Visa® Balance Transfer Form

Transfer balances from higher interest credit cards to your Resolution Solution. AltaOne Visa® Credit Card and receive Shrink your credit card balances 0% APR and enjoy the New Year. THROUGH DECEMBER 31, 2017* *Promotion period is from January 17, 2017–March 10, 2017.

AltaOne Account Number MAIL TO: Electronic Member Services AltaOne Federal Credit Union Member Name PO Box 1209 Ridgecrest CA 93556 Tab to next fiel 1 Visa MasterCard Discover Retail Other Account Number Creditor Name Account Holder Name (with Creditor)

Payment Address Exact Amount To Be Paid City State Zip $

2 Visa MasterCard Discover Retail Other Account Number Creditor Name Account Holder Name (with Creditor)

Payment Address Exact Amount To Be Paid City State Zip $

3 Visa MasterCard Discover Retail Other Account Number Creditor Name Account Holder Name (with Creditor)

Payment Address Exact Amount To Be Paid City State Zip $

By signing, I authorize AltaOne Federal Credit Union to pay on my behalf each balance or portion of balance I have designated. I have read the terms and conditions below.

Signature Date X / / *Promotion period is from January 17, 2017–March 10, 2017. Balance transfers are subject to a fee of $5 or 3% of the transferred amount, whichever is greater. SPECIFIC TERMS: The 0% promotional rate is for balance transfers only. Transferred balances do not earn UChoose Rewards® points. New and Existing Visa Platinum, Visa Platinum Rewards, Visa Business Platinum Rewards and Visa Platinum Secured Credit Cards are eligible for 0% APR on balance transfers completed from January 17, 2017–March 10, 2017. Balance Transfer offer excludes purchases and transfers of existing AltaOne loans or credit cards. Terms and conditions subject to change without notice. Credit cards funding subject to credit approval. ALTAONE LOANS AND LINES OF CREDIT ARE EXCLUDED FROM BALANCE TRANSFER PROMOTION. Additional information is available. Call (800) 433-9727 or visit AltaOne.org. BALANCE TRANSFER INFORMATION: 1. If transfer information you provide is incomplete, the Credit Union will not be able to process the transfer request. Transfers will be sent to only recognized creditors or financial institutions and will not be sent to your home or billing address. 2. Please continue to make your minimum required payment until the requested transfer payment appears on that account’s billing statement. The Credit Union is not responsible for any remaining balance on that account, or for any finance or other charges you incur due to delays in transferring a balance. 3. If you transfer an amount for a transaction you dispute, you may lose some or all of your rights against the other creditor. 4. While the Credit Union can pay your accounts directly, the Credit Union can not close them for you. If you wish to close any of the transfer accounts, you must do so yourself. 5. Account balance transfers are contingent upon account setup and assigned credit limit. In some cases the Credit Union may not be able to process a balance transfer request. 6. Balance transfers are treated as a cash advance and do not qualify for a grace period. (760) 371-7000 • (800) 433-9727 • AltaOne.org IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card is accurate as of the effective date of January 1, 2017. You can call Us at (760) 371-7000 or write Us at P.O. Box 1209 Ridgecrest, CA 93556-1209 to inquire if any changes have occurred since the effective date. Interest Rate and Interest Charges Annual Percentage Rate VISA Platinum: 14.99% - 17.99% based on Your creditworthiness. (APR) For Purchases VISA Platinum Rewards: 10.99%

VISA Business Platinum Rewards: 10.99%

VISA Platinum Secured: 17.99%

APR For Balance Transfers VISA Platinum: 0.00% introductory APR until December 31, 2017 (for transfers made from January 17, 2017 through March 12, 2017).

After that, Your APR will be 14.99% - 17.99% based on Your creditworthiness.

VISA Platinum Rewards: 0.00% Introductory APR until December 31, 2017 (for transfers made from January 17, 2017 through March 12, 2017).

After that, Your APR will be 10.99%.

VISA Business Platinum Rewards: 0.00% introductory APR until December 31, 2017 (for transfers made from January 17, 2017 through March 12, 2017).

After that, Your APR will be 10.99%.

VISA Platinum Secured: 0.00% Introductory APR until December 31, 2017 (for transfers made from January 17, 2017 through March 12, 2017).

After that, Your APR will be 17.99%.

APR For Cash Advances VISA Platinum: 14.99% - 17.99% based on Your creditworthiness.

VISA Platinum Rewards: 10.99%.

VISA Business Platinum Rewards: 10.99%.

VISA Platinum Secured: 17.99%.

How to Avoid Paying We will not charge You interest on purchases if You pay Your entire balance owed each Interest on Purchases month within 25 days of Your statement closing date.

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

Fees

Annual Fee For VISA Platinum Secured, $30.00

SEE PAGE 2 for more important information about Your Account

. Balance Transfer 3.00% of each transfer ($5.00 minimum) . Foreign Transaction 1.00% of each U.S. Dollar transaction that occurs in a foreign country 0.80% of each foreign currency transaction in U.S. dollars

Penalty Fees

. Over-The-Credit Limit Except VISA Business Platinum Rewards, up to $25.00 For VISA Business Platinum Rewards, $25.00 per day . Late Payment Except VISA Business Platinum Rewards, up to $25.00 For VISA Business Platinum Rewards, $25.00

How We Will Calculate Your Balance: We use a method called "daily balance."

SEE PAGE 1 for more important information about Your Account