Customer Credit Application

AUTHORIZATION TO RELEASE APPLICANT CREDIT INFORMATION Applicant hereby authorizes and instructs any person, bank or financial institution, consumer reporting agency or credit rating service to release to CREDITOR at any and all times upon request by CREDITOR any and all information that may be required for the purpose of a credit transaction. The current information is requested for the use in connection with a bona fide ''permissible purpose'' as defined in Section 54 of Public Law 91-508 and any lawful or permissible purpose allowed by the Fair Credit Reporting Act. A photocopy of this authorization shall be equivalent of the original and may be used as such. The undersigned hereby authorize CREDITOR to rely upon a facsimile copy of the signature. Applicant agrees to pay to CREDITOR interest at the rate of 18 percent per annum on any and all net amounts past due. For purposes hereunder past due shall mean any amount which is not paid within the period allowed by CREDITOR in accordance with the credit terms established by CREDITOR with Applicant, which may change from time to time. Applicant agrees that if CREDITOR institutes action to recover money on account of credit extended, that CREDITOR will be entitled to recover from Applicant, any and all costs of collection, including a reasonable attorney's fee. Applicant further agrees that this application is subject to and governed by the laws of the State of Texas and agrees to the jurisdictions and venue of Texas courts located in San Antonio, Bexar County, Texas should any collection action on Applicant's account be instituted.