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 aRENT	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,TX, 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-APPUCANT	
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
t □ 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 CREDIT UNION?	□ 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 this 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 o 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 nolirying 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 drier court judgment to which we are not o parly moy direct you or one of the other persons responsible to pay the Accounl. Any person using the card is jointly responsible and is also jointly responsible for all charges on the Accounl, including yours. You agree the VISA Card may nol be used far ony illegal or unlawful actrvily 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 Nolificalion, If you believe ihe Cord hos been lost or slolen, you will immediately call us of (205) 226-6800 or 1-000-249-2726 daring 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 liability is $50.
3.	liability for Unauthorized Use. You may be liable lor the unauthorized use of your card. 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 that the Cord is losi 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 extent allowed under applicable law, if we determine that the occaunl was handled tn a fraudulent or grossly negligent manner. These provisions for cardholders liability do not apply to transactions on Visa Commercial Cords, Visa or Plus* ATM transactions or olher electronic transfer. Such liability limils do not apply when the Card is used to make an electronic fund transfer.
4.	Credit line. If we approve your application, we will establish a self-replenishing Line of Credit for you ond notify you of its amount when we issue the Cord. You agree not to let Ine Account balance exceed this approved Credil line. Each payment you make on the Accounl will restore your Credit Line by the amount of ihe poymenl which is applied Io principal. You moy request an increase in your Credit Line only by written application to us, which musi be approved by our credit committee ar loan officer. By giving you written notice, we may reduce your Credit line from time to time or with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or our adverse revaluation of your creditworthiness. You may also terminate this Agreemenl of any time, bul termination by either vou or us does nol affect your obligation to pay the Account balance. The Cards remote our property, and you musi 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 in formation regarding your Account Io credil bureaus ond olher creditors who inquire of us about your credil standing.
6.	Payments. Each monlh you musi pay ot leasl ihe minimum poymenl shown on your statement by ihe date specified on ihe slatemenf or no later than 25 days from ihe slatemenl closing date, whichever is later. If your statement says the payment is 'Now Due,' your payment is due no later ihan 25 days from the statement closing dole. You may pay more frequently, pay mare than ihe minimum payment or pay ihe Total New Balance in full. It you moke extra or larger paymenls, you are still required fo moke at least 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 greater, not to exceed your Total New Balance, plus the amount of any prior minimum paymenls that you have nol made, ond any amount by which you ore over your credit limii. The Credil Union also hos the right to demand immediate payment of ony amount by which you ore over your credit limit. Subject 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 accounl 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 fur or wilh words of similar effeci without losing any of our rights Io colled ihe full balance of your account wilh us. When a scheduled payment is late 10 days or more, ihe lale fee assessed will be $25, or 535 if you have hod a lale poymenl in ihe lost six billing cycles. However, if your minimum poymenl is less ihan the late fee, then your lale fee will be equal to your minimum payment omounl.
7.	Finance Charges. If you have a zero purchose balance at the beginning of a stalement cycle, you can avoid a FINANCE CHARGE on purchases billed during ihe cycle by paying the full amount of ihe New Balance of Purchase within 25 days of your statement closing date. Ofherwise, pu/choses will be subject to a FINANCE CHARGE from the day they are posted Io your account. Cosh advances are always subjecl lo a FINANCE CHARGE from the day ihey are posted to your account. The FINANCE CHARGE [interest) is calculated ol the periodic rote of .900% per month (ANNUAL PERCENTAGE RATE OF 10.90%), on the average doily principal balances of purchases and cosh advances in ihe Account. Separate Finance Charges for purchases and cash advances are determined by mulliplying the periodic rale by the separate average daily
balance for purchases and cash advances. Each average daily balance is determined by taking ihe beginning balance (of cash advances ond purchases) In your account each day, adding any new purchases or cash advances (whichever is applicable) ond subtrocling ony paymenls or credits. The results ore ihe daily balances. The doily balances are totaled, and divided by ihe number of days in ihe stolemenl period Io produce separate average daily principal balances for purchases and cash advances la which ihe periodic rate is men 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 lo 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 nave made to us, under this Agreemenl or ony other agreemenl you have with us, |c) anyslolemenl you have made in ihis Agreemenl, in connedion with this Agreemenl, or in connection with any other agreemenl you have with us is nol true, or [dl we should otherwise reel insecure in receiving paymenl of the Account balance for whatever reason. If you are in default, we have the right to demand immediate paymenl of your full Account Balance at once wilhoul nolice to you. In the event of a default, you agree lo pay all costs of collecting the amount you owe under this 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 collection lo any a Horney who is nol our employee and if suit is filed, court 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 merchants and others who accept VISA cards. In addition, you may obtain cash advances from the Credil Union, from olher financial inslitulions porlfcTpaling 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 ATM. You will be charged a cash advance fee of one percent of ihe cosh advance, bul not less ihon $3.00. The monthly statement will identify the merchant, electronic terminal or financial inslitution ol which Iransaclionswere mode, but sales, cosh advance, creditor olher slips cannot be relumed with the stolemenl. You will retain ihe copy of such slips furnished o! thn time of the transaction in order lo verify the monthly statement. We may make a reasonable charge for photocopies of slips you request.
10.	Returns and Adjustment. Merchants ond others who honor the Card may give credit for returns or adjustments, and they 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 and apply this credil balance against future purchases ond cosh advances, or if it is $1 ar mare, refund it on your written request or automatically after 6 monihs.
