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       United VISA                  Platinum
                                   The United
                                VISA Platinum
     United�s Visa Platinum Card provides an easy way to save!  Your 1% rebate on all purchases made within
     the Continental United States will be credited to your  Platinum Credit Card.
     The introductory 5.99% annual percentage rate is good for six months.
     Personal Identity Theft Coverage helps safeguard Visa consumer cardholders against certain losses
     resulting from identity theft.  Active cardholders may be reimbursed up to $1,000 for costs incurred such as lost wages as a
      direct result of the identity theft, costs incurred to obtain credit reports, notarization of affidavits, long distance calls, postage, and
      certain legal fees.
     Travel Accident Insurance � You are automatically enrolled in our accidental death and dismemberment
     coverage of up to $250,000 when the entire travel fare is charged to your Visa Platinum and a covered loss
     occurs.
     Purchase Security and Extended Protection protects most purchases for the first 90 days from the date of
     purchase in the event of loss, theft, damage, or fire.
     Customer Service � United�s Online Credit Card Service provides access to your credit card information
     24/7. Monitor your account activity, view transactions, make payments online and much more!
     Pay Ahead Feature � Payment in excess of the Minimum Monthly Payment may eliminate or reduce your
     minimum monthly payment. See cardholder agreement for more details.
     DID YOU KNOW YOUR UNITED CREDIT CARD COMES WITH AROUND-THE-CLOCK PROTECTION
     AGAINST FRAUD? � Your card is protected by a fraud monitoring system that uses sophisticated technologies
     that seeks out and identifies suspicious card activity on your behalf.
     The wide variety of benefits provided by your card are more fully explained in the cardholder agreement and brochures that will arrive with your
     new card.
            IMPORTANT INFORMATION WHEN TRAVELING OUTSIDE THE UNITED STATES
       If you plan to travel outside the U.S., please contact a bankcard representative at 1.800.242.7600.
          For security reasons, some foreign countries may be blocked or have certain restrictions.
                  Important Information About P Important Information About P Important Information About P Important Information About P Important Information About P rocedures F rocedures F rocedures F rocedures F rocedures F or Opening A New Account or Opening A New Account or Opening A New Account or Opening A New Account or Opening A New Account
     To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions
     obtain, verify, and record information that identifies each person who opens an account or requests a loan. What this means for you:
      When you open an account or request a loan, we will ask for your name, address, date of birth, and other information that will allow us
      to identify you. We may also ask to see your driver�s license or other identifying documents. We may ask our established customers
      for identification and we will use this information to update our files.
                                                                  Member FDIC
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       United VISA                  Platinum
                   Your choice regarding over-the-credit limit coverage.
     Unless you tell us otherwise, we will decline any transaction that causes you to go over your credit limit.  If you
     want us to authorize these transactions, you can request over-the-credit limit coverage.
     If you have over-the-credit limit coverage and you go over your credit limit, we will charge you a fee of 2% of
     your credit limit, with a maximum fee of $10.   You will only pay one fee per billing cycle, even if you go over
     your limit multiple times in the same cycle.
     Even when you request over-the-credit limit coverage, in some cases, we may still decline a transaction that
     would cause you to go over your limit, such as if you are past due or significantly over your credit limit.
     If you want over-the-limit coverage and want to allow us to authorize transactions that go over your credit limit,
     please:
     �  Call us at 1.800.242.7600
     �  Visit www.bankwithunited.com; or
     �  Please check the appropriate box below, and return the form to us at United BankCard Department,
        PO Box 1382, Parkersburg WV 26102-9901
     ? ? ?    I want over-the-limit coverage.  I understand that if I go over my credit limit, I will be charged a fee of ? ?
        2% of my credit limit, with a maximum fee of $10.  I understand I have the right to cancel this coverage at
        any time.
     ? ? ?    I do not want over-the-limit coverage.  I understand that transactions that exceed my credit limit will not ? ?
        be authorized.
      Printed Name: ___________________________________________________________________________
      Credit Card Number: ______________________________________________________________________
      Signature: ______________________________________________________________________________
      Date: __________________________________________________________________________________
     Please return this form to United BankCard Department, PO Box 1382, Parkersburg, WV 26102-9901.
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                                          �
                         Apply for your VISA  Platinum Card today!
                                                Present Account # (if applicable) # __________________________________________
                                                *Please complete application for these requests.
                                                ? *New Account
                                                ? *Please increase my credit limit to $___________________.
                                                ? *Please add co-applicant as shown on application.
                                                ? Name change from________________________to ___________________________
                                                ? *Other ____________________________________________________________
                                                                Social
         Name                               Birthdate           Security#
         Physical                                               Years at this Home
         Address                  City     State      Zip       Address Phone
         Mailing Address
         (If different than
         Physical Address)                       E-mail Address:     Cell Phone:
         Residence:     Landlord/
                        Mortgage                      Monthly        Number
             R Own    R Rent    R With Parents Holder Payment $      of Dependents
                                                 How            Bus.
         Employer                                Long     Yrs:                Mo: Phone
         Employer�s                                                  Your
         Address                            City      State Zip      Position
      APPLICANT INFORMATION
         Name of
         Nearest Relative
         Not Living with You           Relationship             Phone
         Address of                                             Mother�s
         Nearest Relative                                       Maiden
         Not Living with You           City      State Zip      Name
                                                                Social
         Name                               Birthdate           Security#
         Physical                                               Years at this Home
         Address                  City     State      Zip       Address Phone
         Mailing Address
         (If different than
         Physical  Address)                      E-mail Address:     Cell Phone:
         Residence:     Landlord/
                        Mortgage                      Monthly        Number
             R Own    R Rent    R With Parents Holder Payment $      of Dependents
                                                 How            Bus.
