AMERICA’S FIRST FEDERAL CREDIT UNION CREDIT CARD AGREEMENT

Name _____________________________________ Co-applicant’s Name __________________________________

Account Number ______________________ Date Approved _____________ Approved By ____________________

Visa Platinum        

APR 12.30 % Monthly Periodic Rate 1.03 %

Credit Limit $____________

By signing below, I/we certify that all information that I/we provided is true and correct and is furnished for the purpose of obtaining credit. I/we also authorize America’s First Federal Credit Union to check my/our cred-
it and employment history and make whatever inquiries necessary in the course of granting or reviewing credit, or collecting any credit extended. I/we further agree that my/our use of the card(s) will bind me/us to all
terms and conditions contained in the Credit Card Agreement, which I/we have read and signed. By signing this agreement, I acknowledge receipt of the truth-in-lending disclosures as required by law.

CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT

Applicant

Date

Co-Applicant

Date

By signing below you hereby specifically agree to all terms of paragraph 13 of the CREDIT CARD AGREEMENT. As further security, I/we hereby pledge and convey unto the Credit Union all paid
shares and deposits, including but not limited to, share accounts, share draft accounts, share certificates, and Christmas Club accounts, which I/we now or hereafter may have in the Credit Union.
Upon default, I/we hereby authorize this Credit Union to apply any or all such shares and payments on shares and deposits to the payment of said indebtedness now owing or which may hereinafter
accrue. Such pledge shall not extend to an Individual Retirement Account.

CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT

Applicant

Date

Co-Applicant

Date

PLEASE SIGN ON BOTH LINES OR WE CANNOT PROCESS YOUR ACCOUNT

By electing optional Chargegard insurance, I acknowledge that Chargegard includes credit life, disability, involuntary unemployment, and leave of absence to the
extent available in my state as described in the Summary of Insurance. I read and I meet the age eligibility requirements shown in the Summary of Insurance.*
Monthly premium charges are based on the account balance and the rate shown. I may cancel anytime. *Please see the summary of Insurance on page 3.
Yes, please enroll me in Chargegard credit insurance.

Signature
N1991-0299

[
Date of Birth

]

