Jeanne D Arc CREDIT UNION

(1)

Credit Cards

PLATINUM VISA

®

CREDIT CARDS

Jeanne D’Arc

C R E D I T U N I O N

P U T S O M E C R E D I T B U I L D I N G P O W E R I N Y O U R P O C K E T W I T H A J E A N N E D ’ A R C V I S A

®

_.

It’s the best of both worlds. You get a credit card that’s accepted worldwide in millions of places from the friendly,

knowledgeable people you already know and trust. It’s also a great way for you to build your credit or transfer higher

interest rate balances. And our VISA

®

_{credit card programs offer you extra benefits that make them very smart tools. Find}

the one that works for you.

TRAVEL AND GIFT REWARDS

Earn Bonus Point rewards that you’ll be able to redeem for merchandise or travel.

C

ASH

B

ACK REWARDS

Get money credited back to your account just for making everyday purchases.

LOW FIXED RATE

Receive a competitive fixed rate based on your personal credit history.

All three of our VISA

®

_{programs offer the following additional benefits:}

• 3.99% APR

*

_{for the first 6 months}

• No Annual Fee

• No Balance Transfer Fees

• Credit Line up to $25,000

• Automatic Payment Options

• Paperless Statements

• Online Account Management with “Manage My VISA

®

_”

• VISA

®

_{Security and Protection}

• $1,000 Identity Theft Reimbursement Insurance

• Verified by VISA

®

_{(an extra layer of protection when you shop online)}

*APR = Annual Percentage Rate. 3.99% introductory APR is for the first 6 months after account opening. After that, your APR will be 7.99% to 15.99%, based on your program and creditworthiness.

Jeanne D’Arc®_{, MoneyStrong}®_{and the phrase, We Share a Common Thread}®_{, are federally registered trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express}

written permission of Jeanne D’Arc Credit Union.

FOR ADDITIONAL INFORMATION

visit JDCU.com, call us at 978-452-5001,

or stop by any of our convenient

branches or loan center to speak with a

Member Service Representative.

JDCU.com

MoneyStrong.org

WeShareACommonThread.org

Please fill out attached application and drop off at any branch.

You may also mail it to:

Jeanne D’Arc Credit Union

P.O. Box 1238

Lowell, MA 01853-9823

Or apply online at JDCU.com

Federally insured by NCUA

Shares and Deposits in excess of NCUA limits

(2)

J E A N N E D ’ A R C C R E D I T U N I O N V I S A

®

_{C R E D I T C A R D A P P L I C A T I O N}

c

I/We are applying for a Platinum credit card.

Please assign the highest credit line.

Which Program would you prefer? Please check one:

(If unchecked you will receive Travel & Gift Rewards)

c

Travel & Gift Rewards

c

CashBack

c

Rate Card

9.99%–15.99% APR* _{9.99%–15.99% APR}*_{7.99%–14.49% APR}*

Applicant’s Name: ___________________________________________________ Home Address: ______________________________________________________ City: _________________________________ State: _______ Zip: ______________ Social Security #: ____________________________________________________ Date of Birth: ________________________________________________________ Years at Residence: __________________________________________________ Home Phone #: ______________________________________________________ Cell Phone #: ___________________ Email:_______________________________ Employer: ___________________________________________________________ Length of Employment: _______________________________________________ Address: ____________________________________________________________ City: _________________________________ State: _______ Zip: ______________ Work Phone #: ______________________________________________________ Monthly Salary (Gross): $ _____________________________________________ Other Monthly Income: $ _____________________________________________ Other Monthly Income Source: ________________________________________

• Alimony, Child Support or separate maintenance need not be disclosed unless you want us to rely on it for payment.

APPLICANT’S CREDIT REFERENCE:

Current Residence: (check one) c Own c Rent c Other Mortgage Bank or Landlord:

____________________________________________________________________ Balance: $ __________________________________________________________ Monthly Payment: $ __________________________________________________ Total Monthly Obligations: $ ___________________________________________

c

I/We are applying for an increase to my/our credit limit to:

$ __________________________________________________________

My Account # is: ____________________________________________

Joint Applicant’s Name: _______________________________________________ Home Address: ______________________________________________________ City: _________________________________ State: _______ Zip: ______________ Social Security #: ____________________________________________________ Date of Birth: ________________________________________________________ Years at Residence: __________________________________________________ Home Phone #: ______________________________________________________ Cell Phone #: ___________________ Email:_______________________________ Employer: ___________________________________________________________ Length of Employment: _______________________________________________ Address: ____________________________________________________________ City: _________________________________ State: _______ Zip: ______________ Work Phone #: ______________________________________________________ Monthly Salary (Gross): $ _____________________________________________ Other Monthly Income: $ _____________________________________________ Other Monthly Income Source: ________________________________________

• Alimony, Child Support or separate maintenance need not be disclosed unless you want us to rely on it for payment.

