Advancial - Credit Card Application

Credit Card Application

Advancial offers a range of credit cards to meet everyone's needs. Please read the following disclosures to begin the application process. The information about the cost of the cards described below is accurate as of January 1, 2006. This information may have changed after this date. To receive the most recent information, please write to Advancial Federal Credit Union, Access Services Department, 1845 Woodall Rodgers Freeway, Suite 1300, Dallas, Texas 75201.

Fair Credit and Charge Card Disclosure

	Value MasterCard®	Rewards Visa®
Annual Percentage Rate (APR)	13.9% - Classic 11.9% - Gold 9.9% - Platinum	16.9% - Classic 14.9% - Gold 12.9% - Platinum
Balance Transfer APR	13.9% - Classic 11.9% - Gold 9.9% - Platinum	16.9% - Classic 14.9% - Gold 12.9% - Platinum
Cash Advance APR	13.9% - Classic 11.9% - Gold 9.9% - Platinum	16.9% - Classic 14.9% - Gold 12.9% - Platinum
Grace Period for Repayment of Balances for Purchases	25 Days	25 Days
Method for Compounding the Balance for Purchases	Average Daily Balance (Including New Purchases)	Average Daily Balance (Including New Purchases)
Annual Fee	None	$20 - Classic $20 - Gold None - Platinum
Minimum Finance Charge	None	None
Transaction Fee for Cash Advances	$3.00 or 2% of amount advanced, whichever is greater	$3 or 2% of amount advanced, whichever is greater
Over Credit Limit	$10.00	$10.00
Late Payment Fee	$10.00	$10.00

The information about the cost of the cards described above is accurate as of January 1, 2006. This information may have changed after this date. To receive the most recent information, please write to Advancial Federal Credit Union, Card Services Department, 1845 Woodall Rodgers Freeway, Suite 1300, Dallas, Texas 75201.

Authorizations, Terms and Conditions
You authorize us to check your employment history and obtain a credit report. We may report our credit experience with you to others.

You will receive a Cardmember Agreement and Disclosure Statement with your credit card(s). The Cardmember Agreement becomes effective and you agree to its terms by either using or authorizing the use of the card(s). You understand that the terms of your account are subject to change as provided in the Cardmember Agreement. We reserve the right to change the benefit features/services associated with your account at any time.

You certify that you are at least 18 years of age and that you have read the authorizations, terms, and disclosures contained herein. You certify that the information you provide on your application is true and complete.

Texas law will govern your agreement with us.

The type of account, APR, and credit line will be based on our review of your current credit report and information you provide on the application.