A Unique Offer for International Nooglers

Transcription

1 Noogler Starter Kit A Unique Offer for International Nooglers Visa Platinum Rewards credit card Congratulations on your new position with Google. One of the many fantastic benefits included in your Google employment is Alliant Credit Union. As you settle into your new location in the U.S., you have many things to think about. Alliant Credit Union recognizes the challenges of establishing U.S. based financial accounts with little to no U.S. credit history. We ve created the Noogler Starter Kit to help. As an international Noogler, you are eligible for our three-part unique offer: Free membership Free Checking with direct deposit FREE MEMBERSHIP Visa Platinum Rewards credit card 1 Free checking 2 with direct deposit It s easy to apply Follow these three easy steps. Step 1 Complete and sign the Membership Enrollment Agreement to open a savings and checking account. IMPORTANT: The following information is required on the Membership Enrollment Agreement Social Security Number (SSN) or Individual Tax Identification Number (ITIN). Please complete the included W-8BEN Form only if you do not have a SSN or ITIN yet. Local U.S. street address. (P.O. Boxes are not accepted.) If you wish to have account correspondence sent elsewhere, you may provide an alternate address. Step 2 Complete and sign the Visa Credit Card Application. Receive an Alliant Visa Platinum Rewards credit card with a low introductory rate for 12 months on purchases and balance transfers. 1 After that, a variable rate based on your creditworthiness will apply to any unpaid balances from the introductory period and all new transactions. 1,3 You will receive a credit line equal to 5% of your base salary up to a maximum of $5, For example, if your base salary is $80,000, you will be eligible for a $4,000 credit line. Earn Alliant Rewards points 4 that can be redeemed for Cash Back credit, 5 merchandise, travel and more. As a new cardholder, earn 10,000 bonus points after you use your card to make $500 or more in purchases during the first 90 days your account is opened. 6 Step 3 Mail completed forms and required documents to: Alliant Credit Union Attention: Noogler Kit 700 Concar Drive San Mateo, CA

2 What you can expect to happen next Once your Alliant membership is established, you will receive a secured welcome with your new Alliant member account number. If there are any questions or additional information needed to process your application, you will be contacted by an Alliant representative from our local San Mateo branch. For more information on Alliant, check out go/alliant on your intranet. You will receive the following by mail: Alliant welcome packet with your new member account number, membership reference card and information on Alliant Online Banking and Bill Pay 7 Alliant Visa Debit card Alliant Visa Platinum Rewards credit card Questions? We have a team available to answer your questions. GRP-SanMateo@alliantcreditunion.com Phone: BE SURE TO INCLUDE THE FOLLOWING DOCUMENTS: Signed Membership Enrollment Agreement Signed Visa Credit Card Application Photocopy of your current valid Passport or other eligible photo ID Proof of your U.S. address/residency such as a utility bill/lease agreement or Google corporate housing letter Proof of Google salary (your offer letter or pay stubs will be accepted) Copy of your current work VISA W-8BEN Form (if applicable) * Memberowned financial cooperative GREAT RATES, EASY ACCESS 700 Concar Dr. San Mateo, CA alliantcreditunion.org/google Friendly, efficient, personalized service 2015 Alliant Credit Union. All Rights Reserved. SEG860.5-R04/15 * If you have applied for a Social Security Number (SSN), but have not yet received it, a W-8BEN form must be completed and signed. Once you receive your SSN, you will need to contact Alliant to update your account. Offers expire March 31, Subject to approval. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. International Nooglers will be eligible for a credit line equal to 5% of your base salary up to a maximum of $5,000. Higher limits may be offered at the discretion of Alliant Credit Union. The introductory rate on purchases and balance transfers is good for 12 billing cycles from the date that your new Alliant Credit Union Visa credit card is opened. After the twelfth billing cycle, your APR will adjust to your qualifying standard variable rate, which will apply to all new purchases and new balance transfers and all unpaid purchase and balance transfer balances remaining from the introductory period. Refer to the Visa credit card agreement for more information. Introductory rate and incentive offers, including bonus points, are not available to those members who in the previous six months have had (i) an open Alliant Visa credit card account or (ii) an outstanding balance on a closed Alliant Visa credit card account. We may not extend credit to you if you do not meet Alliant criteria. 2 Alliant checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule at for a list of these types of fees. 3 After the introductory period, any remaining unpaid balances and new transactions will be at your low variable rate. You will have no less than a 25-day grace period on new purchases and balance transfers posted to your account during a billing cycle. Such transactions will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle or you paid the entire New Balance on the previous cycle s billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase or balance transfer is posted to your account. To avoid an additional finance charge on the balance of purchases and balance transfers, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement or 25 days from the statement closing date listed on that statement, whichever is longer, or you may lose the grace period on new purchases. Refer to the Alliant Credit Union Visa Disclosure for more information. 4 See enclosed Alliant Credit Union Visa Disclosure for more information. 5 Cash Back option is redeemable as an account credit to your Alliant Credit Union Visa Platinum Rewards credit card account balance. 6 To earn the 10,000 bonus Alliant Rewards points, new cardholder must spend $500 or more in qualifying purchases on his/her Alliant Credit Union Visa Platinum Rewards credit card during the first 90 days the account is opened. Points will be awarded and posted to the account, if applicable, by the fourth billing cycle after the account is opened. 7 Alliant checking and Bill Pay are free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule at www. alliantcreditunion.org for a list of these types of fees. Account is subject to approval. 2

