Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases “isa Gods 12.25% Prime + 9.00%" (Variable)   19.99% (Fixed) (Variable) Rate determined by adding fo the Prime Rate.* Floor of &.00 6.00% 4   APR for Balance Transfers 12.25% Prime + 9.00%" (Variable) 19.99% (Fixed} 9.25% (Variable) Rate determined by adding to the Prime Rate.* Floor of 8.0 6.00% Yb   APR for Cash Advances 26.00% (Fixed 23.99% Prime + 20.7455" (Variable)   20.00% (Variable) Rate determined by adding 16.75% bo the Prime Rate."   Penalty 4PR and When it Applies   27.25% Applies if accounl is late 2 limes within 4 6 month period of time.** This APR may be applied to your account if you: 1} Make a late payment; 2) Go over your credit liril: 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. Hew Lang Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.   How to Avoid Paying Interest on Purchases Your due date is atleast 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 (Grace Period) each month. LN¥ONdd ¥   CREDIT APPLICATION Credit Limit Requested $   Check Scoount Choke: (Sigasture raquired for win agpicadt U1 [ndivadual Account 0 doint Account: (4 Bank af Eastman 4 Magnolia Stata Bank Cirgle Chine: 2°43 4 Visa®     Check Card Choice 1) Visa? ly visa" Se 71 Visa® Gold #2     IMPORTANT INFORMATION ABOUT PROCEGURES FOR OPENING ANEW ACCOUNT: Ta hel the govamment fight ha *unding of lerorisit and money laundering ‘actviies, Federal laws require-all fravicial institutions ba obbain, vary and racocd infomiafion [nal ident 4e5 each persan who opens en Accourd, Whad Lhis mitans ke you: Wien you openan Account, we will ask tor your namd. address, date of beth and olher indaommalion fai [A CUET: 1 Page ay fa Ags Succeed Bee dae |e au warydde nef Eun ul Ae ap ee oy]   [hak-will ait us $5 enll We may sso ask io see your driver's licens or otics iderddyngy decent       Last Kare Midge Social Sacurity Muriber   Dale of Birth Ne cf Gependenis Cwn = Renl = (Gther la P| Lf] Cell Prigne Morlhty Payment § i}   Curent Adaress Slate Dp Coe How Long (yrs)   Mailing Address. [iF differart Ira Gi) Slale Zip Code Here Leng (03)   Previous ddress tif fess than 2 years at prasenl address) Sale Op Goce How Lang (yrs)       Sal Employed Work, Phare Lites Na {J Employer Dale Eniplayed   Address Posilion!Cccugiation Monthly Gross Income S     Name ard Address of Previous Employer (il less than 2 years af present employer) How Long dye]   Source of Adddiaral Insane: Ineame ‘om alimony, child suppor or saparale ; idinderidtes raed od be reateeded iit is nod considerad 7 dalemmining ceelibworthiiess Aragurd per Month &   Nearest Relative (Mot Living Wilh ‘ou) Relalionstip   Minimum Interest Charge If you are charged interest, the charge will be no less than $1.30   For Credit Card Tips from the Federal Reserve Board   Annual Fee To learn more about factors to consider when applying for or using 4 credit card, visit the web site of the Federal Reserve Board at http: Jederalresernve. qovicreditea rd,   Transaction Fees « Balance Transfer * Cash Advances + Forelgn Transaction     3.0% of the amount transferred (minimum of $5.00}   5.0% of the amount advanced fminimum of $10.00)   4.0% of the amount advanced {minimum of $10.00)   NIA   Penalty Fees « Late Payment « Over-the-Credit-Limit * Returned Payment   $35.00 $30.00   xe [NOLIN] peat | IN¥ONddt-09 peur Bae Jou SI GOLeuou ah Ge (BNA poe Last Maire First Social Securty Number   Ctter | Monlhly Payrienl§ in Qate of Birth Call Pagie Can Rent ~ Ne of Gependents Heme Phare t ! a uy {+   Cures Adoress City Slale Sp Cae How Lang (yrsi   Previous Address fiflass than 2 yaa al preseril adgiese) City Slate 2p Geode How Long (yré]     Sell Eriployed VWiork Phone Lives, Ho [J Employar Date Exnplayesd   Address. Posilisn!Qecugation Merlyty Gioes Inacine $       OANI LIdadS MuesSsBs] vewa| Pe eee Seas Name and Address ef Credllor Name under Which Accauil & Carried Accoind Number Balanca Menihiy Priment   1 Heme Morkgage!Ren!     2, Bank Gredit GandiBark Name and Address                     NIA     $37.00   Other Fees + Pay by Phone Fee $30.00         “The pnime rate wed to dedermine your APR ig He rate published in Ihe Wall Streat Journal an ihe 75th day of te pricy