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 Ci 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,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
, □ LANDLORD □ MORTGAGEE				$	S	$
2.				$	$	$
3.				$	$	$
4.				$	$	$
5.				$	$	$
6.				$	$	$
7+				$	$	5
0.				$	$	3
9.				$	$	$
wpHILO 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 Cord 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 with 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 the FINANCE CHARGE arising from the use of the Card ond the 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 cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request ond if you return all Cards. Your obligolion 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 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 tronsaclions, including but 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 stolen, 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 that ihe card was lost or stolen, the cardholder liability is $0 (zero). If a cardholder reports the loss or iheftof a card beyond two business days of discovery that ihe card was lost or stolen, ihe cardholder (lability is $50.
3.	liability for Unauthorized Use. You may be liable lor the unauthorized use of your card. You will not be liable for unauthorized use that 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 lost or stolen, your liability is $0 (zero). If you provide proper notification of other unauthorized VISA transactions, your maximum liability is $0 (zero). We moy require you to provide a written 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 tronsaclions or olher elec Ironic 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 ils amount when we issue the Cord. You agree not to let Ine Account Mance exceed this approved Credit line. Each payment you mace on the Accounl will restore your Credit Line by the amount of the payment which is applied Io principal. You may 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 Agreement of any time, bul termination by either you or us does nol affect your obligation to pay the Account balance. The Cards remain our property, and you must recover and surrender Io us oil Cards upon our request and upon termination of ihis Agreement.
5.	Credit Information. You authorize us to investigate your credit 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 credit standing.
6.	Payments. Each month you musi pay ot leas! ihe minimum paymenl shown on your statement by the date specified on the statement or no later ihan 25 days from ihe slaiemenl closing date, whichever is later. If your statement says the payment is 'Now Due,' your paymenl is due no later ihon 25 days from the statement closing doie. You may pay more frequently, pay mare than the minimum paymenl or pay the Total New Balance in full. It you moke extra or larger payments, you are still required fo moke at leost the minimum payment each month your Accounl 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 limit. The Credil Union also hos tbe 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 to what you owe the Credit Union in any manner the Credil Union chooses. Currently, Paymenls made io 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 lull" or wilh words of similar effeci without losing any of our rights Io collect the full balance of your account wilh us. When a scheduled payment is late 10 days or more, the lale 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 amount.
7.	Finance Charges. If you have a zero purchose balance at the beginning of a statement cycle, you can avoid a FINANCE CHARGE on purchases billed during the cycle by paying the full amount of the New Balance of Purchase within 25 days of your statement closing date. Otherwise, purchases will be subject to a FINANCE CHARGE from the day they are posted Io your account. Cosh advances are always subject to a FINANCE CHARGE from the day they 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 multiplying the periodic rale by the separate average daily
balance for purchases and cash advances. Each average daily balance is determined by faking the 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 the daily balances. The doily balances are totaled, and divided by the number of days in the statement period Io produce separate average daily principal balances for purchases and cash advances la which the 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 Io repay us is materially reduced by a change In your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, (b) you break any promise you nave made to us, under this Agreement or ony other agreement you have wilh us, |c) anyslotemenl you have made tn ihis Agreement, in connection with this Agreement, or in connection with any oiner agreement you have wilh us is nol true, or [dl we should otherwise Teel insecure in receiving paymenl of the Account balance for whatever reason. If you are in default, we have ihe right to demand immediate paymenl of your full Account Balance at once without notice to you. In the event of a default, you agree fo 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, reasonahle attorney's fees if the debt is referred for collection io any attorney 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 merchant and others who accept VISA cards. In addition, you may obtain cash advances from ihe Credit Union, from olher financial institutions participating in the VISA program ond from automated feller machines (ATMs), such os VISA ATM Network, which provide access Io 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 advance, bul not less thon $3.00. The monthly slaiemenl will identify the merchanl, electronic terminal or financial institution ol which transactions were mode, but sales, cosh advance, creditor olher slips cannot be relumed wilh the statement. You will relain ihe copy of such slips furnished ol the lime of the transaction 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 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 paymenls exceed what you owe us, we will hold and apply this credil balance against fulure purchases ond cash advances, or if it Is $1 ar mare, refund it on your written request or automatically after 6 months.
11.	Foreign Transactions. Purchases ond cash advances made in foreign countries and foreign currencies will be billed to you in U.S. Dollars. The conversion rafe Io dollars will be made in accordance wilh ihe operating regulations lor international transactions established by VISA International, Inc.
