Visa® Credit Card application

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					                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              SPIRE Visa®
                                                                                                                                                                                                                                                                                                                                                                     Features and benefits...

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Credit Cards
                                                                                                                                                                                                                                                                                                                                                                     Platinum




                                                                                                                                                                                                                           1% of transaction with




                                                                                                           The information about the cost of the card described above is accurate as of 03/01/2009. The information may have changed
                                                                                                                                                                                        Method of computing the Transaction fee for


                                                                                                                                                                                                                           a maximum of $25
                                                                                   This is a fixed rate.



                                                                                                                                                                                                                           cash advances
                                                                                                                                                                                                                                                                                                                                                                     • No annual fee
                                                                                                                                                                                                                                                                                                                                                                     • Low, fixed rate
                                                                                                                                                                                                                                                                                                                                                                     • Free year-end summary statement




                                                                                                                                                                                                           Return Check Fee: $30
                                                                                                                                                                                                                                                                                                                                                                     • Low minimum payments of 3% of outstanding                                                                                                                                                                                              Convenience at your fingertips.
                                                                                                                                                                                                                                                                                                                                                                       balance or $20, whichever is greater
                                                                 VISA® CLASSIC




                                                                                                                                                                                                                                                                                                                                                                     • Accepted by millions of merchants worldwide
                                                                                                                                                                                                                                                                                                                                                                     • $1 Million Travel Accident Insurance




                                                                                                                                                                International Transaction Fee: 1% of the total transaction
                                                                                 14.49% :




                                                                                                           after that date. To find out what may have changed, call us at 651.215.3500 or toll-free 888.34.SPIRE.
                                                                                                                                                                                                                                                                                                                                                                     • Warranty Manager Service
                                                                                                                             free ride period calculated from the statement closing (including new purchases).                                                                                                                                                       • Travel & Emergency Assistance, including Pre-Trip
                                                                                                                                                                                        balance for purchases

                                                                                                                                                                                                                                                                                                                                                                       Assistance, Card and Ticket Replacement, Auto
                                                                                                                                                                                        Average daily balances

                                                                                                                                                                                                                                                                                                                                                                       Rental Insurance, Prescription & Medical/Legal



                                                                                                                                                                                                                                                                                                                                                                     CURewards Gold
                                                                                                                                                                                                                                                                                                                                                                       Assistance, Lost Luggage Protection
                                 *VISA® REVOLVING CARD DISCLOSURES




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                POSTAGE WILL BE PAID BY ADDRESSEE



                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        BUSINESS REPLY MAIL
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    FIRST-CLASS MAIL PERMIT NO. 17337 MINNEAPOLIS, MN
                                                                                                                                                                                                                                                    * See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for more information.
                                                                                                                                                                                                                                                                                                                                                                     • No annual fee
                                                                                                                                                                                                                                                                                                                                                                     • Low, fixed rate
                                                                                   This is a fixed rate.




                                                                                                                                                                Over-the-Credit-Limit Fee: $25




                                                                                                                                                                                                                                                                                                                                                                                                                                                FALCON HEIGHTS, MN 55113-9847
                                                                                                                                                                                                                                                                                                                                                                                                                                                2025 LARPENTEUR AVE W
                                                                                                                                                                                                                                                                                                                                                                                                                                                SPIRE
                                                                                                                                                                                                                                                                                                                                                                     • Low minimum payments of 3% of outstanding
                                                                                                           The following disclosures apply to all Visa® Card Programs:




                                                                                                                                                                                                                                                                                                                                                                       balance or $20, whichever is greater
                                     VISA® CURewards GOLD




                                                                                                                                                                                                                                                                                                                                                                     • Accepted by millions of merchants worldwide
                                                                                                                                                                                                                                                                                                                                                                     • $500,000 Travel Accident Insurance
                                                                                                                             On purchases you will have a 25 day grace period or




                                                                                                                                                                                                                                                                                                                                                                     • Warranty Manager Service
                                                                                                                                                                                                                                                                                                                                                                     • Travel & Emergency Assistance program,
                                                                                                                                                                                                                                                                                                                                                                       Auto Rental Insurance
                                                                                 12.90% :




