VISA PLATINUM
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit
Card  Account  Opening  Disclosure.  The  Account  Opening  Disclosure  is  incorporated  into  this  Consumer  Credit
Card Agreement and is part of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each
and all of those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates,
renewals,  or  substitutions  the  Credit  Union  issues  to  you;  "account"  means  your  Visa  credit  card  line-of-credit
account  with  the  Credit  Union;  and  "Credit  Union"  means  the  Credit  Union  whose  name  appears  on  this
Agreement or anyone to whom the Credit Union transfers this Agreement.
1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit
for  you.  You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,
plus "other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise,
the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows
payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice,
either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled “Statements
and Notices”) explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests
over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You
may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union
may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time
for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from
time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not
be used to make a payment on your account balance. If you use a convenience check, it will be posted to your
account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for
any reason and such refusal shall not constitute wrongful dishonor.
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any
fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment
request  orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the
presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your
request  must  accurately  describe  the  check  including  the  exact  account  number,  the  payee,  any  check  number
that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request
orally  but  such  a  request  will  expire  after  14  days  unless  you  confirm  your  request  in  writing  within  that  time.
Written  stop  payment  orders  are  effective  only  for  six  (6)  months  and  may  be  renewed  for  additional  six  month
periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a
stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop
payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your
rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to
indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees,  damages,  or  claims,
related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect
information provided to us or the giving of inadequate time to act upon a stop payment request.
2. USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement of
receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure
(Disclosure). You may use your card to make purchases from merchants and others who accept your card. The
credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish
to pay for goods or services over the Internet, you may be required to provide card number security information
before  you  will  be  permitted  to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the
Credit  Union,  from  other  financial  institutions  that  accept  your  card,  and  from  some  automated  teller  machines
(ATMs).  (Not  all  ATMs  accept  your  card.)  If  the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will
issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN
issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal
under  applicable  federal,  state,  or  local  law.  Even  if  you  use  your  card  for  an  illegal  transaction,  you  will  be
responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain
cash advances on your account, you may also use your card to purchase instruments and engage in transactions
that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and
include,  but  are  not  limited  to,  wire  transfers,  money  orders,  bets,  lottery  tickets,  and  casino  gaming  chips,  as
applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of
convenience  checks  or  any  other  charge)  made  to  your  account  by  you  or  anyone  you  authorize  to  use  your
account. You also promise to pay all finance charges and other charges added to your account under the terms of
this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on
JOINT ACCOUNTS also applies to your account.
4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to
make  a  payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made
pursuant to applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure,
the  rate  charged  on  purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as
disclosed  in  the  Disclosure  accompanying  this  Agreement.  The  initial  rate  on  your  account  for  certain  types  of
transactions  may  be  an  introductory  discounted  rate  (Introductory  Rate)  that  is  lower  than  the  rate  that  would
ordinarily  apply  for  that  type  of  transaction.  If  an  Introductory  Rate  applies  to  your  account,  the  rates  and  the
period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Introductory
Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that
type of transaction based on the terms of this Agreement.
5. FINANCE CHARGES — New purchases posted to your account during a billing cycle 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 is posted to your account. To avoid an additional finance
charge  on  the  balance  of  purchases,  you  must  pay  the  entire  new  balance  on  the  billing  statement  by  the
payment due date of that statement. A finance charge begins to accrue on cash advances from the date you get
the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account,
whichever  is  later.  To  avoid  an  additional  finance  charge  on  the  balance  of  cash  advances,  you  must  pay  the
entire new balance on the billing statement by the payment due date of that statement.
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge
is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  get  the  average  daily
balance  of  purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new
purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add
all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the
billing cycle. This gives us the average daily balance of purchases. Balance transfers are calculated in the same
manner as purchases.
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of
cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance
of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we
apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily
balances of cash advances for the billing cycle together and divide the total by the number of days in the billing
cycle. This gives us the average daily balance of cash advances.
6. FOREIGN  TRANSACTIONS  —  Purchases  and  cash  advances  made  in  foreign  currencies  will  be  debited
from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency
used  for  processing  international  transactions  is  a  rate  selected  by  Visa  from  a  range  of  rates  available  in
wholesale  currency  markets  for  the  applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa
itself  receives  or  the  government-mandated  rate  in  effect  for  the  applicable  central  processing  date.  The
exchange rate used on the processing date may differ from the rate that would have been used on the purchase
date or cardholder statement posting date.
7. FEES  —  In  addition  to  the  periodic  rate,  the  following  additional  fees  may  be  imposed  on  your  account.  If
applicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this
Agreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying this
Agreement.
a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the
issuance of your card. Each year following, the annual fee will be charged to your account during the same month
that you were first charged the fee. The fee will be charged each year until your account is closed and paid in full.
b. Additional  Card  Fee.  If  your  account  is  subject  to  an  Additional  Card  Fee,  a  fee  will  be  charged  for  each
additional card issued to you at account opening.
c. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your
account  when  you  transfer  a  balance  from  an  account  of  another  creditor  to  the  account  subject  to  this
Agreement.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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d. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge),
the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other
financial institution.
e. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign
currency.
f. Transaction Fee for Purchases. If your account is subject to a Transaction Fee for Purchases, a fee will be
charged to your account for purchases as disclosed on the Disclosure accompanying this Agreement.
g. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account
when you do not make the required minimum payment by or within the number of days of the statement Payment
Due Date set forth on the Disclosure accompanying this Agreement.
h. Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to
your account when a payment is returned to you for any reason.
8. PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the
date specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the
total new balance in full. If you make extra or larger payments, you are still required to make at least the minimum
payment each month your account has a balance (other than a credit balance). The minimum payment is 2.00%
of your total new balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that
you have not made, and any amount you are over your credit limit. In addition to the minimum payment, you must
also pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all
outstanding unpaid fees and charges, and any amount you are over your credit limit. The Credit Union also has
the right to demand immediate payment of any amount by which you are over your credit limit.
9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the
Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment
in excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the
balance with the highest annual percentage rate and any remaining portion to the other balances in descending
order based on applicable annual percentage rate.
10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code
and under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit
Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your
account.  You  may  not  withdraw  amounts  that  have  been  specifically  pledged  to  secure  your  account  until  the
Credit Union agrees to release all or part of the pledged amount.

