Debit Card Billing Dispute May be assessed only if it is determined that no billing error actually occurred and the dispute was not made in good-faith Lien Release Fee $15 Money Order: Up to $1,000 Notary Public Service Charge Travelers Cheques: With any Texans Checking Account All other accounts Safe Deposit Boxes: Annual rental fee 3 x 5 x 22 3 x 10 x 22 5 x 10 x 22 10 x 10 x 22 10 x 15 x 22 $3 per item $25 $40 $60 $100 $150 Refundable Key Deposit: $15 1% of purchase amount

Business Deposit Account Disclosure Important Notices: Fee Schedule 1 When you use a non-texans, non CO-OP or non-allpoint ATM, you may be charged a fee (sometimes known as a surcharge) by the ATM operator. Inquiries and Fund Transfers will still incur a fee. Additional foreign transaction fees charged by the Card Network may still apply on all transactions including those done at a CO-OP or an Allpoint ATM. 2 If a Texans Business Debit Card transaction occurs, an ACH transaction occurs, you write a check, you perform a transaction by any other electronic means, or you take other action that results in your Business Account becoming overdrawn, Texans may pay the item which exceeds the available balance in your Account up to $750, including fees. If at any time the limit has been reached, new attempted business debit card transactions will be declined. Additionally, check, ACH and pending or already-processed debit card transactions that exceed the limit will be returned unpaid and you will incur a charge for each Returned Item Due to Insufficient Funds (NSF fee). Accounts are subject to closure if a negative balance remains after 10 business days. Whether or not the overdraft will be paid is discretionary and Texans reserves the right not to pay. For example, Texans typically does not pay overdrafts if your account is not in good standing, you are not making regular deposits, or if you have too many overdrafts. Your account may become eligible for Courtesy Pay after the account has been open for a minimum of 30 days. 3 Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market and Share Accounts is six (6) per account. The limit of six (6) transactions includes withdrawals and/or transfers on a member s Share Account or Money Market Account made by check, draft, debit card, PC, Telephone Access Line, Online Banking, telephone or written instruction. Transactions made in person, by mail or at an ATM are not counted toward this limit. 4 Credit Approval required for a Texans Line-of-Credit. A joint owner on your checking account, who is not a joint owner on your Share (savings), Money Market, and/or co-borrower on your Texans Line-of-Credit, will have access to your Share (savings), Money Market, and/or Texans Line-of-Credit. Up to two accounts (Share, Money Market and/or Texans Line-of-Credit) may be selected for overdraft protection. Other checking accounts excluded as overdraft option. Texans Line-of-Credit is only available for sole proprietorships. 5 Fees for wire transfers and drafts may change at any time. Visit a branch or call us at the number on your statement for current fees. 6 The replacement of lost, stolen or destroyed Cashier s Checks prior to the expiration of 90 days from issuance will require the purchase of an indemnity bond. 7 Fee will be assessed against any Deposit account(s) held at Texans. This could impact your required minimum membership balance. You will be required to deposit additional funds to meet the minimum membership balance requirements. 8 Monthly Service Fee will be waived under the following circumstances; Texans Money Market - maintain a minimum daily balance of $2,500 in your Texans Money Market account Select Money Market and Performance Money Market - maintain a minimum daily balance of $10,000 in your applicable Money Market account 9 There is a penalty for withdrawing principal, in whole or in part, prior to the maturity date. The minimum amount of each principal withdrawal you may make prior to maturity is $1,000.00. The penalty on a 91 day Certificate will equal 30 days interest on the amount withdrawn. The penalty on a 182 day Certificate will equal 60 days interest on the amount withdrawn. The penalty on a Certificate with a term of 12 months or longer will equal 180 days interest on the amount withdrawn. 10 External transfers are limited to $2,000 per day or $5,000 per month per member. A transfer can take between 3-4 banking days to process. A transfer must be completed prior to a new transfer being scheduled. Only one transfer is allowed at a time. If back to back transfers are scheduled subsequent transfers will be cancelled. You are only allowed to make one transfer every 5 banking days.