APCO Employees
Credit Union
VISA
CREDIT CATO APPLICATION a LINE OF CREDIT AGREEMENT
CREDIT UNION ACCOUNT NO.
A. APPLICANT’S PERSONAL INFORMATION - PLEASE PRINT
APPLICANT'S FIRST NAME	INITIAL	LAST NAME	DATE OF BIRTH / /	। SOCIAL SECURITY NUMBER	DRIVER’S LICENSE # & STATE
PRESENT STREET ADDRESS	CITY	STATE		ZIP	HOW LONG? □ OWN YRS MOS O RENT	AREA CODE & HOME PHONE
EMAIL ADDRESS					AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER					AREA CODE & WORK PHONE
JOB TITLE	HOW LONG EMPLOYED	PREVIOUS EMPLOYER & ADDRESS (IF LESS THAN 1 YEAR) CITY		STATE	ZIP
NAME AND ADDRESS OF CLOSEST RELATIVE NOT LIVING WITH YOU	STREET ADDRESS			CITY	STATE	ZIP	AREA CODE & HOME PHONE
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.					
GROSS MONTHLY SALARY $	I NET MONTHLY SALARY I OTHER INCOME	I | $ | $ |		SOURCE OF OTHER INCOME	I NET MONTHLY RETIREMENT PAY	I TOTAL NET MONTHLY INCOME $
B.	information regarding spouse/co-applicant. read before completing
Completion of tills section required if (1) You are a resident of a community properly state (AZ, CA, ID, LA, NM, NV,IX, WA), (2) You are relying upon property located in a community property state, as a basis for repayment of credit requested, (3) You are relying upon the income or assets of another, (4) you are relying upon alimony, rtilld support, or separate maintenance payments as from a spouse or former spouse, (5) Your spouse will be allowed to use this account, or (6) Your spouse will be contractually liable.
FIRST NAME	INITIAL	LAST NAME			DATE OF BIRTH	SOCIAL SECURITY NUMBER		DRIVERS LICENSE # & STATE
PRESENT STREET ADDRESS	CITY		STATE	ZIP			HOW LONG? YRS MOS	AREA CODE & HOME PHONE
EMAIL ADDRESS								AREA CODE & CELL PHONE
NAME AND ADDRESS OF EMPLOYER			JOB TITLE				AREA CODE & WORK PHONE	HOW LONG EMPLOYED?
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.								
GROSS MONTHLY SALARY	I s	 |	NET MONTHLY SALARY $		I OTHER INCOME		I SOURCE OF OTHER INCOME			TOTAL NET INCOME - APPLICANT AND CO-APPLICANT	
C.	LIST ALL DEBTS OF APPLICANT (INCLUDING SPOUSE/CO-APPLICANT IF SECTION B IS COMPLETED)
CREDITORS NAME	ACCOUNT NO.	ADDRESS	PURPOSE	ORIGINAL BALANCE	CURRENT BALANCE	MONTHLY PAYMENT
, □ LANDLORD □ MORTGAGEE				$	S	$
2.				$	$	$
3.				$	$	$
4.				$	$	$
5.				$	$	$
6.				$	$	$
7+				$	$	5
0.				$	$	3
9*				$	$	$
i0CHILD CARE/CHILD SUPPORT/ALIMONY PAYMENTS				5	$	$
THIS APPLICATION MAY BE REJECTED IF ALL DEBTS ARE NOT LISTED. IF YOU REQUIRE MORE SPACE ATTACH ADDITIONAL SHEET. IF SELF EMPLOYED, ATTACH FINANCIAL STATEMENT.			ARE ANY DEBTS	□ YES PAST DUE	UNO		TOTAL MONTHLY OBLIGATIONS	$
D. APPLICANT’S FINANCIAL INFORMATION AND PERSONAL REFERENCES
CREDIT UNION, BANK, OR OTHER FINANCIAL INSTITUTION		ADDRESS	1 BRANCH		I TYPE	□ SAVINGS OF	□ CHECKING | ACCOUNT	□LOAN
HAVE YOU OR CO-APPLiCANT EVER	1. BEEN SUED	QYES FOR DEBTS?	□ NO	2, APP LIED TO THIS	□ YES CREDITUNION?	□ NO	3. FILED BANKRUPTCY OR CHAPTER 13?	□ YES □ NO	ARE YOU OR CO-APPLICANT QYES	TO WHOM CURRENTLY A CO-MAKER?	□ NO
Credit limit requested $.	 ■ ■ ■ •			FOR CREDIT UNION USE ONLY	Credit Limit $.			 Approved □ Approved By 					
By signing this application you are certifying that all information you provided is complete and true and is furnished for the purpose of obtaining credit. You also authorize APCO EMPLOYEES CREDIT UNION to check your credit and employment history and make whatever Inquiries necessary in the course of granting credit, or collecting any credit extended. You understand that the credit union will retain this application whether or not it is approved and you authorize the credit union to answer questions about the credit union's experience with your credit. You also agree that if you are approved fora VISA credit card that your use of that card will bind you to all terms and conditions contained in the “VISA CREDIT CARD AGREEMENT” that you receive. You hereby acknowledge that you have removed the attached VISA Credit Card Agreement and Statement of Billing Rights and will retain it for your records.					
