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APPLICATIONCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)2. your spouse will use the account, or3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separatemaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Applicant is spouse of the Applicant, mark the ding ATM/Debit card access to the account if available)If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign Amount Requested Purpose/Collateral:Credit Limit Requested If Authorized User, Name:PAYMENT PROTECTIONAre you interested in having your loan protected?YESNOIf you answer "yes", the credit union will disclose the cost to protect your loan. The protection is voluntary and does not affect your loan approval. Inorder for your loan to be covered, you will need to sign a separate application that explains the terms and conditions.APPLICANTOTHERNAME (Last - First - Initial)NAME (Last - First - Initial)CO-APPLICANTSPOUSEGUARANTOROTHERACCOUNT NUMBERSOCIAL SECURITY NUMBER/INDIVIDUAL TAX ID NUMBERACCOUNT NUMBERSOCIAL SECURITY NUMBER/INDIVIDUAL TAX ID NUMBERBIRTH DATEEMAIL ADDRESSBIRTH DATEEMAIL ADDRESSHOME PHONECELL PHONEBUSINESS PHONE/EXT.DRIVER’S LICENSE NUMBER/STATEHOME PHONECELL PHONEBUSINESS PHONE/EXT.DRIVER’S LICENSE NUMBER/STATEPRESENT ADDRESS (Street – City – State – Zip)OWNRENTPRESENT ADDRESS (Street – City – State – Zip)OWNLENGTH AT RESIDENCEPREVIOUS ADDRESS (Street – City – State – Zip)OWNRENTLENGTH AT RESIDENCEPREVIOUS ADDRESS (Street – City – State – Zip)OWNLENGTH AT RESIDENCEMORTGAGE/RENT OWED TOMONTHLY PAYMENT INTEREST RATE%COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITYPROPERTY STATE:SEPARATEDEMPLOYMENT/INCOMEEMPLOYMENT STATUSRENTLENGTH AT RESIDENCEMORTGAGE/RENT OWED TOMORTGAGE BALANCEMARRIEDRENTFULL TIMEMORTGAGE BALANCEMONTHLY PAYMENT MARRIEDSEPARATEDEMPLOYMENT/INCOMESTART DATE%COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITYPROPERTY STATE:UNMARRIED (Single - Divorced - Widowed)PART TIMEINTEREST RATEEMPLOYMENT STATUSFULL TIMEUNMARRIED (Single - Divorced - Widowed)START DATEPART TIMENAME AND ADDRESS OF EMPLOYERNAME AND ADDRESS OF EMPLOYERNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOTBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOTBE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.EMPLOYMENT INCOME PEROTHER INCOMEEMPLOYMENT INCOME PEROTHER INCOME TITLE/GRADESOURCETITLE/GRADESOURCEPERPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS CUNA Mutual Group 2016 All Rights ReservedPERPREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS00302494-AXX00-C-2-031021 (AXX002-E)

STARTING DATEENDING DATEMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?WHERESTARTING DATEYESNOENDING/SEPARATION DATEENDING DATEMILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?WHEREYESNOENDING/SEPARATION DATESTATE LAW NOTICE(S)Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from anymisunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financialaccommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution forany or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, mustbe in writing to be effective.Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administerscompliance with this law.Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree underSection 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, orhas actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loanwith your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.Signature for Wisconsin Residents OnlyDateX(Seal)SIGNATURESBy signing or otherwise authenticating below:You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you willnotify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update,increase, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you mayqualify. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request,the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully anddeliberately provide incomplete or incorrect information in this application.Applicant’s SignatureDateOther 21 (AXX002-E)

