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Field of Membership
THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE HAVING

THE FIELD OF MEMBERSHIP SHALL BE LIMITED TO THOSE HAVING
THE FOLLOWING COMMON BOND:

1.     Employees of American Telephone and Telegraph and its subsidiaries AT&T

Communications, AT&T Information Services, AT&T Technologies and
AT&T Western Electric, and Southwestern Bell Telephone Company who
work in the Abilene district.

2.     Members of the Pioneer Club in the Abilene District.                                               

3.     Employees of the following entities who work in or are paid from Abilene, Texas:

        A.   Milford Engineering, Inc.

        B.   Abilene Map Company

C.    Action Telecommunications Co/GST Action Telcom/NTS Communications                                                                

D.    SM&P Utility Resources

E.     Current Membership

      4.   Regular members of union locals who qualify for membership in accordance
           
with their constitutions and bylaws as of the date of this amendment, and
            who are within the jurisdiction of the Abilene, Texas Building and
            Construction Trades Council in Abilene, Texas; employees of the above
            council and its member locals.

      5.   Spouses of persons who died while within the field of membership of this
           
credit union.

      6.   Employees of Western Wireless Corporation d/b/a/ CellularONE who work
             in
Abilene, Texas 

      7.   Employees of this credit union.

      8.   Persons retired as pensioners or annuitants from the above employment.

      9.   Members of their immediate families and organizations of such persons.

    10.   Members of their families include relatives, by blood or marriage, regardless
  
         of residence, and any member of a primary members household. (verification
  
         of applicants to be made with primary member)

    11.   Members of the American Federation of State, County, and Municipal
            Employees, Local 3963 in Abilene, Texas, except for those who are
   
         eligible for primary membership in another credit union by virtue of their
           
employment, limited to a maximum of 2,500 members.

    12.  Members of their immediate families and organizations of such persons.

    13.   Persons who live, work, worship, or attend school in, and businesses and other
           
legal entities located the underserved area of Abilene, Texas as described by the
   
         following boundaries: 

              Beginning at the intersection of U.S. Highway 83 and Interstate 20, east

              along Interstate 20 to Loop 322, then south along Loop 322 to its

              intersection with North 10th Street, then west along North 10th Street to

              its intersection with the Chicago Burlington & Quincy Railroad tracks

              (near Almond Street), then south along the Chicago Burlington & Quincy

              Railroad tracks to its intersection with the Texas & Pacific Railroad tracks

              (near South 1st Street), then west along the Texas & Pacific Railroad

              tracks to its intersection with U.S. Highway 83, then north along U.S.

              Highway 83 to its intersection with Interstate 20.

 

            Subject to the conditions herein contained, a member who ceases to be within the
            field of membership of this credit union may retain membership therein and may
            borrow in excess of their share holdings.

            Once a member always a member until the account is closed.

            Abilene Telco FCU may deny services to any member who causes a loss of
            funds in any form to the credit union. 

           The share account of a deceased member, other than one held in joint tenancy
            with another member, may be continued until the close of the dividend period
            in which the administration of the deceased estate is completed, but not to
           
exceed a period of four years.


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