3 Visa Credit Card Application Print clearly in black ink only and initial any changes to this form. 9. Account Selection P o Visa Credit Card Platinum Rewards 10. Applicant Information First Name Middle Name Last Name $ $ Gross Monthly Income Other Income Source of Other Income 1 1 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. $ o Rent or o Own Monthly Housing Payment Yrs at Current Residence Cards for Authorized User: Name of Authorized User Relationship To add Joint Owner, go to alliantcreditunion.org. 11. Visa Payment Method Please check preferred method A, B or C A o Automatic payment from an Alliant Credit Union account Account type to be debited: o Alliant savings or o Alliant checking Member Account Number Account ID B o Automatic payment from another financial institution Account type to be debited (check one): o savings or o checking Financial Institution Account Number Routing & Transit/ABA# (located on bottom of checks or deposit slips) If you selected method a or b, check one box from below to designate the amount of payment for your credit card that should be deducted monthly: o The minimum payment indicated on my periodic statement. The greater of $25 or 3% of the unpaid balance plus any amount by which my balance exceeds my credit limit. o The total unpaid balance. o The fixed amount to be withdrawn monthly is $ A fixed amount greater than the minimum scheduled payment. C o Payment by monthly billing Save time and ensure your payment is received on time when you select an automatic payment option. NOTE: It may take up to two billing cycles to set up the ACH Debit on your account. You should make all required payments until you confirm that the ACH Debit has been set up. Debits will take place two days prior to the due date of your Alliant Visa as indicated on your monthly statement. 12. Visa Agreement and Signatures By signing below, I represent that I (the applicant or applicants) am the borrower and everything I have stated in this application is true, complete, and correct to the best of my knowledge and may be relied upon in evaluating this credit request. I agree to all account terms as published in the Visa Credit Card Agreement and the terms on the reverse of this application. I understand that it may be a federal crime punishable by fine or imprisonment or both to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by the National Credit Union Administration. I understand that Alliant Credit Union (Alliant) will retain this application whether or not the application is approved. X Applicant Signature (required) Date X Joint Applicant Signature (required if applicable) Date I agree to the terms and conditions of the payment method I selected and I agree to accept information regarding this Visa credit card via at the address provided herein. I authorize Alliant to check my employment history, obtain my credit report, and to answer questions about its credit experience with me. The minimum approved credit line is $500. Alliant Credit Union maintains the right not to open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if I do not meet Alliant Credit Union s standards for creditworthiness; b) my name and/or mailing address have been altered; c) my income reported on the application is insufficient to support the opening of this account; or d) I do not meet Alliant membership eligibility requirements. I understand I have the right to review my credit history by contacting the credit reporting agencies. I understand the credit line and the terms of my account will be based on a review of the information I provided in this application, my current credit report and any other information bearing on my creditworthiness. Maximum credit line will be issued based on credit qualifications. FOR APPLICATIONS WHERE AUTOMATIC PAYMENT FROM AN ALLIANT ACCOUNT IS SELECTED: I understand that I will be responsible for making sure there are sufficient funds in my account on the autopay date as indicated on my credit card statement. FOR APPLICATIONS WHERE PREAUTHORIZED PAYMENT FROM AN ACCOUNT HELD AT ANOTHER FINANCIAL INSTITUTION IS SELECTED: I authorize Alliant Credit Union (Alliant) to initiate debit and credit entries via Electronic Funds Transfer through the Automated Clearing House (EFT-ACH) on my account at the depository financial institution listed herein to pay my Alliant Visa credit card. I further authorize Alliant to perform any necessary correction entries, as needed, to my account at the depository financial institution listed herein to pay my Alliant Visa credit card. I understand and agree that I must allow Alliant 30 calendar days to process and initiate the EFT- ACH payment for my Visa credit card, and that my Visa credit card payments are due by the date(s) specified in my Visa credit card agreement; the EFT-ACH payment method does not, in any way, alter or change the obligations and/or requirements for payment of my Visa credit card. If the interest rate changes or if I take an advance against any line of credit (if applicable), I understand and agree that my EFT-ACH payment will be updated to reflect the change(s), per my Visa credit card agreement. I understand and agree that if my account at the depository financial institution I listed in section 11 does not have sufficient funds to make my Visa credit card payment, Alliant will not be responsible or liable for any penalties or charges assessed by any other financial institution as a result of such insufficiency. I acknowledge that, in the event Alliant s attempt to collect my payment via EFT-ACH is unsuccessful, I must make my Visa credit card payment by other means. I understand that Alliant will assess a fee to my Visa credit card(s), in addition to any other fees and/or charges, as a result of my account at the depository financial institution listed having insufficient funds. Refer to the Visa Credit Card Agreement at for a list of fees. Failure to make a successful Visa credit card payment via ACH three consecutive months may result in an automatic revocation of the ACH by Alliant. I agree to notify Alliant in writing at least 30 days in advance to cancel this EFT-ACH payment authorization. In all instances, if my Visa credit card becomes delinquent after five days, a late fee may be assessed on the next statement cycle date. Refer to the Visa disclosure at Also complete and sign the Membership Enrollment Agreement on the opposite side. 1 Applicants must meet eligibility requirements for Alliant membership. Please visit for details regarding Alliant membership eligibility. 