month. “The Penally Rate will apply ithe Menimum Payment i¢ past due twice ina month period. Loss of Introductory APR: We may end youriniroductory APR and apply ihe Penally APR if yau maka a lata payment. How We Will Calculate Your Balance: We use a inethod called “average daily balance” [including new purchases)." An explanation of this melhesd is provided in your account agreement. Billing Rights: Infgrmaben on your Aghts to depute transactions and how to exercise those rights is provided in your acogunt agresment. The information about the costs of the card described in this application i6 agcurate as of April 1, 2010. This information may have changed atter that date, To find out what may have changed, wrile us at PO. Box 1990, Milledgeville, GA 31059, FLEASE READ THE FOLLOWING CAREFULLY BEFORE SHSNING: This slefemens is submilled to obtain erediland Wwe cerdty thal ad infomation heresn is ime and comple. lve agree that Tnguinas may Ee inackt 1 verify information and thet creditreferences or variication may be giver based cn Inquiries fram other pariies. This offer is subject to Unt cetdil poles of this ingbtution. [ve agree tobe bowed by She terms and candilions of Ihe cardholder agrae Ten, a copy of efiich will be reailed 10 the applicant if this application is granted. heceptof such agreement end acceptance af such berms to be conslusively prasumed by lhe appl canis use. you letend to apply for joint cred, the undarsigned shall be jointly and severaliy lable for any and all cradi axlandad from bite lo time. Wa may raperd miorinaten about your ascound bo ihe credil bureaus. Lata paymeants, missed payinenls. or otter defautg on your account may be reflactad in your credil reper x . . x Appieart Signature Dale CerApoligant Signalure       Date   Upon approval, [wish io dranstar my presant balaneé on he ceed! card acrourd(s) Taled Seow 7 My Tew credit card accounl Amourd ta be trarstemad $     i Credil Gand Account Neraber . Sigiature         SSumYNIIS| WIIG [TNYALNI MASNVHL Os LSSnhOFe JA ING an Mapdotta fate Ged, Milled vite, Gra) tts Visa Accom Ne ave 1 Via God #1 Visa® Gold #2     Dete Approwad Credit Lina Appraved By         CLG AW SECURE WT TAPE PR ADAS DES WE ahead cavdte ar hee aii af prdadbe, for ehoarpes Hiei eiay dare deel ikki Fer f cApyniionticns Beata 21" ati]   ANY I please call par TSF 2285,            PLACE 3 LAMP HERE       Magnolia State Bank PO Box 1990 lle, GA 31059 Milledgev A Credit Card For All SEASONS Le Le Boe z   pANK OF MAGNOL] sex EASTMAN STATE. i)   BANK When vou use your new Visa® or Visa® Gold Credit Card for the purchase of soods or services, the following benefits are yours? Travel Accident Insurance You, vour spouse and dependent children up to age 19 (age 25 if full-time stuchent at Ly ds tibia be of higher learnings) are aubomalically covered with common carmier trevel aecident insurance every time you bra      by air, bus, train, ship, taxi or any ether common carrier    amy where in the work! when you charge your entire farc to our curd. This coverage is provided to you at XO EXTRA COS! a ScoreCard® Bonus Points Bart Bonus Points lor every net retail purchase you make with [honk of Eastin aod Maguolia State Bank Credit Card! You con redeem Bonus Points for brane- tone merchamlise unl exeliing travel awards, Visit wwwscorecurnirewiuils.com ane browse the current award selections. You'll be amazed atwhat ScoreCard ®   has to offer! To fie ait hoa the plan works, ask ome ol our friendly representatives. Notice of Negative Information (Pre-sharing) Federal law requires us to provide the following natice to customers before any “negative information” may be fumished to a nationwide consumer reporting agency. “Negalive niommation” means information conceming delinquencies, fate payments. insolvency, or any form of defaull. This notice does nol mean thal we wil be reporting such information about you only fhat we may report such infomation about customers that have nat done what they are required to do under our agreement After providing this notice, additional negative information may be submitted without providing another notice cvre We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in our credit report. LS ATP