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant’s Signature
Date
Go-Applicant's Signature
Date
By signing below you hereby specifically agree to al! terms of paragraph 13 of ths VISA CREDIT CARD AGREEMENT you receive including but not limited to your pledging all shares and/or deposits (including amounts in draft accounts) and payments and earnings thereon which you now or hereafter may have with us, whether held jointly, individually, or in trust as security for any and all monies advanced or purchases made by use of the card and any interest accrued thereon. Upon default you authorize us to take what you owe us out of any account (except Individual Retirement Accounts) you have with us. You further understand that such a security Interest Is a condition of the credit union granting you this loan.
CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Applicant's Signature
Date
Co-Applicant’s Signature
Date
THE APPLICANT AND CO-APPLICANT MUST EACH SIGN ON BOTH APPLICABLE LINES ABOVE OR WE CANNOT PROCESS THE APPLICATION. APCO Employees Credit Union Rev. 01-14
VISA CREDIT CARD AGREEMENT (Keep this for your records)
In this Agreement the words 'you* ond 'your' mean each and oil of those who apply for ihe Card or who sign itiis Agreement. 'Card* means ihe VISA Credit Card ond any duplicates and renewals we issue. 'Account' means your VISA Credit Card Line of Credit Account wilh us. ‘We", 'us" and ‘ours* means APCO Employees Credit Union.
1.	Responsibility. If we issue you a Caro, you agree to repay all debts ond ihe FINANCE CHARGE arising from the use of the Card ond ihe Account. For example, you ore responsible for charges made by anyone else fo whom you give the Cord, and ihis responsibility continues until the Card is recovered. You cannol disclaim responsibility by notifying us, but we will close the Accounl for new transactions if you so request ond if you return all Cards. Your obligation to pay Ine Account balance continues even though an agreement, divorce decree or olher court judgment to which we are not a parly moy direct you or one of the other persons responsible to pay the Account. Any person using the card is jointly responsible and is also joinlly responsible for all charges on the Account, including yours. You agree the VISA Card may nol be used far ony illegal or unlawful activity or transactions, including bul not limited Io illegal gambling. You agree to pay all applicable fees when due, including return check, VISA draft reproduction and statement replacement fees.
2.	lost Card Notification. If you believe ihe Cord hos been lost or slolen, you will immediately call us of (205) 226-6800 or 1-000-249-2726 during normol business hours. After hours coll (8001991-4961. If a cardholder reports the loss or theft of a card within Iwo business days of discovery ihal ihe card was lost or stolen, the cardholder liability is $0 (zero). If a cardholder reports ihe loss or iheftof a card beyond two business days of discovery thal ihe card was lost or stolen, ihe cardholder fiobilily is $50.
3.	liability for Unauthorized Use. You may be liable lor the unauthorized use of your cord. You will not be liable for unoulhorized use ihal occurs after you notify ihe Credit Union, orally or in writing, of ihe loss, iheft, or possible unauthorized use. tn any cose, your liability will nol exceed $50. For VISA Credit cards, if you report ihal the Cord is Iasi or stolen, your liability is $0 (zero). If you provide proper notification of other unaulhorized VISA transactions, your maximum liability is $0 (zero). We moy require you to provide a wrillen statement regarding claims ol unauthorized transactions. These limits of liability may be exceeded, to the exlent allowed under applicable law, if we determine ihat the occounl was handled tn a fraudulent or grossly negligent manner. These provisions for cardholders liability do not apply to transactions on 'Aso Commercial Cards, Visa or Plus* ATM Iron sections or olher elec Ironic transfer. Such liability limils do not apply when the Card is used to make an eledronic fund Iransfer.