MONTHLY PREMIUMCREDIT INSURANCE APPLICATIONAND CERTIFICATE (PART A)SCHEDULE OF CREDIT INSURANCECredit Union/Primary BeneficiaryGroup Policy Contract No.Arkansas Best Federal Credit Union003-0249-4Borrower 1 Name and AddressEmail AddressBirth DateBorrower 2 Name and AddressEmail AddressBirth DateAccount No./Loan No.Closed-EndSecondary BeneficiaryEstimated Insurance ChargeTerm of LoanLifeIf the Term of Loan is longer than the Maximum Term of Insurance, this insurancewill not cover the entire term of Your Loan. Disability Open-EndmonthsRate(s) per 1000 of Your monthly Loan balanceSingle Life 0.80Joint Life 1.40Single Disability 2.02Insurance Applied ForJoint Disability 3.43Applicable MaximumsLife InsuranceWho do You want covered by life insurance?Check only one:Maximum Monthly Disability BenefitLifeDisabilityN/A 600.00 30,000.00 30,000.00Only borrower 1 (single)Both borrowers (joint)Total Benefit MaximumOnly borrower 2 (single)Neither borrowerMaximum Issue Age7066Termination Age7066Maximum Eligible Loan Term* (in months) UnlimitedUnlimitedMaximum Term of Insurance * (in months) UnlimitedUnlimitedDisability InsuranceWho do You want covered by disability insurance?Check only one:Only borrower 1 (single)Both borrowers (joint)Only borrower 2 (single)Neither borrowerWaiting Period30 days*Closed-End OnlyBenefits BeginRetroactiveCI-MP-SCH-OECE-S2ELIGIBILITY REQUIREMENTS: You are eligible for this insurance if You have not attained the Maximum Issue Age provided inthe Schedule as of the date You sign this application and You satisfactorily answer any applicable question(s). Additionally, Youare eligible for this insurance only if You are a natural person that is liable for the Loan as a borrower. A guarantor or co-signor onthe Loan or a business entity or association is not eligible for this insurance.CI-MP-BAPP-OECE-S4 AR CUNA Mutual Group 2011 All Rights ReservedCREDIT UNION COPY(continued)IARA01-e 032321003-0249-4

Please follow the directions provided for the Question(s) and check the appropriate box(es):Actively at Work Question - Only answer this Question if: You are applying for disability insurance.Are You actively at work, for wages or profit, for 25 hours or more per week on thedate You sign this application?You will be considered to have met this requirement if You are absent from workdue to temporary layoff, strike or vacation but will soon return to work.Borrower 1YesNoBorrower 2YesNoIf You answered "No" to the Actively at Work Question, You are not eligible for disability insurance.EVIDENCE OF INSURABILITY QUESTION(S)Health Question 1 - Only answer this Question if: You are applying for life or disability insurance more than 30 days after the date of the Loan/Advance.In the past 3 year(s), have You been treated for, or told by a licensed physician thatYou have or had cancer, heart disease, a stroke, diabetes, lung disorder, kidneyfailure, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Related Complex?Borrower 1YesNoBorrower 2YesNoIf You answered "Yes" to Health Question 1, You are not eligible for life or disability insurance.Health Question 2 - Only answer this Question if: You are applying for disability insurance more than 30 days after the date of the Loan/Advance.In the past 3 year(s), have You been treated by a licensed physician for alcohol ordrug use, a back disorder, or any mental or nervous disorder?Borrower 1NoYesBorrower 2YesNoIf You answered "Yes" to Health Question 2, You are not eligible for disability insurance.NOTICES TO BORROWER: Credit insurance is voluntary and not required to obtain Your Loan. You may purchase insurance from any insurerYou choose. If You have other insurance, You may not want or need this coverage. You can cancel this insurance at any time for any reason by written request, and if You cancel within 30 days afterYou receive both Part A and Part B of the certificate, You will receive a full return of insurance charges paid. This insurance contains certain terms and exclusions, including a Pre-Existing Condition exclusion, as explained inboth Part A and Part B of the certificate. The coverage and benefits available under this insurance are limited by the Applicable Maximums as shown in theSchedule and explained in both Part A and Part B of the certificate, so this insurance may not provide enoughbenefits to cover the amount You owe. If Your Loan includes a balloon payment (a payment that is larger than the other scheduled payments and isscheduled to be paid at the end of the Loan), that payment is not covered under Your disability insurance. In addition to the terms and conditions provided on this application, this insurance is subject to the terms and conditionscontained within the group policy, which are explained in both Part A and Part B of the certificate. There is a charge for this insurance. The rate You are charged for this insurance is subject to change. You are responsible forpaying the insurance charge no later than when Your Loan payment is due. If the insurance charge is added to Your Loanbalance, it will be subject to finance charges at the interest rate applicable to Your Loan.Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presentsfalse information in an application for insurance is guilty of a crime and may be subject to fines and confinement inprison.If You are electing insurance, Your signature means: You agree to pay and You authorize the Credit Union to remit theinsurance charge to Us; You have read and understand the notices provided above; all of the information provided in theapplication is true and correct; You meet the eligibility requirements shown above; and You have received both Part A and Part Bof the certificate.Be sure that the insurance applied for on the Schedule reflects the coverage You want before You sign. If You have notelected coverage, signing below means that You recognize that You will have no credit insurance for this Loan/Advance.Borrower 1 SignatureXDateBorrower 2 SignatureDateXCI-MP-BAPP-OECE-S4 AR CUNA Mutual Group 2011 All Rights ReservedCREDIT UNION COPYIARA01-e 032321003-0249-4

MONTHLY PREMIUMCREDIT INSURANCE APPLICATIONAND CERTIFICATE (PART A)SCHEDULE OF CREDIT INSURANCECredit Union/Primary BeneficiaryGroup Policy Contract No.Arkansas Best Federal Credit Union003-0249-4Borrower 1 Name and AddressEmail AddressBirth DateBorrower 2 Name and AddressEmail AddressBirth DateAccount No./Loan No.Closed-EndSecondary BeneficiaryEstimated Insurance ChargeTerm of LoanLifeIf the Term of Loan is longer than the Maximum Term of Insurance, this insurancewill not cover the entire term of Your Loan. Disability Open-EndmonthsRate(s) per 1000 of Your monthly Loan balanceSingle Life 0.80Joint Life 1.40Single Disability 2.02Insurance Applied ForJoint Disability 3.43Applicable MaximumsLife InsuranceWho do You want covered by life insurance?Check only one:Maximum Monthly Disability BenefitLifeDisabilityN/A 600.00 30,000.00 30,000.00Only borrower 1 (single)Both borrowers (joint)Total Benefit MaximumOnly borrower 2 (single)Neither borrowerMaximum Issue Age7066Termination Age7066Maximum Eligible Loan Term* (in months) UnlimitedUnlimitedMaximum Term of Insurance * (in months) UnlimitedUnlimitedDisability InsuranceWho do You want covered by disability insurance?Check only one:Only borrower 1 (single)Both borrowers (joint)Only borrower 2 (single)Neither borrowerWaiting Period30 days*Closed-End OnlyBenefits BeginRetroactiveCI-MP-SCH-OECE-S2ELIGIBILITY REQUIREMENTS: You are eligible for this insurance if You have not attained the Maximum Issue Age provided inthe Schedule as of the date You sign this application and You satisfactorily answer any applicable question(s). Additionally, Youare eligible for this insurance only if You are a natural person that is liable for the Loan as a borrower. A guarantor or co-signor onthe Loan or a business entity or association is not eligible for this insurance.CI-MP-BAPP-OECE-S4 AR CUNA Mutual Group 2011 All Rights ReservedBORROWER COPY(continued)IARA01-e 032321003-0249-4

Please follow the directions provided for the Question(s) and check the appropriate box(es):Actively at Work Question - Only answer this Question if: You are applying for disability insurance.Are You actively at work, for wages or profit, for 25 hours or more per week on thedate You sign this application?You will be considered to have met this requirement if You are absent from workdue to temporary layoff, strike or vacation but will soon return to work.Borrower 1YesNoBorrower 2YesNoIf You answered "No" to the Actively at Work Question, You are not eligible for disability insurance.EVIDENCE OF INSURABILITY QUESTION(S)Health Question 1 - Only answer this Question if: You are applying for life or disability insurance more than 30 days after the date of the Loan/Advance.In the past 3 year(s), have You been treated for, or told by a licensed physician thatYou have or had cancer, heart disease, a stroke, diabetes, lung disorder, kidneyfailure, Acquired Immune Deficiency Syndrome (AIDS), or AIDS Related Complex?Borrower 1YesNoBorrower 2YesNoIf You answered "Yes" to Health Question 1, You are not eligible for life or disability insurance.Health