SOLUTIONS to Your Financial Needs. MEMBERSHIP Eligibility. Best of all, once a member, always a member; even if you move, change jobs, or retire.

Transcription

1

2 SOLUTIONS to Your Financial Needs WHAT IS A CREDIT UNION? A credit union is a not-for-profit financial institution owned and operated by its members. It s comprised of people with a common bond something that draws them together, such as a place of employment, community, an organization, an association, etc. When someone joins a credit union, he/she opens a Share Savings Account. It s called a Share Savings Account because the individual becomes part owner of the credit union. Best of all, earnings in excess of operating expenses are returned to the members through higher dividend rates on savings products, lower loan rates, and the addition of new products and services. WHAT CAN GPOFCU FEDERAL CREDIT UNION DO FOR YOU?* As a member of GPOFCU, you can find the solutions you need to achieve financial security and independence. GPOFCU has been in the business of helping people find solutions to their financial needs since We ve done it by offering services like FREE Checking FREE Online and Telephone Account Access FREE Visa Debit Card Over 50,000 Surcharge-FREE ATM Locations Share Savings Accounts Fixed Term Share Certificates Savings Club Accounts Individual Retirement Accounts First Trust Mortgages Home Equity Loans Overdraft Lines of Credit New and Used Auto Loans RV and Motorcycle Loans Boat Loans Personal Loans Visa Credit Cards Electronic Wire Transfer Credit Life and Disability Insurance Long Term Care/Life Insurance GAP Insurance Extended Warranties Member Options SmartMove BALANCE Financial Fitness Enterprise Car Sales *Membership at GPOFCU is required to be eligible for all member benefits. You can become a member by opening a share account with as little as $10. MEMBERSHIP Eligibility WHO CAN BECOME A MEMBER OF GPOFCU? Employees and retirees of the Government Printing Office Select employee groups Family members Visit our website at for a current list of select employee groups and family membership eligibility. Best of all, once a member, always a member; even if you move, change jobs, or retire. Solutions to Your Financial Needs and Membership Eligibility

3 CONTACT AND BRANCH Information MAILING ADDRESS P.O. Box Washington, DC OFFICE HOURS & LOCATIONS Main Office 732 North Capitol Street, NW 8th Floor Washington, DC Mon., Wed. & Fri. 8:00 a.m. 2:30 p.m. Every other Monday, open for GPO paydays 8:00 a.m. 6:00 p.m. Tuesday 7:30 a.m. 3:30 p.m. Thursday 9:00 a.m. 3:30 p.m. ATM LOCATIONS 732 North Capitol St., NW, Lobby GPOFCU Main Office Teller Lobby DIRECTORY Main Line: Toll Free: Fax: Day N Night Teller: Lost or Stolen Visa Credit Card Lost or Stolen Visa Check Card ATM Locations 50,000 SURCHARGE-FREE ATMS NATIONWIDE You will never pay a surcharge again when you use your GPOFCU Visa Check Card at any of our 50,000 ATMs nationwide in the Allpoint ATM network. One in 12 of all ATMs in the U.S. is in the Allpoint network, making it the largest ATM network in the country. Use your card at any ATM displaying the Allpoint logo to access your GPOFCU account 24 hours a day. Enjoy an unlimited number of surcharge-free transactions. Withdraw from your savings or checking account, transfer between accounts, or advance funds from your Line of Credit. Allpoint s surcharge-free ATMs are located across the country in local, regional, and national retail merchants. They include merchants such as Target, CVS, ExxonMobil, Rite Aid, Sunoco and many others. Use our ATM Locator at to discover the Allpoint ATMs closest to where you live, work, or shop. When using an Allpoint ATM, you may see a message stating you will be assessed a surcharge. If one appears while you re using an Allpoint ATM, simply enter YES to accept the surcharge and proceed with your withdrawal. At the end of the transaction, you will not find a charge on your receipt nor will your account be charged. All ATMs at GPOFCU branch locations process through the following networks: Contact and Branch Information / ATM Locations