                                                                                                                                                                                                                                                                                                                                                                     • CURewards* is a dynamic dollar-per-point travel
                                                                                                           Annual fee Grace period for repayment of the




                                                                                                                                                                                                                                                                                                                                                                       and merchandise purchase program.
                                                                                                                                                                                                                                                                                                                                                                     • 25,000 points earns you a ticket to anywhere in the
Annual Percentage Rate (APR) for Purchases




                                                                                                                                                                                                                                                                                                                                                                       continental U.S.
                                                                                                                                                                                                                                                                                                                                                                     • 11 redemption levels for merchandise, everything
                                                                                                                                                                                                                                                                                                                                                                       from housewares to high-end electronics.
                                                                                                                             date to the payment due date.




                                                                                                                                                                                                                                                                                                                                                                     • Visit www.curewards.com for more information on
                                                                                                                             Replacement Card Fee: $10
                                                                                                                             balances for purchases




                                                                                                                                                                                                                                                                                                                                                                       points and redemption levels or call our Contact
                                                                                                                                                                                                                                                                                                                                                                       Center for a catalog.
                                                                                                           Other fees: Late Payment Fee: $25




                                                                                                                                                                                                                                                                                                                                                                     Classic
                                                                                   This is a fixed rate.




                                                                                                                                                                                                                                                                                                                                                                     • No annual fee
                                                                                                                                                                                                                                                                                                                                                                     • Low, fixed rate
                                                                                                                                                                                                                                                                                                                                                                     • Low minimum payments of 3% of outstanding
 VISA® PLATINUM




                                                                                                                                                                                                                                                                                                                                                                       balance or $20, whichever is greater
                                                                                                                                                                                                                                                                                                                                                                     • Accepted by millions of merchants worldwide
                                                                                                                                                                                                                                                                                                                                                                     • $250,000 Travel Accident Insurance




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              UNITED STATES
                                                                                 8.90% :




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               NO POSTAGE
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               NECESSARY
                                                                                                                                                                                                                                                                                                                                                                     • 24 hour roadside assistance




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                IF MAILED
                                                                                                               NONE




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  IN THE
                                                                                                                                                                                                                                                                                                                                                                               Your savings federally insured to at least $250,000
                                                                                                                                                                                                                                                                                                                                                                      and backed by the full faith and credit of the United States Government




                                                                                                                                                                                                                                                                                                                                                                              NCUA
                                                                                                                                                                                                                                                                                                                                                                         National Credit Union Administration, a U.S. Government Agency




                                                                                                                                                                                                                                                                                                                                                                     GP517(2/09)5M
IT ’S EASY TO APPLY!
ONLINE                         www.spire-banking.com                                                                                                                                                                    PLEASE CHECK ONE OR MORE:
FAX                            651.215.3569                                                                                                                                                                                 NEW ACCOUNT       ADD JOINT MEMBER
                                                                                                                                                                                                                            ADD TO EXISTING ACCOUNT
CALL                           Our Contact Center at: 651.215.3500 or 888.34.SPIRE
     To become a member, you must open a Share Savings Account. $10 is the minimum balance to maintain your membership.
     An additional deposit of $100 is required to open a Checking Account ($50 for Teen Checking).

    TYPE OF SERVICES DESIRED (CHECK ALL THAT APPLY)
         Share Savings Account (required)                                         HSAs                                                                      55 Plus Checking Account                                                VISA® Credit Card:
         Money Market Savings Account                                             Coverdell ESA                                                             Teen Checking Account                                                       Platinum CURewards Gold
         Holiday Savings Club                                                     IRAs                                                                      SPIRE VISA® Check Card                                                      Classic    Other________________
         Budget Savings Club                                                      U.S. Savings Bonds                                                        HSA VISA® Check Card                                                    Internet Banking
         Panda Pal Club                                                           ATM Cash Card                                                             Revolving Credit Line                                                   ACCESS Telephone Banking
         Teen Savings Account                                                     Free Checking Account                                                     Direct Deposit Complete Direct Deposit form                             Loan ____________________________
                                                                                                                                                                                                                                            (type requested)
         Certificates - call for rates and terms                                  Checking Plus Checking Account                                            and return with this application


