To find out what may have changed, wrile us at PO. Box 1990, Milledgeville, GA 31059, AU potas athe ad cate ar ie ia af priate, for ekearges Mia! aay doe bees ikea ffter tari please cal pd THAAD 22 io | Pare Le ag ery ' Check Aeon ice: H Interest Rates and Interest Charges se | Visa God Fi Wise God we CREDIT APPLICATION (Sigualere ed Rr aggicant Vi Sa if Hognatz iste Bark 49.99% 12.259 9.25% ' Credit Limit Requested $ ae pentane Circle Choice: Annual Percentage Rate (APR) for Purchases ' 6 ; i /0 (Variable) Rate determined by adding 6.00% ; a (Fixed) Prime + 9.00%" {Vanable) fo the Prime Rate.” Floor of 8.00% | “Check Card Choice 2 visa? Li visa" Gold #1 “1 Viea* Gold #2 . ~ “ a | (MEQRTANT IRFORMATION ABOUT PROCEDURES FOR OPENING ANEW ACCOUNT: To hel the goverment fight Lhd *unding of lororise and money laundering activites, Fedecal laws require all frianicial 1 9 99% 1 2 25% 9.25 Hy | institutions ta obtain, wariy and raced information [pal dent 4es each persan who opens en Accourd. Wha his. means 1 you! Wher fou dpenan Account, we will ask tor your nama. address, date of beth ane olber APR for Balance Transfers 1 f | 1. nti oO (Varia ble} Rate determined by addin 6 ook, ' information (hat-wll aoe us. eacerill i fou We ray dso ack 10 32e OUT driver's ligenst or of ice idertdyry decuinents. ime + i : ' Last Frat Miia Social Security Muribe (Fixed) Prime + 9.00%, {Variable} to the Prime Rate.’ Floor of anos . ast Kame ml ie lal Sacunty Muriber 0 2 | Dale of Birh No ef Dependent Hame Pha Cell Pr Own Rent Gther | Monihty Payment § 26.00% 23.99% open Reds OO% | ae “Sires | eee ee a St Soe [Mee APR for Cash Advances r Prime + 20.7455" (Vari (Variable) Rate determined by adding AS [CureuAdwess City Slate Bp Coe How Long vrs) (Fixed) rime + 20.74%" (Variable) 16.75% to the Prime Rate * (| - - - - - - - wo r - : ' 3 7 mE ds 7 ~ ai Cede 27.25% Applies if account is late 2 mes within a6 monlh period of time."* | Bos Mating Actress (Ff dlisrart ror aoa) cay Se f Hew Lang (ys This APR may be applied to your account if you: ‘| Ree | Previous Addregs jiffess than 2 year at prasenl address) Cily Slale Jp Code Haw Lang (yrs) 1. : Con 1} Make a late payment, mee Employer Sail Employed Work Phone Dale Employed Penalty APR and When it Applies 2) Go over your credit limit : | Bes i les Ho Ll —_ 3) Make a payment that is returned; or | ite | Address Posificn!Ocoumatian Menthy Gross Income § 4) Do any of the above on another account that you have with us, aa ! ! gE 7 = EEA = How Lang Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the | | ge | Name ard Adress of Previous Employer (iets Mon 2 years ot presen! emptor _ Hear org iy . Penalty APR will apply until you make six consecutive minimum payments when due. 7 Source cf addfianal are Ingame “om along chid suppor orseparale Around per Marth & oy Dat Your due date is ab least 25 days after the close of each billing cycle. We will not charge you interest | | riginlerionee nee ot be revested IFit fs nol considerad 1 dalermining cieslilwor nines . — How to Avoid Paying Interest on Purchases on purchases if you pay your entire balance by the due date {Grace Periad) each month. Nearest Relative (Nat Living Wilh You] Here Prone Relalionstip Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50 :} oo, inne Fast Midala Social Security Number - : -- —- | | Se Gate oF Bich ~ Heme Pha : Cell Ps fan Rent ther | Monlhly Payracnl For Credit Card Tips from the Federal To learn more about factors to consider when applying for or using a credit card, visit the web site of | | | Zee. [oo '" Ne of Deengents ci ar oo ure Reserve Board the Federal Reserve Board at hte: federalreserve.qovicreditcard. OG Cumeal Adoress City Slate Jp Gove How Lang (yrs) DEES Previous Address fiflass than 2 yaa al preseril adgiese) City Slate 2p Gods | How Lang (yrs) : | 253 Saa> | En Sell Em Wiork Phana Date Enpkyed Annual Fee . ot PaHcysr ' utes Ho. me - : “= | Address. Posilign’ Oeckga.ian Morlhty Gross Inceme & Transaction Fees iT [Marae are sires of Cred Mame under Wich Poccunl = camied Aceon Number Balance Meri Payerent , - 7 1 | EERE [1 Home Morqage!Ren! + Balance Transfer 3.0% of the amount transferred (minimum of $5.00} =k a -—|: | se - + Cash Advances §.0% of the amount advanced 4.0% of lhe amount advanced | | Be | 2, Bank