4.	Credit line. If we approve your applicalion, we will establish a self-replenishing Line of Credit for you ond notify you of ils amount when we issue the Card. You agree not to lei Ine Account balance exceed this approved Credil line. Each payment you mace on ihe Accounl will restore your Credit Line by the amount of ihe poymenl which is applied Io principal. You may request an increase in your Credit line only by written application to us, which musl be approved by our credit committee ar loan officer. By giving you written nolice, we may reduce your Credit line from time to lime or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure to comply wilh ihis Agreemenl or our adverse revaluation of your creditworthiness. You may also lerminate this Agreemen! of any time, bul termination by either you or us does nol affect your obligation to pay the Account balance. The Cards remoin our property, and you musl recover and surrender Io us oil Cards upon our request and upon termination of ihis Agreemenl.
5.	Credil Information. You authorize us to investigate your credil standing when opening, renewing or reviewing your Account, and you authorize us Io disclose information regarding your Account Io credil bureaus ond olher creditors who inquire of us about your credit standing.
6.	Payments. Each month you musl pay ot least ihe minimum poymenl shown on your statement by ihe date specified on ihe slatemenf or no later ihan 25 days from ihe stotemenl closing date, whichever is Io ter. If your statement says the payment is 'Now Due,' your paymenl is due no later ihan 25 days from the stotemenl closing dole. You may pay more frequently, pay mare than the minimum payment or pay ihe Total New Balance in full. It you moke extra or larger paymenls, you are still required fo moke af leost ihe minimum payment each month your Account has a balance (other than a credil balance). The minimum payment is 4.00% of your Total new Balance or 520.00, whichever is greofer, not to exceed your Total New Balance, plus the amaunf of any prior minimum paymenls that you have nol made, ond any amount by which you ore over your credit limit. The Credil Union also hos the righl to demand immediate payment of ony amounl by whkh you ore over your credit limit. Subjecl to applicable law, your payments may be applied towhat you owe the Credit Union in any manner the Credil Union chooses. Currently, Paymenls made to your account will be applied in the following order: Fees ond Finance Charges; Previously Billed Purchases; Cash Advances; Nev/ Purchases, We may accept checks marked "payment in M" or wilh words of similar ef feci without losing any of our rig his Io colled ihe full balance of your occounl wilh us. When a scheduled payment is late 10 days or more, ihe late fee assessed will be $25, or 535 if you have hod a lale paymenl in ihe lost six billing cycles. However, if your minimum paymenl is less ihan the late fee, then your late fee will be equal to your minimum payment omounl.
7.	Finance Charges. If you have a zero purchose balance at the beginning of a statement cycle, you can avoid o FINANCE CHARGE on purchases billed during ihe cycle by paying the full amount of ihe New Balance of Purchase within 25 days af your statement closing date. Otherwise, purchases will be subjecl ta a FINANCE CHARGE from the day they are posted Io your account. Cosh advances are always subjecl Io a FINANCE CHARGE from the day ihey are posted to your account. The FINANCE CHARGE [interest) is calculated ol the periodic rote af .900% per month (ANNUAL PERCENTAGE RATE OF 10.90%), on the average doily principal balances of purchases and cosh advances in ihe Accounl. Separate Finance Charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily
balance for purchases and cash advances. Each average daily balance is determined by faking ihe beginning balance (of cash advances ond purchases) In your account each day, adding any new purchases or cash advances (whichever is applicable) ond subtracting ony paymenls or credits. The results ore ihe daily balances. The doily balances are totaled, and divided by ihe number of days in ihe stotemenl period Io produce separate average daily principal balances for purchases and cash advances la which ihe periodic rate is then applied.
8.	Default. You will be in default if you fail to make any Minimum Payment when due. You will also be in default if (a) your ability Io repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your deolh or your failure to abide by ihis Agreemenl, (b) you break any promise you have made to us, under this Agreemenl or ony other agreemenl you have v/Hh us, |c) any stotemenl you have made in ihis Agreement, in connection with this Agreemenl, or in connection wilh any other agreemenl you have wilh us is nol true, or [dl we should otherwise reel insecure in receiving paymenl of ihe Account balance for whatever reason. If you are in default, we have ihe righl to demand immediate paymenl of your full Accounl Balance al once wilhoul nolice to you. In the event of a default, you agree !o pay all costs of collecting the amount you owe under ihis agreement including if the unpaid balance under this plan is greater than Three Hundred Dollars ($300.00) al ihe lime of ihe collection, reasonable altorne/s fees if the debt is referred for col fee from io any a Horney who is nol our employee and if suit is filed, courl cosls.
