1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are
. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730,
accurate as of
North Augusta, SC 29861 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

VISA PLATINUM NO
FRILLS

VISA PLATINUM
AWARDS

VISA CLASSIC

VISA CLASSIC
SECURED

depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.

depending on your credit
history. This APR will vary
with the market based on
the Prime Rate.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge
you interest on purchases if you pay your entire new purchase balance by the due date
each month. We will begin charging interest on cash advances and balance transfers on
the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a credit card, visit
the website of the Consumer Financial Protection Bureau's web site at
http://www.consumerfinance.gov/learnmore.

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

None
None

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $15.00 if your payment is late 15 days or more
None
Up to $10.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

9013 LASER FPDF FI14832 Rev 3-2016

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

4/4/20166.50%-14.50%8.50% - 18.00%13.90%13.90%1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
(800) 237-9829

CREDIT CARD APPLICATION

Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.

Individual Credit:

Complete Applicant sections if only the applicant's income is considered for loan approval.
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 Property
State; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) if
you 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.

Credit Cards:

Individual

Joint

Number of Cards

Visa Platinum No Frills

Visa Platinum Awards

Visa Classic

Visa Classic Secured

Amount Requested $

If Authorized user, name:

SEE PAGE 1 FOR IMPORTANT INFORMATION ABOUT CREDIT CARDS

NAME (Last - First - Initial)

ACCOUNT NUMBER

NAME (Last - First - Initial)

ACCOUNT NUMBER

APPLICANT

CO-APPLICANT

NON-APPLICANT SPOUSE/OTHER

GUARANTOR

SOCIAL SECURITY NUMBER

MOTHER'S MAIDEN NAME

SOCIAL SECURITY NUMBER

MOTHER'S MAIDEN NAME

E-MAIL ADDRESS

FAX NUMBER

E-MAIL ADDRESS

FAX NUMBER

BIRTH DATE

HOME PHONE

BUSINESS PHONE/EXT.

BIRTH DATE

HOME PHONE

BUSINESS PHONE/EXT.

DRIVER'S LICENSE NUMBER

STATE

DRIVER'S LICENSE NUMBER

STATE

PRESENT ADDRESS (Street - City - State - Zip)

OWN

RENT

YEARS/MONTHS
AT THIS ADDRESS

PRESENT ADDRESS (Street - City - State - Zip)

OWN

RENT

YEARS/MONTHS
AT THIS ADDRESS

PREVIOUS 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 IF
YOU LIVE IN A COMMUNITY PROPERTY STATE.

PLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF
YOU LIVE IN A COMMUNITY PROPERTY STATE.

MARRIED

SEPARATED

UNMARRIED (Single - Divorced - Widowed)

MARRIED

SEPARATED

UNMARRIED (Single - Divorced - Widowed)

NAME AND ADDRESS OF EMPLOYER

NAME AND ADDRESS OF EMPLOYER

EMPLOYMENT

HIRE DATE

POSITION

HIRE DATE

POSITION

PRIOR EMPLOYER

PRIOR EMPLOYER

OTHER INCOME NOTICE: Alimony, child support, or separate maintenance
income need not be revealed if you do not choose to have it considered.

OTHER INCOME NOTICE: Alimony, child support, or separate maintenance
income need not be revealed if you do not choose to have it considered.

INCOME

$

PER

INCOME

$

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 NUMBER

INCOME

RELATIONSHIP

RELATIONSHIP

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OTHER INFORMATION ABOUT YOU - IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN #1, EXPLAIN ON AN ATTACHED SHEET.

APPLICANT OTHER

1.  ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?

2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT
ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE
LAST 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):

OHIO RESIDENTS ONLY: 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.

STATE NOTICES

WISCONSIN RESIDENTS ONLY: Marital Status:

Married

Unmarried

Legally Separated

If married:  the name of my spouse is

Spouse's SSN:

Spouse's Address (if different)

Notice:  No  provision  of  any  marital  property  agreement,  unilateral  statement  under  Section  766.59,  or  court  decree  under  Section  766.70  will  adversely
affect 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).

X

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 JOINT
ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU
ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN
APPLY 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 are
not 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 your
principal residence or non-purchase money household goods.

(Applicant Initials)

(Co-Applicant Initials)

PLEASE READ BEFORE SIGNING:

LOAN APPLICATION SIGNATURES

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 on
this application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information from
others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If
this 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, this
statement 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  my
employment 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 prerecorded
message calls, from the credit union or its third party debt collector at that number.

IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record
information 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 of
birth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.

SIGNATURE OF APPLICANT
X

DATE

SIGNATURE OF CO-APPLICANT
X

DATE

HAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.

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