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 QRENT	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, MV, 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 GO-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*				$	$	$
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 GO-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 ihis 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 ihe Account. For example, you ore responsible for charges made by anyone else to whom you give the Cord, and this responsibility continues until the Card is recovered. You cannot disclaim responsibility by notifying us, but we will close the Account for new tronsac lions 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 party 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 no! be used far any illegal or unlawful activity or transactions, 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 Nolificalion. If you believe the Cord hos been lost or stolen, you will immediately call us of (205) 226-6800 or 1-000-249-2726 daring normol business hours. After hours call (8001991-4961. If a cardholder reports the loss or theft of a cord within Iwo business days of discovery ihal 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 doys of discovery that ihe card was lost or stolen, ihe cardholder liobilily 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 wrillen statement regarding claims al unauthorized transactions. These limits of liability may be exceeded, to the exlent allowed under applicable law, if we determine that the occounl was handled tn a fraudulent or grossly negligent manner. These provisions for cardholders liability do no! apply to transactions an Visa Commercial Cards, Visa or Plus* ATM transactions or olher elec Ironic transfer. Such liability limils do not apply when the Card is used to mate an electronic fund transfer.
4.	Credit line. If we approve your applicalion, we will establish a self-replenishing Line of Credit for you ond notify you of its omounl when we issue the Card. You agree not to let Ine Account balance exceed this approved Credit line. Each payment you make on the Acceunl will restore your Credit Line by the amount of the payment which is applied Io principal. You moy request an increase in your Credit Line only by written application to us, which must 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 ibis Agreemen! of any time, bul terminalion by either you or us does nol affect your obligation to pay the Account balance. The Cards remain our property, and you musl recover and surrender Io us all Cards upon our request and upon terminalion of ihis Agreemen!.
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 musl pay ot least ihe minimum payment shown on your statement by the date specified on the statement or no later ihan 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 than 25 days from the statement closing dole. You may pay more frequently, pay mare than the minimum payment or pay the Total New Balance in full. It you moke extra or larger payments, you are still required to moke at least the minimum payment each month your Account has a balance (olher 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, and any amount by which you are 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 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 and Finance Charges; Previously Billed Purchases; Cash Advances; Nev/ Purchases, We may accept checks marked 'payment in fur or wilh words of similar effeci wilhouf 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, the Idle fee assessed will be $25, or 535 if you have hod a lale paymen! in the lost six billing cycles. However, if your minimum paymenl is less than the late fee, then your late fee will be equal to your minimum payment omounl.
7.	Finance Charges. If you have a zero purchase balance at ihe beginning of a statement cycle, you can avoid o FINANCE CHARGE on purchases billed during the cycle by paying the full amount of the New Balance af 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 subjecl Io a FINANCE CHARGE from the day ihey are posted to your account. The FINANCE CHARGE [interest) is cclculaled ol the periodic rate af .900% per month (ANNUAL PERCENTAGE RATE OF 10.90%), on the average doily principal balances of purchases and cosh advances in the Account. Separate Finance Charges for purchases and cash advances ore 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 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 foil 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 Agreemen!, (b) you break any promise you nave made to us, under this Agreement or ony other agreement you have v/ith us, |c) anyslotemenl you have made tn ihis Agreement, in connedion with this Agreement, or in connection with any ainer agreement you have wilh 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 ihe right to demand immediate paymenl of your full Account Balance at once wilhoul notice to you. In the event of a default, you agree !o 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, reasonaEle allorne/s fees if the debt is referred for collection !o any a Horney who is nol our employee and if suit is filed, court cosls.
9.	Using the Card. You may use the card issued to you to make 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 Credit Union, from olher financial institutions participating in the VISA program ond from outomated feller machines (ATMs), such os VISA ATM Network, which provide access Io the VISA system. (Nol oil ATMs provide such access.) You will need to use your Personal Idenlificalion 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 thon $3,00. The monthly statement will identify the merchant, electronic terminal or financial institution oi which Iransaclionswere mode, but sales, cosh advance, creditor olher slips cannot be relumed wilh the statement. You will relain ihe copy of such slips furnished o! the lime of the transaction in order Io verify ihe 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, ond they do so by sending us a credit slip which we will post to your Account. If your credits and paymenls exceed what you owe us, we will hold ond apply ihis credil balance against fulure purchases ond cosh advances, or if it Is $1 or more, refund it on your written request or automolicallyofler 6 months.
