02/23/15  021-0520-4  Financial Plus CU  6603  AXE102_IXXG00_MI_w No INSURANCE  1-287EO500 SHELL 9  Kay  Custom Application Non-Promotional
 02/23/15  021-0520-4  Financial Plus CU  6603  AXE102_IXXG00_MI_w No INSURANCE  1-287EO500 SHELL 9  Kay  Custom Application Non-Promotional
 Credit Card Application (Continued)
 OHIO RESIDENTS ONLY: The Ohio laws against  adversely affect the rights of the Credit Union unless the Credit Union is furnished a Credit Card Application (Continued)
 State Law Notices discrimination require that all creditors make credit copy of the agreement, statement or decree, or has actual knowledge of its terms,
 OHIO RESIDENTS ONLY: The Ohio laws against  equally available to all creditworthy customers, and that adversely affect the rights of the Credit Union unless the Credit Union is furnished a  before the credit is granted or the account is opened. (2) Please sign if you are not
 State Law Notices
 credit reporting agencies maintain separate credit histories on each individual upon discrimination require that all creditors make credit  copy of the agreement, statement or decree, or has actual knowledge of its terms,  applying for this account or loan with your spouse. The credit being applied for, if
 request. The Ohio Civil Rights Commission administers com pliance with this law. equally available to all creditworthy customers, and that  before the credit is granted or the account is opened. (2) Please sign if you are not  granted, will be incurred in the interest of the marriage or family of the undersigned.
 credit reporting agencies maintain separate credit histories on each individual upon  applying for this account or loan with your spouse. The credit being applied for, if 
 request. The Ohio Civil Rights Commission administers com pliance with this law. WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, granted, will be incurred in the interest of the marriage or family of the undersigned. X
 unilateral statement under Section 766.59, or court decree under Section 766.70 will
 SIGNATURE FOR WISCONSIN RESIDENTS ONLY  DATE
 WISCONSIN RESIDENTS ONLY:  (1) No provision of any marital property agreement,  X
 unilateral statement under Section 766.59, or court decree under Section 766.70 will  Application and Solicitation Disclosure
 Signatures SIGNATURE FOR WISCONSIN RESIDENTS ONLY  DATE
 1. You promise that everything you have stated in this application is correct to 2. You understand that the use of your card will constitute acknowledgment Application and Solicitation Disclosure
 Signatures Interest Rates and Interest Charges
 the best of your knowledge. If there are any important changes you will notify us of receipt and agreement to the terms of the credit card agreement and
 1. in writing immediately. You authorize the Credit Union to obtain credit reports in You promise that everything you have stated in this application is correct to 2. disclosures. You grant us a security interest in all individual and joint share You understand that the use of your card will constitute acknowledgment Interest Rates and Interest Charges Annual Percentage Rate (APR) for 
                          7.50%,  10.50%,  or  14.50% when you open your account, based on your
 the best of your knowledge. If there are any important changes you will notify us connection with this application for credit and for any update, increase, renewal, of receipt and agreement to the terms of the credit card agreement and and/or deposit accounts you have with us now and in the future to secure your Purchases
 in writing immediately. You authorize the Credit Union to obtain credit reports in extension, or collection of the credit received. You understand that the Credit disclosures. You grant us a security interest in all individual and joint share credit card account. When you are in default, you authorize us to apply the Annual Percentage Rate (APR) for  creditworthiness. This APR will vary with the market based on the Prime Rate.
                         7.50%,  10.50%,  or  14.50% when you open your account, based on your
 connection with this application for credit and for any update, increase, renewal, Union will rely on the information in this application and your credit report to make  and/or deposit accounts you have with us now and in the future to secure your balance in these accounts to any amounts due. Shares and deposits in an Purchases
  APR for Balance T ransfers 10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
 extension, or collection of the credit received. You understand that the Credit its decision. If you request, the Credit Union will tell you the name and address credit card account. When you are in default, you authorize us to apply the creditworthiness. This APR will vary with the market based on the Prime Rate.