Date
NonStd ID #19

Visa® Platinum Credit Card Agreement

In  this Agreement  the  words  “you”  and  “your”  means  each  person  responsible  for  paying  this Account.  “Card”
means the Visa PLATINUM CREDIT CARD and any duplicates or renewals we issue. “Account” means your Visa
PLATINUM Credit Card Account with us. “We,” “us” and “our” means America's First Federal Credit Union, its suc-
cessors and assigns.
1. RESPONSIBILITY. You agree to be jointly and severally bound by all terms and conditions in this Agreement
and on the Card if you use your Card or permit others to do so including convenience checks that we may pro-
vide to you. You promise to repay all purchases and cash advances which are posted to your account. You also
promise to pay all finance charges, fees, including an Annual Fee if applicable to your account and other charges
assessed on your Account or under this Agreement. Your payments must be in U.S. Dollars from a U.S. financial
institution. You will pay no less than the minimum monthly payment as indicated on your statement each month.
If you make extra or larger payments, you are still required to make at least the minimum monthly payment each
month that your account has a balance. The minimum monthly payment for your account shall be the greater of
2% of your outstanding balance or $10.00.
2. LOST CARD NOTIFICATION. If you believe the Card has been lost or stolen, you will immediately call us at
1-800-325-3678. Twenty Four hours a day. Seven days a week.
3. AUTHORIZED AND UNAUTHORIZED USE OF THE CARD. You may use your card to obtain cash advances
or purchases. You will be jointly and severally liable for all authorized use of your Card, for all credit extended by
us in connection with your Card, regardless of your credit limit. You may be liable for the unauthorized use of your
Card. You will not be liable for unauthorized use that occurs after you notify us orally or in writing of the loss, theft
or possible unauthorized use in a timely manner.  In any case, your liability will not exceed $50.00. You agree to
assist us in ascertaining the facts and circumstances relating to any unauthorized use of the Card. You may not
use the Card for any illegal or unlawful transaction, including but not limited to internet gambling, and we may
decline to authorize any transaction that we believe to be unlawful. The use of the Card to perform an illegal trans-
action is a condition of default and we may terminate your right to use the account and you agree to indemnify us
for any losses suffered as a result of the illegal activity.
4.  CREDIT INFORMATION.  You  authorize  us  to  investigate  your  creditworthiness  when  opening,  renewing  or
reviewing your Account. Upon our request, you agree to update any credit information you have previously fur-
nished us. You also authorize us to request and provide information concerning your credit history from and to
other creditors and credit reporting agencies.
5. CREDIT LIMIT. A credit limit will be assigned to you by us and will be determined by the information submitted
on your credit application, and by other credit information received by us. You may not allow the balance of your
account  to  exceed  the  approved  credit  limit.  We  may  in  our  discretion,  allow  advances  from  your  account  in
excess of your credit limit, and these advances are subject to all the provisions of this Agreement. You agree to
repay any amount over your credit limit immediately upon demand. The credit limit applicable to your account will
be disclosed on each monthly statement and is subject to change without notice to you. 
6. SURRENDER OF CARD. The Credit Card remains the property of the Credit Union. Notwithstanding the expi-
ration date on the Credit Card, your right to use the Credit Card may be cancelled or terminated for any reason.
You must surrender the Card immediately to us or to our agent upon demand. 
7. FINANCE CHARGE. If you have a zero purchase balance at the beginning of the statement cycle you can avoid
a finance charge on purchases billed during the cycle by paying the new balance of Purchases within 25 days of
the statement closing date. Otherwise, purchases will be subject to a finance charge from the date they are post-
ed to the account. Finance charges are calculated at the periodic rate and Annual Percentage Rate disclosed to
you on the average daily balance of purchases and cash advances posted to your account. Any finance charge
we add to your Account is the amount payable as a condition of credit. Finance charges do not include (1) pre-
miums for optional credit insurance you obtain from us, (2) fees for participation or membership in the card pro-
gram, (3) fees for late payments, (4) if you agree, fees for exceeding your credit limit, or (5) any other fees appli-
cable to your account including the failure to comply with the terms and conditions of your account. Except for the
Grace Period for purchases or minimum finance charge described in your Truth in Lending disclosure, you are
charged finance charges each month for any part of the credit that was extended to you that remains unpaid as
of  the  statement  date. A finance  charge  is  imposed  on  cash  advances  from  the  day  they  are  posted  to  your
account. You can pay all or any part of your Account balance at anytime without any prepayment penalty.
8. DEFAULT. You will be in default if you exceed your line of credit, fail to pay any sum when it is due, die, file a
petition in Bankruptcy Court or become insolvent, or if you fail to comply with any of the terms or conditions of this
Agreement. If we, for good cause, should deem ourselves insecure, then we may without prior notice and in our