4 ACCOUNT ACCESS Options 24 Hours a Day, 7 Days a Week ELECTRONIC BILL PAYMENT Electronic Bill Payment makes it easy and convenient to pay all of your bills. Must have a checking account to use Electronic Bill Payment FREE bill payment service through our website Schedule bills to be paid ahead of time Recurring bills (those paid for the same amount and at the same time each month) can be scheduled to be paid automatically each month ONLINE BANKING Access your accounts at 24 hours a day, 365 days a year, from any computer with an Internet connection. Check your balances Transfer between accounts Make loan payments Check account history See if your checks have cleared View your Visa credit card statement and pay bills at And more! And best of all, it s absolutely FREE! AUDIO RESPONSE DAY N NIGHT TELLER Telephone Transaction System (202) Transfer money Balance and transaction inquiries WIRE TRANSFERS Electronic wire transfers are easy and inexpensive. Requests must be made in person or by fax. Domestic requests must be placed by 3:00 p.m. and foreign requests by 1:00 p.m. for same-day transfer of funds. For foreign wires, the country and telex number are necessary. Please be sure to include contact information, including address, for purposes of verification. If you can obtain a nine-digit U.S. routing number, the transfer will be considered a domestic wire and the lower domestic wire fee will be charged. A foreign wire may take in excess of one week to reach its final destination. WESTERN UNION The Western Union Quick Cash Service provides you with the ability to send money to over 24,000 locations worldwide. DIRECT DEPOSIT AND PAYROLL DEDUCTION Direct deposit and payroll deduction are special benefits of being a GPOFCU member. All deposits are insured up to $250,000. BALANCE FINANCIAL FITNESS GPOFCU wants to help you achieve your financial goals, whether that means getting out of debt, sending the kids to college, buying your first home, or retiring. The newest benefit of membership is access to personal finance information and counseling six days a week. Through BALANCE, members will receive free, unbiased information and assistance. To use the new services, get more information online at or call toll-free. Counselors are available Monday through Thursday, 8:00 a.m. to 11:00 p.m., Friday, 8:00 a.m. to 8:00 p.m. and Saturday, 11:00 a.m. to 8:00 p.m. CREDIT UNION SERVICE CENTERS AND SHARED BRANCH ACCESS GPOFCU members can cash a check, make a deposit or make a loan payment at more than 3,600 shared Credit Union Branches and Service Centers in the U.S. Find a location near you using the new and improved locator at Account Access Options

5 SHARE SAVINGS, INVESTMENT AND CHECKING Accounts SHARE INSURANCE NCUA Insurance The National Credit Union Administration (NCUA), the federal agency that oversees U.S. credit unions, provides insurance coverage on your individual accounts. The NCUA coverage on your individual accounts, as opposed to joint accounts or revocable trust accounts, is limited to an aggregate total of $250,000. IRAs are insured by NCUA up to $250,000. DEPOSIT ACCOUNTS GPOFCU offers a line of high-yield deposit products to assist you in preparing for your future financial needs; whether it be retirement, paying for children s education, or the down payment on a house, GPOFCU is here to help! SHARE SAVINGS Share Savings is a basic savings account required for membership in the Government Printing Office Federal Credit Union. CHECKING ACCOUNTS No monthly service charge, no per check fee No minimum balance Overdraft Privilege (You must meet certain qualifications to be eligible.) SAVINGS CLUB ACCOUNTS A Savings Club account can be opened with no minimum balance. Holiday Money cannot be withdrawn from the account without it being closed and cannot be reopened until after the transfer date. Money is automatically transferred into share account the 1st week of November Vacation Money can be withdrawn at any time An additional savings account Starter Investor Account $100 max to be used to open a Certificate of Deposit Money can be withdrawn at any time SHARE CERTIFICATES A Share Certificate is a great way to earn higher annual percentage yields. The rate is fixed for the entire certificate term. Dividends are compounded daily and credited quarterly. Penalties for early withdrawals may reduce principal. MONEY MARKET ACCOUNTS If you re looking for a way to obtain a good dividend rate and keep your cash liquid, then a GPOFCU Money Market Account is for you. Our Money Market Account combines higher earnings with full liquidity. Three withdrawals per month are allowed and no fees are charged for maintaining the account. A minimum deposit of $2,500 is required to open a Money Market Account. It s an excellent choice for high-yield savings in a federally insured account. INDIVIDUAL RETIREMENT ACCOUNTS In addition to Traditional IRAs and Coverdell education savings accounts (formerly Education IRAs), the Credit Union offers Roth IRAs. Roth IRA contributions are not tax deductible; however, interest income accumulates in the account tax-free. If you are not eligible to deduct your contributions, the Roth IRA is your best choice for retirement savings. All wage-earning members are eligible to open an IRA. GPO SUPER SAVERS YOUTH ACCOUNTS Along with CU Succeed and Kirby Kangaroo, a section of our website devoted exclusively to students, GPOFCU Super Savers youth accounts teach young members about managing money and let them have fun at the same time! Share Savings, Investment and Checking Accounts

