ON-LINE CREDIT CARD APPLICATION - Prime Rate Visa® Card

I/We hereby apply for credit:  IndividualJoint I/We hereby apply for:   Visa ClassicVisa Gold Amount Requested  Note Maximums: Visa Classic $7,500.00                                         Visa Gold   $20,000.00 Applicant Name (Last, First, Middle) Date of Birth Social Security Number Resident Phone # Home Address (Street ) City, State                              Zip   Employer Name Employer Phone # Gross Monthly Income .00 Co-Applicant Name (Last, First, Middle) Date of Birth Social Security Number Gross Monthly Income .00 Home Address (Street ) City, State                              Zip Co-Borrower Employer Name Co-Borrower Employer Phone # Co-Borrower Gross Monthly Income Car Payment Monthly Balance Car Loan             Rent/Mortgage RentMortgage Monthly payment Mortgage Balance .00        Other Credit Cards Name CC1   CC2 CC3 CC4 CC5 Balance Credit Card CC1 CC2 CC3 CC4 CC5 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 information the Credit Union may deem necessary concerning my/(our) credit standing.  If this application is approved and a card (s) issued, the undersigned applicant(s) by signing, using, or permitting another to use the card (s) agree that the applicant(s) will be bound by the terms and conditions of the credit card agreement, a copy oy which I/We hereby acknowledge receipt of:

Applicant's Signature:                                       Date:

Co-Applicant's Signature:                         Date:

FOR CREDIT UNION USE ONLY   ___ Approved:  Credit Limit______________________       Loan Officer:  __________________________________________   Date:  ________________ ___ Denied    Credit Committee ___________________________________________  __________________________________________   __________________________

BALANCE TRANSFER FORM

By signing/indicating below, I authorize the Credit Union to bill my approved credit card in the amount (s) listed below.  In addition, the Credit Union will not be responsible for any charges billed to me for the account(s) indicated below.

Applicant's Signature:     Date:  mm/dd/yyyy Co-Applicant Signature:  Date:  mm/dd/yyyy

1.  Card Issurer:                Account #       Payment Address:  Transfer Amount

2. Card Issuer:                    Account#

Payment Address:   Transfer Amount

3. Card Issuer:                    Account#

Payment Address:    Transfer Amount

ALDENVILLE CREDIT UNION CREDIT CARD AGREEMENT

This Agreement sets forth the terms and conditions under which the Credit Union named above shall furnish a credit card(s) to the borrower(s) for use in obtaining goods, services and/or cash on credit The words "I", "me" and "my" mean each person who applies for the card, who signs the card and/or this Agreement, or uses the card.  "Credit Union" means the credit union named above. "Card" means the card or cards issued by the Credit Union to me pursuant to this Agreement The information about the costs of the card described in this application/agreement is accurate as of January, 2008. This information may have changed after that date.  To find out what may have changed, write to us at the above address.

Annual Percentage Rate   5.25% Based Upon Prime Rate as of  3/31/08 or the minimum APR of 5.00% whichever is greater for the best credit score. Your APR may vary. Minimum Monthly Payment %  2.00% Minimum Monthly Payment Dollar Amount  $20.00 Other APR's  Penalty APR: 3.00% See explanation below* Variable-rate information Your APR may vary. See explanation below** Grace period for repayment of balances for purchases You have no grace period in which to repay your balance for purchases before a finance charge will be imposed Method of computing the balance for purchases  Average Daily Balance:  See explanation below*** Minimum finance charge  $    .00 Transaction fee for purchases  $    .00 Balance transfer fee  $    .00 ATM cash advance transaction fee  $  2.00 Late payment fee  $ 10.00 or 10% of the unpaid payment, whichever is less Over-the-credit-limit fee  $ 20.00 Annual fee  $ 50.00 Card replacement fee  $ 20.00 Document copy fee  $ 10.00 Returned check fee  $   2.50

*If you fail to make two consecutive payments, we may immediately increase your Annual Percentage Rate by 3.00% and the increased rate will remain in effect until your account is current for (3) consecutive months, at which time your account will be returned from the penalty APR to your regular APR.

**Your credit score at time of application determines your Annual Percentage Rate that will be equal to Prime Rate or the minimum APR of 5%, whichever is greater, plus 0%, plus 1 % or plus 2% for credit purchases, cash advances and balance transfers.