JOINT APPLICANT’S CREDIT REFERENCE:

Current Residence: (check one) c Own c Rent c Other Mortgage Bank or Landlord:

____________________________________________________________________ Balance: $ __________________________________________________________ Monthly Payment: $ __________________________________________________ Total Monthly Obligations: $ ___________________________________________

JDCU.com | 978-452-5001 | 877-604-5328 toll-free

Federally insured by NCUA

Shares and Deposits in excess of NCUA limits are fully insured by MSIC.

(3)

For the purpose of securing credit from you, I/we certify that:

(a) The information is true and complete to the best of my/our knowledge;

(b) I/We understand that the use of the card in connection with this application will be subject to the terms and conditions of the Jeanne D’Arc VISA

®

_Credit

Card Agreement and Initial Disclosure that will be sent to me.

I/We consent to the necessary credit investigation in connection with the application and grant permission for its retention.

___________________________________________________________________________________________________________________________________________

Applicant’s Signature Date

___________________________________________________________________________________________________________________________________________

Joint Applicant’s Signature

Date

If more than one person is signing, each of you will have full and equal access to the credit extended and will be individually and jointly liable for the account.

IMPORTANT: Please read the disclosure of this application.

YOU DO NOT HAVE TO SIGN THIS AGREEMENT IN ORDER TO OBTAIN A CREDIT CARD

I/We permit Jeanne D’Arc Credit Union to deduct periodically all or a portion of any past due payment amount(s) arising from the use of this credit card

from any deposit account(s) under the name of the cardholders signing below. Such action will not be taken with respect to a disputed item if

I/we so request:

______________________________________________________________________________________________________________________________________

Applicant’s Signature Date

______________________________________________________________________________________________________________________________________

Joint Applicant’s Signature Date

FOR JEANNE D’ARC CREDIT UNION USE ONLY:

Date: _______________________________________________________

Amount: $ __________________________________________________

Approved by: ________________________________________________

(4)

* I M P O R TA N T D I S C L O S U R E S A N D C R E D I T I N F O R M AT I O N

The information on this form is accurate as of October 1, 2010 and is subject to change. To find out if any of this information has changed since that date,

call us at 1-877-604-5328 or write to Jeanne D’Arc Credit Union, P.O. Box 1238, Lowell, MA 01853.

ANNUAL FEE

None

MAINTENANCE

FEE

None

TRANSACTION

FEES

• Balance Transfer

• Cash Advance

• International

Transaction

None

2.00%

of transaction or $5 minimum; $50 maximum

With currency conversion: 1.00%

of the amount of your transaction in U.S. Dollars

Without currency conversion: 0.8%

of the amount of your transaction in U.S. Dollars

PENALTY FEES

• Late Payment

• Returned Payment

10.00%

of the New Balance; $10 maximum

Up to $25

ANNUAL

PERCENTAGE

RATE (APR) FOR

PURCHASES

3.99%

introductory APR for the first 6 months after account opening.

After that, your APR will be

7.99%

to

15.99%

, based on your program and

creditworthiness.

APR FOR

BALANCE

TRANSFERS

3.99% introductory APR for the first 6 months after account opening.

After that, your APR will be 7.99% to 15.99%, based on your program and

creditworthiness.

APR FOR CASH

ADVANCES

3.99% introductory APR for the first 6 months after account opening.

After that, your APR will be 7.99% to 15.99%, based on your program and

creditworthiness.

PENALTY APR

AND WHEN IT

APPLIES

None

HOW TO AVOID

PAYING

INTEREST

ON PURCHASES

Your due date is 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.

Cash Advances and Balance Transfers are always subject to interest charges from the

date they are posted to your account.

MINIMUM

INTEREST

CHARGE

If you are charged interest, the charge will be no less than $.50

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 Pretection Bureau at

http://www.consumerfinance.gov/learnmore

I N T E R E S T R AT E S A N D I N T E R E S T C H A R G E S

F E E S

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new

purchases).

(5)

c

YES! PLEASE TRANSFER THE BALANCE BELOW TO MY NEW JEANNE D’ARC VISA

®

_{CREDIT CARD}

Cardholder’s Name:

___________________________________________

Jeanne D’Arc Credit Card Account Number:

___________________________________________

Card Issuer___________________________________________________________________________________________Exact Amount to Pay $_______________________________

Account Number ____________________________________________________________________________________________________ _____________________________________

Payment Address ___________________________________________________________________________________________________ _____________________________________

Account Number ____________________________________________________________________________________________________ _____________________________________

Payment Address ___________________________________________________________________________________________________ _____________________________________

Account Number ____________________________________________________________________________________________________ _____________________________________

Payment Address ___________________________________________________________________________________________________ _____________________________________

Account Number ____________________________________________________________________________________________________ _____________________________________

Payment Address ___________________________________________________________________________________________________ _____________________________________

___________________________________________________________________________________________________________________ _____________________________________

Applicant Signature Date