Please return compieted Application to ihe address below in a starnped envelope. Cut off the Application and Solicitation Disclosure and retain for your records.         Credit Union‘ Diferenes C SO00000% Credit Card Application    TWO HARBORS FEDERAL CREDIT UNION 801 11TH STREET TWO HARBORS MN 55616 Visa Two Harbors Federal eee Credit Union 801 11th Street Two Harbors, MN 55616 218-834-2266 Fax: 218-834-2250 www.thfcu.org 1-1VXRODG5 CcMoo3 © CUNA Mutual Group 2009, 10, 12 Ali Rights Reserved AXE102 AMERECA'S ned CREDIT UNIONS"Two Harbors Federal Credit Union 801 Tith Street * Two Harbors, MN 55616 218-834-2266 © Fax: 218-834-2250 » www.thicu.org a   VISA CLASSIC Application and Solicitation Disclosure   interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 9.90%   APR for Balance Transfers 9.90%   APR for Cash Advances 9.98%   How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.   Minimum Interest Charge lf you are charged interest, the charge will be ne less than $0.50.   For Credit Card Tips fram the Consumer Financial Protection Bureau To leat mere about factors to cansider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at ittp://www.consumerfinance.gov/learnmore.   Fees   Transaction Fees - Foreign Transaction Fee None   Penalty Fees - Late Payment Fee - Returned Payment Fee     Up to $25.00 Up to $25.00     How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases}.” Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. Effective Bate: The information about the costs of the card described in this application is accurate as of April 19, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee Returned Payment Fee Statement Copy Fee Document Copy Fee Card Replacement Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in: making a payment, ie or the amount of the required minimum payment, whichever is less. 4.00 $4.00 $10.00 AMERICA'S Me nee CREDIT UNIONS”rs Federal Credit Union 801 11th Street * Two Harbors, MN 55616 218-834-2266 ° Fax: 218-834-2250 = www.thfcu.org Two Harbo   change in   Co-Applicant dox. Guarantor: ‘Applican NAME (Last - First - Init              ACCOUNT NUMBER A table that includes required credit card disclosures fis provided with this Application. To obtain any since it was printed, write to us at the address stated on this Application. C1 Joint Credit: Each applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the applicant, mark the Complete the Other section if you are a guarantor on an account/loan.                 the required information           $      CJ Credit Limit Requested: ‘Othe MiCo-Ap NAME (Last - First - Initial)          DRIVER'S LICENSE NUMBER / STATE SOCIAL SECURITY NUMBER   DRIVER'S LICENSE NUMBER / STATE SOCIAL SECURITY NUMBER     E-MAIL ADDRESS E-MAIL ADDRESS   BIRTH DATE HOME PHONE CELL PHONE BUSINESS PHONE Ex?. { ) { ) ( } SIATH DATE HOME PHONE CELL PHONE BUS?NESS PHONE/ EXT. ( } { } ( }   PRESENT ADDRESS (Strest - City - State - Zip) . [own ["]RENT YEARS AT THIS ADDRESS     PRESENT ADDAESS (Streat - City - State - Zip) . lown []aent YEARS AT THIS ADDRESS       MORTGAGE/RENT OWED TO: MORTGAGE/RENT OWED TO:   MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE 3 $ %   MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE 3 $   wa   COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: Timarnieo | |serarateo [| UNMARRIED {Single - Divorced - Widowed) COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: [ ]mansien | |sepanateo |_| UNMARRIED (Single - Divorced - Widowed)   START Employment/Income | evan NAME AND ADDRESS OF .-.-- EMPLOYER NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE AEVEALED iF YOU DG NOT CHOOSE TO HAVE IT CONSIDERED.           START Employment/Income | stan         NAME AND ADDRESS OF +++ -r- ees EMPLOYER NOTICE: ALIMONY CHIL SUPPORT, CA SEPARATE MAINTENANCE INCOME NEGO NOT BE REVEALED iE YOU DO'NOT GHOOSE TO HAVE IT CONSIDERED,     EMPLOYMENT INCOME OTHER INGOME $ PER PER EMPLOYMENT INCOME OTHER INCOME $ PEA PER     $ [~]wer [ ] cross SOQUACE   By (_|net [ |aross SOURCE   OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit aqually available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon raquest. The Ohio Civii Rights Commission administers compliance with this law. WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 wi 1. You promise that everything you have stated in this application is correct to ihe best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union wilf rely on the information in this application and your credit report ta make its decision. lf you requesi, the Credit Union will tell you: the name and address of any credit bureau from which it received a credit report en you. It is a crime to willfully and deliberately provide incomplete or incorrect infarmaticen in this application. State Law Notices            adversely affect the rights of he Credit Union unless the Credit Union is furnished a copy of the agresment, statement or decrae, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned. ix SIGNATURE FOR WISCONSIN RESIDENTS ONLY     DATE     2, You understand that the use of your card will constitute acknowledgment af receipt and agreement te the terms of the credit card agreement and disclosures. You grant us a security interest in ail individual and joint share and/or depesit accounts you have with us now and in the future lo secure your eredit card account. When you are in default, you authorize us to apply the balance in these accounts te any amounts due, Shares and deposits in an Individuat Retirement Account, and any other account that would lose special tax treatment under stale or federal law if given as security, are not subject to the security interest you have given in your shares and deposits.       (SEAL) | IX X {SEAL}             APPLICANTS SIGNATURE DATE OTHER SIGNATURE DATE   FOR CREDIT CARD NUMBER     l] APPROVED Ct DECLINED NO. OF CARBS CREDIT LIMIT & CREDIT COMMITTEE OR LOAN OFFICER SIGNATURE CREDIT UNION USE ONLY         LOOK INSIDE FOR IMPORTANT INFORMATION