All residents of your county can joinFlorida Credit Union.

43RD STREET BRANCH2831 NW 43rd Street • Gainesville, FL

(352) 377-4141

13TH STREET ADVANTAGE CENTER3720 NW 13th Street • Gainesville, FL

(352) 377-4141

BUTLER PLAZA NORTH BRANCH2803 SW 42nd Street • Gainesville, FL

(352) 377-4141

HAILE MARKET SQUARE BRANCH2785 SW 91st Street • Gainesville, FL

(352) 377-4141

STARKE BRANCH2460 Commercial Drive • Starke, FL

(904) 964-1427

NORTH DELAND BRANCH1735 N. Woodland Boulevard • North DeLand, FL

(386) 738-4717

SILVER SPRINGS ADVANTAGE CENTER3504 E. Silver Springs Boulevard • Ocala, FL

(352) 237-8222

COUNTRY OAKS BRANCH9680 SW 114th Street • Ocala, FL

(352) 237-8222

MARICAMP BRANCH10 Bahia Avenue Lane • Ocala, FL

(352) 237-8222

OCALA BRANCH2424 SW 17th Road • Ocala, FL

(352) 237-8222

LAKE CITY BRANCH586 W. Duval Street • Lake City, FL

(386) 755-4141

MAILING ADDRESSP.O. Box 5549 • Gainesville, FL 32627-5549

(800) 284-1144flcu.org

Federally insured by NCUA

VISA®

CREDIT CARDS

PURCHASINGPOWER IN YOURPOCKET WITHTHE PROTECTIONOF VISA

HOW DO I TRANSFER BALANCES?

Complete the attached Balance Transfer Form.

Important: Balances cannot be transferred without complete and accurate information.

How much can I transfer? You may transfer balances up to your credit line. If your request(s) exceed the amount of your credit line, FCU will fulfill your requests in numeric order as listed in your response, may decline to process one or more requests, and/or may complete one request in a partial amount. You will be notified if for any reason we are not able to process your balance transfer request.

How long will it take to process my transfer request? After your account is opened and you receive your card(s), the balance transfer(s) will be processed within 30 days.

Important: Please continue to make payments on all your existing accounts until you confirm with your other issuer that the balance transfer payment was made. FCU is not responsible for any service charges or late fees which may be assessed on the account(s) listed for balance transfer.

How will my transfer(s) be shown on my new account? Balance transfers will be posted to your new account as an advance.

Important: No advance transaction fee will be charged. Balance transfer amounts will accrue finance charges from the date we send the transfer amount you requested to the other credit card issuer. Balances transferred are not subject to a grace period.

Will my accounts be closed after my balances are transferred to my FCU Business Visa Credit card? No. We will not automatically close these accounts for you. You may close these accounts by contacting the issuers after your balance transfer is completed. Florida Credit Union accounts are not eligible.

PAYMENT OPTIONS

Best of all, your new FCU Visa Credit Card gives you flexibility on your monthly payments. You can make your monthly payment online, by mail or in person at any Florida Credit Union branch. Also, choose your payment schedule to be made on the 7th or 21st day of each month.

Want more flexibility? You can choose to have your payment automatically deducted out of your Florida Credit Union Checking account each month in one of four ways:

1. Minimum payment* deducted depending on the credit balance owed.

2. Set dollar amount you choose to pay each month, as long as it meets the minimum payment.

3. Pay your entire credit balance in full each month.

4. Set up for bi-weekly transfers from your FCU Checking account.

APPLY TODAY

All you have to do is fill out the attached application and drop it by any Florida Credit Union branch or mail it, postage paid.

* Minimum monthly payment due is 2% of the balance owed or $20.00, whichever is greater.

