APPLICANT
Note:
All Applicable Sections Should Be Filled out Completely. If Not processing
Of Your Application May Be Delayed
CO-APPLICANT
or SPOUSE Complete
This Section Only If CO-Applicant or Spouse is Applying For Joint
Account
| *You Need
Not Furnish Alimony, Child Support or MaitaniceIncome Information
If You Do Not Want Us To Consider It In Evaluating Your Application |
|
CREDIT
INFORMATION Attach
Additional Sheet If Necessary
|
CREDIT
DISCLOSURES
| ANNUAL
PERCENTAGE RATE FOR PURCHASES |
ANNUAL
MEMBERSHIP FEE |
GRACE PERIOD
FOR PURCHASES |
METHOD
OF COMPUTING THE BALANCE FOR PURCHASES |
LATE PAYMENT
FEE |
OVER THE
LIMIT FEE |
CASH ADVANCE
FEE |
| 12.90% |
NONE |
25 DAYS |
AVERAGE
DAILY BALANCE INCLUDING NEW PURCHASES |
$15.00 |
$15.00 |
1% |
| At
the date this application was printed (shown in the lower right-had
corner-this side) the information listed above was accurate.
Because rates and terms are subject to change, you may contact
us for the current information by writing to the business reply
address. |
| A
finance charge will be imposed on Credit Purchases only if you
elect not to pay the entire new balance shown on your monthly
statement for the previous billing cycle within 25 days from
the closing date of that statement. If you elect not to pay
the entire new balance shown on your previous monthly statement
within that 25-day period, a finance chare will be imposed on
the unpaid average daily balance of such Credit Purchases from
the previous statement closing date and on new Credit Purchases
from the date of posting to your account during the current
billing cycle, and will continue to accrue until the closing
date of the billing cycle preceding the date on which the entire
new balance is paid in full or until the date of payment if
more than 25 days from the closing date. The finance charge
for a billing cycle is computed by applying the monthly periodic
rate to the average daily balance of Credit Purchases, which
is determined by dividing the sum of the daily balances during
the billing cycle by the number of days in the cycle. Each daily
balance of Credit Purchases is determined by adding to the outstanding
unpaid balance of Credit Purchases at the beginning of the billing
cycle any new Credit Purchases posted to your account, and subtracting
any payments as received or credits as posted to your account,
but excluding any unpaid finance charges. A finance charge will
be imposed on Cash Advances from the date made or from the first
day of the billing cycle in which the Cash Advance is posted
to your account, whichever is later, and will continue to accrue
on the unpaid average daily balance of such Cash Advances until
the date of payment if paid during the same billing cycle, or
until the closing date of the billing cycle preceding the date
on which the entire new balance is paid in full or until the
date of payment if more than 25 days from the closing date If
the new balance shown on your monthly statement for the prior
billing cycle is paid in full within 25 days of the closing
date of that statement, no finance charges will be imposed during
the current billing cycle for Cash Advances posted to your account
during previous billing cycles. |
|
SIGNATURE(S)
| PLEASE
READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement
is submitted to obtain credit and I/We certify that all
information herein is true and complete. I/We agree that
inquiries may be made to verify information and that credit
references or verification may be given based on inquiries
from other parties. This offer is subject to credit policies
of this institution. I/We agree to be bound by the terms
and conditions of the bank card agreement, a copy of which
will be mailed to the applicant if this application is
granted, receipt of such agreement and acceptance of such
terms to be conclusively presumed by the applicant's use.
If this is a joint application, the undersigned shall
be jointly and severally liable for any and all credit
extended from time to time. |
X__________________________________________
APPLICANT SIGNATURE DATE |
X__________________________________________
CO-APPLICANT SIGNATURE DATE |
|
|
|
TRANSFER
OF BALANCE REQUEST
|
| FOR
INTERNAL USE ONLY
|