2 The complimentary $5 savings deposit will be deposited directly into your new Alliant savings account. One complimentary $5 savings deposit per new member. Member will forfeit the complimentary $5 savings deposit if account is closed within 90 days of establishing Alliant membership. 3 High Rate Checking Dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive estatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn a dividend. Alliant checking is free; however, if incurred, fees such as a stop payment fee or NSF fee will apply. Please refer to the Fee Schedule at for a list of these types of fees. 4 A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule at To avoid the paper statement fee, log in to Alliant Online Banking at to change your statement preference to estatements. 5 Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks when you use your Alliant Convenience card, Alliant Visa HSA debit card or Alliant checking account Visa debit card. Alliant will rebate fees incurred at other nonsurcharge-free ATMs up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Convenience card, Alliant Visa HSA debit card and Visa International Service Assessment (ISA) fees. To designate a beneficiary(ies) to your account, log in to Alliant Online Banking, click Options next to the account that you wish to add a beneficiary(ies) to, then select Account Details and Manage Beneficiaries. COMPLETE AGREEMENT AND RETURN: Alliant Credit Union Attention: Noogler Kit 700 Concar Dr. San Mateo, CA Concar Dr. San Mateo, CA alliantcreditunion.org/google (24/7) 2015 Alliant Credit Union. All Rights Reserved. FOR MORE INFORMATION: Call (24/7) TDD/TTY (Mon. Fri., 7am to 7pm CT) SEG860.2-R04/15 Membership Enrollment Agreement and Credit Card Application Complete all sections on both sides, then sign and date in Section #8 and Section #12. All fields are required unless noted. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT In accordance with the USA Patriot Act (Section 326): To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. Therefore, when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will ask to see your driver's license and/or other identifying documents. If you have ever established a Fraud Victim Alert If at any time you and/or the Joint Owner(s) on your account (if applicable) established a Fraud Victim Alert with a credit bureau, please include a photocopy of three forms of identification for each owner on the account, one from each of the categories below: Valid government- or state-issued photo identification such as: U.S. driver s license, state ID, Passport Documentation verifying your home address such as: utility bill, lease agreement U.S. government- or state-issued personal documentation such as: social security card, birth certificate, permanent resident card Please check this box if you have a Credit Freeze on your account. An Alliant Account Services Representative will contact you upon receipt of your Membership Enrollment Agreement so you can remove your credit freeze and complete the enrollment process. For office use only Member Account Number The applicant's information provided on this form and corresponding photo identification were collected and verified in accordance with the U.S. Patriot Act by Promo Code: SEG860

4 Please print clearly in black ink only and initial any changes to this form. Membership Agreement 1. Membership Eligibility 1 Please check one o I am an employee of Google 2. Account Selection Receive a complimentary $5 initial savings deposit when you open savings. 2 P o Savings Membership requires a savings account. Po Free Checking 3 Available to members age 18 and older. Includes a free Visa Debit Card (issued to all owners) and the first box of standard checks is free. 3. Primary Owner Information *U.S. Citizen or U.S. Person (including a U.S. Resident Alien) o Yes o No First Name Middle Name Last Name Social Security Number/ITIN Date of Birth Street Address (include unit # - PO Box not accepted) City State/Province Zip Code/Postal Code Country Home Phone Cell Phone (optional) Employment Status: o Employed o Homemaker o Retired o Self-employed o Student o Unemployed Occupation Employer Name Employer City, State and Country Work Phone (optional) ID# (e.g., U.S. Driver s License, State or Military ID, or a Passport) Issuing State/Country (not required if Primary Owner is under age 16) Issue Date Expiration Date Mother s Maiden Name (required) o Yes, I want to provide an alternate mailing address (PO Box accepted. If selected, all account correspondence will be mailed to this address.) Address (include unit #) City State/Province Zip Code/Postal Code Country 4. Joint Owner Information Please add this Joint Owner to: o Savings o Checking U.S. Citizen or U.S. Person (including a U.S. Resident Alien) o Yes o No First Name Middle Name Last Name Social Security Number/ITIN Date of Birth Street Address (include unit # - PO Box not accepted) City State/Province Zip Code/Postal Code Country Home Phone Cell Phone (optional) Employment Status: o Employed o Homemaker o Retired o Self-employed o Student o Unemployed Occupation-if retired, previous occupation Employer Name-if student, school name Employer/School City, State and Country Work Phone (optional) (required if Primary Owner is under age 18) ID# (e.g., U.S. Driver s License, State or Military ID, or a Passport) Issuing State/Country Issue Date Expiration Date Mother s Maiden Name (required) 5. Account and Statement Options YES NO o o Free Checks Your first box of standard checks is free. Style: o Duplicate or o Single Check Starting Number (use 101 or higher) Please check additional information to be printed on checks: o Name of Joint Owner o Address of Primary Owner o Home Phone Number of Primary Owner o Driver s License Number of Primary Owner o o Visa Debit Card Free access to your Alliant savings and checking account at Alliant-preferred surcharge-free ATMs. Plus, if you use another bank s ATM, we will rebate their fee up to $20 per month. 