Rev. 8/17

VIS

A® C

RED

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RD A

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NC

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IMIT

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D: ________________________________ T

YP

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F A

PP

LIC

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N: □

Individual □ Joint* □

Co-B

orrower*

CH

OO

SE

CA

RD

: □ V

isa W

ave

□

Visa

Pla

tinum

Rew

ard

s □

Visa

Pla

tinum

Rate

or Fre

sh S

tart V

isa (card type based on your creditw

orthiness)

□ M

anatee □ P

anther □ S

ea Turtle □

Manatee □

Panther □

Sea Turtle

* Join

t vs. Co-B

orro

wer: In a joint application, the secondary borrow

er receives benefit from the loan proceeds. The financial debts, incom

e, and assets of both the primary and secondary borrow

er will be com

bined for prequalification. In a co-borrow

er application, the secondary borrower’s debts, incom

es, and assets are segregated from the prim

ary applicant. Generally speaking, a co-borrow

er does not receive benefit from the loan

proceeds. A co-borrow

er is generally useful to increase the odds of getting a loan. A co-borrow

er should generally have a better credit history and/or is in a better financial standing than the main borrow

er.

OVE

RLIM

IT F

EE

PR

OG

RA

M□

Opt m

e in

. I would like to opt in to the O

verlimit Fee P

rogram. I understand a fee w

ill be charged if transactions that post to my credit card account cause m

y balance to go over the limit

(see Fee Schedule for current am

ount). I further understand that Florida Credit U

nion is not required to accept every transaction as a result of being enrolled in this program. The overlim

it fee w

ill be charged only once per month and w

ill be charged only if my credit card account balance goes overlim

it at any time during the m

onth.

□ O

pt m

e o

ut. I prefer to opt out of the O

verlimit Fee P

rogram. I understand transactions w

ill be denied if those transactions would cause m

y balance to go over the limit of m

y credit card account.

AP

PLIC

AN

T’S

INFO

RM

ATIO

N

Applicant’s Full N

ame

FCU

Mem

ber Num

ber S

ocial Security N

umber

Date of B

irth (MM

/DD

/YY

YY

)

Hom

e Address (no P.O

. Box allow

ed) C

ity S

tate Zip C

ode H

ow Long at A

ddress?

Previous A

ddress (if less than two years at current address)

City

State

Zip Code

Ow

n/Rent

Monthly H

ousing Paym

ent H

ome P

hone Num

ber M

obile Phone N

umber

Em

ail Address

Driver’s License or S

tate ID N

umber

Issue Date

Expiration D

ate Issue S

tate

Em

ployer’s Nam

e O

ccupation/Job Title D

ate of Hire

Em

ployer’s Phone N

umber

Em

ployer’s Address

City

State

Zip Code

Gross M

onthly Income

Other Incom

e** O

ther Income S

ource**

CO

-AP

PLIC

AN

T’S

INFO

RM

ATIO

N

Co-A

pplicant’s Full Nam

e FC

U M

ember N

umber

Social S

ecurity Num

ber D

ate of Birth (M

M/D

D/Y

YY

Y)

Hom

e Address (no P.O

. Box allow

ed) C

ity S

tate Zip C

ode H

ow Long at A

ddress?

Previous A

ddress (if less than two years at current address)

City

State

Zip Code

Ow

n/Rent

Monthly H

ousing Paym

ent H

ome P

hone Num

ber M

obile Phone N

umber

Em

ail Address

Driver’s License or S

tate ID N

umber

Issue Date

Expiration D

ate Issue S

tate

Em

ployer’s Nam

e O

ccupation/Job Title D

ate of Hire

Em

ployer’s Phone N

umber

Em

ployer’s Address

City

State

Zip Code

Gross M

onthly Income

Other Incom

e** O

ther Income S

ource**

By signing below

, you (1) apply for credit as set forth above, (2) warrant that all statem

ents in this application are true and complete and (3) acknow

ledge receipt of an agree to all terms, conditions, and disclosures of this

application, including all terms, conditions and disclosures on the reverse side.

RIG

HT T

O R

ESTR

ICT S

ER

VIC

ES A

ND

AC

CO

UN

T A

CC

ESS

You agree we m

ay, except as prohibited by applicable law, restrict, deny, suspend or term

inate one or more of our services to you and/or your access to account funds in the event you shall

fail to make tim

ely payment as provided herein or any other loan agreem

ent with us, or shall default under this or any other loan agreem

ent with us. W

ithout in any way lim

iting the foregoing, you agree w

e may, under such circum

stances and without lim

itation, restrict, deny, suspend or terminate your ability to conduct online banking transactions and/or access or w

ithdraw funds

through use of an ATM, a debit card or electronic m

eans. The exercise of rights pursuant to this paragraph shall not be construed as limiting, in any w

ay, our right to pursue other rights and rem

edies available under applicable law.

