06-2010 VISA Application 06-2010

Share Account Number:
CREDIT LIMIT REQUESTED

For APR, fees, restrictions, and other information, see reverse side. MASTER APPLICATION MUST BE COMPLETED IN INK
Applicants should complete this form as Borrower or Co-Borrower, as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrowers spouse) will be used as a basis for loan qualifications or the income or assets or the Borrowers spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of loan.
OPTION
Choose One:
VISA Platinum VISA Classic Secured
If your above option is not approved, this application also constitutes your request for an alternative Credit Card choice and/or credit limit. Number of cards requested: Print Name(s) to appear on card(s):
/
PERSONAL INFORMATION
It shall be an unlawful discriminatory practice for any creditor to do the following: Fail or refuse to print on or firmly attach to each application for credit, in a type size no smaller than that used throughout most of the application form, the following notice: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. This notice is not required in applications that have a multi-state distribution if the notice is mailed to the applicant with the notice of acceptance or rejection of the application.
LAST NAME PRESENT ADDRESS CITY, STATE, ZIP SOCIAL SECURITY NO. E-MAIL ADDRESS PRESENT EMPLOYER EMPLOYERS ADDRESS GROSS INCOME (Before Taxes) $ PER OTHER INCOME $ PER OCCUPATION SOURCE OTHER INCOME WORK PHONE & EXT DATE EMPLOYED DATE OF BIRTH FIRST NAME MI COUNTY HOW LONG? HOME PHONE NUMBER NAME (CO-APPLICANT - CO-SIGNER) PRESENT ADDRESS CITY, STATE, ZIP SOCIAL SECURITY NO. E-MAIL ADDRESS PRESENT EMPLOYER EMPLOYERS ADDRESS GROSS INCOME (Before Taxes) $ PER OTHER INCOME $ PER OCCUPATION SOURCE OTHER INCOME WORK PHONE & EXT DATE EMPLOYED DATE OF BIRTH COUNTY HOW LONG? HOME PHONE NUMBER
Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Alimony, child support, separate maintenance received under: court order written agreement oral understanding
NOTE: SELF-EMPLOYED, RETIRED, OR RECEIVING OTHER INCOME, ATTACH TWO YEARS SIGNED TAX RETURNS - ATTACH MOST RECENT PAY STUB
CREDIT INFORMATION
NAME OF CREDITOR - HOME MORTGAGE OR LANDLORD RENTING BUYING AUTO PMT PRESENT BALANCE MONTHLY PAYMENT PRESENT BALANCE MONTHLY PAYMENT NAME OF CREDITOR - HOME MORTGAGE OR LANDLORD RENTING BUYING AUTO PMT PRESENT BALANCE MONTHLY PAYMENT PRESENT BALANCE MONTHLY PAYMENT
REFERENCES
NAME OF RELATIVE NOT LIVING WITH YOU ADDRESS RELATIONSHIP PHONE NUMBER PHONE NUMBER NAME OF RELATIVE NOT LIVING WITH YOU ADDRESS PERSONAL FRIEND NOT RELATED TO YOU ADDRESS RELATIONSHIP PHONE NUMBER PHONE NUMBER
PERSONAL FRIEND NOT RELATED TO YOU ADDRESS
ARE ANY OF YOUR DEBTS PAST DUE?
Yes No
HAVE YOU EVER HAD YOUR AUTO, FURNITURE, OR PROPERTY REPOSSESSED?
Yes No
HAVE YOU EVER DECLARED BANKRUPTCY?
Yes No
ARE YOU CURRENTLY A CO-SIGNER ON A LOAN?
Yes No
ARE ANY OF YOUR DEBTS PAST DUE?
Yes No
HAVE YOU EVER HAD YOUR AUTO, FURNITURE, OR PROPERTY REPOSSESSED?
Yes No
HAVE YOU EVER DECLARED BANKRUPTCY?
Yes No
ARE YOU CURRENTLY A CO-SIGNER ON A LOAN?
Yes No
NOTICE TO CO-SIGNER
NOTICE TO COSIGNER: You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The Credit Union can collect this debt from you without first trying to collect from the borrower. The Credit Union can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become part of your credit record. This notice is not the contract that makes you liable for the debt.
SIGNATURE(S) TO OBTAIN CREDIT