9.	Using the Card. You may use the cord issued to you to moke purchases in person, and by mail, online, or telephone from merchant and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions porlicipaling in ihe VISA program ond from automated feller machines (ATMs), such os VISA ATM Network, which provide access to the VISA system. (Nol oil ATMs provide such access.) You will need fo use your Personal Identification Number (PIN] to obtain a cash advance from an AIM. You will be charged a cash advance fee of one percent of ihe cosh odvonce, bul not less ihon $3.00. The monthly stotemenl will identify the merchanl, electronic terminal or financial inslilufion ol which Iransaclionswere mode, bulsales, cosh advance, creditor olher slips cannot be relumed wilh the stotemenl. You will retain ihe copy of such slips furnished o! the time of the Iransaclion in order Io verify the monthly statement. We may make a reasonable charge for photocopies of slips you requesl.
10.	Returns and Adjustments. Merchants ond olhers who honor the Card may give credit for returns or adjustments, ond ihey do so by sending us a credit slip which we will post fo your Account, if your credits and payments exceed what you owe us, we will hold ond apply this credil balance against fulure purchases ond cosh advances, or if it is $1 or mare, refund it on your written request or automatically after 6 monihs.
11.	Foreign Tron sections. Purchases ond cash advances made in foreign counIries and foreign currencies will be billed fo you in U.S. Dollars. The conversion rafe to dollars will be made in accordance wilh ihe operating regulations lor international transactions established by VISA International, Inc.
12.	Plan Merchant Dispute. We ore not responsible for ihe refusal of any plan merchant or financial institution to honor your Card. We are subject Io claims and defenses (olher ihan Iori claims) arising out of goods or services you purchase wilh the Cord only if you have made a good faith attempt, bul have been unable Io obtain satisfaction from the plan merchanl, ond; |a) your purchase was mode in response Io an advertisement we sent or participated in sending you, or (b) your purchase cost more ihan $50 and was made from a plan merchant in your stole or within 100 miles of your home. Any other disputes you must resolve direcfly with the plan merchant.
13.	Security Interest. To secure yaur Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through use of the Card. If you default, we will have the right to recover any of these goods which have nol been paid for rnrough our application of /our paymenls in ihe manner described in Paragraph 6. Yau pledge all shares and/or deposits (including amounts in draft accounls] ond paymenls and earnings thereon which you now or hereafter may have wim us, whelher held jointy, individually or in trust, as security for ony and all monies advanced or purchases made by use of the Card and any interest accrued ihereon. Upon default you authorize us to lake what you owe us oul of any such account (excop! Individual Retirement Accounls) you have wilh us.
14.	Effects of Agreement. This Agreement is the contact which opplies ta all transactions on your Account even though ihe sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend ihis Agreement from time ta time by sending you ony advance written notice required by low. Any amendment to Ihis Agreemenl will take effect on ihe day it is mailed unless advance nolice is required by law. Your use of ihe Cord thereafter will indicate your agreement fo the amendments. Ta ihe extent the law permits, and we indicate in our notice, amendments will apply to your existing Account balance as well as to future transactions.
15.	Enforcement. The terms ana conditions ol this Agreement are governed by and construed in accordance with ihe laws of ihe Stole of Alabama ond any applicable Federal law. No delay In enforcemenl of our rights under ihe Agreemenl will result in any loss of our righls or relieve you of any af your obligations. All claims reloled to any accounl with ihe Credil Union shall be resolved by binding arbitration.
16.	Invalidity of Provisions and Captions. If any provision of ihis Agreement is deemed invalid the rest of this Agreemenl will remain in full force and effect. The paragraph headings ore for convenience only ana do not form a port of this Agreement.
17,	Copy Received. By signing ihe attached application you acknowledge receipt of a copy of this Agreemenl and Billing Rights Statement which should be torn off ihe application at ihe perforation and kept.
VISA CREDIT CARD AGREEMENT (Keep this for your records)
This notice contains important information about your fights cmd oar responsibilities under tbe Fair Credil Billing Ad.
WHAT TO DO If YOU HMD A MISTAKE CN YOURSIATEMElrt
If you think tiiere is an error on yout stolen)ent, write Io us at APCO Employees Credit Union ot P.O. Box 2288 Birmingham, Alabama 35201. In your Idler, give us the following information:
1 Account information: Your name ond account number.
* Dollar amount: The doltor of Ihe suspected error.
1 Description of problem: If you th ink there is an error on your bill, describe what you believe is wrong ond why you believe it is a mi stale.
You musl contact vs:
* Wilkin 60 days after the error appeared on your stole meal.
1	Al bast 3 business days before on oulomaled paymenl is scheduled, if you want to stop paymenl on the amount you think is wrong.
You mud notify vs of ony potential errors in writing. You moy call us, bul if you do we ore not required Io investigate ony potential errors and you may have to pay the amount in question.
WHAT Will HAPPEN AFTER WE RECEIVE YOUR LETTER
1.	Within 30 clays of receiving your Idler, we musl fell you thut we received your letter. We will also tell you if we have oireody corrected the error.