11.	Foreign Transactions. Purchases ond cash advances made in foreign countries and foreign currencies will be billed fo you in U.S. Dollars. The conversion rafe fo 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 the refusal of any plan merchant or financial institution to honor your Card. We are subject la claims and defenses (olher than 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 lo obtain satisfadian from ihe plan merchant, ond; |a) your purchase was moae in response lo an advertisemenl 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 wilhin 100 miles of your home. Any other disputes you must resolve directly with the plan merchant.
13.	Security Interest. To secure your 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 through our application of /our paymenls in ihe manner described in Paragraph 6. You pledge all shares and/or deposits (including amounts in draft accounts) ond payments and earnings thereon which you now or hereafter may have wim us, whether held joinly, 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 take what you owe us oul of any such account (except Individual Retirement Accounts) you have wilh us.
14.	Effects of Agreement. This Agreement is the conlract which applies la 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 this Agreemenl from time lo time by sending you ony advance written nolice required by low. Any amendment lo Ihis Agreemenl will lake 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 Iransocttons.
15.	Enforcement. The terms ana conditions of this Agreement are governed by and construed in accordance with ihe laws of ihe Slate of Alabama ond any applicable Federal law. No delay In enforcemenl of our rlghls under ihe Agreemenl wifi result in any loss of our rights ar relieve you of any a( your obligations. All claims related 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 fam 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 the Fair Credit Billing Act.
WHAT TO DO IF YOU FIHD A MISTAKE OH YOUR STATE ME HT
If you (hint fiiere Is an error on yout statement, write Io us at APCO Employees Credit Union nt P.O. Box 2288 Birmingham, Alabama 35201. In your letter, give us the following information:
1 Account information: Your name and account number,
* Dollar amount: The dollar of the 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 must contact vs:
‘ Wilkin 60 days after the error appeared on your statement.
1	Al bast 3 business days before on automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You mud notify vs of any potential errors in writing. You may call us, but if you do we ore not required Io investigate any 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 letter, we must fell you thut vnr received ywr fetter. We will also tell you if we have already corrected the error.
2.	Within VO days of receiving your letter we must either correct the error or explain to you why wo believe the hiH is correct.
While wte investigate whether or not there has been on 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, ond we may continue to charge you interest on that amount.
■	While you do red have Io pay the omounl in question, you ore responsible lor Ihe remainder of your balance.
■	We con apply any unpaid amount agoinsl your credit limit.
After we finish our Investigation, one of Iwo filings will happen:
■	If we made a m tsfale: You wifi not have to pay ihe amount in question or any i nleresl of other fees related to that amour.l.
■	If we do not believe there was a mistake: You will have Io pay file amount in question, oksng with the applicable interest and lees. We will send you a statement of Ihe amount you awe ond the dote payment is due. We may then report you os delinquenl if you do nol pay ihe omounl we think you owe.
If you receive our explanation bul slill believe your bil I is wrong, you must write Io us wilhin 10 days telling us that you still refuse to pay, if you do so, we cannot report you os detinquenl without also reporting that you ore still questioning your bill. Wb must tell you the name of anyone to whom we report you os delinquent, ond we mud let those organisations know when the matter has been settled between us. If we do not follow all ol the rules obove, you do not have la pay the first $50 of the amount you question even if your bill is cotrec!.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied with tbe goods or services that you have purchased with your credit card, ond you have tried in good faith Io coned ihe probfem with the merchant, you may have file rignl no! Io pay the remaining amount due on the purchase.
To use this right, all of file following must bo true:
I.	The purchase must have been mode In your home stole or within TOO miles efi your current mailing address, ond fire pvrehore pace must have been more than $50. [NOTE: Neither of these ore necessary if your purchase was based on an advertisement we mailed to you, or if we awn the company that sold you the goods or services.)
2.	You must have used your credit cord for the purchase. Purchases made with cosh advances from on ATM or with a check that access your credit cord account 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 dissalisfied with 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 file disputed amount as discussed above. After we linisti our invesligolioa, we will tell you our decision. Al that point, if we ihink you owe on amount ond you do not pay, we may 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 subjecl 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 lerms of your Visa Card Agreemenl are subject lo 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 of your Visa Card Agreemenl are subjecl to change willi 45 days prior nolice.
How To Avoid Paying Interest on Purchases	You can ovoid interesl on purchases billed during ihe cycle by paying ihe lull amount of the new balance of purchases within 25 cloys of your slolement 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 lo consider when applying for or using a credil cord, visit the website of the Consumer Financial Protection Bureau al htlp:/Aww.consumerfinance.gov/leammore
Fees
AnnualFe©	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 Replacemenl 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 in 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 rata
•	1 % Cash Back
•	No annual fee
® 25day grace period on new purchases (it's like getting a free loan when you pay your purchases balance in full by the statement due date)
by moving their balances over fo your low interest Power Card today. Helping you save money is what your Credit Union is here for — now you have the power to do it wilh our 10.9 percent APR VISA Power Card. Get rid of high balances the easy way.
Don't miss this chance to increase your purchasing power. Simply complete this application and return it to APCO Employees Credit Union.
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Credit cards are everywhere these days and most sound like a great deal — but nothing compares to the Power Card from APCO Employees Credit Union. Our VISA card, like all of our other services, is designed to save you money. It does everything you need a credit card to do without high interest rates.
Only one card gives you the kind of power you can use worldwide — the APCO Employees Credit Union Power Card. You can use it with confidence while traveling, dining or shopping. Our VISA card puts you in a potverful position.
APCO Employees Credit Union 750 17th Street North Birmingham, AL 35203 (205) 226-6800