sole discretion, do any or all of the following: (1) terminate this Agreement and revoke your right to use the Card,
(2) declare the entire balance of your Account due and payable, (3) refuse to honor further Card transactions, or
(4) apply any shares or other property you have pledged as security for this Agreement against the amount you
owe under this Agreement.
9. MISCELLANEOUS. You agree to notify us in writing of any change in your name, address or employment. You
agree not to permit the use of the Card if you know that credit privileges have been terminated or suspended. You will
notify us immediately if you believe any unauthorized use of the Card has or may have occurred, and you will assist
us in any related investigation. You will notify us immediately upon the loss or theft of the Card. Neither we nor any of
our processors, agents or servants are responsible if anyone refuses to honor the Card. This Agreement and all trans-
actions made pursuant hereto shall be governed by the laws of the State of Alabama except as preempted by the laws
of the United States. If there is any conflict between the provisions of this Agreement and those of any sales draft, cash
advance slip or other documents you sign or authenticate in connection with the use of the Card, the provisions of the
Agreement shall control. If more than one person signed your Card Agreement, they are also bound hereunder. No
delay by us in exercising any of our rights under this Agreement will be a waiver of that right or any other right.
10. CHANGE IN TERMS. We may change any term or part of the Credit Card Agreement, allowed by law, includ-
ing finance charges, rates, fees, or method of computing any balance upon which the finance charge is assessed
by sending you written notice as required by law. Any such changes will only apply to new charges made after
that date.  If you do not agree to the change in terms, you must notify us in writing before the effective date of the
Change in Terms that is provided to you to the address provided in the notice of change, and your account will be
closed to additional transactions and you must pay us the balance that you owe us under the existing terms of the
unchanged Credit Card Agreement. Otherwise, you will have agreed to the change in the notice. Use of the Credit
Card after the effective date of the change shall be deemed acceptance of the new terms as to such effective date,
even if you had previously notified us that you did not agree with the change.
11.  TERMINATION.  Subject  to  applicable  laws  and  regulations,  we  may,  in  our  sole  discretion,  terminate  this
Agreement and your right to use your Card at any time. You may terminate this Agreement with respect to future
transactions, but you will remain liable for payment of all amounts due under this Agreement prior to the termination.
12. FOREIGN TRANSACTIONS. If you make a transaction in a foreign currency, it will be converted into a U.S.
Dollar amount. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the
range of rates available in wholesale currency markets for the applicable central processing date, which rate may
vary from the rate Visa receives, or the government mandated rate in effect for the applicable central processing
date, plus 1%.
13.  SECURITY INTEREST.  To  secure  your  account,  you  hereby  pledge  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 individually, jointly or in trust, as security for any and all amounts owed by the use of your Card and
any interest or fees accrued thereon.  Upon default, you authorize us to take what you owe us out of any deposit
accounts (except Individual Retirement Accounts) you have with us.
14. LIMITATIONS ON USE OF YOUR CARD. Payments of $5,000.00 or more will result in a five-day delay before
any additional credit limit is made available for subsequent purchases or cash advances. There is a daily limit of
$10,000.00 for purchases and a daily limit of $5,000.00 for cash advances if allowed by your credit limit.
15. NOTICES. Except as otherwise provided in the Agreement, all notices are to be given in writing. All notices
given by us to you shall be deemed given when deposited in the United States Mail, first class postage prepaid,
and addressed to the last known address in our records of the Account Holder whose name appears first on your
Credit Card Agreement. All notices to us by you shall be deemed given when we receive them. 
16.  REWARDS  PROGRAMS.  If  your  account  has  a  Rewards  program,  you  will  receive  information  separately
about the terms and conditions of any such program and how you may view and redeem your Rewards.
17. COLLECTION COSTS & ATTORNEY FEES. You agree to pay all cost of collecting the amount you owe under
this Agreement including a reasonable attorney’s fee if the unpaid balance exceeds $300.00 and the matter is
referred to an attorney who is not a salaried employee of the Credit Union. 
18. TRUTH IN LENDING DISCLOSURE. The additional terms and conditions that appear in the Truth in Lending
Disclosure provided to you are incorporated herein and made a part of this agreement.
19. INVALIDITY OF PROVISIONS AND CAPTIONS. If any provision of this Agreement is deemed to be invalid
the remaining provisions will remain in full force and effect. The paragraph headings are for convenience only and
do not form a part of this Agreement.

Visa Rev. 12/2010

Important information concerning your rights and our responsibilities is printed on the next page.

Page 1 of 4

Visa® Platinum Credit Card

   Interest Rates and Interest Charges

   Annual Percentage Rate 
  (APR) For Purchases

12.30%      

   APR for Balance Transfers 

.75% (Promotional APR that ends on 04/30/2012). For balance transfers 
that post by October 31, 2011. When the promotional period ends on the 
date listed above, your APR will be 12.30%.

   APR for Cash Advances

12.30% 

Penalty APR and 
When it Applies 

  None

  Paying Interest

 Your due date is at least 25 days after the close of each billing cycle.
 We will not charge you any interest on purchases if you pay your entire 
 balance by the due date each month. We will begin charging interest on 
 cash advances and balance transfers on the transaction date.

