REDSTONE F C U EDERAL REDIT NION Credit Card Application Print Reset Form Type of Card Visa MasterCard Applicant Name First Middle Initial Last Identification (see page 2) Type Place of Issue Number Date of Issue Exp Date RFCU Acct # SSN Date of Birth Residential Address City State Zip Home Phone Work Phone Email (optional) Employer Name Hire Date Monthly Gross Salary Own Rent Other Monthly Payment/Rent Co-Applicant Name First Middle Initial Last Identification (see page 2) Type Place of Issue Number Date of Issue Exp Date RFCU Acct # SSN Date of Birth Residential Address City State Zip Home Phone Work Phone Email (optional) Employer Name Hire Date Monthly Gross Salary Own Rent Other Monthly Payment/Rent Optional Balance Transfers Yes! I would like to transfer my balances from other credit cards to my new RFCU credit card. Upon receipt of my new RFCU credit card, I will contact an RFCU representative at (256) 722-4857 or (800) 234-1234 Ext. 4857 Terms & Conditions By signing below, I/We authorize the Credit Union to check My/Our credit & employment history & to report My/Our credit performance to others who may properly receive this information. Everything that I/We have stated in this application is correct to the best of My/Our knowledge. I/We agree to be bound by the terms and conditions of the Credit Card Account Agreement that will accompany My/Our card(s). Applicant’s Initials By initialing here, I/We give you a security interest in any Savings, Checking, Money Market & Share Certificate (except IRA’s and Keogh’s) of which I/We am/are an account owner to Co-Applicant’s Initials protect You in the event My/Our account becomes delinquent or in default. Applicant’s Signature Date Co-Applicant’s Signature Date Must be a RFCU member to apply. PROPER IDENTIFICATION and verification of SOCIAL SECURITY NUMBER will be required prior to processing your application. Credit cards are subject to credit approval. Visit any branch for details and restrictions. Equal Credit Opportunity Lender. RFCU Internal Use Only: Note: sp1003-redfcu Closing Branch Operator # Approved Card Type Credit Limit Drop your completed application along with PROPER IDENTIFICATION and verification of SOCIAL SECURITY NUMBER by any convenient RFCU branch Or mail to: Redstone Federal Credit Union Attn: Indirect Lending 220 Wynn Drive, Huntsville, AL 35893 Or fax to: (256) 722-3689 Print this page and keep for your records! DISCLOSURE STATEMENT TERMS AND CONDITIONS All of the below information is accurate as of January 1, 2009 but may be subject to change after this date. For information regarding any such change, you should contact the Credit Union at 220 Wynn Drive, Huntsville, AL 35893 or call us at 256-837-6110 or 1-800-234-1234. Type of Card VISA / MasterCard Classic and Gold VISA Platinum 7.99% 7.00% Annual Percentage Rate (APR) for Purchases Other APRs Cash Advance APR; 7.99% Cash Advance APR; 7.00% Balance Transfer APR; 7.99% Balance Transfer APR; 7.00% Penalty* APR; 18% Penalty* APR; 18% (see explanation below) (see explanation below) Variable-rate information Your Annual Percentage Rate for purchases, balance Your Annual Percentage Rate for purchases, balance transfers and cash advances may vary. The rate for transfers and cash advances may vary. The rate for purchases and balance transfers for Classic and Gold purchases and balance transfers for Platinum cards is cards is determined by adding 4.74% to the US Prime determined by adding 3.75% to the US Prime Rate as Rate as published in the Wall Street Journal on the published in the Wall Street Journal on the last last business day of each month. The rate for cash business day of each month. The rate for cash advances is determined by adding 4.74% to the US advances is determined by adding 3.75% to the US Prime Rate as published in the Wall Street Journal on Prime Rate as published in the Wall Street Journal on the last business day of each month. The ANNUAL the last business day of each month. The ANNUAL PERCENTAGE RATE shall not be adjusted lower PERCENTAGE RATE shall not be adjusted lower than 6.5% nor higher than 18% or the maximum than 6.5% nor higher than 18% or the maximum Annual Percentage Rate permissible by law whichever Annual Percentage Rate permissible by law whichever is less. is less. Grace period for repayment of the balance for 25 days from statement closing date 25 days from statement closing date purchases Method of computing the balance for purchases Average