2.	Within VO days of receiving your letter we must either correct the error or explain la you why wo believe the bill is correct.
While we investigate whether or not there has been on error:
■	We cannot try to collect Ihe amount in question, or report you as delinquent on then omounl.
■	The charge in question moy remain on your statement, ond we may continue to charge you interest on Ihat omounl.
■	While you do not have Io pay the omounl in question, you ore responsible lor Ihe remainder of your balance.
■	We con apply any unpaid amount ogoinsl your credil limit.
After we finish our invesfigotion, one of Iwo things will happen:
■	If we made a m isfale: You will not have to pay ihe amount in question or any i nleresl of other fees related to that amour.l.
■	If we do mat believe there was a mistake: You will have Io pay the amount in question, obng wilh the opplkabfe interest ond lees. We will send you a statement of Ihe amount you ewe ond the dote payment is due. We moy then report you os delinquenl if you do not pay the omounl we think you owe.
If you receive our explanation bul sliH believe your bl I is wrong, you musl write to us within 10 days telling us that you still refuse to pay. if you do so, we cannot report you os delinquent without also reporting that you ore still questioning your bill. Wb musl lei you ihe name cf anyone to whom we report you os delinquenl, ond we musl let those orgonizolions know when ihe muller has been settled between us. If we do nol follow all ol ihe rules obove, you do nol have la pay ihe first $50 ol ihe amount you question even if your bill is correct.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied wilh tbe goods or services that you have purchased wilh your credit card, ond you have tried in good faith to correct the probfem with the merchant, you may have die right nol Io pay the remaining amount due on the purchase.
To use this right, all cf the following must bo true:
I.	The purchase must have been mode In your home slate or within 100 miles of your current mailing address, ond the purchase price musl have been more than $50. [MOTE: Neither of these ore necessary if your purchose was based on an advertisement we mailed la you, or if we awn the company that sold you ihe goods or services.)
2.	You musl have used your credil cord for ihe purchase. Purchases made wilh cosh advances from on ATM or with a check that access your credit cord occounl do nol qualify.
3.	You must nol yel have fully paid far Ihe purchase.
If oil of the criteria above ore met ond you ore still dissatisfied wilh the purchase, contort us in writing at: APCO Employees Credit Union at P.O, Box 2288 Birmingham, Alabama 35201. While we investigate, the same rules apply to the disputed omounl as discussed above. After we linisli our investigation, we will tell you our decision. Al that point, if we ihink you owe on amount ond you do not pay, we moy report you as delinquent.
DISCLOSURE OF FEES
ANNUAL PERCENTAGE RATE (APR) for purchases	10.9% Your APR will nol vary in relalion io on index. However, all terms of your Visa Cord Agreement are subject to change with 45 days prior nolice.
APR for Balance Transfers	10.9% Your APR will nol vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
APR for Cash Advances	10.9% Your APR will not vary in relalion to an index. However, all terms ol your Visa Card Agreement are subjecl to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases	You can ovoid interest on purchases billed during the cycle by paying ihe lull amount of the new balance of purchases within 25 cloys of your slalemenl closing dote.
Minimum Payment	4% of your total new balance or $20.00, whichever is greater
For Credit Card Tips From The Consumer Financial Protection Bureau	To learn more about factors Io consider when applying for or using a credil cord, visit ihe website of the Consumer Financial Protection Bureau al htlp://\ww.consumerfinance.gov/leamniore
Fees
AnnualFee	None
Transaction Fees • Cosh Advances • Balance Transfers ® Foreign Transactions	1% of amount of cash advance bul nol less than $3.
	NONE
	1%
Penalty Fess •	Laie Paymenl •	Over the Limit	Up to $35
	NONE
Other Fees e Statement Replacement ® Visa Draft Replacement 0 Return Payment	$10
	$10
	$15
How We Will Calculate Your Balance. We use a method called the average daily balance, including new purchases.
Cash Back - 1% of all purchases. No cash back for closed or delinquent accounts.
Information about consumers' right to dispute transactions is included in account opening disclosures.
All terms of your Credil Card Agreement are subject to change with 45 days prior notice. The information about the costs of the card described tn this application is accurate as of January 1, 2014. This information may have changed after that date. To find out what may have changed, write to us at APCO EMPLOYEES CREDIT UNION, 750 17TH STREET NORTH, BIRMINGHAM, ALABAMA 35203 or call (205) 226-6800.
« Only 10.9 annual percentage rate
•	1 % Cash Back
•	No annual fee
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APCO Employees Credit Union 750 17th Street North Birmingham, AL 35203 (205) 226-6800