11.	Foreign Transactions. Purchases ond cash advances made in foreign counIries and foreign currencies will be billed fa you in U.S. Dollars. The conversion rate 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 not responsible for the refusal of any plan merchant or financial institution to honor your Cord. 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 ihe pion merchant, ond; |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 ol your home. Any other disputes you must resolve directly wilh 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 th rough use of the Card. If you default, we will have the right to recover any of these goods which have nol been paid for Inrough our application ofyour paymenls in ihe manner described in Paragraph 6. Yau pledge all shares and/or deposits (including amounts in draft accounls) ond paymenls and eornings thereon which you now or hereafter may have wilh us, whelher held joinlfy, individually or in trust, as security for ony and all monies advanced or purchases made by use of the Card and any iuteres! accrued thereon. Upon default you authorize us to lake what you owe us oul of any such account (excepl Individual Retirement Accounls) you have wilh us.
14.	Effects of Agreement. This Agreement is the conlract which applies to all transactions on your Account even ihough the sales, cash advance, credil or olher slips you sign or receive may contain different terms. We may amend ihis Agreement from time Io time by sending you ony advance written nolice required by low. Any amendment Io Ihis Agreement will lake effect on the day it is moiled unless odvonce nolice is required by law. Your use of ihe Cord thereafter will indicate your agreement to the amendment. 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 tn enforcemenl or our rights under ihe Agreement will resell in any loss of our rights or relieve you of ony o( your obligations. All claims related to ony account with the Credil Union shall be resolved by binding arbitration.
16.	Invalidity of Provisions and Capfions. 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 applicalion you acknowledge receipt of a copy of this Agreement and Billing Rights Statement which should be torn off ihe applicalion 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 think 8iere 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 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 us:
‘ 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 us of any potential errors in writing. You may call us, but if you do we ore not tequited 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 that we received your tenor. 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 Io pay the omounl in question, you ore responsible lor Ihe remainder of your balance.
■	We con apply any unpaid amount ogoinsl your credit limit.
After we finish our investigate, one of Iwo things will happen:
■	If we made a m isfake: You will not have to pay ihe amount in question or any i nleresl of other fees related b that amovr.l.
■	If we do not believe there was a mistake: You will have Io pay the 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 sliH 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 delinquent 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 mart let those organisations know when the muller has been settled between us. If we do not follow all of the rules above, you da not have la pay the first $50 of the amount you question even if your bill is entree!.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
II you are dissatisfied with tbe goods or services fhiot you have purchased with your credit card, ond you hove tried in good faith to coned the problem with the merchant, you may have die right nol Io pay the remaining amount due on the purchase.
To use this right, all of 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 pace 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 vra awn the company that sold you the goods or service s.)
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 not yet have fully paid far Ihe purchase.
If oil of the criteria above ore met ond you ore still dissatisfied with the purchase, contact us in writing at: APCO Employees Credit Union at P.O, Box 2288 Birmingham, Alabama 35201. While we investigate, the some rules apply Io ihe disputed amount as discussed above. After we linisli 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 relation to 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 Agreemenl are subject lo change with 45 days prior notice.
APR for Cash Advances	10.9% Your APR will not vary in relation to on index. However, all terms of your Visa Card Agreemenl are subjecl to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases	You can ovoid interest on purchases billed during ihe cycle by paying ihe full amount of the new balance of purchases within 25 days 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 learn more about foctois lo consider when applying for or using a credil cord, visit ihe website of the Consumer Financial Protection Bureau ol http://wvav, consumerfinance.gov/leammore
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 Replacemenl 0 Return Paymen!	$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