Your  Account  is  secured  by  all  other  shares  you  have  in  any  individual  or  joint  account  with  the
Credit  Union,  except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that
would lose special tax treatment under state or federal law if given as security. These other shares
may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to
apply  the  balance  in  your  individual  or  joint  share  accounts  to  pay  any  amounts  due  on  your
Account if you should default.

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling
will  never  be  considered  as  security  for  this  account,  notwithstanding  anything  to  the  contrary  in  any  other
agreement.
11. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the
date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in
default  if  you  die,  file  for  bankruptcy  or  become  insolvent,  that  is,  unable  to  pay  your  obligations  when  they
become  due.  You  will  be  in  default  if  you  make  any  false  or  misleading  statements  in  any  credit  application  or
credit  update.  You  will  also  be  in  default  if  something  happens  that  the  Credit  Union  believes  may  substantially
reduce your ability to repay what you owe.
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account
balance  without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance
charges at the periodic rate charged before default, until what you owe has been paid, and any shares that were
given as security for your account may be applied towards what you owe.
12. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us
immediately,  orally  or  in  writing,  at  Credit  Card  Security  Department,  P.O.  Box  30035,  Tampa,  FL  33630  or
telephone (727) 570-4881 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your
credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized
use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible  unauthorized  use.  You  will  have  no  liability  for
unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card.
In any case, your liability will not exceed $50.00.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the
terms  of  this  Agreement  and  any  attached  Disclosure  from  time  to  time.  Notice  of  any  change  will  be  given  in
accordance  with  applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to
your existing account balance as well as to future transactions.
Either  you  or  the  Credit  Union  may  terminate  this  Agreement  at  any  time,  but  termination  by  you  or  the  Credit
Union will not affect your obligation to pay the account balance plus any finance and other charges you owe under
this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe under
this agreement are subject to all applicable laws and regulations regarding repayment requirements. You are also
responsible  for  all  transactions  made  to  your  account  after  termination,  unless  the  transactions  were
unauthorized.
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the
Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the
account.
14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional
cards for authorized users that you designate. You must notify us in writing of any termination of an authorized
user's right to access your account. Your letter must include the name of the authorized user and your account
number and/or any subaccount number issued to the authorized user along with the authorized user's card and
any convenience or other access checks issued to the authorized user. If you cannot return the authorized user's
card  or  access  checks  and  if  you  request  your  account  to  be  closed,  we  will  close  your  account  and  you  may
apply for a new account.
15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your
credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information
regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is
eligible  for  emergency  cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you
agree that we may provide personal information about you and your account that is necessary to provide you with
the requested service(s).
16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns
or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account.
If  your  credits  and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future
purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written
request or automatically after six (6) months.
17. ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer
additional  services  to  your  account,  such  as  travel  accident  insurance,  at  no  additional  cost  to  you.  You
understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any
time.
18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial
institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising
out of goods or services you purchase with the card if you have made a good faith attempt but have been unable
to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an
advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00
and was made in your state or within 100 miles of your home.
19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of  you  will  be  individually  and  jointly  responsible  for
paying  all  amounts  owed  under  this  Agreement.  This  means  that  the  Credit  Union  can  require  any  one  of  you
individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make
purchases or cash advances individually. Any one of you may terminate the account and the termination will be
effective as to all of you.
20. EFFECT  OF  AGREEMENT  —  This  Agreement  is  the  contract  which  applies  to  all  transactions  on  your
account  even  though  the  sales,  cash  advances,  credit  or  other  slips  you  sign  or  receive  may  contain  different
terms.
21. NO  WAIVER  —  The  Credit  Union  can  delay  enforcing  any  of  its  rights  any  number  of  times  without  losing
them.
22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address
you have given the Credit Union. Notice sent to any one of you will be considered notice to all.
23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression
of the terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by
evidence  of  any  alleged  oral  agreement.  Should  any  part  of  this  Agreement  or  the  Disclosure  be  found  to  be
invalid  or  unenforceable,  all  other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully
enforceable to the fullest extent possible under this Agreement.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.
25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of
electronic gambling transaction through the Internet.
26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the
rates  for  purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  shown  on  the
Disclosure  accompanying  this  Agreement  when  you  meet  one  or  more  of  the  conditions  as  set  forth  in  the
Disclosure. Any rate increases applied to your account are subject to applicable notice requirements. Please refer
to the Disclosure for additional information regarding the Penalty Rate.
27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between
you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.
28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE
ON  THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE
BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
29. NOTICE  TO  ALABAMA  BORROWERS  —  CAUTION:  IT  IS  IMPORTANT  THAT  YOU  THOROUGHLY
READ THIS AGREEMENT BEFORE YOU SIGN IT.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:

