SECURED CREDIT CARD APPLICATION 
  
  
  
            Secured Platinum Rewards MasterCard 
            Earn points each time you use our Secured Platinum Rewards MasterCard. You can redeem those points for cash, travel, merchandise, 
            event  tickets and much more. You�ll earn at least one point for each dollar of purchase, or considerably more if shopping with a 
            merchant on  our Rewards Plus list. And don�t forget the 1,000 bonus points you get with your first purchase. It also features an 
            introductory rate as low as 0%  APR and no balance transfer fees.  Visit  www.selectyourrewards.com/UICCU and select �browse 
            only� for details. 
  
  
     Credit line requested $  ($500 minimum) 
  
     Applicant information (Please print clearly. All information is required to process.) 
     Are you a citizen or permanent resident of the United States?  ?Yes   ?No 
  
  
     Name  (as you wish it to appear on the card)    Date of Birth    Social Security #    Mother�s Maiden Name 
                                    
                                                             _       U   
     Street Ad  dress               How Long at Address  Home Phone 
     City           State          ZIP            Cell Phone     Email Address 
  
                                                                  Do You ? Own ? Rent 
      Employer                      Date Employed  Work Phone     Payment $   
  
     $                   $   
     Gross Annual Income  Other Gross Annual Income (Alimony, child support, or separate maintenance income need not be revealed if you 
                         do not wish to have it considered as a basis for repaying the obligation). 
     Name:                       City/State:                 Phone Number   _ 
     Name:                       City/State:                 Phone Number     
               REQUIRED: Please list the information of the nearest relatives not living with you. 
  
     Co-applicant information (Please print clearly.) 
  
  
     Name  (as you wish it to appear on the card)    Date of Birth    Social Security #    Mother�s Maiden Name 
                                                                  
                                                             _       
     Street Add ress                How Long at Address    Home Phone    UICCU Member Number 
     City           State           ZIP            Cell Phone     Email Address 
                                                   
                                                               
                                                                  Do You ? Own ? Rent 
     Employer                       Date Employed  Work Phone    Payment $   
     $                   $   
     Gross Annual Income  Other Gross Annual Income (Alimony, child support, or separate maintenance income need not be revealed if you 
                         do not wish to have it considered as a basis for repaying the obligation). 
     
                            Interest Rates and Interest Charges 
              
             Introductory Annual 
             Percentage Rate (APR) for  A fixed Introductory rate of 0%-11.9%* shall apply for the first six months. Thereafter, the 
             Purchases, Balance  APR for all outstanding indebtedness and new balances relating to purchase transactions  shall be 
             Transfers and Cash  at the rate listed below. 
             Advances 
              
              
                           11.9 � 18.9%* 
             APR for purchases, Balance  Non- Variable Rate 
             Transfers and Cash  *Your APR is dependent on your Credit Worthiness 
             Advances 
             How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
             Interest on Purchases  any interest on purchases if you pay your entire balance  by the due date each month. We will 
                           begin charging interest on cash advances and balance transfers on the transaction date. 
                           None 
             Minimum Finance Charge 
             For Credit Card Tips from 
                           To learn more about factors to consider when applying for or using a credit card, visit 
             the Consumer Financial 
                           the website of the Consumer Financial Protection  Bureau at 
             Protection Bureau 
                           www.consumerfinance.gov/learnmore.  
             Fees 
             Annual Fee    None 
                             
             Transaction Fees   
                             
             1.  Internal Balance  1.  None 
                Transfer Fees  2.  None 
             2.  External  3.  None 
                Balance    4.  Either $5, or 3% of the amount of each cash advance, whichever is greater 
                Transfers  5.  1% of each foreign transaction in U.S. dollars 
                Fees 
             3.  Convenience Check Fees 
             4.  Cash Advance Fees 
             5.  Foreign Transaction Fees 
             Penalty Fees     
                           �  Up to $15 
             �  Late Payment Fee 
                           �  None 
             �  Over-the-Credit Limit Fee 
                           �  Up to $25 
             �  Returned Check Fee 
             Other Fees & Charges  Card Replacement Fee (for any reason): $10.00 
        �  How We Will Calculate Your Interest: We use a method called �average daily balance (including new purchases).� See your cardholder agreement for more details. 
        �  Payments: The minimum monthly payment is 2% of the new balance, or $25.00, whichever is greater. If the unpaid interest and fees on the account are greater than the 
           minimum monthly payment, the minimum monthly payment will become that amount. Any amount that is past due or prior minimum payments that were not made will also be 
          added to the minimum monthly payment amount. 
        �  Loss of Introductory APR: You will lose your Introductory APR if your account becomes delinquent or over the limit. 
        �  This information is accurate as of 9/01/2015. 
     
