04/01/2017

SRP FEDERAL CREDIT UNION 1070 Edgefield Road P.O. Box 6730 North Augusta, SC 29861 (800) 237-9829   IMPORTANT CREDIT CARD DISCLOSURES   The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 04/01/2017 . You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730,   North Augusta, SC 29861 to inquire if any changes occurred since the effective date.   INTEREST RATES and INTEREST CHARGES:   Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers   VISA PLATINUM NO VISA PLATINUM visa cLassic| VISA CLASSIC 7.00% - 15.00% | 9.00% - 18.00% 13.90% 13.90% depending on your credit history. This APR will vary with the market based on the Prime Rate. depending on your credit history. This APR will vary with the market based on the Prime Rate.         Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.   Minimum Interest Charge None   For Credit Card Tips from the Consumer Financial Protection Bureau Tolearn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau's web site at http:/Awww.consumerfinance.gov/learnmore. .     FEES:   Fees to Open or Maintain your Account   - Foreign Transaction: - Annual Fee: None - Application Fee: None Transaction Fees - Balance Transfer: None ~ Cash Advance: None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion   Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment:     Up to $15.00 if your payment is late 15 days or more None Up to $10.00 if your payment is returned for any reason     How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” 9013 LASER FPDF Fi14832 Rev 3-2016 page 1 of 3 COPYRIGHT 2005 Securian Financial Group, inc. All rights reserved.S RP 1070 Edgefield Road CREDIT CARD APPLICATION P.O. Box 6730 } North Augusta, SC 29861 FEDERAL CREDIT UNION (800) 237-9829   Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit. CO Individual Credit: Complete Applicant sections if only the applicant's income is considered for loan approval. Complete Applicant and Co-Applicant sections: (1) if you are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of credit requested; (2) if you reside in a Community Property State; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) if you are an Alaska resident subject to a community property agreement or community property trust. Community Property States include: AZ, CA, ID, LA, NM, NV, TX, WA, WI.         oO Joint Credit: Complete Applicant and Co-Applicant sections if your co-applicant will be contractually liable for repayment of the loan and initial below: We intend to apply for joint credit. (Applicant Initials) (Co-Applicant Initials) PLEASE CHECK BELOW TO INDICATE THE TYPE OF ACCOUNT(S) AND TYPE OF CREDIT FOR WHICH YOU ARE APPLYING. Credit Cards: [[] Individual [[] Joint Number of Cards LU Visa Platinum No Frills Amount Requested $ CD Visa Platinum Awards If Authorized user, name: C1 visa Classic   ( visa Classic Secured SEE PAGE 1 FOR IMPORTANT INFORMATION ABOUT CREDIT CARDS                                                                 APPLICANT [_] CO-APPLICANT [_] NON-APPLICANT SPOUSE/OTHER _["] GUARANTOR NAME (Last - First - Initial) ACCOUNT NUMBER NAME (Last - First - initial) ACCOUNT NUMBER SOCIAL SECURITY NUMBER MOTHER'S MAIDEN NAME SOCIAL SECURITY NUMBER MOTHER'S MAIDEN NAME E-MAIL ADDRESS FAX NUMBER E-MAIL ADDRESS FAX NUMBER BIRTH DATE HOME PHONE BUSINESS PHONE/EXT. BIRTH DATE HOME PHONE BUSINESS PHONE/EXT. DRIVER'S LICENSE NUMBER STATE DRIVER'S LICENSE NUMBER STATE PRESENT ADDRESS (Street - City - State - Zip) Clow [rent PRESENT ADDRESS (Street - City - State - Zip) Clow [rent YEARS/MONTHS YEARS/MONTHS AT THIS ADDRESS AT THIS ADDRESS PREVIOUS ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) PURCHASE PRICE OF HOME: PRESENT HOME VALUE: PURCHASE PRICE OF HOME: PRESENT HOME VALUE: $ $ $ $ MORTGAGE BALANCE MONTHLY PAYMENT (MORTGAGE/RENT) MORTGAGE BALANCE MONTHLY PAYMENT (MORTGAGE/RENT) $ $ $ $ PLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT,ORIF | PLEASE COMPLETE ONLY iF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE. YOU LIVE INA COMMUNITY PROPERTY STATE. [] Married [7] SEPARATED [L] unmarrien (Single - Divorced - Widowed) [J marrico [[] SEPARATED — [_] UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT NAME AND ADDRESS OF EMPLOYER NAME AND ADDRESS OF EMPLOYER HIRE DATE POSITION HIRE DATE POSITION PRIOR EMPLOYER PRIOR EMPLOYER INCOME OTHER INCOME NOTICE: Alimony, child support, or separate maintenance OTHER INCOME NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered. income need not be revealed if you do not choose to have it considered. INCOME INCOME $ PER $ PER REFERENCES NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU | HOME NUMBER NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU | HOME NUMBER RELATIONSHIP RELATIONSHIP         ¢ page 2 of 3  OTHER INFORMATION ABOUT YOU - IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN #1, EXPLAIN ONAN ATTACHED SHEET. APPLICANT | OTHER 4. ARE YOUAULS. CITIZEN OR PERMANENT RESIDENT ALIEN?     2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT? 3. IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS?     4. ARE YOUACO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE? FOR WHOM (Name of Others Obligated on Loan): TO WHOM (Name of Creditor):         STATE NOTICES OHIO RESIDENTS ONLY: 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 administers compliance with this law. WISCONSIN RESIDENTS ONLY: Marital Status: [[] Married (] Unmarried [-] Legally Separated If married: the name of my spouse is Spouse's SSN: C] Spouse's Address (if different)         Notice: No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 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, or has actual knowledge of its terms, before the credit is granted or the account is opened. MARRIED WISCONSIN RESIDENTS APPLYING FOR AN INDIVIDUAL ACCOUNT: By signing here, | state that the credit being applied for, if granted, will be incurred in the interest of the marriage or family of the Borrower(s). x     SECURITY INTEREST     THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS APPLICATION. IF YOUR APPLICATION IS APPROVED, YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT,WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest. If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.   (Applicant Initials) (Co-Applicant Initials)         LOAN APPLICATION SIGNATURES   PLEASE READ BEFORE SIGNING: All the information in this application is true. | understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on this application. You have my permission to check it. You may retain this application even if not approved. | understand that you may receive information from others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If this application is approved, | agree to honor the provisions of the credit card agreement covering my account. (If this application is for two or more of us, this statement applies to all of us.) Consumer and Credit Report Authorization. By signing this Application, | authorize you to obtain my consumer and/or credit report for the purposes of evaluating this application and to obtain subsequent credit reports on an on-going basis in connection with this transaction, and for all other legitimate purposes, such as reviewing my accounts or taking collection action on the account. | authorize you to receive and review other information about me, such as my employment and income information, from third-parties or consumer reporting agencies. Vermont Residents: Applicant provided consent via phone (Credit Union Initials) Permission to contact: By providing a wireless telephone number (i.e., cell phone), | consent to receiving calls, including autodialed and prerecorded message Calls, from the credit union or its third party debt collector at that number. IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for me: When | open an account, you will ask for my name, address, date of birth, and other information that will allow you to identify me. You may also ask fo see my driver's license or other identifying information.   SIGNATURE OF APPLICANT DATE SIGNATURE OF CO-APPLICANT DATE xX X HAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.           page 3 of 3