Credit CardApplication

4321 1234 13

42 3421

4321 1234 13

42 3421

12/1412/14

Cynthia H.Cynthia H.

www.firstlightfcu.org 1-800-351-1670

El Paso Las Cruces(575) 526-4401300 E. Foster Rd.3105 Del Rey Blvd.3791 E. Lohman Ave.

(915) 562-11725050 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 variousinsurance options and coverage. The cost is reasonable.

CREDIT INSURANCE

CREDIT INSURANCE APPLICATION & SCHEDULE

"You" or "Your" means the member and the joint insured (ifapplicable). The joint insured may only be spouses orbusiness partners.

Credit insurance is voluntary and not required in orderto obtain this loan. You may select any insurer of your choice.You can get this insurance only if you check the "yes" boxbelow and sign your name and write in the date. By signingbelow you certify that:

If you elect insurance, you authorize the credit union toadd the charges for insurance to your loan each month.

You are working for wages or profit for 25 hours a weekor more on the date of the initial advance. If you are not,

that particular advance will not be insured until youreturn to work and complete an application forinsurance. If you are off work because of temporarylayoff, strike or vacation, but soon to resume, you willbe considered at work.

For Credit Life insurance, if you are not actively at workon the date of the initial advance, you have not, at anytime during the twelve (12) months immediatelypreceding the date of the initial advance, received amedical 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

EFILSMUMIXAM ECNARUSNI 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 15th day of disability.

SECONDARY BENEFICIARY(If you desire to name one)

COVERED MEMBER (Please print)COST PER $100

OF YOUR MONTHLYLOAN BALANCE

N/AMAX. MONTHLY TOTAL DISABILITY BENEFIT PER LOANMAX. AMOUNT OF LOAN INSURABLE PER LOANMAX. AMOUNT OF LOAN INSURABLE PER MEMBERMAX. AGE FOR INSURANCE 66 70

NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate forcoverage details.

MEMBER

DATE OF ISSUE OF THIS CERTIFICATE

042-0854-9ACCOUNT NUMBER

ITX404 (LASER)

DATEDATE

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

HTRIB FO ETAD S'DERUSNI TNIOJHTRIB FO ETAD S'REBMEM

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.

NoneNone

$25.00

$1.00

$25.00None

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

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved D42JI1 SEE BACK OF PAGE for more important information about your account.

F1

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

Visa Platinum Introductory

to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.

After that your APR will be to based on your creditworthiness. Visa Platinum

to 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 based on your creditworthiness. Visa Platinum CURewards

to when you open your account, based on your creditworthiness. Visa Secured

APR for Balance Transfers

APR for Cash Advances

Visa Platinum Introductory to Introductory APR for a period of six (6) billing

cycles based on your creditworthiness. After that your APR will be to based on your creditworthiness. Visa Platinum

to when you open your account, based on your creditworthiness. Visa Platinum CURewards Introductory

Introductory APR for a period of six (6) billing cycles based on your creditworthiness. After that your APR will be to based on your creditworthiness. Visa Platinum CURewards

to when you open your account, based on your creditworthiness. Visa Secured

Visa Platinum Introductory

to Introductory APR for a period of six (6) billing cycles based on your creditworthiness.

After that your APR will be to based on your creditworthiness.

3.90%

7.90% 18.00%

7.90% 18.00%

3.90% 5.90%

8.40% 18.00%

8.40% 18.00%

13.90%

5.90%

3.90%

7.90%

3.90%

18.00%

to 5.90%

3.90% 5.90%

8.40% 18.00%

8.40% 18.00%

13.90%

10.90% 18.00%

5.90%

7.90% 18. 0%

VISA SECUREDVISA PLATINUM CUREWARDS/

VISA PLATINUM

APPLICATION AND SOLICITATION DISCLOSURE

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