 Individual Retirement Account, and any other account that would lose special
                          will vary with the market based on the Prime Rate.
 Union will rely on the information in this application and your credit report to make  of any credit bureau from which it received a credit report on you. It is a crime balance in these accounts to any amounts due. Shares and deposits in an tax treatment under state or federal law if given as security, are not subject to APR for Balance T ransfers 10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
 its decision. If you request, the Credit Union will tell you the name and address to willfully and deliberately provide incomplete or incorrect information in this Individual Retirement Account, and any other account that would lose special the security interest you have given in your shares and deposits. APR for Cash Advances will vary with the market based on the Prime Rate. 10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
 of any credit bureau from which it received a credit report on you. It is a crime application. tax treatment under state or federal law if given as security, are not subject to
                          will vary with the market based on the Prime Rate.
 to willfully and deliberately provide incomplete or incorrect information in this the security interest you have given in your shares and deposits. APR for Cash Advances 10.50%, 14.50%, or 18.00% when you open your account, based on your creditworthiness. This APR 
 application.
 X X Penalty APR and When it Applies will vary with the market based on the Prime Rate. 18.00%
 APPLICANT�S SIGNATURE DATE OTHER SIGNATURE DATE
 X X Penalty APR and When it Applies 18.00% This APR may be applied to your account if you:
                            - Make a late payment
 APPLICANT�S SIGNATURE Credit Card Plan Payment Authorization (optional) DATE OTHER SIGNATURE DATE This APR may be applied to your account if you:
                            - Make a payment that is returned
 The undersigned member(s) hereby authorize(s) Financial Plus Credit Union to deduct funds from my account number ___________________________________  - Make a late payment
 Credit Card Plan Payment Authorization (optional)
 to make payments on my Financial Plus Visa Credit Card open-end loan agreement, subject to the following terms and conditions. How Long Will the Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR  - Make a payment that is returned
 The undersigned member(s) hereby authorize(s) Financial Plus Credit Union to deduct funds from my account number ___________________________________  will apply until you make six consecutive minimum payments when due.
 1. Credit Union will deduct the appropriate payment amount each month on the scheduled due date, as I/we have chosen below, from the share account which
 to make payments on my Financial Plus Visa Credit Card open-end loan agreement, subject to the following terms and conditions. How Long Will the Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR 
 I/we have designated above. How to Avoid Paying Interest on  will apply until you make six consecutive minimum payments when due. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest 
 1. Credit Union will deduct the appropriate payment amount each month on the scheduled due date, as I/we have chosen below, from the share account which
 2. If the monthly payment amount is not available in the account which I/we have designated, I/we authorize the Credit Union to transfer the monthly payment Purchases on purchases if you pay your entire balance by the due date each month. 
 I/we have designated above. How to Avoid Paying Interest on  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest 
 amount from other share accounts which I/we hold in the Credit Union, except for my IRA account(s). This deduction may be made after the regularly scheduled
 2. If the monthly payment amount is not available in the account which I/we have designated, I/we authorize the Credit Union to transfer the monthly payment Purchases For Credit Card Tips from the Consumer 
 payment due date. The Credit Union will notify me by phone or mail about such other deductions within two business days. on purchases if you pay your entire balance by the due date each month.  To learn more about factors to consider when applying for or using a credit card, visit the website of 
 amount from other share accounts which I/we hold in the Credit Union, except for my IRA account(s). This deduction may be made after the regularly scheduled Financial Protection Bureau the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
 3. Deductions from my/our account(s) may be made by electronic fund transfer. For Credit Card Tips from the Consumer  To learn more about factors to consider when applying for or using a credit card, visit the website of 
 payment due date. The Credit Union will notify me by phone or mail about such other deductions within two business days.
