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.