Jeanne D Arc CREDIT UNION

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1 Credit Cards PLATINUM VISA CREDIT CARDS Jeanne D Arc CREDIT UNION PUT SOME CREDIT BUILDING POWER IN YOUR POCKET WITH A JEANNE D ARC VISA. It s the best of both worlds. You get a credit card that s accepted worldwide in millions of places from the friendly, knowledgeable people you already know and trust. It s also a great way for you to build your credit or transfer higher interest rate balances. And our VISA credit card programs offer you extra benefits that make them very smart tools. Find the one that works for you. TRAVEL AND GIFT REWARDS Earn Bonus Point rewards that you ll be able to redeem for merchandise or travel. CASHBACK REWARDS Get money credited back to your account just for making everyday purchases. LOW FIXED RATE Receive a competitive fixed rate based on your personal credit history. All three of our VISA programs offer the following additional benefits: 3.99% APR * for the first 6 months No Annual Fee No Balance Transfer Fees Credit Line up to $25,000 Automatic Payment Options Paperless Statements Online Account Management with Manage My VISA VISA Security and Protection $1,000 Identity Theft Reimbursement Insurance Verified by VISA (an extra layer of protection when you shop online) *APR = Annual Percentage Rate. 3.99% introductory APR is for the first 6 months after account opening. Please fill out attached application and drop off at any branch. You may also mail it to: Jeanne D Arc Credit Union P.O. Box 1238 Lowell, MA Or apply online at JDCU.com FOR ADDITIONAL INFORMATION visit JDCU.com, call us at , or stop by any of our convenient branches or loan center to speak with a Member Service Representative. JDCU.com MoneyStrong.org WeShareACommonThread.org Federally insured by NCUA Shares and Deposits in excess of NCUA limits are fully insured by MSIC. Equal Opportunity Lender Jeanne D Arc, MoneyStrong and the phrase, We Share a Common Thread, are federally registered trademarks owned by Jeanne D Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D Arc Credit Union.

2 JEANNE D ARC CREDIT UNION VISA CREDIT CARD APPLICATION c I/We are applying for a Platinum credit card. Please assign the highest credit line. Which Program would you prefer? Please check one: (If unchecked you will receive Travel & Gift Rewards) c Travel & Gift Rewards c CashBack c Rate Card 9.99% 15.99% APR * 9.99% 15.99% APR * 7.99% 14.49% APR * c I/We are applying for an increase to my/our credit limit to: $ My Account # is: Applicant s Name: Home Address: Social Security #: of Birth: Years at Residence: Home Phone #: Cell Phone #: Employer: Length of Employment: Address: Work Phone #: Monthly Salary (Gross): $ Other Monthly Income: $ Other Monthly Income Source: Alimony, Child Support or separate maintenance need not be disclosed unless you want us to rely on it for payment. Joint Applicant s Name: Home Address: Social Security #: of Birth: Years at Residence: Home Phone #: Cell Phone #: Employer: Length of Employment: Address: Work Phone #: Monthly Salary (Gross): $ Other Monthly Income: $ Other Monthly Income Source: Alimony, Child Support or separate maintenance need not be disclosed unless you want us to rely on it for payment. APPLICANT S CREDIT REFERENCE: Current Residence: (check one) c Own c Rent c Other Mortgage Bank or Landlord: Balance: $ Monthly Payment: $ Total Monthly Obligations: $ JOINT APPLICANT S CREDIT REFERENCE: Current Residence: (check one) c Own c Rent c Other Mortgage Bank or Landlord: Balance: $ Monthly Payment: $ Total Monthly Obligations: $ JDCU.com toll-free Federally insured by NCUA Shares and Deposits in excess of NCUA limits are fully insured by MSIC.

3 For the purpose of securing credit from you, I/we certify that: (a) The information is true and complete to the best of my/our knowledge; (b) I/We understand that the use of the card in connection with this application will be subject to the terms and conditions of the Jeanne D Arc VISA Credit Card Agreement and Initial Disclosure that will be sent to me. I/We consent to the necessary credit investigation in connection with the application and grant permission for its retention. Applicant s Signature Joint Applicant s Signature If more than one person is signing, each of you will have full and equal access to the credit extended and will be individually and jointly liable for the account. YOU DO NOT HAVE TO SIGN THIS AGREEMENT IN ORDER TO OBTAIN A CREDIT CARD I/We permit Jeanne D Arc Credit Union to deduct periodically all or a portion of any past due payment amount(s) arising from the use of this credit card from any deposit account(s) under the name of the cardholders signing below. Such action will not be taken with respect to a disputed item if I/we so request: Applicant s Signature Joint Applicant s Signature IMPORTANT: Please read the disclosure of this application. FOR JEANNE D ARC CREDIT UNION USE ONLY: : Amount: $ Approved by: rev date: 12/12

4 *IMPORTANT DISCLOSURES AND CREDIT INFORMATION INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES APR FOR BALANCE TRANSFERS APR FOR CASH ADVANCES PENALTY APR AND WHEN IT APPLIES HOW TO AVOID PAYING INTEREST ON PURCHASES MINIMUM INTEREST CHARGE FOR CREDIT CARD TIPS FROM THE CONSUMER FINANCIAL PROTECTION BUREAU Your due date is 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. Cash Advances and Balance Transfers are always subject to interest charges from the date they are posted to your account. If you are charged interest, the charge will be no less than $.50 To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Pretection Bureau at FEES ANNUAL FEE MAINTENANCE FEE TRANSACTION FEES Balance Transfer Cash Advance International Transaction PENALTY FEES Late Payment Returned Payment 2.00% of transaction or $5 minimum; $50 maximum With currency conversion: 1.00% of the amount of your transaction in U.S. Dollars Without currency conversion: 0.8% of the amount of your transaction in U.S. Dollars 10.00% of the New Balance; $10 maximum Up to $25 How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). The information on this form is accurate as of October 1, 2010 and is subject to change. To find out if any of this information has changed since that date, call us at or write to Jeanne D Arc Credit Union, P.O. Box 1238, Lowell, MA

5 BALANCE TRANSFER FORM c YES! PLEASE TRANSFER THE BALANCE BELOW TO MY NEW JEANNE D ARC VISA CREDIT CARD Cardholder s Name: Jeanne D Arc Credit Card Account Number: Applicant Signature