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BANI( OF EASTMAN
UAGNOLIA  ETIffE EANK

uilding  a successful financial plan

When you use the...

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takes the right resources.  That's

why we work hard to Provide

you with quality financial  services and

products.  Like our convenient,  flexible

Visa',  Visa'  Gold  & Visa' Platinum  Credit

Cards. They're  accepted at thousands  of

locations worldwide  for just about any

BANK OF EASTMAN
${AGNOLIA  ETITTE 8AI[K

Visa@, Visa' Gold or Visa@
Platinum Credit Card for
the purchase  of goods oI
services, the following
benefits  are yours!

type of purchase  you can dream  up. And,

TR AVEL ACC' DENT  I NSU RAN CE

unlike those  big out-of-town institutions,

our cards come  with the personal,  friendly

service you've  come  to expect from  us.

So, whatever  your plans, choose  the

credit  card that gives you all the value

and buying  power you need to get your

projects offthe  drawing  board.

You, your spouse  and  dependent children  up

to age 19 (age  25 if a full time student  at any

institute of higher learning) are automatically

covered  with  common carrier  travel accident

insurance  every time you travel  by air, bus,

train, ship, taxi,  or any other  common carrier

anywhere  in the world when  you charge  your

entire fare to our card. This  coverage  is provided

to you at NO  EXTRA  COST.

Apply for yourstoday!

SCORECARD@  BONU S POI NTS

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BANK OF EASTMAN
T{AGNOLIA ETATE tsANK

Earn  Bonus  Points for every net retail purchase  you

make with  our Credit Card!You  can redeem  Bonus

Points for brand-name  merchandise and exciting

travel awards.  Visit  www.scorecardrewards.com

and browse  the current  award  selections.  You'll  be

amazed  at what  ScoreCard'  has to offer!To find

out how the plan  works,  ask one of our  friendly

representatives.

Annual  Percentage  Aare  (ApR)  ror  purchases

APR tor Balance Transfers

APB  lor  Cash Advances

Penalty APB  and When  it Applies

VISA 6 CREDIT DISCLOSURES

BANK oF EASTMAN

ETATE tsANK

14.75o/o  to 2O-24o/.,

based  on yo!r credirworrhrness when  you  open  y

with the  market  based  on  the  Prihe  Rate.

14.75o/o  to 20.24o/o,
based  on  your credilwonhiness  when  you  open  your account

with  the  market  based  on  rhe Prime  Bare

2O.25'/o  to 26.250/o,
based  on  your  creditworthiness  when  you open  your account.
After thai.  your  APB  will varv  whh  the  market  based  oh  the Pnme Rate

29.99"/.
This  APR  is  a fired rate anct may  be  applied to  new  rransactions  on  your account  if you
1)  Become  60  days or  fro.e pa  du€
2) Make  a payment  ihat is returned
3) Exceed  the credh  limit  ol your account
4) Perform  any ol the atorementioned  on  another  account  that  you  have  wirh  us
How  Long  will  the  Penalty APB  Apply?  lf  your APBS  are  increased  for any of these
reasons,  the  Pe.alty APR  may apply  indetinirely
Your  due  dare  is  at least  25  days  after  lhe  ctose  or  each  brlling  cycle. We  will nol  charge
you any  interesl  on  purchases  if you  pay your enlire  tlalance  by the due  date each  monlh.
The  lnterest  Charge  on  Cash  Advances  begrns  roh  the daie  you obtained  the Cash  Advance
The  lnte.est  Charge  on  Balance  Transfers  begins  from lhe  dale  the lransactaon  is  posted  to

Mlnimum  lnteresr  Char9e

For  Credh Card Tips  from  the  Consumer  Flnancial
Protection  Bureau

ll  you are charqed  interesl,  lhe charge  w I be  no  less lhan  $1.5O.
To learn  more  aboul  lactors  lo consider  when  applying  for  or  using a credit
card,  vLsil  the websile  of lhe Consumer  Financral Protectron Bureau at

://www  consLrmelJ  nance

Transaclion F@s

'  Balance Translers
. Cash Advances
. Foreiqn  Transactions
. Over-the-Credir-Limit

Returned  Payment

3.0O  7o ol the arnount translered  (minimum  or  SIO.OO)
5.0ool.  ot the amounl  advanced  (minimum  of $1O.OO)
up to 3.oo7"  of each t.ansaction  rn  U  S.  Dollars

1)  No charge  lor aulomaled  paymenis
2) $5.OO  rl assisled  by a live represenrairve

