Visa® Credit Card application

The following disclosures apply to all Visa® Card Programs: Method of computing the Transaction fee for Annual fee Grace period for repayment of the cash advances balance for purchases balances for purchases NONE 1% of transaction with Average daily balances On purchases you will have a 25 day grace period or a maximum of $25 free ride period calculated from the statement closing (including new purchases). date to the payment due date. Other fees: Late Payment Fee: $25 Over-the-Credit-Limit Fee: $25 Return Check Fee: $30 Replacement Card Fee: $10 International Transaction Fee: 1% of the total transaction The information about the cost of the card described above is accurate as of 03/01/2009. The information may have changed after that date. To find out what may have changed, call us at 651.215.3500 or toll-free 888.34.SPIRE. Features and benefits... Platinum • No annual fee • Low, fixed rate • Free year-end summary statement • Low minimum payments of 3% of outstanding balance or $20, whichever is greater • Accepted by millions of merchants worldwide • $1 Million Travel Accident Insurance • Warranty Manager Service • Travel & Emergency Assistance, including Pre-Trip Assistance, Card and Ticket Replacement, Auto Rental Insurance, Prescription & Medical/Legal Assistance, Lost Luggage Protection This is a fixed rate. SPIRE Visa® Credit Cards Convenience at your fingertips. *VISA® REVOLVING CARD DISCLOSURES Annual Percentage Rate (APR) for Purchases VISA® PLATINUM VISA® CLASSIC VISA® CURewards GOLD 14.49% : * See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for more information. CURewards Gold POSTAGE WILL BE PAID BY ADDRESSEE BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 17337 MINNEAPOLIS, MN • No annual fee • Low, fixed rate • Low minimum payments of 3% of outstanding balance or $20, whichever is greater • Accepted by millions of merchants worldwide • $500,000 Travel Accident Insurance • Warranty Manager Service • Travel & Emergency Assistance program, Auto Rental Insurance • CURewards* is a dynamic dollar-per-point travel and merchandise purchase program. • 25,000 points earns you a ticket to anywhere in the continental U.S. • 11 redemption levels for merchandise, everything from housewares to high-end electronics. • Visit www.curewards.com for more information on points and redemption levels or call our Contact Center for a catalog. This is a fixed rate. SPIRE 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113-9847 12.90% : This is a fixed rate. Classic • No annual fee • Low, fixed rate • Low minimum payments of 3% of outstanding balance or $20, whichever is greater • Accepted by millions of merchants worldwide • $250,000 Travel Accident Insurance • 24 hour roadside assistance Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES 8.90% : NCUA National Credit Union Administration, a U.S. Government Agency GP517(2/09)5M ONLINE FAX CALL IT ’S EASY TO APPLY! www.spire-banking.com 651.215.3569 Our Contact Center at: 651.215.3500 or 888.34.SPIRE PLEASE CHECK ONE OR MORE: NEW ACCOUNT ADD JOINT MEMBER ADD TO EXISTING ACCOUNT 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) Money Market Savings Account Holiday Savings Club Budget Savings Club Panda Pal Club Teen Savings Account Certificates - call for rates and terms HSAs Coverdell ESA IRAs U.S. Savings Bonds ATM Cash Card Free Checking Account Checking Plus Checking Account 55 Plus Checking Account Teen Checking Account SPIRE VISA® Check Card HSA VISA® Check Card Revolving Credit Line Direct Deposit Complete Direct Deposit form and return with this application VISA® Credit Card: Platinum CURewards Gold Classic Other________________ Internet Banking ACCESS Telephone Banking Loan ____________________________ (type requested) MAIN APPLICANT Account # Full Name Date of Birth JOINT APPLICANT 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 Monthly Gross Income¦ ¦ Position Place of Employment Monthly Gross Income¦ ¦ Position Date of Hire 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 Main Applicant No Yes Joint Applicant No Yes NAME 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? Main Applicant No Yes Joint Applicant No Yes DRIVER’S LICENSE # / STATE ID # (optional) STARTING # (use 1001 or higher) Name of Institution ______________________ Name of Institution_______________________ If yes (reason) _________________________________________________________________ Have you been convicted of a criminal offense because of the use of a check or other similar item within 24 months of making this application? ADDRESS PHONE NO. (optional) ( CITY STATE ) ZIP Main Applicant No Yes Joint Applicant No Yes Primary VISA® Applicant’s Initials / Date Joint Applicant’s Initials / Date PLEDGE OF SHARES FOR VISA® (THIS AREA MUST BE INITIALED) 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 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 Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification 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. permanent resident). INSTRUCTIONS: 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. JOINT ACCOUNT AGREEMENT The following agreement excludes funds in IRAs, HSAs, Coverdell ESAs, Certificates, and the initial Share deposit. Any joint account and all monies credited to it shall be the property of all owners of the account as joint tenants, and not as tenants in common, and the same, or any part thereof. The dividends thereon may be withdrawn upon the signature of any joint account holder, and in the case of death of any joint account holder, may be withdrawn by the survivor(s) or personal representative(s) as provided in Minnesota Statutes, Chapter 528. The whole or any part of any joint account may be withdrawn at any time by any owner of this account who shall be first to act and payment to any joint account holder upon signature alone shall be valid and full acquittance to the Credit Union. 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 made a party to litigation involving a joint account, we shall have a lien thereon for costs and reasonable attorney’s fees. If there are partnership funds in a joint account this agreement shall, in absence of a written stop order, be binding notwithstanding a separate partnership agreement. All withdrawals and deposits are subject to the Articles and By-Laws of this Credit Union.