5 Card is available to members age 13+ with an Alliant savings and checking account. o o Checking Account Overdraft Protection Transfer money from my savings account only (subject to overdraft transfer fee). Note: Printed checks and card(s) will be mailed to the address on record for the Primary Owner listed in Section Free estatements You will automatically receive paper statements for a nominal fee as per the Fee Schedule. Go to Alliant Online Banking to switch to free estatements and avoid the paper statement fee Direct Deposit Authorization Once your accounts are opened, please visit go/hr to update your direct deposit information by providing the Alliant Routing & Transit/ABA# ( ) and your Alliant 14-digit checking account number and account type. When you have a recurring Direct Deposit to your checking account and opt out of receiving paper statements (receive estatements only), you ll automatically be upgraded to Free High Rate Checking. 7. Additional Deposit/Funding to checking or savings (Optional) Receive a complimentary $5 initial savings deposit when you open an Alliant savings account. 2 To make an additional deposit to your new account(s), please indicate below. If you do not qualify for a checking account, your total initial deposit, if applicable, will be deposited into your savings account. o Check or Money Order payable to Alliant Credit Union enclosed for deposit to: Savings $ and/or Checking $ 8. Signatures and Agreements for Alliant membership By signing this agreement, I/we certify that I/we am/are eligible for membership in Alliant Credit Union (Alliant) as noted herein, all information is complete and correct, I/we agree to all account terms as published following the signature lines below and on the reverse side, and I/we agree to follow Alliant s bylaws and amendments and subscribe for and maintain at least one share ($5.00). *If you are not a U.S. Citizen or other U.S. Person including a U.S. Resident Alien, check the following box o to designate your denial of Form W-9 Certification and to request IRS Form W-8BEN which must be completed and returned to Alliant Credit Union. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. Include a photocopy of valid U.S. government- or state-issued photo ID or a Passport with documentation verifying the home address, such as a utility bill or lease agreement, for all owners age 18 and older on the account who are not currently members of Alliant Credit Union. X Primary Owner Signature (required) Date X Joint Owner Signature (required if applicable) Date Important: To avoid processing delays, Non-U.S. Citizens or Non-U.S. Persons (including a Non-Resident Alien) should complete and return a W-8BEN form (available at with your completed Membership Enrollment Agreement. I/We agree that the terms of this Membership Enrollment Agreement and the Membership and Account Agreement and Fee Schedule as provided to me/us upon account opening constitute a contract between Alliant and me/us, subject to state and federal laws and the Uniform Commercial Code, as adopted in the state of Illinois. I/We agree to accept information regarding my/our account(s) via at the address provided herein. I/We further acknowledge that by signing this agreement, the Primary Owner will have access to his/her authorized Alliant accounts through all electronic means offered by Alliant. I/We further acknowledge that a Visa debit card or Convenience card will be issued to the checking or savings account if I/we selected it and qualify. I/We authorize Joint Owner access to member savings through Visa debit card or Convenience card transactions and/or Overdraft Protection, if applicable. If I/we do not select or qualify for a checking account, my/our additional deposit, if applicable, will be deposited into my/our savings account. Revocable Proxy: I/We do hereby appoint the Board of Directors of Alliant, who are the qualified and acting directors at the time this proxy is used, as proxies to vote for the election of directors, proposals for mergers or voluntary dissolutions, the share(s) of Alliant now or hereafter owned or held by me/us, as the said directors or a majority of them see fit, at all annual or special meetings of the members of Alliant hereafter held and any adjournment thereof, from time to time and year to year, until and unless this proxy is cancelled by me/us. I/We understand that the proxy appointment is voluntary and not a condition of membership. By checking this box o, I/we deny the proxy provision and opt to vote my/our shares by attending the Annual Meeting of Shareholders held in Chicago, Illinois, during the first quarter of each year. Consumer Report and Credit Report Agreement: I/We authorize Alliant to obtain information from a consumer reporting agency and to obtain copies of my/our credit reports, now and in the future, in order to determine my/our eligibility for membership and products and services offered by or through Alliant, regardless of whether I/we have applied for the product or service. Substitute W-9 Form: Under penalties of perjury, I certify that (1) The number shown on this form is my correct taxpayer identification number, and (2) I am not subject to backup withholding either because (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) The IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. Person (including a U.S. Resident Alien). (Note: You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding.) Checking Overdraft Protection: If I/we select overdraft protection, funds, if available, will be drafted from my/our savings account in the event of an accidental overdraft. There will be a nominal overdraft transfer fee charged. I/We understand that certain transactions from my/our savings account may be limited by federal regulations. As a result, if I/we reach these limitations in a given month, overdraft transfers may not be authorized. Refer to the Fee Schedule at for a list of these types of fees. Account Designation: If I/we do not select a Joint Owner on my/our checking account, in the event of death, funds will be transferred to my/our primary savings account and paid to the Joint Owner (if applicable) or to the beneficiary(ies) named on the primary savings account. Don t forget to include a photocopy of valid U.S. government- or state-issued photo ID or a Passport with documentation verifying the home address, such as a utility bill or lease agreement, for all owners age 18 and older on the account. For more information on Alliant, check out go/alliant on your intranet. Also complete and sign Visa Credit Card Application on the opposite side. SEG860.2-R04/15