CO

NSE

NT T

O R

EC

EIV

E T

ELE

MA

RK

ETIN

G C

ALLS

By signing below

, I also authorize the credit union and persons acting on behalf of the credit union to deliver or cause to be delivered to me, and I consent to receive, advertising and

telemarketing calls and text m

essage at the telephone number(s) provided above, including calls using an autom

atic telephone dialing system and/or an artificial or prerecorded voice. I

UN

DE

RS

TAN

D A

ND

AC

KN

OW

LED

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I AM

NO

T RE

QU

IRE

D TO

SIG

N TH

IS A

UTH

OR

IZATION

AN

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ON

SE

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TO TH

IS A

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ITION

OF P

UR

CH

AS

ING

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NY

PR

OP

ER

TY, GO

OD

S O

R S

ER

VIC

ES

. I acknowledge I m

ay withhold such authorization and consent by striking through this paragraph at the tim

e of the signing of this application or w

ithdraw such consent by w

ritten notice to you at Flordia Credit U

nion, Attn: R

evoke Consent, P.O

. Box 5158, G

ainesville, FL 32627, by email to revokeconsent@

flcu.org, by telephone at (800) 284-1144 or by any other reasonable m

eans.

Applicant’s S

ignature D

ate

Co-A

pplicant’s Signature

Date

BA

LA

NC

E T

RA

NSFE

R R

EQ

UE

ST

Cre

dito

r #1

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e P

ayment A

ddress A

ccount Num

ber S

pecific Am

ount to Pay

Cre

dito

r #2

Nam

e P

ayment A

ddress A

ccount Num

ber S

pecific Am

ount to Pay

If this card application is approved, the Applicant hereby requests credit card advances to pay the follow

ing specified amounts to the third party credit card accounts specified below

. Applicant understands that Florida C

redit U

nion will not term

inate such third party credit card accounts and will not com

ply with any balance transfer request if the card application is not approved or the balance transfer request w

ould exceed the available card limit

approved by the Credit U

nion.

Applicant’s S

ignature D

ate C

o-Applicant’s S

ignature D

ate

Retu

rn a

pplic

atio

n to

any F

CU

bra

nch o

r mail to

P.O. B

ox 5

54

9, G

ain

esville

, FL 3

26

27

.

** Alim

ony, child support and separate maintenance incom

e need not be revealed if you do not wish to have them

considered as a basis for repaying this obligation.

** Alim

ony, child support and separate maintenance incom

e need not be revealed if you do not wish to have them

considered as a basis for repaying this obligation.

$ $

$ $

$ $

$

XX □ O

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$ $

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VISA®

CREDIT CARDS

PURCHASINGPOWER IN YOURPOCKET WITHTHE PROTECTIONOF VISA

VISA® CREDIT CARDSFlorida Credit Union’s value-packed Visa program is a great way to make purchases, obtain cash advances, or consolidate high-interest rate credit cards. With no annual fee and low rates, FCU’s Visa Credit Card is among the best in the market.

FCU’s Visa Credit Cards offer:

• No annual fee on most cards

• Non-variable rate options

• EMV chip technology for increased security

• Credit limits to fit your needs

• A low monthly minimum payment

• Transaction Visa Alerts sent via email and/or text

• Monthly eStatements via FCU’s Online Banking

• 25-day grace period on purchases

• No-fee cash advance options

• Online access to view your account history and pay balances

• Extra cards for family members

• Emergency card replacement

• Balance transfer opportunity

VERIFIED BY VISA

Protect yourself and your online prurchases with Verified by Visa. Using a personal password, Verified by Visa allows participating merchants to verify your identity before completing an online transaction. It’s safe, convenient, and best of all, it’s free.

Verified by Visa:

• Prevents unauthorized use of your FCU Visa Credit Card or Debit Card

• Reduces the possibility of identity theft

• Decreases the chances of fraudulent activity on your FCU Visa Credit Card account

CHOOSE YOUR CARD DESIGN

Make your card as unique as you are! FCU’s Visa programs include endangered species cards (sea turtle, manatee, Florida panther), the Visa Wave rewards card, and the option to design your own.