Minimum Interest Charge 

 None

For Credit Card Tips from 
the  Federal Reserve Board

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard 

   Fees
 Annual Fee
  Penalty Fees

     Late Payment

 None         

 Up to $25.00

     Over-the-Credit Limit

 None 

     Returned Payment

 Up to $23.00      

How we will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement.

Rev 08/2011

Page  2 of 4

     
     
      
     
      
  
     
   
               
 
    
  
    
    
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:

  America’s First Federal Credit Union
  P.O. Box 11349
  Birmingham, Alabama 35202
  You may also contact us on the Web at: www.amfirst.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		

If	you	receive	our	explanation	but	still	believe	that	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	question-
ing	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	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	adver-	
tisement	we	mailed	to	you,	or	if	we	own	the	company	that	sold	you	the	goods		

	 want	to	stop	payment	on	the	amount	you	think	is	wrong.		

  or services.)

  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.

	 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.

What Will Happen After We Receive Your Letter

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

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.

If	all	of	the	criteria	above	are	met	and	you	are	still	dissatisfied	with	the	pur-

chase, contact us in writing or electronically at:

  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.

Toll Free: 1-800-633-8431, ext. 4170  

  America’s First Federal Credit Union
  P.O. Box 11349
  Birmingham, Alabama 35202
  www.amfirst.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.

Rev. 4/2010

     Local: 205-320-4170

Page  3 of 4

 
 
 
 
 
	
	
 
	
 
 
 
 
 
 
	
	
	
	
	
	
	
 
	
	
	
	
	
	
	
	
 
	
 
	
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SUMMARY OF INSURANCE COVERAGES

unemployment in MA & TX; strike, lockout or illegal walkout in 
NY. Unemployment coverage is not available in ND & NE.

IMPORTANT INFORMATION ON CHARGEGARD LIMITA-
TIONS, EXCLUSIONS, COSTS:
 Upon acceptance of your enrollment, you will receive your 
certificates and/or policies indicating your effective date. Eligibil-
ity, restrictions and exclusions vary by coverage and state. Read 
your certificates and/or policies carefully for full details. If you 
have other insurance that covers the same risks as described, 
you may not need or want to purchase this insurance. This credit 
insurance is optional. You are not required to purchase the insur-
ance to obtain credit. You are free to cancel anytime. Premium 
rates are subject to change. Rates disclosed are accurate as of 
the printing date of this disclosure. The underwriters referenced 
below reserve the right to modify the terms and conditions of 
the insurance certificates and/or policies upon written notice and 
subject to state regulations.
CHARGEGARD IS NOT AVAILABLE IN: KY & MN
LIFE, DISABILITY, UNEMPLOYMENT AND LEAVE OF 
ABSENCE COVERAGES APPLY ONLY TO THE PERSON 
WHOSE NAME APPEARS FIRST ON THE ACCOUNT. 

LIFE: If you die, Chargegard will pay to the Creditor the 
outstanding account balance as of the date of death, up to 
the master policy maximum of $10,000.  Suicide is excluded 
except in MD & MO.  Life coverage is replaced with Accidental 
Death coverage at age 66 in IA.

DISABILITY: If you become totally disabled, Chargegard will 
pay to the Creditor your scheduled minimum monthly payment 
due on your account on the date of loss. Benefits begin after 
30 consecutive days of disability and are retroactive to the first 
day of loss. In MA, Chargegard will pay to the Creditor your 
scheduled minimum monthly payment. Disability coverage is not 
retroactive in MA. Benefits will continue until your balance on the 
date of loss is paid off, you return to work, you are no longer 
disabled, or you reach the master policy maximum of $10,000, 
whichever occurs first. In GA and SD you are eligible for cover-
age if employed full-time in a nonseasonal occupation; in NY if 
employed 30 hours a week and not a partnership, corporation 
or association. Disability benefits are not payable for self-inflicted 
injury (except in AL, GA, IA, MD, SD & TX); flight in nonsched-
uled aircraft in MA & PA; war or foreign travel or residence in 
MA; normal pregnancy in CA & PA.