5 Introductory rate and incentive offers, including bonus points, are not available to those members who in the previous six months have had (i) an open Alliant Visa credit card account, or (ii) an outstanding balance on a closed Alliant Visa credit card account. Alliant Credit Union Visa Disclosure Visa Platinum Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 5.99% introductory APR for 12 billing cycles from the date of account opening based on your creditworthiness. After that, or if you do not qualify for the introductory rate, your APR will be 11.24% to 23.24% for Platinum Rewards based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Annual Percentage Rate (APR) for Cash Advances 18.24% to 23.24% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 24.24% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for the reason stated above, the Penalty APR will apply until you make six consecutive minimum payments when due. 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 $1.00. 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 Protection Bureau at Fees Annual Fee Transaction Fees Balance Transfer Cash Advance Foreign Transaction None. None. Either $10 or 2% of the amount of each cash advance, whichever is greater. 1% of each transaction where the merchant country differs from the country of the card issuer. Penalty Fees Late Payment Up to $25. Other Fees Document Copy Fee $5 for each copy of a sales draft or statement requested. Card Replacement Fee $10 per card. How We Calculate Your Balance: We use a method called Average Daily Balance (including new purchases and cash advances). (See the Visa credit card agreement for details.) Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a late payment. ***Your Annual Percentage Rate may vary quarterly and is based on the Prime Rate. Your rate is determined by adding a margin of: 7.99% to 19.99% on Purchases and Balance Transfers for the Platinum Rewards card, and 14.99% to 19.99% on Cash Advances and 20.99% on Penalty to the Prime Rate for the Platinum Rewards card. The Prime Rate Index used to determine your APR is the highest rate published in The Wall Street Journal during the last business day of the previous calendar quarter (March, June, September and December) and changes are effective as of the 1st day of your next billing cycle. Current U.S. Prime Rate of 3.25% as of March 31, (See the Visa credit card agreement for complete details.) SEG860.4-R04/15

6 TERMS AND CONDITIONS The introductory Annual Percentage Rate (APR) will apply to purchases and balance transfers made during a promotional period of 12 billing cycles from the opening of your Visa account. After this promotional period ends, your standard variable APR will apply to any remaining balance and to all new purchases and balance transfers. The terms of this introductory rate may not be applied to existing Alliant Credit Union Visa accounts. This promotional introductory offer is based on meeting Alliant Credit Union s criteria for creditworthiness. Alliant Credit Union will review your credit and employment history and any other information afforded to Alliant Credit Union by law in order to process your application. The credit line on this account will be determined after a review of your application by Alliant Credit Union and will be based on various factors, including income. The minimum approved credit line is $500. Alliant Credit Union maintains the right not to open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet Alliant Credit Union s standards for creditworthiness; b) your name and/or mailing address have been altered; c) your income reported on the application is insufficient to support the opening of this account; or d) you do not meet Alliant membership eligibility requirements. You have the right to review your credit history by contacting the credit reporting agencies. We may change the APRs, fees and other terms of your account at any time in accordance with applicable law and the Visa credit card agreement, which we will send you when your account is opened. Factors we may consider in determining whether and how to change your terms include the frequency and severity of defaults and other indications of risk on accounts with Alliant Credit Union and other creditors. To the extent allowed by law, the new terms will affect all outstanding balances. The minimum monthly payment is 3% of your balance, or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made (see the Visa credit card agreement for complete details). This offer is nontransferable and is void to residents of GU, PR, VI and all other U.S. dependent areas. California Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Married applicants may apply for credit separately. New York and Vermont Residents: Alliant Credit Union may obtain at any time your credit reports for any legitimate purpose associated with the account or application. On your request, you will be informed if such a report was ordered and you will be given the name and address of the agency furnishing the report. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy members and that credit reporting agencies maintain separate credit histories on individuals upon request. Massachusetts Residents: You have the right to prohibit the use of information about you contained in your file with any consumer reporting agency in connection with any credit transactions that you have not initiated. You can exercise this right by contacting consumer reporting agencies through their toll-free notification systems established for this purpose. Married Wisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to marital property will adversely affect a creditor s interest unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. Alliant Rewards Program: Eligible Alliant Visa Platinum Rewards accounts earn one Alliant Rewards Point for every one dollar in qualifying new purchases, net of returns, the Participant charges to his/her eligible Alliant Visa Platinum Rewards credit card account as provided for in the program rules. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, MEMBER S CHOICE TM Protection (MCP) charges, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions, Interlink-processed transactions, fees paid for pre-paid and re-loadable cards such as certain gift cards, or payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services). Points in this Program cannot be exchanged directly for cash (but may be redeemed as an account balance credit); may not be used with any other offer, promotion or discount; cannot be earned from, transferred to or combined with any other member s credit card or debit card account(s) points for redemption; and cannot be used to satisfy any monthly minimum payment obligation on the cardholder s account. There is a nominal fee included in the point cost for cash back statement credit and gift card redemptions. Points will accrue over five calendar years and will expire on a rolling, first in-first out, annual basis; Points that are earned in a calendar year will expire in December of the fourth calendar year following the year in which they were earned. For example, any unredeemed Points that You earned in 2015 will expire on your December 2019 cycle date; unredeemed Points earned in 2016 will expire on your December 2019 cycle date, etc. Please refer to the Alliant Rewards Program Terms & Conditions for complete details. SEG860.4-R04/15

7 Instructions for Form W-8BEN (Rev. February 2014) Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals) Department of the Treasury Internal Revenue Service Section references are to the Internal Revenue Code unless otherwise noted. Future Developments For the latest information about developments related to Form W-8BEN and its instructions, such as legislation enacted after they were published, go to formw8ben. What's New FATCA. In 2010, Congress passed the Hiring Incentives to Restore Employment Act of 2010, P. L (the HIRE Act), which added chapter 4 of Subtitle A (chapter 4) to the Code, consisting of sections 1471 through 1474 of the Code and commonly referred to as FATCA or chapter 4. Under chapter 4, participating foreign financial institutions (FFIs) and certain registered-deemed compliant FFIs are generally required to identify their U.S. account holders, regardless of whether a payment subject to withholding is made to the account. The IRS has published regulations that provide due diligence, withholding, and reporting rules for both U.S. withholding agents and FFIs under chapter 4. This form, along with Form W-8ECI, W-8EXP, and W-8IMY, has been updated to reflect the documentation requirements of chapter 4. In particular, this Form W-8BEN is now used exclusively by individuals. Entities documenting their foreign status, chapter 4 status, or making a claim of treaty benefits (if applicable) should use Form W-8BEN-E. Individual account holders (both U.S. and foreign) that do not document their status may be deemed recalcitrant and, in some cases, subject to 30% withholding on certain payments. Foreign individuals can avoid being classified as recalcitrant account holders by using Form W-8BEN to document their foreign status. Foreign individuals should use Form W-8BEN to document their foreign status and claim any applicable treaty benefits for chapter 3 purposes (including a foreign individual that is the single member of an entity that is disregarded for U.S. tax purposes). See the instructions to Form W-8BEN-E concerning claims for treaty benefits and chapter 4 certifications in the case of a hybrid entity. Reportable payment card transactions. Section 6050W was added by section 3091 of the Housing Assistance Tax Act of 2008 and requires information returns to be made by certain payers with respect to payments made to participating payees in settlement of payment card transactions and third party payment network transactions. Information returns are not required with respect to payments made to payees that are foreign persons, however. A payer of a reportable payment may treat a payee as foreign if the payer receives an applicable Form W-8 from the payee. Provide this Form W-8BEN to the requestor if you are a foreign individual that is a participating payee receiving payments in settlement of payment card transactions that are not effectively connected with a U.S. trade or business of the payee. More information. For more information on FATCA, go to General Instructions For definitions of terms used throughout these instructions, see Definitions, later. Purpose of Form Establishing status for chapter 3 purposes. Foreign persons are subject to U.S. tax at a 30% rate on income they receive from U.S. sources that consists of: Interest (including certain original issue discount (OID)); Dividends; Rents; Royalties; Premiums; Annuities; Compensation for, or in expectation of, services performed; Substitute payments in a securities lending transaction; or Other fixed or determinable annual or periodical gains, profits, or income. This tax is imposed on the gross amount paid and is generally collected by withholding under section A payment is considered to have been made whether it is made directly to the beneficial owner or to another person, such as an intermediary, agent, or partnership, for the benefit of the beneficial owner. In addition, section 1446 requires a partnership conducting a trade or business in the United States to withhold tax on a foreign partner's distributive share of the partnership's effectively connected taxable income. Generally, a foreign person that is a partner in a partnership that submits a Form W-8BEN for purposes of section 1441 or 1442 will satisfy the documentation requirements under section 1446 as well. However, in some cases the documentation requirements of sections 1441 and 1442 do not match the documentation requirements of section See Regulations sections through Feb 19, 2014 Cat. No H