*** The Finance Charge on Credit Purchases begins to accrue on the date each is posted to your account. The Finance Charge on Cash Advances begins to accrue on the date you obtain the Cash Advance or the first day of the billing cycle in which it is posted to your account, whichever is later. The Finance Charges for a billing cycle are computed by applying the daily periodic rate to the average daily balance multiplied by the number of days in the billing cycle OR the monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the billing cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any new Credit Purchases posted to your account and any new Cash Advances received, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. Balances on which Finance Charges accrue are called "balances subject to Finance Charge”.

1. I may obtain cash, goods and/or services on credit by properly presenting my card to any approved lender or any approved seller of goods or services as long as the amount of credit that I request does not exceed (when added to the then out-standing principal balance of my loans and posted finance charges) my Maximum Credit Limit or my Daily Limit on Cash Advances. My Maximum Credit Limit and My Daily Limit on Cash Advances shall be as initially established by the Credit Union and as thereafter changed from time to time by the Credit Union. Use of my card outside of the United States of America may be subject to certain limitations. If I am traveling outside of the United States, I understand that I may contact the Credit Union for information concerning such limitations in various countries.

2. The Finance Charge on Credit Purchases begins to accrue on the date each is posted to your account. The Finance on Charge on Advances begins to accrue on the date you obtain the Cash Advance or the first day of the billing cycle in which it is posted to your account whichever is later. The Finance Charges for a billing cycle are computed by applying the daily periodic rate to the average daily balance multiplied by the number of days in the billing cycle OR the monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by dividing the sum of the daily balance during the billing cycle by the number of days in the billing cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any new Credit Purchases posted to your account and any new Cash Advances received, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. Balances on which Finance Charges accrue are called "balances subject to Finance Charge".

3. Subject to the rules set forth in paragraph 2 hereof, I shall pay a finance charge on all balances that are subject to finance charge herein at the monthly periodic rate and ANNUAL PERCENTAGE RATE set forth at the beginning of this Agreement. If set forth at the beginning of this Agreement, for any month in which a finance charge is assessed but is less than $.50, I shall pay a Minimum Monthly Finance Charge of $.50. The ANNUAL PERCENTAGE RATE (and corresponding Monthly Periodic Rate) will be adjusted on the first day of each monthly billing cycle to the "Prime Rate" as published on the last business day of the preceding month in the Money Rates Section of The Wall Street Journal (if more than one Prime Rate is published, the higher rate shall be used) (the "Index"), plus the margin disclosed (percentage points). If the index is no longer published, the Credit Union may select a substitute Index having similar characteristics and I shall be notified of such substitution. An increase in the rates will increase your finance charges and your Minimum Monthly Payment (unless the Minimum Monthly Payment – Dollar Amount is greater). If Prime Rate is lower than the minimum APR of 5%, your APR will be based upon whichever is greater, plus 0%, 1 % or 2% for credit purchases, cash advances and balance transfers. In any case, the Annual Percentage Rate will never be more than 18% or less than 5%. If set forth in this Agreement I will be charged a cash advance fee if I use my card to obtain a cash advance.

4. I agree to pay an annual fee in the amount set forth, if any, at the beginning of this Agreement to the Credit Union for participation in this credit plan. I understand that if I cancel this Agreement during the year, I will be entitled to a refund of a portion of the annual membership fee in accordance with Massachusetts law. I further agree to pay such Other Charges as are described at the beginning of this Agreement Any other charge assessed to my account shall be treated as a Credit Purchase for the purpose of calculating finance charges, unless prohibited by law.

5. I agree not to request an advance which will cause my Maximum Credit Limit to be exceeded at any time; however, if my Maximum Credit Limit is exceeded at any time, I promise to immediately repay the amount of the excess to the Credit Union. For each request for an advance which causes my Maximum Credit Limit to be exceeded I promise to pay to the Credit Union the Maximum Credit Limit Overdraft Penalty, if any set forth at the beginning of this Agreement.  I agree not to use my card to effectuate any transaction which is unlawful under applicable law, such as unlawful gambling.

6. In order to secure my obligations to the Credit Union herein, I hereby grant a security interest to the Credit Union in any property in which the Credit Union now or here after holds a security interest securing some other obligation of mine to the Credit Union, provided, however, no such security interest shall be granted in any property constituting my principal residence, consumer goods, or any deposit account that I hold in the Credit Union. Therefore, with the exceptions noted in  the immediate preceding sentence, collateral securing other loans with the Credit Union may also secure this loan.