Want to make your FCU Visa card one of a kind? You can customize it in a few simple steps with your own photo—or choose from hundreds of images online. Give your card the exclusiveness it deserves!

VISA WAVE CREDIT CARD

Are you stuck with a credit card rewards program that doesn’t offer the rewards you’re looking for? If so, FCU’s Visa Wave Credit Card rewards program delivers perks and benefits few cards can match. The Visa Wave Credit Card offers all the features of our other Visa cards, plus:

• Cash back rewards

• Premium rewards points for merchandise, gift cards and travel

CUREWARDS®

Some FCU Visa credit card programs earn CURewards points. If you choose one of these programs, there is added benefit to using your FCU card for all your purchases. Every time you do, you’ll earn CURewards points for the dollars you spend. Redeem your points for quality gifts such as HDTVs, golf clubs, gifts cards, or even travel.

Your monthly statement will report the points you have accumulated. Also, look for CURewards gift updates in your monthly Florida Credit Union Visa statements or go to curewards.com for a complete listing of benefits and gifts.

17.9% when you open your account, based on your creditworthiness.

8.9% to 17.9% when you open your account, based on your creditworthiness.

10.9% to 17.9% when you open your account, based on your creditworthiness.

10.9% to 17.9% when you open your account, based on your creditworthiness.

8.9% to 17.9% when you open your account, based on your creditworthiness.

17.9% when you open your account, based on your creditworthiness.

None

None

1% of each transaction in U.S. Dollars

None

None

1% of each transaction in U.S. Dollars

None

None

1% of each transaction in U.S. Dollars

Up to $35.00Up to $35.00Up to $35.00

Up to $35.00Up to $35.00Up to $35.00

Up to $35.00Up to $35.00Up to $35.00

$25.00$15.00 (Priority Handling)$35.00

$25.00$15.00 (Priority Handling)$35.00

$25.00$15.00 (Priority Handling)$35.00

$25.00$15.00 (Priority Handling)$35.00

None

None

None

None

None

$100.00

None

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.If you are charged interest, the charge will be no less than $1.50.

17.9% 17.9% 17.9% 17.9%

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov.learnmore

Annual Percentage Rate (APR) for Purchases

Annual FeeTransaction Fees• Balance Transfer

• Cash Advance

• Foreign Transaction

Penalty Fees• Late Payment• Over-the-Credit Limit• Returned Payment

Other Fees• Card Replacement• Rush Mail• Balance Consolidation/

Convenience Check Stop Payment

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Account Agreement for more details.Billing Rights: Information on your rights to dispute transaction and how to exercise those right is provided in your account agreement.The information about the cost of the card described in this application is accurate as of August 2017. This information may have changes after the date. To find out what may have changed, call us at (800) 284-1144.

APR for Balance Transfers

Penalty APR and When It AppliesHow to Avoid Paying Interest on PurchasesMinimum Interest Charge

APR for Cash Advances

For Credit Card Tips form the Consumer Financial Protection Bureau

Interest Rates and Interest Charges

Fees

Visa Platinum Rewards

13.15% to 17.9% when you open your account, based on your creditworthiness. After that, your APR will vary based on the Prime Rate.

0% introductory APRfor six (6) months.

Thereafter, 13.15% to

17.9% based on your creditworthiness. This APR will vary based on the Prime Rate.

The greater of $50 or 5% of the amount of each transferThe greater of $20 or3% of the amount of each cash advance1% of each transaction in U.S. Dollars

Up to $35.00Up to $35.00Up to $35.00

None

Visa Wave Fresh Start VisaVisa Platinum RateEffective August 1, 2017

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coun

t. If

Cre

dit U

nion

dec

ides

to e

xten

d an

adv

ance

und

er a

n op

en-e

nd c

redi

t pla

n us

ing

the

Cre

dit

Uni

on’s

Cre

dit a

nd S

ecur

ity A

gree

men

t, yo

u w

ill re

ceiv

e an

d be

requ

ired

to s

ign

the

Cre

dit a

nd S

ecur

ity A

gree

men

t and

any

add

ition

al d

ocum

ents

requ

ired

by C

redi

t Uni

on. I

f Cre

dit U

nion

de

cide

s to

ext

end

a C

redi

t Uni

on c

redi

t car

d ac

coun

t, (a

) you

will

rece

ive

the

cred

it ca

rd a

ccou

nt a

gree

men

t bef

ore

you

can

rece

ive

any

adva

nces

und

er th

e cr

edit

card

acc

ount

and

(b) y

ou

agre

e th

at y

our

sign

atur

e(s)

and

you

r us

e of

the

cred

it ca

rd a

ccou

nt c

onst

itute

agr

eem

ent t

o th

e cr

edit

card

acc

ount

agr

eem

ent.

