East Lansing     THE MicHIGAN ii a State mom mom UNIVERSITYs FEDERAL CREDIT UNION Building Dreams 7 oge¢Aer PLATINUM VISA PRE-APPROVAL AGREEMENT Offer of $ 5,000.00 Expires on 10/01/16 Account Number XXXXXXX355 Emp ID: 1380 App ID: 07 I/We hereby apply for the MSU Federal Credit Union VISA Credit card line-of-credit for provident and productive purposes. In the event that the VISA Credit card is issued, I/we agree to read and comply with the terms of the Agreement and Truth in Lending Disclosure Statement that will be furnished with the card. I/we agree to retain such information for our records. Please issue a separate VISA Credit card embossed with each name printed below. I/we hereby give authorization to my/our euuployerts) to release any employment verification to the credit union. I/we hereby authorize the credit union to check my/our credit and employment history and to answer any questions about the credit union’s credit experience with me/us. I/We hereby grant the credit union a security interest in the credit union account listed above, and in any other accounts at the credit union which I/we own, except for Individual Retirement Accounts. I/We acknowledge that granens this security interest is a condition for the credit card account. affixing my signature to the application I present this information truly and correctly stated to the best of my knowledge and for purposes of obtaining credit from the credit union.            Signed: __ Date: Annual Income: Applicant Member Signed: ee Date: ____ AnnualIncome: ee Co-Applicant ee as - Initial: By initialing here, | hereby acknowledge that I am applying for joint credit. Co-Applicant ISSUE CARDS TO THE FOLLOWING AUTHORIZED USERS*: Please Prin   *An authorized user is an individual granted authority to use the credit card account of the above applicant. The authorized user is not joint on the loan and is not responsible for paying back the loan. PLATINUM VISA   Interest Rates and Interest Charges   Annual Percentage Rate (APR) | 8.9% for Purchases   APRs for Balance Transfers 0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate ( 8.9%) APRs for Cash Advances _ 8.9% _ __! Penalty APR and When it 17.9% . a Applies The Penalty APR is applied if your account becomes delinquent 60 days. How Long will the Penalty APR Apply? The penalty Annual Percentage Rate will apply indefinitely. How To Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the o learn more about factors to consider when applying for or Consumer Financial Protection using a credit card, visit the website of the Consumer Financial     Bureau Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees = Transaction Fees 1% for ATM transactions * Cash Advance Fees 3% for all other transactions calculated after the transaction has __* Foreign Transaction been converted to U.S. dollars _ Penalty he $25 if the minimum payment due is $25 or more; ate Payment $15 if the minimum payment due is $15 to $24.99; or $ 0 if the minimum payment due is less than $15.   Other Fees * Returned Convenience Check | $25 a How We Calculate Your Balance: We use a method called "average daily balance (including new purchases) ."             Lansing Okemos Haslett Auburn Hills www.msufcu.org * 517-333-2424 * 800-678-4968 164 5. Washingt 5 1775 Central Pork Dr 1486) Marsh Ret 3265.Five Points Dr 23900 Jolly Ra Mission: 6 Mason Charlotte To provide sur © while assisting members and employee aS = ea 335. Cedar S 80 High St l eir dre