Question 2 - Only answer this Question if: You are applying for disability insurance more than 30 days after the date of the Loan/Advance.In the past 3 year(s), have You been treated by a licensed physician for alcohol ordrug use, a back disorder, or any mental or nervous disorder?Borrower 1NoYesBorrower 2YesNoIf You answered "Yes" to Health Question 2, You are not eligible for disability insurance.NOTICES TO BORROWER: Credit insurance is voluntary and not required to obtain Your Loan. You may purchase insurance from any insurerYou choose. If You have other insurance, You may not want or need this coverage. You can cancel this insurance at any time for any reason by written request, and if You cancel within 30 days afterYou receive both Part A and Part B of the certificate, You will receive a full return of insurance charges paid. This insurance contains certain terms and exclusions, including a Pre-Existing Condition exclusion, as explained inboth Part A and Part B of the certificate. The coverage and benefits available under this insurance are limited by the Applicable Maximums as shown in theSchedule and explained in both Part A and Part B of the certificate, so this insurance may not provide enoughbenefits to cover the amount You owe. If Your Loan includes a balloon payment (a payment that is larger than the other scheduled payments and isscheduled to be paid at the end of the Loan), that payment is not covered under Your disability insurance. In addition to the terms and conditions provided on this application, this insurance is subject to the terms and conditionscontained within the group policy, which are explained in both Part A and Part B of the certificate. There is a charge for this insurance. The rate You are charged for this insurance is subject to change. You are responsible forpaying the insurance charge no later than when Your Loan payment is due. If the insurance charge is added to Your Loanbalance, it will be subject to finance charges at the interest rate applicable to Your Loan.Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presentsfalse information in an application for insurance is guilty of a crime and may be subject to fines and confinement inprison.If You are electing insurance, Your signature means: You agree to pay and You authorize the Credit Union to remit theinsurance charge to Us; You have read and understand the notices provided above; all of the information provided in theapplication is true and correct; You meet the eligibility requirements shown above; and You have received both Part A and Part Bof the certificate.Be sure that the insurance applied for on the Schedule reflects the coverage You want before You sign. If You have notelected coverage, signing below means that You recognize that You will have no credit insurance for this Loan/Advance.Borrower 1 SignatureXDateBorrower 2 SignatureDateXCI-MP-BAPP-OECE-S4 AR CUNA Mutual Group 2011 All Rights ReservedBORROWER COPYIARA01-e 032321003-0249-4

MONTHLY PREMIUMCREDIT INSURANCE CERTIFICATE(PART B)Borrower 1 NameAccount No./Loan No.Borrower 2 NameThis certificate explains the terms and conditions of coverage for credit life insurance ("life insurance") and credit disabilityinsurance ("disability insurance") as provided in the group credit insurance policy ("group policy") issued to the Credit Union, whichis available for Your review at the Credit Union's main office location. This certificate is subject to that group policy in everyrespect. If You meet the eligibility requirements provided on the Credit Insurance Application and Certificate (Part A), You applyfor this insurance, and You agree to pay the insurance charges, You are insured for the coverage marked in the Schedule, subjectto the terms of the group policy and this certificate. This certificate does not provide coverage for You unless You are insured.Words that are capitalized in this certificate are either defined terms that always have the meanings explained in the CreditInsurance Application and Certificate (Part A) or the Definitions section below or they are references to terms provided in theSchedule and have the meanings or values stated in the Schedule.GENERAL PROVISIONSWhat is the insurance contract? The group policy issued to the Credit Union, the application on which it is based, Yourindividual application, Your certificate, the Schedule, and any endorsements, riders a