6 LOANS to Meet Your Borrowing Needs GPOFCU offers competitive rate loans for just about any reason! Repayment is easily made through automatic payment, online, by mail, or in person. You can apply in person or online for any loan today! GPOFCU SIGNATURE LOAN If you just need cash for a specific time frame, personal loans are available. You can use them to consolidate bills, take that great vacation or for any other reason. If you need extra cash, your credit union can help. Rate is fixed for the term of the loan Maximum term of 5 years Maximum loan for qualified applicants is $25,000 Optional disability, life and joint life payment protection insurance are available AUTO LOANS When you need to finance your next new or used car, visit your credit union, and get pre-approved first, before you go shopping! Terms up to 7 years available For new cars, 100% financing is available, including the price of taxes, tags, extended warranty and GAP insurance For used cars, 100% of the retail NADA value plus taxes, tags, extended warranty and GAP insurance Disability, life and joint life payment protection insurance are available Guaranteed Auto Protection (GAP) insurance is available to protect you against theft or total loss of your vehicle in the event your loan is greater than the amount paid by auto insurance Car buying services: United Buyers Service (UBS), Motor Vehicle Certification Program (MVCP), CarSale.com, Enterprise Car Sales AUTO EXAM (EXTENDED WARRANTY) Free Quotes Bumper to Bumper Nationwide Coverage Towing and Rental Emergency Road Service Full Coverage Toll Free Claim Service BOAT AND RECREATIONAL VEHICLES Terms up to 7 years Boats eligible for GAP insurance RVs not eligible for GAP insurance MOTORCYCLE LOAN Terms up to 7 years Eligible for GAP insurance No extended warranty SHARE SECURED LOAN If you re looking for one of the lowest loan rates, borrowing against your savings is the way to go. By pledging any amount of your savings or certificate as collateral for your loan, you can get our lowest loan rate. Rate is 2.49% above the current share or certificate rate Maximum is the amount of your deposit being pledged Disability, life and joint life payment protection insurance are available All loans automatically approved OVERDRAFT PRIVILEGE We offer the additional benefit of Overdraft Privilege. It is available to any member in good standing whose checking account has been open for 60 days or longer. No cost privilege Honor Non-Sufficient Funds checks up to a limit of $500 Allow a 30 day period to bring account to a positive balance Loans to Meet Your Borrowing Needs

7 VISA Credit Cards GPOFCU offers a fixed, low-rate, no annual fee Visa credit card. VISA CHECK CARD $2000 POS limit $500 ATM debit limit Card is linked to your checking account VISA CREDIT CARD 9.90% fixed interest rate $10,000 max line of credit Revolving credit LINE OF CREDIT $25,000 max limit Revolving credit, similar to a credit card GPOFCU Visa Card Disclosure Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances 9.90% Grace Period for the Repayment of the Balance for Purchases Method of Computing the Balance for Purchases Annual Fee $0 Transaction Fee for Purchases There is a 25-day grace period on the purchase balance. To avoid Finance Charges on the new principal balance of purchases, pay the Total New Balance for Purchases within 25 days after the Statement Closing Date. Average Daily Balance (including new transactions) None Late Payment Fee $20 Over-the-Limit Fee $20 Lost Card/Replacement: $5.00. Checks returned for insufficient funds: $ The information contained in this disclosure is accurate as of March Visa Credit Cards

