Credit Card
Annual Percentage Rate (APR) for Purchases and Balance Transfers
Visa Gold
A fixed introductory APR of 0% for first six billing cycles**; after that, Prime Rate* +9% (16.50%)
Visa Platinum
A fixed introductory APR of 0% for first six billing cycles**; after that, Prime Rate* +4% (11.50%)
RealRewards
A fixed introductory APR of 0% for first six billing cycles**; after that, Prime Rate* +4.5% (12.00%)
Visa Credit Cards
Other APRs
Introductory Balance Transfer APR**: 0% for first six billing cycles; after that, variable APR for purchases; Cash Advance APR: Prime Rate* + 13% (20.50% as of 2/09/06); Delinquency APR: 23.99% See explanation below*** Your annual percentage rate may vary monthly. The APR for purchases and cash advances is based on the Prime Rate plus a margin. The rate is calculated monthly by adding the margin applicable to the account to the Prime Rate At least 25 days, if previous total balance is paid in full by the payment due date
Variable Rate Information
Grace Period for Purchases
Method for Average Daily Balance (including new purchases) Computing the Balance for Purchases Annual Fee Minimum Finance Charge None $1.00 when finance charges are imposed
TheBank
MEMBER FDIC
THE DELAWARE COUNTY BANK & TRUST
Transaction Fee for Balance Transfers Transaction Fee for Cash Advances Other Fees
None
0% Introductory APR
3% of the amount of advance, but not less than $5.00
Overlimit Fee: $29.00, Late Fee: $29.00
TheBank
THE DELAWARE COUNTY BANK & TRUST
Real People. Smart Banking.
M E M B E R F D I C
www.webdcb.com
Visit your local branch or call 740-657-7200.
EQUAL HOUSING
*The Prime Rate used to determine your APR is the Prime Rate as published in the Money Rates section of the Wall Street Journal. Your rate will not exceed 24% or fall below 8.75%. The rate is subject to change the first day of the following month. The rates reflected in the table above are as of 2/09/06. **The Introductory Rate from this offer will be maintained through the 6 month period as long as the required minimum payments are made to your account when due. Otherwise, the regular APR will take effect from your last Statement Closing Date. ***The regular APR will be maintained as long as you are not late with the required minimum payments for 60 days or more. Otherwise, the APR of 23.99% Fixed will take effect from your last Statement Closing Date. Please retain this section for your records.
TheBank
THE DELAWARE COUNTY BANK & TRUST
Real People. Smart Banking.
M E M B E R F D I C
LENDER
6K/2.06
You know what’s best for you. That’s why we offer choices.
Choice is important, especially when it comes to selecting a credit card that fulfills your financial needs and purchasing habits.
RealRewards
Rewards 1.00% cash back on all purchases — up to $1,000 every year Card Travel Insurance 0% Introductory APR for the first six billing cycles** Variable APR as low as 12.00%* No Annual Fee 24/7 E-Customer Service Access your account 24 hours a day, review transactions and more
A P P L I C AT I O N
Credit Limit Desired: Please indicate which card you prefer: RealRewards Visa Gold Visa Platinum
CARDHOLDER INFORMATION
First Name Address Previous Address (if less than 2 years at current address) Employer Home Telephone ( ) Previous Employer (if less than 6 mos. at current job) Mother’s Maiden Name Detach, fold and tape. No postage necessary. Business Telephone ( ) How Long? years Initial Last Name City City Birth Date State State Social Security Number Zip Code Zip Code How Long? years How Long? years How Long? years
At The Bank, we offer a variety of credit cards — each offering you a great rate, security and peace of mind, and our signature customer service to give you the personal attention you deserve.
Worry-Free Fraud Protection No liability if your card is lost or stolen and 24-hour all day, everyday access to block your card if it is lost or stolen
CARDHOLDER FINANCIAL INFORMATION
Income: (Note: Income derived from alimony, child support and maintenance payments need not be disclosed unless you wish The Bank to consider such income in evaluation of this application.)
Visa Platinum
Card Travel Insurance 0% Introductory APR for the first six billing cycles** Variable APR as low as 11.50%* No Annual Fee 24/7 E-Customer Service Access your account 24 hours a day, review transactions and more Worry-Free Fraud Protection No liability if your card is lost or stolen and 24-hour all day, everyday access to block your card if it is lost or stolen
Yearly Household Income $
Residence Information: own rent
Mortgage/Rent Monthly Payment $
ADDITIONAL CARDHOLDER
First Name Address Initial Last Name City Birth Date State Social Security Number Zip Code How Long? years
BALANCE TRANSFER OPTION
By completing the area below, you are giving us permission to transfer the balance from the account(s) listed below to your new account with The Delaware County Bank & Trust Company.
Account Number Account Number
Exact Amount To Be Paid And Transferred $ Exact Amount To Be Paid And Transferred $
Visa Gold
0% Introductory APR for the first six billing cycles** Variable APR as low as 16.50%* No Annual Fee 24/7 E-Customer Service Access your account 24 hours a day, review transactions and more Worry-Free Fraud Protection No liability if your card is lost or stolen and 24-hour all day, everyday access to block your card if it is lost or stolen
(see reverse side for terms and conditions)
Recognizing that the statements made in this application and attachments, if any, will be used by The Delaware County Bank and Trust Company in determining whether a Visa will be issued to me, I hereby represent that such statements are true, complete, and correct. I hereby authorize you to obtain a consumer report or reports to be used in connection with this application and to obtain further credit information from any of the persons or firms set forth in my application. I understand and agree that my Visa, issued as a result of this application, shall be used in accordance with, and I agree to be bound by, the Visa Terms and Conditions that shall be issued to me from time to time. I further understand and agree to authorize The Delaware County Bank and Trust Company, as grantor, to deduct from any and all balances, credits, deposit accounts, and monies on deposit from time to time for credit as payment to this or any subsequent account should the outstanding balance exceed my credit limit or become past due more than 30 days, or should any breach or default of the Terms and Conditions occur. NOTICE: THE OHIO LAW AGAINST DISCRIMINATION REQUIRES THAT ALL CREDITORS MAKE CREDIT EQUALLY AVAILABLE TO ALL CREDIT WORTHY 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.
Signature
Date
Additional Cardholder Signature
Date