Credit CardiBark Mame and Address (minimum of $10.00) _ {minimum of $10.00) i | Bs * Forelgn Transaction NIA Penalty Fees « Late Payment $35.00 $30.00 - ' a eee aes 1 wn FLEASE READ THE FOLLOWANG CAREFULLY BEFORE SIGNING: This slalemerd is submiled to obtain trediland lwo certdy tral ad information heren is me and comple. Ue agree that « Over-the-Credit-Limit HA ' HO | nguinas rray be made 10 verify formation and thet credit ceferences or varificaticn may be given based ch Inquies from other parties. This offer is subjecl to lhe credil pokes of this insbbutian. Le . - |! ane tobe bowed by She terms and candilions of Ihe cardholder agrae Ten, a copy of efiich will be reailed 10 the applicant if this application is granted. heceptof such agreement end acceptance \ Ee af such berms to be conslusively prasumed by lhe appl canis use. you letend to apply for joint cred, the undarsigned shall be jointly and severaliy lable for any and all cradi axlandad from bite lo « Returned Payment $37.00 z time. Wa may raparl nformator about your @dcound to the credi bureaus. Laba paymants, missed payinanls. or otter defautia an your account may be reflactad in your credil reper 7 - . . x - Other Fees ed Aypicant Signature Dale Ce Apalieand Signals Date : fi re Upon approval, [wish io iranetar my presant balaneé on che cred! card accound(s) babed Selow oo my new credit card accounl * Pay by Phone Fee $30.00 2 SGeedilGard Aceqund Number . Acnourd ta be trarsterad 4 _—_ “The prime rate used to delermine your APR ig He rate published in Ihe Wall Streat Journal an ihe 7ath day of fe pier month, 1 = o g Signature . “The Penally Rate will apply ithe Menimurn Payment if past due tvice ina &month period. 5 " " " Logs of Introductory APR: We may end your introductory APR and apply the Penally APR if you make alata payment. o 3 z Visa Aecouet Me Jes Via" Go.d #1 ai Visa* Gold #2 How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases)." An explanation of this melhod is provided in your account agreement. + Poe Be | Date Approwad Credit Lina Appraved By Billing Rights: Infgrmaben on your Aghts to depute transactions and how to exercise those rights is provided in your acogunt agresment. 1 = 5 The information about the costs of the card described in this application i6 agcurate as of April 1, 2010. This information may have changed atter that date, 1 Mageatic Stace Burnt. Miticegevsite, (4 t MaSY POLL AND SECURE WITH TARE FOR MALL INES sApepetievaticus Cadtaee PIS" diy M1]      PLACE STAMP HERE A Credit Card For All When you use your new Visa® or Visa® Gold Credit Card   Magnolia State Bank Milledgeville, GA 31059 PO Box 1990   for the purchase of goods or services, the following benefits are yours? SEASONS Travel Accident Insurance You, vour spouse and dependent children up to age 19 (age 25 if full-time stuchent at Ly ds tibia be of higher learnings) are aubomalically covered with common carrier travel accident insurance every Lime vou travel by air, bus, train, ship, taxi or any ether common carrier amy where in the work! when you charge your entire farc to our curd. This coverage is provided to you at XO EXTRA COS] @ ScoreCard® Bonus Points Bart Bonus Points lor every net retail purchase you make with [honk of Eastin aod Maguolia State Bank Credit Card! You can redeem Bonus Points for branc- tone merchamlise unl exeliing travel awards, Visit wwwscorecurlrewards.com and browse the current award selections. You'll be amassed atwhat ScoreCard® has to offer! To fie ait hoa the plan works, ask ome ol our friendly representatives. Notice of Negative Information (Pre-sharing) Federal law requires us to provide the following notice to cuslomers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negalive niommation” means information conceming delinquencies, fate payments. insolvency, or any form of defaull. This notice does nol mean thal we wil be reporting such information about you only thal we may report such infomation about customers tha! have not done what they are required to do under our agreement   After providing this notice, additional negative information may A p p I Y + O D A Y | be submitted without providing another notice BANK Op, gMAGNOLI, sex" "58: EASTMAN STATE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in our credit report.   LS ATP