VISA® Credit Card Application

** Credit Limit Requested: $
** Number of Cards Requested:

Important Instructions: Complete the "Applicant" portion to apply for credit in your name only. To apply for a joint account, you complete the "Applicant" portion, and the joint applicant completes the "Co-applicant" portion. Both applicant and co-applicant must belong to the Credit Union, and both assume responsibility for any charges made to the account. Availability of an individual account with an authorized user depends on the board policy.

Applicant Information

Last Name **	First Name **	Social Security Number **
Date of Birth **	Home Phone **	E-mail Address **
Mother's Maiden Name **	Home Address **
City **	State **	Zip **
Length of residence **		Rent Own **

** All fields marked above are required information

Employment

Present Employer	Length of Employment	Position
Employer Phone	Gross Monthly/ Yearly Income	Other Income and Source*
Time in Industry

References (related)

Name	Home Address
City	State	Zip
Home Phone

References (non-related)

Name	Home Address
City	State	Zip
Home Phone

Credit References/Assets

Mortgage (rent) Payment

Mortgage Balance Approx.

Market Value (house)

Auto Year	Make	Model	Balance Owed
Auto Year	Make	Model	Balance Owed
Other Assets (optional):

Co-Applicant Information

Name	Relationship
Social Security Number	Date of Birth
Home Address		Home Phone
City	State	Zip
Length of Residence		Rent Own
Value	Balance	Payment
Employer	Length of Employment	Employer Phone
Gross Monthly/ Yearly Income		Position
Time in Industry		Other Income and Source*
*Alimony or child support or maintenance payments are optional information and need not be revealed if the applicant does not choose to rely on such income in applying for credit.

This statement is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also authorize the Credit Union to verify or obtain further information the Credit Union may deem necessary concerning my (our) credit standing. If this application is approved and a Credit Card(s) issued, the undersigned applicant(s) by signing, using or permitting another to use the Credit Card(s) agree(s) that the applicant(s) will be bound by the terms and conditions accompanying the Credit Card(s) and all amendments. I (We) hereby acknowledge receipt of the Credit Union Credit Card Agreement and Disclosure and Billing Rights that inform me (us) of the terms, responsibilities and rights as a Credit Union Credit Card account user.

A complete description of our VISA® card program is contained in the "Hospitality FCU VISA® Cardholder Agreement and Disclosure." You may obtain a copy by writing Hospitality FCU, you need not apply first.

DISCLOSURES

Annual Percentage Rate	The Prime Rate as of April 2007 is 8.25%. The applicable rates based on this Prime Rate would range from 9.25% to 17.25%. The actual rate will be determined when the account is opened.
Variable Rate Information	Your Annual Percentage Rate may vary monthly. Depending on which percentage rate is assigned at account opening, the rate will be determined by credit history and may range from 1.0% to 9.0% above the Prime Rate, as published in the Money Rates section of The Wall Street Journal on third Thursday of each month.
Fixed Rate Information	HFCU reserves the right to change rates with a 60-day written notice.
Grace Period	25 days from statement closing date if new balance is paid in full be the due date. Cash Advances accrue interest from the date the advance is made.
Method of Computing the Balance	Average Daily Balance Method (including current transactions)
Annual Fee	None
Minimum Finance Charge	$.50 (in any month a finance charge is assessed)
Transaction Fee for Purchases	None
Transaction Fee for Cash Advances	None
Balance Transfer Fee	None
Over-the-credit-limit Fee	$20
Late Payment Fee	$20
Returned check fee	$20

Applicant Signature ___________________________________________________________________	Date __________
Co-Applicant Signature ___________________________________________________________________	Date __________

We will begin processing this request immediately after we receive it.

For your records, please PRINT a copy of this completed application before selecting the SUBMIT button