Alabama Telco Credit Union
PO Box 360286
Birmingham, AL 35236

You may also contact us on the Web: www.alatelco.org
In your letter, give us the following information:
•  Account information: Your name and account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and

why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the

amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if

we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe

the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your statement, and we may continue to charge you interest on that

amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•  We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to
that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with
applicable interest and fees. We will send you a statement of the amount you owe and the date payment is
due. We may then report you as delinquent if you do not pay the amount we think you owe.

• 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that
you  still  refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must
let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if
your bill is correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have
tried  in  good  faith  to  correct  the  problem  with  the  merchant,  you  may  have  the  right  not  to  pay  the  remaining
amount due on the purchase.
To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing

address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if
your purchase was based on an advertisement we mailed to you, or if we own the company that sold you
the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an

ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  purchase,  contact  us  in  writing  [or
electronically] at:

Alabama Telco Credit Union
PO Box 360286
Birmingham, AL 35236
www.alatelco.org

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2             Introductory APR for a period of six (6) billing cycles. 
When the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

After that your APR will be F3             to F4            , 
based on your creditworthiness.  
F5             Introductory APR for a period of six (6) billing cycles. When 
the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

After that your APR will be F6             to F7             based on your 
creditworthiness.  
F8             Introductory APR for a period of six (6) billing cycles. When 
the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

After that your APR will be F9             to F10           based on your 
creditworthiness.  
F11           

This APR may be applied to the entire balance on your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for any of these reasons, the Penalty APR will apply until you make at 
least six (6) minimum payments by the payment due date as shown in 
your monthly statement. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Additional Card Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

We do not charge you interest on purchases if you pay your entire 
balance by the due date each month.  
To learn more about factors to consider when applying for or using a 
credit card, visit the Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F12           
F13             per card 

F14           
F15           
F16           
F17           

Up to F18            
Up to F19           

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

DALFH1 (MXC400 CCM000)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Loss  of  Introductory  APR.  We  may  end  your  Introductory  APR  if  you  make  a  late  payment.  With  the  loss  of  your 
Introductory APR, your APR will be the Penalty APR of F20          , based on certain creditworthiness criteria.  

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F21           
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

F22           or the amount of the required minimum payment, whichever is less.  In the 
event you fail to make a payment on time in any of the six (6) billing cycles following the 
violation, you will be charged F23           or the amount of the required minimum payment, 
whichever is less. 

F24           or the amount of the required minimum payment, whichever is less.  In the 
event a payment is returned in any of the six (6) billing cycles following the violation, you 
will be charged F25           or the amount of the required minimum payment, whichever is 
less. 

DALFH1 (MXC400 CCM000)-e