Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchasesif you pay your entire new purchase balance by the due date each month. We will begin charging interest on cashadvances and balance transfers on the date the cash advance or balance transfer is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of theConsumer Financial Protection Bureau's web site at http://www.consumerfinance.gov/learnmore.FEES:Fees to Open or Maintain your Account- Annual Fee:- Application Fee:NoneNoneThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of__________________ . You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire ifany changes occurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) forPurchasesThis APR will varywith the market basedon the Prime Rate.VISA TRADITIONALSECURED
Transaction Fees
- Balance Transfer:- Cash Advance:- Foreign Transaction:None2% of the amount of each cash advance or $10.00, whichever is greater1% for any transaction outside the U.S. or U.S. territoriesPenalty Fees
Up to $25.00 if your payment is late 1 day or moreNoneUp to $20.00 if your payment is returned for any reason- Late Payment:- Over-the-Credit Limit:- Returned Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you are 60 days late.1070 Edgefield RoadP.O. Box 6730North Augusta, SC 29861(800) 237-9829
page 1 of 3
9013 LASER FPDF FI14832 Rev 8-2020 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.
APR for Cash AdvancesAPR for Balance TransfersThis APR will varywith the marketbased on the PrimeRate.VISA TRADITIONALVISA REWARDS VISA SIGNATURE
This APR will varywith the marketbased on the PrimeRate. 1.99%
Introductory APR for twelvemonths as of accountopening. After that, yourStandard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate.1.99% Introductory APR fortwelve months as ofaccount opening. After that,your Standard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate.depending on your credithistory. This APR will varywith the market based onthe Prime Rate.1.99%
Introductory APR for twelvemonths as of accountopening. After that, yourStandard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate.depending on your credithistory. This APR will varywith the market based onthe Prime Rate.1.99% Introductory APR fortwelve months as ofaccount opening. After that,your Standard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate.1.99%
Introductory APR for twelvemonths as of accountopening. After that, yourStandard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate.depending on your credithistory. This APR will varywith the market based onthe Prime Rate.1.99% Introductory APR fortwelve months as ofaccount opening. After that,your Standard APR will bedepending on your credithistory. This APR will varywith the market based onthe Prime Rate. CREDIT CARD APPLICATION
Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.Complete Applicant sections if only the applicant's income is considered for loan approval. Individual Credit: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 PropertyState; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) ifyou 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.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.Amount Requested $
APPLICANT
CO-APPLICANTNON-APPLICANT SPOUSE/OTHER GUARANTOR
NAME (Last - First - Initial) ACCOUNT NUMBER NAME (Last - First - Initial) ACCOUNT NUMBERSOCIAL SECURITY NUMBER MOTHER'S MAIDEN NAME SOCIAL SECURITY NUMBER MOTHER'S MAIDEN NAMEE-MAIL ADDRESS FAX NUMBER E-MAIL ADDRESS FAX NUMBERBUSINESS PHONE/EXT. BUSINESS PHONE/EXT. BIRTH DATE HOME PHONE BIRTH DATE HOME PHONE
PRESENT ADDRESS (Street - City - State - Zip) PRESENT ADDRESS (Street - City - State - Zip) OWNRENT OWNRENTYEARS/MONTHSAT THIS ADDRESS YEARS/MONTHSAT THIS ADDRESSPREVIOUS 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, OR IFYOU LIVE IN A COMMUNITY PROPERTY STATE. PLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IFYOU LIVE IN A COMMUNITY PROPERTY STATE. MARRIEDSEPARATEDUNMARRIED (Single - Divorced - Widowed) MARRIEDSEPARATEDUNMARRIED (Single - Divorced - Widowed)
EMPLOYMENT
NAME AND ADDRESS OF EMPLOYER NAME AND ADDRESS OF EMPLOYER
HIRE DATE POSITION HIRE DATE POSITIONPRIOR EMPLOYER PRIOR EMPLOYER
INCOME OTHER INCOME NOTICE: Alimony, child support, or separate maintenanceincome need not be revealed if you do not choose to have it considered. OTHER INCOME NOTICE: Alimony, child support, or separate maintenanceincome 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 NUMBERRELATIONSHIP RELATIONSHIP
page 2 of 3Credit Cards:IndividualJointVisa Traditional Secured
If Authorized user, name
SEE PAGE 1 FOR IMPORTANT INFORMATION ABOUT CREDIT CARDSNumber of CardsVisa Rewards
DRIVER'S LICENSE NUMBER STATE DRIVER'S LICENSE NUMBER STATEVisa Traditional
Visa Signature
1070 Edgefield RoadP.O. Box 6730North Augusta, SC 29861(800) 237-9829
Date of Birth LOAN APPLICATION SIGNATURES PLEASE READ BEFORE SIGNING:All the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement onthis application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information fromothers about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. Ifthis application is approved, I agree to honor the provisions of the credit card agreement covering my account. (If this application is for two or more of us, thisstatement applies to all of us.)Consumer and Credit Report Authorization. By signing this Application, I 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. I authorize you to receive and review other information about me, such as myemployment 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), I consent to receiving calls, including autodialed and prerecordedmessage calls, from the credit union or its third party debt collector at that number.
SIGNATURE OF APPLICANT DATE SIGNATURE OF CO-APPLICANT DATE
X X
HAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.
page 3 of 3IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNTTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and recordinformation that identifies each person who opens an account. What this means for me: When I open an account, you will ask for my name, address, date ofbirth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and thatcredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance withthis law.STATE NOTICESUnmarriedLegally Separated WISCONSIN RESIDENTS ONLY: Marital Status:Married If married:  the name of my spouse is Spouse's Address (if different)
Spouse's SSN:Notice: No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adverselyaffect 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, I state that the credit being applied for, if granted, will be incurred in the interest of the marriage or family of the Borrower(s).
XOTHER INFORMATION ABOUT YOU - IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN #1, EXPLAIN ON AN ATTACHED SHEET.
1.  ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?APPLICANTOTHER
2.DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBTADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THELAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?
3.  IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS?
4.  ARE YOU A CO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE?FOR WHOM (Name of Others Obligated on Loan): TO WHOM (Name of Creditor):
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 JOINTACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOUALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CANAPPLY 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 arenot 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 yourprincipal residence or non-purchase money household goods.
(Applicant Initials)(Co-Applicant Initials)