     PLEDGE OF SHARES.  You grant us a security interest in any of your share accounts with us to secure payment of your Account.  You authorize us to apply any funds in your 
     share accounts to the balance owing on your Account if you should default. 
                                      SIGNATURE(S) 
     1. You promise that everything you have stated in this application is correct to the best of your  bureau from which it received a credit report on you. It is a federal crime to willfully and 
      knowledge. If there are any important changes you will notify us in writing immediately. You  deliberately  provide  incomplete  or  incorrect  information  on  loan  applications made   to 
      authorize the UICCU to obtain credit reports in connection with this application for credit and  federal credit unions or state chartered credit unions insured by the NCUA. 
     for  any  update,  increase,  renewal,  extension  or  collection  of  the  credit  received.  You  2. You understand that the use of your card will constitute acknowledgement of receipt and 
      understand that the UICCU will rely on the information in this application and your credit report  agreement to the terms of the credit card agreement and disclosures. MasterCard may not 
      to make its decision. If you request, the UICCU will tell you the name and address of any credit  be used for any illegal transactions. 
                                             
     ?                                       ?   
       Applicant Signature     Date            Other Applicant Signature  Date 
     
                                    FOR UICCU USE ONLY 
      Average Beacon      Line-of-Credit amount approved $    Is this card replacing an existing UICCU Credit Card? Y/N 
      
          Originated by Employee Number:       Approved by Employee Number:     
                                                                                Rev 9/28/15 
      
                                             
                                Addendum to Card Holder Agreement  
                                             
                           UICCU Secured Credit Card Agreement and Disclosures 
     
     
    In addition to the Card Holder Agreement for consumer credit transactions provided to you, by signing and/or submitting the 
    Credit Union�s secured credit card application, you agree that: 
     1.  If you are approved for this offer, you hereby accept this offer from University of Iowa Community Credit Union (the 
       �Credit Union�) for a secured consumer credit card account with the understanding that the amount deposited by you 
       (subject to any minimum required by Credit Union) in a new Secured Deposit Account will be used as security and 
       collateral to secure the obligations to the Credit Union stemming from your Secured Credit Card Account.  
     2.  By signing this agreement, you request that the Credit Union open a Secured Deposit Account as described above, 
       subject to all Credit Union policies and applicable laws and regulations.  The owners of the Secured Deposit Account 
       are identical to the Cardholders on the Secured Card Account.  
     3.  The Secured Deposit Account and Secured Credit Card Account that you are opening with the Credit Union is also 
       subject to the terms of the Card Holder Agreement, and by signing herein you agree to all terms in the Card Holder 
       Agreement. If there is a conflict between the Card Holder Agreement or any other agreement and this Agreement, 
       this Agreement will control.  
     4.  The Credit Union will open the Secured Deposit Account in your name(s) subject to all Credit Union account policies. 
       You agree to provide a security deposit in the Secured Deposit Account that is at minimum equal to your credit 
       limit on your secured consumer credit card. THE SECURED DEPOSIT ACCOUNT DOES NOT EARN INTEREST.  
     5.  The Secured Deposit Account is a security interest, pledge and assignment and is given as security for any amounts 
       you may owe under the Secured Credit Card. This means the Credit Union has control over the Secured Deposit 
       Account. You agree to surrender and irrevocably grant the Credit Union a security interest in the Secured Deposit 
       Account and any funds or balance held in said account. You may not make other withdrawals or electronic transfers to 
       or from the Secured Deposit Account unless all obligations are satisfied and the credit card has been closed. The 
       Credit Union may not send statements for the Secured Deposit Account. The Secured Deposit Account is not payable 
       at a specific date or after a specified period of time.  
     6.  You agree that this security interest gives the Credit Union the right to redeem and withdraw from the Secured 
       Deposit Account upon the default or termination, for all balances due including interest, fees, and principal, of the 
       Secured Credit Card offered herein. In order to facilitate recovery and upon the default of the Credit Card, the Credit 
       Union and its agent is authorized as attorney-in-fact to execute documents needed to recover the obligation owed.  
     7.  If the Secured Credit Card is closed for any reason, Credit Union will apply funds in Secured Deposit Account to pay off 
       any obligations or balances due. If any funds remain in the account after all obligations (including interest and fees) 
       are satisfied, the remaining funds will be held by the Credit Union for 60 days before being returned to the owner(s) 
       of the Secured Deposit Account.  
     8.  The Credit Union may require that you provide it with 7 days advance written notice of your request to close the 
       Secured Deposit Account, subject to the Credit Union�s rights under the Security Agreement. The Credit Union may 
       change these terms at any time by adding new terms or deleting or amending current terms. 
     9.  Your signature(s) or other authentication will serve as verification for any transaction in connection with the Secured 
       Deposit Account. 
     10. You will receive a Card Holder Agreement with your card(s). The Card Holder Agreement becomes effective and you 
       agree to its terms by either using your Secured Card Account or by not closing your Secured Card Account within three 
       days of receipt of your Card Holder Agreement.  
     11. Secured Deposit Account:       
     
    ________________________  ________  _____________________________  _______ 
    Cardholder Signature   Date   Cardholder Signature     Date  
     
    ________________________________   _________________________________ 
    Cardholder Name               Cardholder Name 
     
                                                                            Rev 9/28/15