8 HOME Loans You can buy a new home or make your home like new with the following borrowing options: FIRST TRUST MORTGAGE LOANS GPOFCU can now offer first mortgage loans. If you re considering purchasing a home, or refinancing the one you have, give us a call at We offer a variety of first and second mortgages. Consult a Lending Officer or visit our Member Options program website for: Rate Watch Mortgage loan options Mortgage calculators Home buying resources Online mortgage application If you are buying or selling your home and seeking a professional real estate agent, use our SmartMove program and get a rebate on the purchase or sale price of your home. APPLY ONLINE! Our online mortgage application provides you with all the information you need to make your mortgage loan decision. To apply or get more information about our Member Options and SmartMove programs, go to HOME EQUITY LOANS When you need extra cash for a certain time, try our fast, convenient Home Equity Loan the Home Equity loan without all the headaches. Borrow up to 90% of the equity in your home appraised value less first trust Borrow a minimum of $10,000 Terms up to 15 years available No closing costs Competitive fixed rates Debt Protection, life and joint life payment protection insurance are available Repayment may be made through payroll deduction/direct deposit, by automatic transfer from your GPOFCU account, by coupon, by mail or in person HOME EQUITY LINE OF CREDIT With a Home Equity Line of Credit you can draw on your home s equity at any time. GPOFCU offers: Great competitive rates Rate is the Wall Street Journal Prime Rate adjusted quarterly Open-ended line of credit for up to 90% of the value of your home, less any mortgage No closing costs Minimum line is $10,000 The minimum payment is the greater of $100 or 1.5% of the outstanding balance at the time of the advance Debt protection, disability, life and joint life payment protection insurance are available Repayment may be made through payroll deduction/direct deposit, through automatic transfer from your GPOFCU account, through Day N Night Teller audio response, by mail or in person SMARTMOVE Professional national real estate assistance program Assigned personal coordinators Cash rebates Home warranty referral system Home Loans

9 Visa Credit Card Application Loan Application Membership Application Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. You live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI). 2. Your spouse will use the account, or 3. You are relying on your spouse s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each Applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Guarantor: Complete the Other section if you are a guarantor on an account/loan. Account/Loan: Individual Joint (Including ATM/Debit Card Access to the Account if Available) Credit Limit Requesting: $ Single Credit Disability Insurance NAME (Last First Initial) PAYMENT PROTECTION APPLICANT Single Credit Life Insurance Joint Credit Life Insurance Check coverage(s) desired. The credit union will disclose the cost of this voluntary insurance to you. A separate insurance election which discloses the terms and conditions must be signed for coverage to become effective. ACCOUNT NUMBER Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. You live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI). 2. Your spouse will use the account, or 3. You are relying on your spouse s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each Applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Guarantor: Complete the Other section if you are a guarantor on an account/loan. Account/Loan: Individual Joint (Including ATM/Debit Card Access to the Account if Available) Auto: (circle one) new or used Signature Home Equity Home Equity line of Credit Share Secured Credit Limit Requesting: $ NAME (Last First Initial) PAYMENT PROTECTION APPLICANT Overdraft Protection RV: (circle one) new or used Motorcycle: (circle one) new or used Boat: (circle one) new or used Single Credit Disability Insurance Single Credit Life Insurance Joint Credit Life Insurance Check coverage(s) desired. The credit union will disclose the cost of this voluntary insurance to you. A separate insurance election which discloses the terms and conditions must be signed for coverage to become effective. ACCOUNT NUMBER YES! I want to become a member. I will enclose my minimum opening deposit of $10.00, proof of Social Security Number, a copy of my driver s license and proof of eligibility. How did you hear about us? I am eligible to be a member of GPOFCU as a result of: Employer (print employer s name) Family (print family member name) PRIMARY OWNER INFORMATION Primary Owner Name (Please Print) Driver s License # Please include a copy of your driver s license or non-driver s identification. Home Address: DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER City State Zip BIRTH HOME PHONE BUSINESS PHONE/EXT. BIRTH HOME PHONE BUSINESS PHONE/EXT. Phone (H) (W) ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) Date of Birth Social Security No. PREVIOUS ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) JOINT OWNER INFORMATION* ADDRESS ADDRESS Joint Owner Name OTHER: Co-Applicant Guarantor OTHER: Co-Applicant Guarantor Soc. Sec. # Date of Birth NAME (Last First Initial) ACCOUNT NUMBER NAME (Last First Initial) ACCOUNT NUMBER Employer # yrs. DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER BIRTH HOME PHONE BUSINESS PHONE/EXT. DRIVER S LICENSE NUMBER/STATE SOCIAL SECURITY NUMBER BIRTH HOME PHONE BUSINESS PHONE/EXT. Driver s License # Phone (H) Phone (W) ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) For Credit Union Use Only: Acct #: ADDRESS ADDRESS This application approved on: Date: Membership Officer: CS: TI: Pay/Demo Code: Continued on reverse side. Continued on reverse side. Continued on reverse side.