7. I agree to repay the amount that I or any person whom I have authorized to use my card have borrowed, all finance charges thereon and any fees or  charges incurred by me and properly added to my account as follows: each month I shall pay within 25 days of the statement closing date (“Payment Due Date”) the minimum monthly payment as shown on said statement (which minimum monthly payment shall be equal to the Minimum Monthly Payment - Percentage set forth at the beginning of this Agreement which shall be a percentage of the New Balance shown on the statement that does not exceed my Maximum Credit Limit, plus the entire amount that does exceed my Maximum Credit Limit, if any, plus all amounts past due, if any; or the Minimum Monthly Payment - Dollar Amount set forth at the  beginning of this Agreement,  if such Dollar Amount is greater). All payments shall first be applied to interest due, then to the other proper charges due and then to principal due. I may also prepay any amount due to the Credit Union at any time without penalty.

8. Purchases and Cash Advances made outside of the United States of America in  foreign currencies will be billed to you in U.S. dollars. The conversion rate to dol1ars will be at (1) the wholesale market rate or (2) the government mandated rate, whichever is applicable, in effect one day before the processing date, increased by one percent (1 %). The conversion rate on the processing date may be different from the rate that would have been in effect on the date the transaction occurred in the foreign country.

9. I understand that I shall be in default in the event that I do not make any payment herein required when due, if I die, file bankruptcy; become insolvent, default  on any other indebtedness of mine to the Credit Union or fail to fulfill any promise  or other obligation herein to the Credit Union. In the event of such default the Credit Union may terminate my line of credit without notice to me and I agree to immediately repay to the Credit Union, upon demand by the Credit Union, all amounts which I owe to the Credit Union herein. In the event of any such defau1t, I agree to pay to the Credit Union all costs of collection, including the reasonable fees of attorneys engaged by the Credit Union to collect such past due amounts.

10. I understand and agree that the Credit Union may terminate my line of credit for any reason whatsoever, even if I am not in default, however, such termination shall not be effective until I have received written notice of said termination at least 5 days before the effective date of such termination and such termination shall not affect my obligation to pay any outstanding balance in accordance with the terms of this Agreement

11. Upon termination of my line of credit (whether or not a default has occurred),  I promise not to use my card thereafter and promise to return it immediately to the Credit Union. I recognize that the card shall remain the property of the Credit Union at all times.

12. If a late charge is described in the Credit Card Disclosures set forth herein, in the event that any payment due herein is not paid in full within 15 days of its due date, I shall pay a late charge equal to the amount described as set forth herein.

13. The Credit Union may amend the terms and conditions set forth in this Agreement,  provided that such amendment shall not be effective unless written  notice of such amendments is mailed or delivered to me at least one billing cycle,  but not less than 30 days, prior to the effective date of the change.

14. Each person who signs this Agreement or uses the card(s) or permits another to use the card(s), agrees to be jointly and severally liable to the Credit Union for all obligations due to the Credit Union herein. This Agreement shall be deemed to be under seal and shall be governed by the laws of the Commonwealth of Massachusetts.

15. I will notify the Credit Union Service Center, orally or in writing, of the loss, theft, or possible unauthorized use of my card(s). To notify the Service Center, I will  call 1-800-449- 7728 or write P.S.C.U. Service Center, Inc., Security Department, P.O. Box 31216, Tampa, Florida 33631.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.    Notify Us In Case Of Errors Or  Questions About Your Bill    If you think your bill is wrong, or you need more information about a transaction on your bill; write us as soon as possible on a separate sheet at the address listed on your bill. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.    In your letter, give us the following information: (a) Your name and account number; (b) The dollar amount of the suspected error, (c) Describe the error and explain why you believe there is an error. If you need more information, describe the item about which you are unsure.    If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop payment on any amount you think is wrong.  To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.    Your Rights And Our Responsibilities After We Receive Your Written Notice    We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 90 days, must either correct the error or explain why we believe the bill was correct.    After we receive your letter we cannot try to collect any amount you question, or report you as delinquent.  We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.  You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.    If we find that we made a mistake on your bill, you will not have to pay any finance related to any questioned amount.  If we did not make a mistake you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.    If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must teIl anyone we report you to that the matter has been settled between us when it finally is.    If we do not follow these rules, we cannot collect the first $50.00 of the questioned amount, even if your bill was correct.    Special Rule For Credit Card Purchases    If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right to not pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your own state or, if not within your home state, within 100 miles of your current mailing address and (b) The purchase Price must have been more than $50.00.    These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

PLEASE PRINT THIS PAGE FOR YOUR RECORDS PRIOR TO SUBMISSION.