Prlme Rate:  Variable  APRs  are based  on  rhe  Pnme Rate published  in lhe  Wall Sveel Journal  on  lhe 25th day ot the pnor monlh.
Lo6s ot lntroductory  APR:  We  may  end  your  lntroductory  APB  and  apply lhe  Penalty  APR  d you  become  more  lhan  5 days  late  in  paying  your  bill.
How  We Wllt Carculate Your  Balsnce:  We  use a merhod called  "average  darly  balance"  (rncluding new purchases).  An  explanalion  of this
melhod  is provided  in  your account  agreemenl.
Bitrtng Righls: rnrormation on  your rights  ro dispute  rransacrions  and how  to exercise  rhose  rights  is provicled  in your Card  Agreement.  All  conleni is
accurare  as ol January  2O17.  For  changes  made  after prin|ng,  please  call  1.477.304  1629 or write  us at P.O. Box 9O9, Easthan,  GA 31o23.
Autho.ization:  when  you  appry  ror this  credit  card otfer from  Bank ol Easrman/Magnolia  state  Bank,  you  agree to the lollowing:
1. You  aurhorize  us to obrain credn  bureau  reports  that we will  use when  cons'clerirc  your appl'calion  ,or credi  You arso authorize
us to obtain  credi bureau  reports  and any  other  information  abour you  in  connection  with  1)  exlens@ns  ol credrl  on  your accounti  2) the adminBtralion
review or collection  ol your  accounl:  aod 3) oflering  you enhanced  or additonal  products  or  setuic6s.
2.  ll  an  account  is  opened.  you w  l receive  a Card  Agreemenl  with your card(s)  You agree to lhe  lerms  ol this agreement  by using  the accounl
or any card,  authorizing  thet  use, or making  any  payment  on  lhe  account.
3.  Rares,  lees  and ie.ms  may change:  W€  have  the  nght  to chanqe  the accounl  ierms (inclucling  APFIS) in accordanc€  whh  your  Card Agreement.

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CREDIT APPLICATION
Credrt  Limit Requested $  _

Check  Account  Choice:
(Signature  req!  red  forio  nl applicant)

Ll  lndivdLralAccounl
JJoinlAccounl 
We  inlend  to  apply  lorioint  credir
Alplrc:rr  lr ra'S_ 
J  Credit  Line  lncrease

CGApplclnr  lrilia.s _

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B&NK  OF EAST}'  AN
MIGNOLIA  ETATE  BANK

IMPORTANT  INFORMATION  ABOUT  PROCEDURES  FOR OPENINGA  NEWACCOU|ll Tohep l,rre  qc vemmenl  lighl  lie lundmg  ol  teronlm
rnsttutons lo  obta n veify and rccord  iifonnalion  that idert  iies  each  person  who
Whalhis  means  ro  you.  When  you  open  a

aid  money  lalndeino  activilies,  Fede6llaws  realire  financiat
nAccounl  we willask  for  yolr  name, address,  daie  ofbirlh,  and other

Lan  Name

Date ofBnh

No.  of Dependents

Mail  ng  Address  (il  drfferenl  from  above)

PreviousAddress  lil  less thar  2 years  at plesentaddress)

Empoyer

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City

City

Cel  Phone

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SeiEnployed
iYes  JNo

Name  and  Address  ol Previous  Employer(illess  han  2 years  at presenl  employer)

Source  olAdd  Uona  lnconre  ncome,romali
mantenance  ne€d  nol  be  revealed  if it is  nol

r chid  supportorseparate
dered  in  delem  ning  credNonhness

NearestRelatve  (Not  Li!  ng  Wlth You)

Dale oi I  rlh

CurrenlAddress

No.  ol Dependenls

P  evioLsAddrpss  (rlless  lhdn  2 years al  presenr  adoress)

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CelPhone

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Employer

Sei  Employed
J  Yes JNo

Name  and  Address  of Cred  tor
1  Home  Modgage/Renl

Name  underWhich  Accounl  s Caned

2  Bank  CredtCard/Bank  Name  andAddress

Mddle

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Slale

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Own  Rent otEr
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Zip  Code

Zip  Code

Soc  al  Seclity  Narmber

How Lons  (yrs)

How Long  {yrs)

How  tons  (yls)

Date  Emp  oyed

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How Lons  (yrs)

Relatonsh  p

Social  Security  Number

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Monlh y PaymenlS

Zip  Code

Zip  Code

How Lons  (yrs)

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Date Employed

Monlhly  Gross  lncorn€  S

I understand  lhal  il  I quali,  for  a credil  €rd  you  wil  assign  me  an  Annua  Percenlage  Rate  based  on  my crcdilwodhiness  as  delerm  ned  by  you.
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Upon  approval,  I wish lo  lransfer  my prcsenl  balance  on  lhe  credil  card  accounl(s)  lisled  b€low 

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Co-Appl  canl  Siqnature
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All  contents  including  rates,  Iees  and  prcnnns arc  accutute  ot the  titue  ol  printiry lor  chories  that  nay  haw ban  made  altet  ptinti  g pleBc  call (877) 308  1629.

Cred  t Line

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t:oLD  AND  SECURE  W',ITH  TAPL  FOR  MAILINC 

Appltation  ',O2009  Fls'  02/17

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