    MAIN APPLICANT Account #                                                                                                                       JOINT APPLICANT
Full Name                                                                                                      Date of Birth                       Full Name                                                                                                        Date of Birth


Address (No P.O. Boxes)                                                    City, State, Zip                                                        Address (No P.O. Boxes)                                                    City, State, Zip


Home Phone                                                                 Work Phone                                                              Home Phone                                                                 Work Phone
(                )                                                         (             )                                                         (                )                                                         (             )
Social Security Number                                                     E-mail Address                                                          Social Security Number                                                     E-mail Address


Driver’s License #/State ID # (Required)                                   State Issued                        Exp. Date                           Driver’s License #/State ID # (Required)                                   State Issued                          Exp. Date


Place of Employment                                                        Position                                                                Place of Employment                                                        Position


Monthly Gross Income¦                                                      Date of Hire                                                            Monthly Gross Income¦                                                      Date of Hire


¦                                                                                                                                                  ¦
    Income from alimony, child support or separate maintenance need not be revealed unless you wish such income to support a request for credit.       Income from alimony, child support or separate maintenance need not be revealed unless you wish such income to support a request for credit.

Monthly Rent or Mortgage Payment $                                         Rent         Own                                                        Monthly Rent or Mortgage Payment $                                         Rent         Own



CHECKING ACCOUNT (MAIN AND JOINT APPLICANTS MUST COMPLETE THE FOLLOWING INFORMATION)
Have you ever had a checking account at this or another financial institution within
12 months before making this application?                                                                                                                           PRINT NAME(S) AND ADDRESS AS THEY ARE TO APPEAR ON CHECKS
                                                                                                                                                            NAME
Main Applicant                         No                Yes            Joint Applicant                     No               Yes
Name of Institution ______________________ Name of Institution_______________________
                                                                                                                                                            NAME
Have you had a checking account CLOSED by a financial institution without your
consent within 12 months before making this application?
                                                                                                                                                            DRIVER’S LICENSE # / STATE ID # (optional)                                               STARTING # (use 1001 or higher)
Main Applicant                          No               Yes            Joint Applicant                     No               Yes
Name of Institution ______________________ Name of Institution_______________________
                                                                                                                                                            ADDRESS                                                                                  PHONE NO. (optional)
If yes (reason) _________________________________________________________________                                                                                                                                                                    (          )
Have you been convicted of a criminal offense because of the use of a check or other                                                                        CITY                                                          STATE                               ZIP
similar item within 24 months of making this application?
Main Applicant                          No               Yes            Joint Applicant                     No               Yes

PLEDGE OF SHARES FOR VISA® (THIS AREA MUST BE INITIALED)                                                                                                                                        Primary VISA® Applicant’s                            Joint Applicant’s
I(We) grant t o SPIRE a secur ity int erest in all my ( our ) shar es and/or deposits, now or in the fut ure, except that this gr ant does not include                                          Initials / Date                                      Initials / Date
any IRA account s or other tax-qualified ret irem ent account s.

Everything I/we have stated in this application is true to the best of my/our knowledge. I/We understand that SPIRE will retain this application whether or not it is approved. SPIRE is authorized to verify my/our
employment, check my/our credit history and to answer questions about credit experience with me/us. By making this application, I/we agree to (1) the terms and conditions governing all SPIRE accounts; (2) the
terms of any agreements for specific services such as checking, savings, time deposits, and electronic banking; and (3) the terms of SPIRE’s fee and information schedule as amended from time to time. I/We also agree
to all terms, whether posted in your premises, printed on deposit slips, contained in your fee and information schedule, or enclosed with statements. I/We understand that any of the terms may be changed by SPIRE
from time to time. If you are applying for a Revolving Credit Line, VISA® Credit Card, or SPIRE VISA® Check Card, you are agreeing to the disclosure terms printed below. By signing I/we agree to the terms and
conditions indicated below. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
    Applicant’s Signature                                                                                                Date                          Joint Applicant’s Signature                                                                                          Date

    X                                                                                                                                                  X
                                                                                   REVOLVING CREDIT LINE / VISA® REQUEST DISCLOSURES
    Wisconsin Residents Only: Wisconsin law provides that no agreement, court order, or individual statement applying to marital property will affect a creditor’s interest unless prior to the time credit is granted the
    creditor is furnished with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision.