10 Membership Application continued Additional Accounts I would also like to open: Other Savings Holiday Club Vacation Club Money Market Youth Super Savers Additional Savings Checking Regular Information Printed on Checks: Primary Name Joint Name Address Phone Number Driver s License No.(s) Starting Check # Authorization I hereby make application for membership in GPOFCU and agree to conform to its bylaws and amendments thereof and subscribe for at least one share. I have received disclosure for any credit union accounts I now have and agree to the terms and conditions set forth for those and any future accounts. I also agree the credit union may change these terms and conditions from time to time. This account may not be pledged, transferred, or assigned to any party other than the credit union. MORTGAGE/RENT OWED TO: Loan Application continued APPLICANT MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE $ $ % COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT (INCOME) START NAME AND ADDRESS OF EMPLOYER NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME NET GROSS SOURCE OTHER: Co-Applicant MORTGAGE/RENT OWED TO: Guarantor Visa Credit Card Application continued MORTGAGE/RENT OWED TO: APPLICANT MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE $ $ % COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT (INCOME) START NAME AND ADDRESS OF EMPLOYER NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME NET GROSS SOURCE OTHER: Co-Applicant MORTGAGE/RENT OWED TO: Guarantor *JOINT SHARE ACCOUNT AGREEMENT NOT TRANSFERABLE For Primary Share (Savings) Account Only GPOFCU is hereby authorized to recognize any of the signatures subscribed below in the payment of funds or the transaction of any business for this account. The joint owners of this account hereby agree with each other and with said credit union that all sums now paid in on shares, or heretofore or hereafter paid in on shares by any or all of said joint owners to their credit as such joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge said credit union from any liability for such payment. The joint owners also agree to the terms and conditions of the account as established by the credit union from time to time. Any or all of said joint owners may pledge all or any part of the shares in this account as collateral security to a loan or loans from the credit union. The right or authority of the credit union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said credit union which shall not affect transactions theretofore made. Member(s) Signature (each must sign for joint access to the above requested account(s). The credit union will obtain credit reports in connection with this application. All new accounts are verified through Chex Systems. Signature of U.S. person who is Primary Member Signature of Joint Owner Taxpayer Identification Number Certification & Backup Withholding Information Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number, usually a social security number, (or I am waiting for a number to be issued to me), and 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. person (including a U.S. resident alien). The IRS does not require the taxpayer to agree to the contractual provisions included on this form. Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN if you are not a U.S. person. I understand that if I do not provide a taxpayer identification number to the Credit Union within 60 days, the Credit Union is required to withhold 30.5 percent of all reportable interest/dividend payments thereafter made to me until I provide a number. Date Date MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE $ $ % COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT (INCOME) START NAME AND ADDRESS OF EMPLOYER NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME NET GROSS SOURCE OTHER INFORMATION ABOUT YOU Applicant Other 1. Are you a U.S. Citizen or permanent resident alien? YES NO YES NO 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? YES NO YES NO 3. Is your income likely to decline in the next two years? YES NO YES NO 4. Are you a co-maker, co-signer, or guarantor on any loan not listed above? YES NO YES NO SIGNATURES 1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA. X APPLICANT S SIGNATURE X OTHER SIGNATURE For Internal Use Only: Visa Account No.: Credit Line: (SEAL) (SEAL) Date Approved: Approved By: MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE $ $ % COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) EMPLOYMENT (INCOME) START NAME AND ADDRESS OF EMPLOYER NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. EMPLOYMENT INCOME OTHER INCOME NET GROSS SOURCE OTHER SIGNATURE TRANSFER OF BALANCE REQUEST Upon approval, I wish to transfer my present balance on the credit card account(s) listed below to my new credit card account. Credit Card Account Number: Amount to be transferred: $ 1. Name of Issuer: Address: Phone: Signature: 2. Name of Issuer: Address: Phone: Signature: 3. Name of Issuer: Address: Phone: Signature: 1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA. X APPLICANT S SIGNATURE X For Internal Use Only: Visa Account No.: Credit Line: SIGNATURES (SEAL) (SEAL) Date Approved: Approved By: *Terms, rates and conditions apply; reference the Visa Credit Card section of this booklet for further information on applicable fees and terms.

11 Our Mission Statement: To deliver exceptional service, built on trust, while meeting the primary financial needs of our members. FINANCIAL CHOICES LIFETIME SOLUTIONS designed & printed by visions, ink /09