AS

A C

ON

DIT

ION

OF

CR

ED

IT U

NIO

N’S

OP

EN

ING

CR

ED

IT C

AR

D A

CC

OU

NT

AN

D Y

OU

R U

SE

OF

TH

E C

AR

D, T

HE

AP

PLI

CA

NT

HE

RE

BY

GR

AN

T T

O C

RE

DIT

UN

ION

A S

EC

UR

ITY

IN

TE

RE

ST

IN A

LL S

HA

RE

S, D

EP

OS

ITS

AN

D O

TH

ER

FU

ND

S O

N D

EP

OS

IT W

ITH

CR

ED

IT U

NIO

N IN

WH

ICH

YO

U H

AV

E A

N O

WN

ER

SH

IP IN

TE

RE

ST,

(oth

er t

han

an IR

A a

cco

unt

or

an a

cco

unt

whe

re t

his

secu

rity

inte

rest

wo

uld

cau

se t

he lo

ss o

f ta

x-ex

emp

t o

r ta

x-d

efer

red

sta

tus)

. TH

E S

EC

UR

ITY

INT

ER

ES

T F

OR

ALL

AM

OU

NT

S O

WE

D T

O C

RE

DIT

UN

ION

U

ND

ER

TH

E T

ER

MS

OF

TH

E C

RE

DIT

CA

RD

AC

CO

UN

T A

GR

EE

ME

NT.

IF Y

OU

AR

E IN

DE

FAU

LT U

ND

ER

AN

Y T

ER

M O

F T

HE

CR

ED

IT C

AR

D A

CC

OU

NT,

YO

UR

SH

AR

ES

, DE

PO

SIT

S

AN

D/O

R O

TH

ER

FU

ND

S W

ITH

OU

T N

OT

ICE

OR

DE

MA

ND

TO

YO

U A

ND

TO

AP

PLY

SU

CH

FU

ND

S T

O T

HE

AM

OU

NT

S O

WE

D T

O C

RE

DIT

UN

ION

.

Fede

ral l

aw p

rovi

des

impo

rtan

t pro

tect

ions

to m

embe

rs o

f the

Arm

ed F

orce

s an

d th

eir

depe

nden

ts re

latin

g to

ext

ensi

ons

of c

onsu

mer

cre

dit.

In g

ener

al, t

he c

ost o

f con

sum

er c

redi

t to

a m

embe

r of

the

Arm

ed F

orce

s an

d hi

s or

her

dep

ende

nt m

ay n

ot e

xcee

d an

ann

ual p

erce

ntag

e ra

te o

f 36

perc

ent.

The

rate

mus

t inc

lude

, as

appl

icab

le to

the

cred

it tr

ansa

ctio

n or

acc

ount

: Th

e co

st a

ssoc

iate

d w

ith c

redi

t ins

uran

ce p

rem

ium

; fee

s fo

r an

cilla

ry p

rodu

cts

sold

in c

onne

ctio

n w

ith th

e cr

edit

tran

sact

ion;

any

app

licat

ion

fee

char

ged

(oth

er th

an c

erta

in a

pplic

atio

n fe

es fo

r sp

ecifi

ed c

redi

t tra

nsac

tions

or

acco

unts

); an

d an

y pa

rtic

ipat

ion

fee

char

ged

(oth

er th

an c

erta

in p

artic

ipat

ion

fees

for

a cr

edit

card

acc

ount

).

Retu

rn a

pplicati

on t

o a

ny

FC

U b

ranch, fa

x to

(3

52

) 3

74

-1906 o

r m

ail t

oFlo

rida C

redit

Unio

n, P.

O. B

ox

55

49

, G

ain

esv

ille

, FL 3

2627.