         Employer                                Long     Yrs:                Mo: Phone
         Employer�s                                                  Your
         Address                            City      State Zip      Position
      CO-APPLICANT INFORMATION Name of
         Nearest Relative
         Not Living with You           Relationship             Phone
         Address of                                             Mother�s
         Nearest Relative                                       Maiden
         Not Living with You           City      State Zip      Name
                        Applicant                           Co-Applicant
         Gross Monthly Salary:                 Gross Monthly Salary:
         Social Security Income:               Social Security Income:
         Retirement Income:                    Retirement Income:
         Other Income:  Source:                Other Income:  Source:
      INCOME SECTION
         TOTAL INCOME:                         TOTAL INCOME:
         Alimony, child support, or separate maintenance income need not be revealed if applicant or co-applicant does not wish it considered as a source for repaying this obligation.
         Everything that I have stated in this Application is correct to the best of my knowledge. I understand that you will retain this Application whether or not it is approved. You are authorized to check my credit
         and employment history and to answer questions about your credit experience with me. If the account is individual I hereby agree that if my Application is granted, the account opened in my name will be for
         my sole benefit and use and no other person will be permitted to use said account or card issued pursuant thereto.
         Applicant Applicant Applicant Applicant Applicant
         Signature                                    (Seal)    Date
      SIGNATURE Co Co Co Co Co - - - - - Applicant Applicant Applicant Applicant Applicant
         Signature                                    (Seal)    Date
        To apply, simply complete and mail pages 2 and 3 to United BankCard Department, PO Box 1382, Parkersburg, WV 26102-
        9901. If approved, your United Credit Card will be mailed to you in two to three weeks! Be sure to call us at 1.800.242.7600 if you
        have any questions.              Page 3
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                               VISA     Platinum Card
                             INTEREST RA INTEREST RA INTEREST RA INTEREST RA INTEREST RA TE AND FEE DISCLOSURES TE AND FEE DISCLOSURES TE AND FEE DISCLOSURES TE AND FEE DISCLOSURES TE AND FEE DISCLOSURES
     Interest Rates and Interest Charges
     Annual Percentage Rate
                       5.99% introductory APR for the first six billing cycles following account opening. After that,
     (APR) for Purchases
                       your APR will be 8.50%.  This APR will vary with the market based on the prime rate.*
      APR for Balance  5.99% introductory APR for the first six billing cycles following account opening. After that, your
      Transfers        APR will be 8.50%.  This APR will vary with the market based on the prime rate.*
     APR for Cash Advances 5.99% introductory APR for the first six billing cycles following account opening. After that, your
                       APR will be 8.50%.  This APR will vary with the market based on the prime rate.*
     Penalty APR       None
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle.  We will not charge you
                       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 post date.
      Minimum Interest There is no minimum interest charge.
      Charge
      For Credit Card Tips To learn more about factors to consider when applying for or using a credit card, visit the
      from the Consumer
                       website of the Consumer Financial Protection Bureau at
      Financial Protection
                       http://www.consumerfinance.gov/learnmore.
      Bureau
     Fees
     Annual Fee         None
     Transaction Fees
     � Balance Transfer None
     � Cash Advance     Either $5 or 1 1/2% of each cash advance, whichever is less
     � Foreign Transaction None
     Penalty Fees
     � Late Payment     5% of the Minimum Monthly Payment, not to exceed $15.00.
     � Over-the-Credit Limit Either $10 or 2% of your credit limit, whichever is less
     � Returned Payment $15
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your credit
     card agreement.
     *Variable rate information � After the first six months of the account, your Annual Percentage Rate may vary. The rate will
      be determined by adding a margin of 5.00 percentage points to the Prime Rate published in The Wall Street Journal on the
      st
      1  day of the calendar month of your current billing cycle.
     Card Replacement Fee � 24 Hours $25.00, 3-5 days $10.00, 7-10 days None
     Research Fees - $15.00 per hour, $3.00 per copy
     Retrieval Fee - $25.00
       The information about the costs of the card described in this application is accurate as of February 2016. This information may have changed after that date. To find out what may have changed,
       write us at 514 Market Street, Parkersburg, WV 26101 or call us at 304.295.3461 or 1.800.242.7600. NEW HAMPSHIRE RESIDENTS: If you wish, we will remove your name from our
       marketing lists for future mailings. To have your name removed, write us at Credit Card Plan, P.O. Box 637, Bridgeport, Connecticut 06601-0637. OHIO RESIDENTS: The Ohio laws against
       discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon
       request. The Ohio Civil Rights Commission administers compliance with this law. NEW YORK RESIDENTS: Consumer reports may be requested in connection with the processing of your
       application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies that have provided us with such reports. New York
       residents may contact the New York State Banking Department at 1.800.518.8866 to obtain a comparative listing of rates, fees, and grace periods. MARRIED WISCONSIN RESIDENTS: No
       agreement, court order, or individual statement applying to marital property will adversely affect our rights with respect to your credit card account, unless you provide us now with a copy of, or
       complete information about, the agreement, order, or statement or unless we have actual notice of it.
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