8 Note. The owner of a disregarded entity (including an individual), rather than the disregarded entity itself, must submit the appropriate Form W-8BEN for purposes of section If you receive certain types of income, you must provide Form W-8BEN to: Establish that you are not a U.S. person; Claim that you are the beneficial owner of the income for which Form W-8BEN is being provided or a foreign partner in a partnership subject to section 1446; and If applicable, claim a reduced rate of, or exemption from, withholding as a resident of a foreign country with which the United States has an income tax treaty and who is eligible for treaty benefits. You may also be required to submit Form W-8BEN to claim an exception from domestic information reporting and backup withholding (at the backup withholding rate under section 3406) for certain types of income that are not subject to foreign-person withholding at a rate of 30% under section Such income includes: Broker proceeds; Short-term (183 days or less) original issue discount (OID); Bank deposit interest; Foreign source interest, dividends, rents, or royalties; and Proceeds from a wager placed by a nonresident alien individual in the games of blackjack, baccarat, craps, roulette, or big-6 wheel. A withholding agent or payer of the income may rely on a properly completed Form W-8BEN to treat a payment associated with the Form W-8BEN as a payment to a foreign person who beneficially owns the amounts paid. If applicable, the withholding agent may rely on the Form W-8BEN to apply a reduced rate of, or exemption from, withholding at source. Provide Form W-8BEN to the withholding agent or payer before income is paid or credited to you. Failure to provide a Form W-8BEN when requested may lead to withholding at the foreign-person withholding rate of 30% or the backup withholding rate under section Establishing status for chapter 4 purposes. An FFI may rely on a properly completed Form W-8BEN to establish your chapter 4 status as a foreign person. The Form W-8BEN should be provided to the FFI when requested. Failure to do so could result in 30 percent withholding on income paid or credited to you as a recalcitrant account holder from sources within the United States. See the definition of amounts subject to withholding, later. Additional information. For additional information and instructions for the withholding agent, see the Instructions for the Requester of Forms W-8BEN, W-8BEN-E, W-8ECI, W-8EXP, and W-8IMY. Who Must Provide Form W-8BEN You must give Form W-8BEN to the withholding agent or payer if you are a nonresident alien who is the beneficial owner of an amount subject to withholding, or if you are an account holder of an FFI documenting yourself as a nonresident alien. If you are the single owner of a disregarded entity, you are considered the beneficial owner of income received by the disregarded entity. Submit Form W-8BEN when requested by the withholding agent, payer, or FFI whether or not you are claiming a reduced rate of, or exemption from, withholding. You should also provide Form W-8BEN to a payment settlement entity (PSE) requesting this form if you are a foreign individual receiving payments subject to reporting under section 6050W (payment card transactions and third-party network transactions) as a participating payee. However, if the payments are income which is effectively connected to the conduct of a U.S. trade or business, you should instead provide the PSE with a Form W-8ECI. Do not use Form W-8BEN if you are described below. You are a foreign entity documenting your foreign status, documenting your chapter 4 status, or claiming treaty benefits. Instead, use Form W-8BEN-E, Certificate of Status of Beneficial Owner for United States Tax Withholding and Reporting (Entities). You are a U.S. citizen (even if you reside outside the United States) or other U.S. person (including a resident alien individual). Instead, use Form W-9, Request for Taxpayer Identification Number and Certification, to document your status as a U.S. person. You are acting as a foreign intermediary (that is, acting not for your own account, but for the account of others as an agent, nominee, or custodian). Instead, provide Form W-8IMY, Certificate of Foreign Intermediary, Foreign Flow-Through Entity, or Certain U.S. Branches for United States Tax Withholding and Reporting. You are a disregarded entity with a single owner that is a U.S. person. Instead, the owner should provide Form W-9. If the disregarded entity is a hybrid entity claiming treaty benefits, the entity should complete Form W-8BEN-E even if the single owner of such entity is a U.S. person that must also provide a Form W-9. See the instructions to Form W-8BEN-E for information on hybrid entities claiming treaty benefits. You are a nonresident alien individual who claims exemption from withholding on compensation for independent or dependent personal services performed in the United States. Instead, provide Form 8233, Exemption from Withholding on Compensation for Independent (and Certain Dependent) Personal Services of a Nonresident Alien Individual, or Form W-4, Employee's Withholding Allowance Certificate. You are receiving income that is effectively connected with the conduct of a trade or business in the United States, unless it is allocable to you through a partnership. Instead, provide Form W-8ECI, Certificate of Foreign Person's Claim That Income Is Effectively Connected With the Conduct of a Trade or Business in the United States. If any of the income for which you have provided a Form W-8BEN becomes effectively connected, this is a change in circumstances and Form W-8BEN is no longer valid with respect to such income. You must file Form W-8ECI. See Change in circumstances, later. Giving Form W-8BEN to the withholding agent. Do not send Form W-8BEN to the IRS. Instead, give it to the person who is requesting it from you. Generally, this will be the person from whom you receive the payment, who -2-