12.	Plan Merchant Dispute. We ore nett responsible for the refusal of any plan merchant or financial institution to honor your Card. We are subject la 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 ihe plan merchanl, and; |a) your purchase was mode in response Io an advertisement we sen! or participated in sending you, or (b) your purchase cost more than $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 merchanl.
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 oil shares and/or deposits (including amounts in draft accounls) ond payments and earnings thereon which you now or hereafter may have with us, whether held joinlfy, individually or in trust, as security for ony and all monies advanced or purchases made by use of the Card and any interesf accrued thereon. Upon default you authorize us to lake what you owe us oul of any such account (excepl Individual Retirement Accounts) you have wilh us.
14.	Effects a( Agreement. This Agreement is the conlract which applies to all transactions on your Account even though the sales, cash advance, credit or other slips you sign or receive may contain differenl terms. We may amend this Agreement from time Io time by sending you ony advance written notice required by low. Any amendment Io Ihis Agreement will lake effect on the day it is mailed unless advance nolice is required by law. Your use of ihe Cord thereafter will indicate your agreement to the amendments. Ta ihe extent the taw 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 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 tn enforcemenl of our rights under ihe Agreement 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 this Agreement is deemed invalid the rest of this Agreement 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 Agreement 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 the Fair Credit Billing Act.
WHAT TODO IF YOU HMD A MISTAKE CN YOUR SIATEME 111
If you tbtnl ttiere Is an error on yout statement, write to 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.
* Dottor omounl: The doltor of the suspected error.
1 Description of problem: If you think there is an error on your bill, describe what you believe is wrong ond why you believe it is a mistake.
You must contact vs:
‘ Wilkin 60 days after the etror 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 requited 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 recurring your letter, we must fell you thot we received your fetter. 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 to you why wo believe the bill is correct.
While we investigate whether or not there has been on error:
■	We cannot try to collect the amount in question, or report you as delinquent on then 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 to pay the ornount in question, you ore responsible lor the remainder of your balance.
■	We con apply any unpaid amount against your credit limit.
After we finish our TnvesfigalTon, one of Iwo things will happen:
■	If we made a m isfake: You will not have to pay the amount in question or any i nleresl of other fees related b that amour.t.
■	If we do nut believe there was a mistake: You will have Io pay the amount in question, aksng with the applicable interest and lees. We veil send you a statement of the amount you awe ond the dote payment is due. We may then report you os delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bl I 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 os detinquenl without also reporting that you ore still questioning your bill. Wb must lei you the name of anyone to whom we report you os delinquent, ond we must let those organisations know when the mutter has been settled between us. If we do not follow all ol the tides obove, you da not have la pay the first $50 of the amount you question even if your bill is cowed.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied with tbe goods or services fhot you have purchased with yow credit card, ond you have tried in good faith to correct the problem with the merchant, you may have die right nol Io pay the remaining amount due on the purchase.
To use this right, oil of the fallowing 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 must have been more than $50. [MOTE: 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 ihe goods or services.)
2.	You must have used your credit cord for the purchase. Purchases made with cosh advances from on ATM or with o check that access your credit cord account do not qualify.
3.	You must not yet have fully paid far the purchase.
If all of the criteria above ore met ond you ore still dissatisfied with the purchase, contact us in writing of: APCO Employees Credit Union at P.O. Box 2288 Birmingham, Alabama 35201. While we investigate, the some rules apply to the disputed amount as discussed above. After we linisfi our invesligolioa, we will tell you our decision. Al that point, if we ihir.k 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 not vary in relation io on index. However, all terms of your Visa Cord Agreement are subject to change with 45 days prior notice.
APR for Balance Transfers	10.9% Your APR will no! vary in relation to on index. However, all terms of your Visa Card Agreement are subject Io change with 45 days prior notice.
APR for Cash Advances	10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject 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 the lull amount of the new balance of purchases within 25 cloys of your statement 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 leorn more about factors Io consider when applying for or using a credit cord, visit the website of the Consumer Financial Protection Bureau at http://wvAv.consumeffinance.gov/leommore
Fees
AnnualFe©	None
Transaction Fees • Cosh Advances • Balance Transfers ® Foreign Transactions	1% of amount of cash advance but not less than $3.
	NONE
	1%
Penalty Fess •	Late Payment •	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 Credit 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 Cmdit Union 750 17th Street North Birmingham, AL 35203 (205) 226-6800