Credit Card Application 4321 1234 1342 3421 4321 1234 1342 3421 12/14 12/14 Cynthia H. Cynthia H. www.firstlightfcu.org 1-800-351-1670 El Paso Las Cruces (575) 526-4401 300 E. Foster Rd. 3105 Del Rey Blvd. 3791 E. Lohman Ave. (915) 562-1172 5050 N. Desert Blvd. Ft. Bliss - 1741 Marshall Rd. W. Beaumont MC, 1st. Floor 9993 Kenworthy St. 1555 Lee Treviño Dr. 20727 Constitution Ave. You can protect your financial future by signing up for voluntary credit insurance below. Enroll by simply indicating your preference in the "Credit Insurance Application" section below. Your credit union will be happy to explain the various insurance options and coverage. The cost is reasonable. CREDIT INSURANCE CREDIT INSURANCE APPLICATION & SCHEDULE "You" or "Your" means the member and the joint insured (if applicable). The joint insured may only be spouses or business partners. Credit insurance is voluntary and not required in order to obtain this loan. You may select any insurer of your choice. You can get this insurance only if you check the "yes" box below and sign your name and write in the date. By signing below you certify that: If you elect insurance, you authorize the credit union to add the charges for insurance to your loan each month. You are working for wages or profit for 25 hours a week or more on the date of the initial advance. If you are not, that particular advance will not be insured until you return to work and complete an application for insurance. If you are off work because of temporary layoff, strike or vacation, but soon to resume, you will be considered at work. For Credit Life insurance, if you are not actively at work on the date of the initial advance, you have not, at any time during the twelve (12) months immediately preceding the date of the initial advance, received a medical diagnosis or any care or treatment for cancer, high blood pressure or for any disease of the heart, lungs or blood vessels. You are under the Maximum Age for Insurance. Insurance will stop when you reach that age. N/A $50,000 YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S) YES E F I L S M U M I X A M E C N A R U S N I DISABILITY NO $50,000 N/A $750 $.084 $.055 $.189 JCL= SCL= SCD= JOINT CREDIT LIFE SINGLE CREDIT LIFE SINGLE CREDIT DISABILITY APP.825-0892 TX(3.53RA) If you are totally disabled for at least 14 days, then the disability benefit will begin with the 15 th day of disability. SECONDARY BENEFICIARY (If you desire to name one) COVERED MEMBER (Please print) COST PER $100 OF YOUR MONTHLY LOAN BALANCE N/A MAX. MONTHLY TOTAL DISABILITY BENEFIT PER LOAN MAX. AMOUNT OF LOAN INSURABLE PER LOAN MAX. AMOUNT OF LOAN INSURABLE PER MEMBER MAX. AGE FOR INSURANCE 66 70 NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate for coverage details. MEMBER DATE OF ISSUE OF THIS CERTIFICATE 042-0854-9 ACCOUNT NUMBER ITX404 (LASER) DATE DATE SIGNATURE OF MEMBER (Be sure to check one of the boxes above.) SIGNATURE OF JOINT INSURED (CO-BORROWER) (Only required if JOINT CREDIT LIFE coverage is selected) AGE AGE X H T R I B F O E T A D S ' D E R U S N I T N I O J H T R I B F O E T A D S ' R E B M E M X GROUP POLICY NUMBER D42JI1 Visa Platinum 18.00% when you open your account, based on your creditworthiness. Visa Platinum CURewards Introductory to Introductory APR for a period of six (6) billing cycles based on your creditworthiness. After that your APR will be to to based on your creditworthiness. Visa Platinum CURewards to when you open your account, based on your creditworthiness. Visa Secured 10.90% 5.90% 3.90% 18.00% 11.40% 18.00% 11.40% 16.90% Penalty APR and When it Applies How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than The minimum interest charge will be charged on any dollar amount. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Fees Annual Fee - Annual Fee - Visa Platinum Introductory None None - Annual Fee - Visa Platinum None - Annual Fee - Visa Secured None October 1, 2012. None None $25.00 $1.00 $25.00 None 1.00% Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee of each transaction in U.S. dollars Penalty Fees - Late P ayment Fee Up to Up to -Over-the-Credit Limit Fee - Returned Payment Fee How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Effective Date. The information about the costs of the card described in this application is accurate as of OTHER DISCLOSURES Late Payment Fee or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment. Returned Payment Fee or the amount of the required minimum payment, whichever is less. Statement Copy Fee Document Copy Fee Rush Fee Card Replacement Fee $5.00 per request $25.00 $25.00 $5.00 $5.00 $5.00 $27.50 Expedited (Right Time) Payment Fee