UNEMPLOYMENT: If you become involuntarily unemployed, 
Chargegard will pay to the Creditor your scheduled minimum 
monthly payment due on your account as of the date of loss, un-
til your balance is paid off, you return to work, or you reach the 
$10,000 master policy maximum, whichever occurs first. In MA 
& TX you are eligible for coverage if you are employed for 90 
days at least 30 hours a week in a nonseasonal occupation for 
the same employer, and are not self employed, an independent 
contractor or a controlling stockholder of your employer; in IA & 
GA if employed full-time in a nonseasonal occupation; in PA if 
working 30 or more hours per week for at least 9 months of the 
year. Benefits begin after 30 consecutive days of unemploy-
ment and are retroactive to the first day of loss. Unemploy-
ment benefits are limited to 12 months in PA. Unemployment 
excludes discharge for cause (except in AL, AZ, GA, IA, NY, PA, 
SC & SD); willful or criminal misconduct in AZ, CO, MD, MA, 
MO, NY & TX; forbidden acts, violation of established policies or 
neglect of duty in MA, MO & TX; being notiified either orally or in 
writing of pending unemployment in MA & TX; normal seasonal 

LEAVE OF ABSENCE: If you take an employer-approved 
unpaid leave of absence from work due to: accident or illness 
of an immediate family member; childbirth / adoption; recall to 
active military service; residing in a federally-declared disaster 
area; placement of a foster child in your home (in NC only); or 
petit or grand jury duty (in NC only), Chargegard will pay to the 
Creditor your scheduled minimum monthly payment based on 
the outstanding balance as of the date of leave until your balance 
is paid off, you return to work, or you reach the $10,000 master 
policy maximum, whichever occurs first. Benefits begin after 30 
consecutive days of leave and are retroactive to the first day of 
leave. In AL, CO, GA, IA, MD, MA, PA & SD, you are eligible for 
this coverage if employed full-time, in a non-seasonal occupation 
and are not self-employed. Benefit payments do not apply to 
leave during the first 90 days of coverage (except in CA, KS, 
MD, ND & OR). Leave of absence excludes pre-existing condi-
tions (except in MD & NC). Leave of absence benefits are limited 
to 9 months in OR. Leave of Absence coverage is not available 
in MO, NY, TX & VA.

GENERAL PROVISIONS: Maximum enrollment age in all states 
is 70, except 65 in CO, IA, MA, NY & PA; 69 in AL, AZ, GA & 
SD; 71 in NM. No maximum enrollment age in TX. Coverage 
terminates in all states at age 71, except 66 in CO, IA, MA, NY 
& PA; 70 in AZ; 72 in NM. No termination age in AL, GA, SD 
& TX.

COST PER $100 PER MONTH: 70.6¢ in AK; 76.7¢ in AL; 
91.4¢ in AR; 71.1¢ in AZ; 85¢ in CA; 48.6¢ in CO; 83.8¢ in 
CT; 85.7¢ in DC; 89¢ in DE; 80.5¢ in FL; 79.8¢ in GA; 72.5¢ 
in HI; 86.4¢ in ID; 73.7¢ in IA; 82.9¢ in IL; 83.2¢ in IN; 85.6¢ 
in KS; 96.4¢ in LA; 67.7¢ in ME; 41.9¢ in MD; 64.9¢ in MA; 
82.3¢ in MI; 53¢ in MO; $1.068 in MS; 81¢ in MT; 69.8¢ 
in NH; 70.4¢ in NJ; 70.3¢ in NM; 87.9¢ in NV; 23.3¢ in NY; 
56.8¢ in NC; 44.9¢ in ND; 46.2¢ in NE; 75.5¢ in OH, 86.1¢ 
in OK; 71.9¢ in OR; 65.6¢ in PA; 82.1¢ in RI; 82.2¢ in SC; 
82¢ in SD; 88.2¢ in TN; 38.6¢ in TX; 80.1¢ in UT; 35.3¢ in 
VA; 63.6¢ in VT;  69.4¢ in WI; 89¢ in WV; 75.4¢ in WA; 86¢ 
in WY. The cost of credit insurance will be financed at the rate 
specified in your credit card agreement.
Coverage is underwritten by American Bankers Life Assurance 
Company of Florida, American Bankers Insurance Company 
of Florida and American Reliable Insurance Company, 11222 
Quail Roost Drive, Miami, FL 33157-6596 and Union Security 
Life Insurance Company of New York, Syracuse, NY. In TX 
life & disability certificate number – AE2608CB-0901 (3.53 
R.A.) unemployment certificate number – AD9139CQ-0499. 
In CA, life and disability coverage provided by ABLAC and ARIC 
provides remaining coverages described above. Coverage for life 
and disability is provided under form numbers AE2415PL-0999, 
B3539PQ-0397, AR8758EQ-0297 & AR8770EQ-0597. The 
creditor has a financial interest in the sale of this insurance. Ana 
Aguila is the licensed agent for the states of FL, ND & WV.
Coverages are only available as a package. If you cancel 
within 30 days of receiving your certificate, we will refund your 
premium. Insurance and cost disclosures are accurate as of 
2/16/06.