9 credits your account, or a partnership that allocates income to you. An FFI may also request this form from you to document your account as other than a U.S. account. Give Form W-8BEN to the person requesting it before the payment is made to you, credited to your account, or allocated. If you do not provide this form, the withholding agent may have to withhold at the 30% rate (under chapter 3 and 4), backup withholding rate, or the rate applicable under section If you receive more than one type of income from a single withholding agent for which you claim different benefits, the withholding agent may, at its option, require you to submit a Form W-8BEN for each different type of income. Generally, a separate Form W-8BEN must be given to each withholding agent. Note. If you own the income or account jointly with one or more other persons, the income or account will be treated by the withholding agent as owned by a foreign person that is a beneficial owner of a payment only if Forms W-8BEN or W-8BEN-E are provided by all of the owners. If the withholding agent or financial institution receives a Form W-9 from any of the joint owners, however, the payment must be treated as made to a U.S. person and the account treated as a U.S. account. Change in circumstances. If a change in circumstances makes any information on the Form W-8BEN you have submitted incorrect, you must notify the withholding agent, payer, or FFI with which you hold an account within 30 days of the change in circumstances and you must file a new Form W-8BEN or other appropriate form. If you use Form W-8BEN to certify that you are a foreign person, a change of address to an address in the United States is a change in circumstances. Generally, a change of address within the same foreign country or to another foreign country is not a change in circumstances. However, if you use Form W-8BEN to claim treaty benefits, a move to the United States or outside the country where you have been claiming treaty benefits is a change in circumstances. In that case, you must notify the withholding agent, payer, or FFI within 30 days of the move. If you become a U.S. citizen or resident alien after you submit Form W-8BEN, you are no longer subject to the 30% withholding rate under section 1441 or the withholding tax on a foreign partner's share of effectively connected income under section To the extent you have an account with an FFI, your account may be subject to reporting by the FFI under chapter 4. You must notify the withholding agent, payer, or FFI within 30 days of becoming a U.S. citizen or resident alien. You may be required to provide a Form W-9. For more information, see Form W-9 and its instructions. You may be a U.S. resident for tax purposes! depending on the number of days you are CAUTION physically present in the United States over a 3-year period. See Publication 519, available at irs.gov/ publications/p519. If you satisfy the substantial presence test, you must notify the withholding agent, payer, or financial institution with which you have an account within 30 days and provide a Form W-9. Expiration of Form W-8BEN. Generally, a Form W-8BEN will remain in effect for purposes of establishing foreign status for a period starting on the date the form is signed and ending on the last day of the third succeeding calendar year, unless a change in circumstances makes any information on the form incorrect. For example, a Form W-8BEN signed on September 30, 2015, remains valid through December 31, However, under certain conditions a Form W-8BEN will remain in effect indefinitely until a change of circumstances occurs. To determine the period of validity for Form W-8BEN for purposes of chapter 4, see Regulations section (c)(6)(ii). To determine the period of validity for Form W-8BEN for purposes of chapter 3, see Regulations section (e)(4)(ii). Definitions Account holder. An account holder is generally the person listed or identified as the holder or owner of a financial account. For example, if a partnership is listed as the holder or owner of a financial account, then the partnership is the account holder, rather than the partners of the partnership (subject to some exceptions). However, an account that is held by a single-member disregarded entity is treated as held by the person owning the entity. Amounts subject to withholding. Generally, an amount subject to chapter 3 withholding is an amount from sources within the United States that is fixed or determinable annual or periodical (FDAP) income. FDAP income is all income included in gross income, including interest (as well as OID), dividends, rents, royalties, and compensation. FDAP income does not include most gains from the sale of property (including market discount and option premiums), as well as other specific items of income described in Regulations section (such as interest on bank deposits and short-term OID). For purposes of section 1446, the amount subject to withholding is the foreign partner s share of the partnership s effectively connected taxable income. Generally, an amount subject to chapter 4 withholding is an amount of U.S. source FDAP income that is also a withholdable payment as defined in Regulations section (a). The exemptions from withholding provided for under chapter 3 are not applicable when determining whether withholding applies under chapter 4. For specific exceptions applicable to the definition of a withholdable payment, see Regulations section (a)(4) (exempting, for example, certain nonfinancial payments). Beneficial owner. For payments other than those for which a reduced rate of, or exemption from, withholding is claimed under an income tax treaty, the beneficial owner of income is generally the person who is required under U.S. tax principles to include the payment in gross income on a tax return. A person is not a beneficial owner of income, however, to the extent that person is receiving the income as a nominee, agent, or custodian, or to the extent the person is a conduit whose participation in a transaction is disregarded. In the case of amounts paid that do not constitute income, beneficial ownership is determined as if the payment were income. -3-