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 the 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 applicants 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. BY SIGNING BELOW: I/we pledge and grant to Hancock Federal Credit Union a security interest in all present and future sums deposited into my/our Credit Union account(s). Also, if I/we have other loans with you, now or in the future, collateral securing those loans may also secure my/our VISA and/or MasterCard Credit Card Account obligations. I/we understand that the use of my/our Credit Card Account will constitute my/our agreement to the above terms. SIGNATURE OF APPLICANT DATE SIGNATURE OF CO-APPLICANT (CO-SIGNER) DATE
x
CREDIT CARD ACCOUNT NO. DATE APPROVED / DISAPPROVED CREDIT LIMIT $ Revised 06/16/2010 APPROVED RATE BY REVIEWERS COMMENTS
FOR INTERNAL USE ONLY
BY
FOR INSURANCE ENROLLMENT ONLY

YES, please enroll me in the CHARGEGUARD 2000 credit insurance. I understand it is not required to obtain credit and will not be provided unless I sign and agree to pay the additional cost. Coverages, benefits, exclusions, and rates vary by state. I have received a copy of the SUMMARY OF INSURANCE COVERAGES.
X Primary Cardholder Birth Date
X Secondary Cardholder Birth Date
Pay By Mail Via Your Monthly Statement Pay On-line Through www.eZCardinfo.com
VISA PLATINUM W/Scorecard Points *8.99% - 12.48% APR

Balance Transfers: 8.99% - 12.48% APR Cash Advances: 8.99% -12.48% APR
*VISA SECURED 14.90% APR

Balance Transfers: 14.90% APR Cash Advances: 14.90% APR
*This card does not earn scorecard points.
*Rates based upon credit history and resulting credit limit.

INTEREST CALCULATION METHOD:
Application of the monthly periodic rate to the average daily balance, which is determined by dividing the sum of the daily balance by the number of days in the billing cycle. none 25 days none
Fees
Annual fee Balance transfer fee Over limit fee Cash advance fee Late charge fee none none none
MINIMUM FINANCE CHARGE: GRACE PERIOD: PENALTY RATE:
$3.00 $25.00
This disclosure is accurate as of June 2010. The terms are subject to change after that date. Please contact the credit union at P.O. Box 1623, Findlay, Oh 45839-1623 for any changes.
_______________________________ _______________________________ _______________________________
Place Stamp Here
Hancock Federal Credit Union P.O. Box 1623 Findlay, OH 45839-1623
Our members deserve platinum!
1701 East Melrose Avenue Or 125 Trenton Avenue
www.hancockfcu.com
Findlay, Ohio 45840 419-424-0163

06-2010 VISA Application 06-2010

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06-2010 VISA Application 06-2010

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Share Account Number:

CREDIT LIMIT REQUESTED

PERSONAL FRIEND NOT RELATED TO YOU ADDRESS

ARE ANY OF YOUR DEBTS PAST DUE?

HAVE YOU EVER HAD YOUR AUTO, FURNITURE, OR PROPERTY REPOSSESSED?

HAVE YOU EVER DECLARED BANKRUPTCY?

ARE YOU CURRENTLY A CO-SIGNER ON A LOAN?

ARE ANY OF YOUR DEBTS PAST DUE?

HAVE YOU EVER HAD YOUR AUTO, FURNITURE, OR PROPERTY REPOSSESSED?

HAVE YOU EVER DECLARED BANKRUPTCY?

ARE YOU CURRENTLY A CO-SIGNER ON A LOAN?

SIGNATURE(S) TO OBTAIN CREDIT

FOR INTERNAL USE ONLY

FOR INSURANCE ENROLLMENT ONLY

X Primary Cardholder Birth Date

X Secondary Cardholder Birth Date

VISA PLATINUM W/Scorecard Points *8.99% - 12.48% APR

*VISA SECURED 14.90% APR

*Rates based upon credit history and resulting credit limit.

MINIMUM FINANCE CHARGE: GRACE PERIOD: PENALTY RATE:

_______________________________ _______________________________ _______________________________

Place Stamp Here

Hancock Federal Credit Union P.O. Box 1623 Findlay, OH 45839-1623

Our members deserve platinum!

1701 East Melrose Avenue Or 125 Trenton Avenue

Findlay, Ohio 45840 419-424-0163

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