This insurance product is not a deposit, nor is it 
insured or guaranteed by the NCUA, America’s First 
Federal Credit Union, or any Federal Goverment Agen-
cy. We may not condition your extension of credit on 

either: your purchase of an insurance product from us 
or our affiliates, your agreement not to obtain insur-
ance from an unaffiliated entity, or a prohibition on 
your obtaining insurance from an unaffiliated entity.

AR, LA, ME, NM, OH, TN & VA residents: Any person who 
knowingly and with intent to defraud any insurance company 
or other person files an application for insurance or statement 
of claim containing any materially false information or conceals, 
for the purpose of misleading, information concerning any fact 
material thereto, commits a fraudulent insurance act, which is a 
crime and may subject such person to criminal and substantial 
civil penalties. (VA residents; this notice is not applicable to life 
and health insurance).
DC residents: It is a crime to provide false or misleading infor-
mation to an insurer for the purpose of defrauding the insurer or 
any other person. Penalties include imprisonment and/or fines. In 
addition, an insurer may deny insurance benefits if false informa-
tion materially related to a claim was provided by the applicant.
FL residents: Any person who knowingly and with intent to 
injure, defraud or deceive any insurer files a statement of claim 
or an application containing any false, incomplete, or misleading 
information is guilty of a felony of the third degree.
NJ residents: Any person who includes false or misleading 
information on an application for insurance policy is subject to 
criminal and civil penalties.
PA residents: Any person who knowingly and with intent to 
defraud any insurance company or other person files an applica-
tion for insurance or statement of claim containing any materially 
false information or conceals for the purpose of misleading, 
information concerning any fact material thereto commits a 
fraudulent insurance act, which is a crime and subjects such 
person to criminal and civil penalties.
MA residents: You may purchase optional credit life insurance 
and credit disability insurance.

CREDIT LIFE INSURANCE: If you die while coverage is in 
force, we will pay the outstanding balance of your loan to the 
creditor. We will not pay a life benefit in the first 2 years if you 
die as a result of suicide.

CREDIT DISABILITY COVERAGE: If you become disabled 
while this coverage is in force, we will pay up to your minimum 
monthly payment, as of the date of your disability, to the creditor. 
We will not pay benefits if your disability is the result of war, a 
self-inflicted injury, flight in non-scheduled aircraft, foreign travel 
or residence or a pre-existing illness. You must send proof of 
disability within 90 days.  There is a 30 day waiting period. You 
are eligible for this coverage if you work 30 hours a week, are in 
a non-seasonal occupation and meet the age criteria below.

GENERAL: See certificate of insurance for specific definitions. 
You are eligible for optional credit life insurance and credit 
disability insurance if you are between 18 and 65 years of age. 
Coverage will expire on your 66th birthday. The maximum 
benefit is $10,000. You may cancel this coverage at any time. 
All unearned premiums will be credited to your account by the 
actuarial method for life coverage and by the pro-rata rule for 
disability coverage. The premium rate for the credit life and credit 
disability insurance is $0.159 per $100 of monthly outstanding 
balance. These coverages can only be purchased as a package. 
If other insurance exists that covers this risk or that may cover 
this risk, one may not want or need this coverage.

Page  4 of 4