daily balance (including current purchases) Average daily balance (including current purchases) Annual fee NONE NONE VISA/MASTERCARD International Assessment fee Up to 1% of the converted transaction amount for Up to 1% of the converted transaction amount for for international transactions international multicurrency transactions international multicurrency transactions Up to 1% of the transaction amount for international Up to 1% of the transaction amount for international single currency transactions single currency transactions Late payment fee $20.00 $20.00 Over-the-credit-limit fee $20.00 $20.00 Cash Advance fee NONE NONE Balance transfer fee NONE NONE *Additional rate information: An Annual Percentage Rate adjustment event will occur whenever Your Account becomes delinquent two (2) full minimum payments and/or when Your Account reaches thirty (30) days delinquent on two (2) separate occasions in a 12 month period. RFCU will change your Annual Percentage Rate to a fixed rate of 18% (corresponds to a monthly periodic rate of 1.500%) on the first day of the billing cycle following the cycle that Your Account was two (2) full minimum periodic payments past due and/or thirty (30) days past due on two (2) separate occasions in a 12 month period. Then, after twelve (12) consecutive billing cycles of Your Account being current and upon your request and submission of a new application, Your Account will be re- evaluated for creditworthiness and a new Account. Prevent Identity Theft and Account Fraud Prevent Identity Theft and Account Fraud by providing valid unexpired identification with your application. RFCU considers the following government issued documents as PROPER IDENTIFICATION: Driver’s License Military Dependent ID State Issued Non-driver ID Military ID Passport Permanent Resident Card Provide one of the following as verification of your Social Security Number: Social Security Card Valid Driver’s License reflecting Social Security Number Valid Military ID reflecting Social Security Number Payroll check stub reflecting both, your Name and Social Security Number Optional Balance Transfers Upon receipt of your new RFCU credit card, contact an RFCU representative at (256) 722-4857 or (800) 234-1234 Ext. 4857 to process a balance transfer. To help us process your balance transfer request quickly, please follow these guidelines: 1) Give us the most important transfer first; and 2) for card/loan issuer, give us the financial institution (e.g. AA Visa, or XYZ Express). Please have the following information available to assist us in processing your balance transfer: 1) Account Number, 2) Card / Loan Issuer, 3) Payment Address, 4) Specific Amount to Pay. Please continue to make your payments on these accounts until you are notified that the transfer of the balance(s) requested is complete. RFCU will not close your other accounts. If you want to close an account, you must contact the other creditor directly. There is no fee for this service. Lost Or Stolen Card? If your RFCU credit card has been lost or stolen, it is critical that the card is blocked immediately. Please call 1-800-234-1234 (toll free non-local) or 256-837- 6110 (locally) to report the card lost or stolen. You will be connected with staff that can take your information and block the card. Payment Information To make a payment on your RFCU credit card visit any RFCU branch location or simply mail in the billing portion of your credit card statement along with a check or money order to: Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893. Please include posting instructions and be sure to include the credit card number on your check. Also, you may conveniently transfer payments through WorldWide Branch Online (WWBO) or Call-24. A PIN is required for these services. Online Cardholder Services Visit www.redfcu.org and click on Credit Cards to register for instant access to your RFCU credit card information. You can use this service to review your account set-up as well as cardholder names (includes borrower and co-borrower names only), billing address, credit limit, card expiration date, e-mail address and cycle date. The service also allows you to review both current and past transaction information (statement information for prior 6 months). Transactions post nightly to the credit card account. These transactions can be downloaded to both Quicken and Microsoft Money. Online Cardholder Services does not replace your monthly statement.