A Guide to Your Account**

Deposit Account Disclosure Important Notices: Member Fee Schedule A Guide to Your Account** explain the additional banking services and fees for various 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 CO-OP 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 Transaction in US, ATM Withdrawal Service Charge and ATM Inquiry Fee 1 : Any inquiries, transfers, or withdrawals while using non-texans, non-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 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 Regular Share (savings), Money Market or Line of Credit account Uncollected Funds (UCF) Protection Transfer Fee (Overdraft Protection) (If you are enrolled): Texans transfers money from a Regular Share (savings), Money Market or Line of Credit 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 $5 per transfer Interest and fees will apply for transfers from your Texans personal line of credit. $5 per transfer Interest and fees will apply for transfers from your Texans personal line of credit. ** 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. Effective 3/7/2018

Deposit Account Disclosure Important Notices: Member Fee Schedule Deposit Services Fees3, 9, 10 Bagged Coin Fee: Loose coin over $25 or rolled coin over $100 (members under 18 are exempt from fee) Check Cashing for Non-Members: Only available for on us checks Check Copy Fee: All accounts Check Printing CD Early Withdrawal Fee or CD Partial Withdrawal Fee (additional penalties apply) 10 DocuSign document paper copy fee: 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): Requires signature endorsement (no stamps) Generally up to 6-8 week delay of funds Foreign Collection (Coll) Collected Credit (Cr) Fee ($200 or greater): Requires signature endorsement (no stamps) Generally up to 6-8 week delay of funds 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 9 $5 or 5% (whichever is greater) $5 per item $3 per check or free in online banking Prices may vary depending on style My Texans Interest Checking accounts receive reimbursement for one box of Texans Credit Union custom checks per year. Harland Clarke is the approved check provider. $25 - Early or partial withdrawal except for required minimum distributions on IRAs $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 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) $55 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) $6 per month of inactivity $100 per occurrence ($100 minimum) $5 per month My Texans Checking $10 per month My Texans Interest Checking, Texans Money Market, Select Money Market and Performance Money Market $2 per statement Paper Statement Fee: Applicable to all checking accounts 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 : Regular and Travel Share (includes $avar Account) and Money Market accounts Single Service Fee: Regular Share accounts Statement Print Service Charge: Statements, images, computer printouts, etc. Stop Payment Fee: Initial request or renewal of existing request 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 $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 monthly fee (can be avoided if average of $100 OR another Texans account is maintained) $3 per item $30 per request, per item $5 per four checks (four-check minimum) $3.95 per card $5.95 per card, plus custom charges include shipping (only available online) Effective 3/7/2018

Deposit Account Disclosure Important Notices: Member Fee Schedule Wire Transfers Fees 5 Wire Transfers Fees 5 (cont d) Research Services Fees Electronic Services Fees 8, 11 Domestic and Foreign Incoming Wire Fee: 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 US bank Foreign (INTL Wire) - A wire transfer that you send from your account to a bank account outside the US International Tracers, Amendments, Reversal Requests Account Research and Reconciliation Immigration Letter Verification of Deposit Letter: (Does not apply to CU Member Mortgages) Current Balance Letter Fee 24-Hour Account Access Line: (Touchtone telephone) Insufficient Funds Fee Paid Item: Including Courtesy Pay Online Banking: Setup fee Monthly service charge Online Bank Transfers: Account link (bank to bank) Incoming Outgoing 11 Online Bill Pay Service: Monthly service charge (all accounts) Pre-Authorized One-Time Payments: Telephone, IVR, and Web Center Payments Return Payments Fee (includes One-Time Payments): Returned due to: insufficient funds in account, closed account, authorization revoked, unauthorized debit, account frozen or incorrect account number 8 $10 Fee disclosed at the time of transaction Fee varies with a maximum charge of $100, per request $20 per hour ($20 minimum) $36 per letter $10 per letter $10 per letter $35 $6 Miscellaneous Cashier s Checks $5 Services Fees 6 Cashier s Checks 6 / Money Order Replacement $30 Safe Deposit Boxes Fees Safe deposit boxes subject to availability. Select locations only. Credit Card Replacement: Expedited domestic and international shipping (Formerly titled Erroneous Debit Card 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 varies $25 $25 Lien Release Fee, non-mortgage loans Lien Release Fee, mortgage loans Money Orders $3 $25 per transaction $15 $25 Payment Extension Fee $35 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 $25 $40 $60 $100 $150 Refundable Key Deposit $15 1% of purchase amount Effective 3/7/2018

