Visa Disclosure
 
Disclosure Table for Earthmover Credit Union
TYPE OF
ACCOUNT
VISA PLATINUM
PREFERRED VARIABLE
VISA PLATINUM PREFERRED FIXED VISA PLATINUM, T.I.P., & SECURED*
Annual Percentage Rate (APR)
for purchases, cash advances, and balance transfers
7.25%
VARIABLE APR***
12.50%
FIXED RATE APR
13.80%
FIXED APR
PENALTY APR
See explanation
below**
19.80% APR 19.80% APR 19.80% APR
VARIABLE - rate
information
Your APR may
vary. See explanation
below***
N.A. N.A.
Method of computing
the balance
for purchases
Average daily balance (including purchases)
Annual Fee NONE
Minimum Finance
Charge
NONE
Transaction Fee
for purchases
NONE
Transaction Fee
for cash advances
NONE
Late payment fee: $29.00
Over-the-credit-limit fee: $29.00
Non-Sufficient Funds Fee: $29.00
Grace Period 25 Days
Foreign Transaction Currency Exchange Rate Effective April 1, 2005, the exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Service Assessment transaction fee (ISA).

*Compensating balance equal to credit limit is required
** If your Visa account is 30 days past due two times within any six month period, the annual percentage rate on all balances / (purchases, transfers and cash advances) on your Visa account will change to 19.80% annual percentage rate (APR). The monthly periodic rate is 1.65%. Members must wait one year before requesting a credit union review to reinstate their original APR.
*** The rate is determined monthly by adding 2.0% to the Prime Rate. The Prime Rate used to determine your APR is the rate published in the Wall Street Journal on the first day of the second billing cycle after the end of each calendar quarter. Prime rate is 5.00% as of 6/25/08. APR cannot go below 7%. Maximum APR 18%.

I Agree, and have read and printed off a copy for my records.

SIGNATURES: By transmitting this application to the Credit Union by mail, by fax, electronically, or by other means, I (we) certify that the information I (we) have provided is accurate and complete and that I (we) have not omitted any material information. This statement is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (we) also authorize the credit union to verify or obtain further information the credit union may deem necessary concerning my (our) credit standing. If this application is approved and a credit card(s) issued, the undersigned applicant(s) by signing, using or permitting another to use the credit card(s) agree(s) that the applicant(s)will be bound by the terms and conditions of the VISA card agreement including the payment of all fees and other charges applicable to the account. "I (We) agree to pay the credit union all reasonable costs the credit union incurs to collect debts incurred under my (our) VISA agreement with the credit union, or realize on any security, including reasonable attorneys fees, court costs, and collection agency fees to the extent allowed by applicable laws or regulations." The VISA card agreement will be furnished to me (us). Should my (our) application for VISA Gold be denied, my (our) signature below constitutes my (our) application for VISA Classic or Secured.

SIGNATURE X_______________________________________________DATE__________
MEMBER NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)
CO-APPLICANT'S SIGNATURE X___________________________________DATE__________
CO-APPLICANT'S NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)

Pledge of Shares (must be signed in order to issue card)
By signing below, you pledge to us, Earthmover Credit Union, and grant to us security interest in all of your shareholdings with us including paid shares and future payments on shares, to secure your credit card account with us. You authorized us to apply these shareholdings to pay any amounts due on the account or under this agreement if you should default. Collateral securing other loans with the credit union will also secure this loan.

Signature X___________________________
Co-Applicants Signature X_________________________

Please provide all of the requested information. When you have completed the form, press the "Send Application" button to send your application to Earthmover Credit Union for processing. The data will be transferred using our Secure Server. If you do not have an HTTPS compatible browser, you may simply print this form and fax it to 630-844-0732 - or, mail it to us at:

Earthmover Credit Union
PO Box 2937
Aurora, IL 60507
Attn: Loan Department

Married applicants may apply for individual credit. Complete spousal information only if you are a resident of a community property state (CA, AZ, ID, NV, WI, LA, WA, NM, TX) or if you are relying on income or applying for joint credit with a spouse. Indicate marital status if applying for secured credit or residing in a community property state.

Income from alimony/child support or separate maintenance income need not be revealed if you do not wish to have the credit union consider as a basis for repaying this obligation.

If you are relying on income from alimony, child support or separate maintenance, complete the CO-Applicant section to the extent possible about the person on whose payments you are relying.

 
Earthmover Credit Union: (630) 844-4950
Fax: (630) 896-1489,
Branch Locations