  Fees
 4. This authorization may be revoked at any time or for any reason by giving notice of such revocation orally or in writing to the Credit Union. Financial Protection Bureau the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
 3. Deductions from my/our account(s) may be made by electronic fund transfer.
 5. The Credit Union will stop the automatic transfer of amounts in dispute if I/we notify the Credit Union no more than 60 days after the suspected billing error first Fees Transaction Fees
 4. This authorization may be revoked at any time or for any reason by giving notice of such revocation orally or in writing to the Credit Union.
 appeared on the monthly billing statement, and if I/we notify the Credit Union no less than three business days prior to the next scheduled payment transfer date. - Foreign Transaction Fee 3.00% of each transaction in U.S. dollars
 5. The Credit Union will stop the automatic transfer of amounts in dispute if I/we notify the Credit Union no more than 60 days after the suspected billing error first Transaction Fees
 I/We select the following optional method of payment:
 appeared on the monthly billing statement, and if I/we notify the Credit Union no less than three business days prior to the next scheduled payment transfer date. - Penalty Fees Foreign Transaction Fee 3.00% of each transaction in U.S. dollars
 ? Minimum Payment Amount (3�% of New Balance) - Late Payment Fee Up to $27.00 
 I/We select the following optional method of payment: Penalty Fees
  - Returned Payment Fee  Up to $27.00
 ? Payment in Full (New Balance shown on monthly statement)
 ? Minimum Payment Amount (3�% of New Balance) - Late Payment Fee Up to $27.00
 ? Fixed Payment Amount (Set amount paid each month, which is equal to or exceeds 3�% of the credit limit)
 ? Payment in Full (New Balance shown on monthly statement) How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  - Returned Payment Fee Up to $27.00
 ? Cash (No signature required)
 ? Fixed Payment Amount (Set amount paid each month, which is equal to or exceeds 3�% of the credit limit)
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment 
   Detach and Retain Disclosure for Your Records
 ? Cash (No signature required) that is returned. If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
 X X Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment 
 ?   Detach and Retain Disclosure for Your Records
 MEMBER�S SIGNATURE DATE CO-APPLICANT�S SIGNATURE DATE that is returned. If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. Effective Date: 
 X X
 ? The information about the costs of the card described in this application is accurate as of April 1, 2016. 
 MEMBER�S SIGNATURE FOR DATE CO-APPLICANT�S SIGNATURE DATE Effective Date: 
  APPROVED  NO. OF CARDS _____  CREDIT LIMIT $_______________________ DATE  _____________________________________________________________________ This information may have changed after that date. To find out what may have changed, contact the Credit Union.
 CREDIT UNION  The information about the costs of the card described in this application is accurate as of April 1, 2016. 
 FOR USE ONLY    DECLINED  LOAN OFFICER SIGNATURE  ___________________________________________________________________________________________________________
  APPROVED  NO. OF CARDS _____  CREDIT LIMIT $_______________________ DATE  _____________________________________________________________________ This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES
 CREDIT UNION 
 USE ONLY    DECLINED  LOAN OFFICER SIGNATURE  ___________________________________________________________________________________________________________ OTHER DISCLOSURES Late Payment Fee   Up to $27.00 or the amount of the required minimum payment, whichever is less, if your payment has not 
                          been received by the third calendar day of the month following the date your payment is due.
 Late Payment Fee         Up to $27.00 or the amount of the required minimum payment, whichever is less, if your payment has not 
  Returned Payment Fee    $27.00 or the amount of the required minimum payment, whichever is less.
                          been received by the third calendar day of the month following the date your payment is due.
  Document Copy Fee       $5.00
 Returned Payment Fee     $27.00 or the amount of the required minimum payment, whichever is less.
  Emergency Card Replacement Fee $85.00
 Document Copy Fee        $5.00
  Card Replacement Fee    $7.00
 Emergency Card Replacement Fee  $85.00
 Card Replacement Fee    $7.00
 APPLY 
 *
 TODAY!
 *See application for disclosures.
 AXE102c_021-0520-4_1-287EO500_NP_022315.indd   1                           3/6/2015   2:43:36 PM
 AXE102c_021-0520-4_1-287EO500_NP_022315.indd   1                           3/6/2015   2:43:36 PM