Deposit Account Disclosure Important Notices: Member 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 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 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 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. 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 may require the purchase of an indemnity bond. 7 Reserved. 8 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. 9 Monthly Service Fee will be waived under the following circumstances; My Texans Checking enroll in e-statements OR set up a monthly direct deposit into your My Texans Checking account. My Texans Interest Checking maintain a minimum of $2,500 in your My Texans Interest Checking account Texans Money Market - maintain a minimum of $2,500 in your Texans Money Market account Select Money Market and Performance Money Market - maintain a minimum of $10,000 in your applicable Money Market account 10 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. If you are over age 70 1/2, we will allow you to make premature full or partial IRA Certificate withdrawals (can be less than $1,000) without penalty or service charge if the withdrawal is a required minimum distribution from the IRA to you. 11 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. Effective 3/7/2018

Deposit Account Disclosure Important Notices A Guide to Your Certificate of Deposit** explain the additional banking services and fees for your Certificate(s) of Deposit. Monthly Service Fee Regular Certificate of Deposit (includes IRA and CESA) Jumbo Certificate of Deposit (includes IRA and CESA) Minimum Deposit to Open $1,000 $100,000 Interest Fixed Fixed Early Withdrawal / Partial Withdrawal Penalties CD Early Withdrawal Fee/ CD Partial Withdrawal Fee Minimum Balance to Maintain Account Additional Information 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 Exception: If over age 70 ½ for required minimum distributions on IRAs, no penalty is assessed. $25 service charge when: Early withdrawal Partial withdrawal Exception: If over age 70 ½ for required minimum distributions on IRAs, no service charge is assessed. $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 deposits can be made to CDs and Retirement 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. Effective 1/1/2017

Deposit Account Disclosure Important Notices A Guide to Your Share Account** explain the additional banking services and fees for your Share Account(s). Regular Share (includes $avar Account) Travel Share IRA Share CESA Share Monthly Service Fee Single Service Fee $5 Not applicable Not applicable Not applicable How to Avoid the Single Service Fee (waived for new memberships of six months or less OR if primary accountholder is under the age of 25 or older than 64) Minimum Deposit to Open Dividends Minimum Balance to Earn Dividends Savings Withdrawal Limit Fee Additional Requirements Maintain an average of $100 OR maintain another Texans account Not applicable Not applicable Not applicable $5 $25 $50 $50 Variable based on Variable, based on Variable, based on Variable, based on $25 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. Not applicable Not applicable Must maintain a Not applicable Not applicable Not applicable minimum daily balance of $5 in your account. If you fail to maintain minimum daily balance, your account may be subject to closure. * 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 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. Effective 1/1/2017

Deposit Account Disclosure Important Notices A Guide to Your Checking Account** explain the additional banking services and fees for your Checking Account(s). My Texans Checking My Texans Interest Checking Monthly Service Fee $5 $10 How to Avoid the Monthly Service Fee Minimum Deposit to Open Enroll in e-statements 1 OR Set up a monthly direct deposit into the checking account (waived for all new accounts in month account is opened OR if primary accountholder is under the age of 18) Maintain a minimum of $2500 (waived for all new accounts in month account is opened) $50 $50 Dividends Variable, based on Minimum Balance to Earn Dividends Not applicable $2,500 1 Email address must be valid. Member must ensure Texans has a current email address. A $2 paper statement fee will apply when email address is invalid. Update your email address online within the e-statement portal (log into online banking > Additional Services > e-statements & More). ** 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. Effective 1/28/16

Deposit Account Disclosure Important Notices A Guide to Your Personal Money Market Account** explain the additional banking services and fees for your Personal Money Market Account(s). Texans 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 of $2,500 Maintain a minimum of $10,000 Maintain a minimum of $10,000 Maintain a minimum of $10,000 Minimum Deposit to Open 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 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 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. Effective 3/24/2014