    Everything that I(we) have stated in this application is correct to the best of my(our) knowledge. I(We) understand that SPIRE will retain this application whether or not it is approved. SPIRE is authorized to
    check my(our) credit and employment history and to answer questions about your credit experience with me(us). I(We) hereby request that SPIRE issue credit cards of the type and in the number indicated. If
    this application is approved and I(we) obtain a revolving credit loan plan and/or a VISA® revolving credit card account with SPIRE, I(we) agree that by using or permitting another to use my(our) Revolving
    Credit Line or VISA® card(s), I(we) will acknowledge receipt of and be bound by all the terms and conditions accompanying my(our) VISA® card(s) and those contained in the Revolving Credit Line and
    VISA® Agreement and Disclosure Statement (“Disclosure Statement’’) which will accompany my(our) Revolving Credit Line and/or VISA® letter of approval and any subsequent amendments thereto. If I(we)
    are approved for a VISA® Check Card, I(we) agree to be bound by all the terms and provisions contained in the Agreement and Disclosure accompanying the card(s). All of the terms of the Disclosure
    Agreement are hereby incorporated by reference into this application. I(We) pledge to SPIRE and give a security interest in all shares and/or deposits now or in the future held in my(our) behalf in the Credit
    Union. Authorization for Overdraft Protection on Checking Account: I(We) also agree that my(our) signatures on this application hereby authorizes SPIRE to transfer an advance from my(our)
    Revolving Credit Loan plan to my(our) Checking Account when a check or electronic debit is presented for payment and there are insufficient funds in my(our) Checking Account. The amount of such
    advances will be in $200 increments. My(Our) responsibilities regarding such advances are disclosed in the Disclosure Statement. The Federal Equal Credit Opportunity Act prohibits creditors from
    discriminating against credit applicants on the basis of sex or marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives
    from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency which administers compliance with this law
    concerning this creditor is the REGIONAL DIRECTOR, National Credit Union Administration, 4807 Spicewood Spring Road, Stillhouse Canyon-Building 5, Austin, TX 78759.

BACKUP WITHHOLDING                                                                                                              JOINT ACCOUNT AGREEMENT
Under penalties of perjury, I certify that:                                                                                         The following agreement excludes funds in IRAs, HSAs, Coverdell ESAs, Certificates, and the initial Share deposit.
1. The number shown on this form is my correct taxpayer identification number (or                                                   Any joint account and all monies credited to it shall be the property of all owners of the account as joint tenants,
    I am waiting for a number to be issued to me); and                                                                          and not as tenants in common, and the same, or any part thereof. The dividends thereon may be withdrawn upon the
2. I am not subject to backup withholding because: (a) I am exempt from backup                                                  signature of any joint account holder, and in the case of death of any joint account holder, may be withdrawn by the
    withholding, or (b) I have not been notified by the Internal Revenue Service                                                survivor(s) or personal representative(s) as provided in Minnesota Statutes, Chapter 528.
    (IRS) that I am subject to backup withholding as a result of a failure to report all                                            The whole or any part of any joint account may be withdrawn at any time by any owner of this account who shall
    interest or dividends, or (c) the IRS has notified me that I am no longer subject                                           be first to act and payment to any joint account holder upon signature alone shall be valid and full acquittance to the
    to backup withholding; and                                                                                                  Credit Union.
3. I am a U.S. Person (including a U.S. permanent resident).                                                                        If at any time we have notice of an action of law, commenced or pending between joint account holders, we may
                                                                                                                                refuse withdrawals from said joint account by any joint account holder except upon a court order. If at any time we are
INSTRUCTIONS: Cross out item 2 above if you have been notified by the IRS that                                                  made a party to litigation involving a joint account, we shall have a lien thereon for costs and reasonable attorney’s
you are currently subject to backup withholding because you have failed to report all                                           fees.
interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN                                                  If there are partnership funds in a joint account this agreement shall, in absence of a written stop order, be binding
if you are not a U.S. person.                                                                                                   notwithstanding a separate partnership agreement.
                                                                                                                                    All withdrawals and deposits are subject to the Articles and By-Laws of this Credit Union.