With Alabama Credit Union, you�ll earn                                    Interest Rates and Interest Charges 
                                                                                    Based on your creditworthiness
   ScoreCard Rewards
                                                                             Annual Percentage 
                                  �                                          Rate (APR) for 
   with your MasterCard             Credit Card                                         12.9%  10.9%  8.9%
                                                                             Purchase
                                                                             APR for Balance 
                                                                             Transfers  12.9%  10.9%  8.9%
                                                                             APR for Cash 
    We want you to feel good about your money. So we                         Transfers  12.9%  10.9%  8.9%
    make it easier to manage your everyday purchases                         Penalty APR and 
                                                                                          None   None  None
                    � 
    with our MasterCard Credit Card. Plus, with rates                        When It Applies
                                                                                        Your due date is at least 25 days after 
    as low as 8.9% APR* and ScoreCard Reward points 
                                                                             How to Avoid  the close of each billing cycle. We will 
     earned for every dollar spent on retail purchases,                      Paying Interest on  not charge you interest on purchases if 
                                                                             Purchases  you pay your entire balance by the due 
                  saving money never felt so good. 
                                                                                              date each month. 
                                                                             Minimum Interest 
                                                                                          None   None  None
                                                                             Charge
                                                                                        To learn more about factors to consider 
                                                                             For Credit Card 
                                                                                        when applying for or using a credit 
                                                                             Tips from the 
                                                                                        card, visit the website of the Consumer 
                                                                             Federal Reserve 
                                                                                        Financial  Protection  Bureau  at  www.
                                                                             Board 
                                                                                          consumer?nance.gov/learnmore
   WhAT DO YOU GET with ALABAMA CREDIT UNION�S 
                                                                             Fees
                � 
   MasterCard     Credit Card? 
                                                                             Annual Fee   None   None  None
    -  No annual fee
    -  25-day grace period for new purchases
                                                                             Transaction Fees None  None None
    -  Price Protection program
                                                                             Penalty Fees: 
    -  Identity Theft Resolution Services                                                 $20    $20    $20
                                                                             (NSF)
    -  Extended Warranty
                                                                             (Late Payment Fee) $20 $20 $20
    -  Zero Liability Protection
    -  Auto Rental Insurance                                                 Other Fees  
                                                                                          None   None  None
                                                                             (Over-Limit Fee)
                         TM
    -  MasterCard Global Service
   Choose the level that matches your needs, and enjoy low rates,            How We Will Calculate Your Balance: We use a method called 
    -  High credit limit, subject to approval
                                                                             �Average daily balance (including new purchases)�
   convenience and special bene?ts with Alabama Credit Union!
    -  Balance transfer option - save money right away when you    
      transfer your credit card debts to your new Alabama Credit                    The information about the costs of the cards 
                                                                                    described in this application is accurate as of 
        Union Credit Card                                                           August, 2014. This information may have changed 
                                                                                    after that date. To ?nd out what may have changed, 
                                                                                    call 888.817.2002. Alabama Credit Union is an 
                                                                                    Equal Opportunity Lender. Membership eligibility 
                                                                                    required. Your savings federally insured to at 
                                                                                    least $250,000 and backed by the full faith 
   Feel good about your money. 
                                                                                    and credit of the United States Government..
                                        must be approved by Our credit committee or loan of?cer.  Payment for cash advances, then to Minimum Payment 
   MASTERCARD �  CREDIT CARD AGREEMENT  We may from time to time, increase the amount of your  for purchases, then to the balance of cash advances, then 
   (Keep for your records)              Credit Line, with or without a request by You. We may, at  to the balance of credit purchases. If a payment is ever 
                                        any time and for any reason not prohibited by law, reduce  late 10 days or more, You agree to pay Us a late charge 
                                        Your Credit Line, refuse to make an advance or revoke  of $20.00. If You make a payment by check or other item 
   In this Agreement the words �You� and �Your� mean  Your Card and terminate this Agreement. We may always  which for any reason is dishonored You agree to pay a fee 
   each and all of those who apply for the Card, who use  reduce Your Credit Line, refuse to make an advance or  of $20.00 for each item returned. Proper payment is made 
   the Card or the Account, who sign a Card or who sign  revoke Your Card and terminate this Agreement if: You  only when the payment is made to the address shown for 
   this Agreement, jointly and severally. �Card� means  have failed to comply with this Agreement; You have made  payments on Your statement; paid with a check drawn in 
   the Alabama Credit Union MASTERCARD credit card  false or misleading statements in any document with Us;  U.S. dollars on a U.S. ?nancial institution; or a U.S. dollar 
   and any duplicates and renewals We issue. All primary  We reevaluate Your creditworthiness and determine that  money order; and sent in the return envelope with only 
   cardholders must be members of Alabama Credit Union.  You are no longer as quali?ed; or We have reason to  the proper return portion of the statement; with proper 
   Any joint cardholder or authorized user who is not a  believe Our ability to collect has been degraded. You may  postage. Any other payment method may result in a delay 
   member of Alabama Credit Union must provide full  also terminate this Agreement at any time, but termination  in Our posting of Your payment. This delay maybe 5 days 
   identi?cation  including  Social  Security  Number,  Date  by either You or Us does not affect Your obligation to pay  or longer. We can accept late payments, partial payments, 
   of Birth, and valid driver�s license, passport, or other  the Account Balance, plus Interest Charges and other  or payments with any restrictive writing without losing any 
   approved  identi?cation  before  being  issued  a  card. 
   �Account� means Your MASTERCARD �    charges. You are also responsible for all charges made  of Our rights under this Agreement. This means that no 
                            Credit Card 
              �                         after the termination of Your account unless, they are  payment, including those marked with �paid in full� or with 
   or MASTERCARD  Card Line of Credit Account with  unauthorized charges as described in this Agreement.  any other restrictive words, shall operate as an accord 
   Us. �We�, �Us� and �Our� mean Alabama Credit Union.  The Cards remain Our property, and You must recover  and satisfaction without the prior written approval of one 
   �Use of the Card� or �Use the Card� shall include but,  and surrender to Us all Cards upon Our request and  of Our senior of?cers. You may not use a postdated check 
   not be limited to any use of the actual Card, the number  upon termination of this Agreement. We have the right  to make a payment. If You do postdate a payment check, 
   presented on the Card, or any other mechanism used  to demand payment immediately upon termination of  We may elect to honor it upon presentment or return 
   to purchase something or some service, make a cash  the entire Balance owed if the account is terminated. it uncredited to the person that presented it, without in 
   advance, make a balance transfer, or otherwise cause   We may change Your Credit Line from time to  either case waiting for the date shown on the check. We 
   a charge on the Account. Interest rates on the cards  time. If You attempt a transaction which results in  are not liable to You for any loss or expense incurred 
   are 8.9%, 10.9% or 12.9%.  The rate is determined by  Your total outstanding balance (plus authorizations)  by You arising out of the action We elect to take. You 
   qualifying credit factors, including your credit score. exceeding Your Credit Line, We may: 1) permit the  authorize Us to convert your check into a Substitute 
                                        transaction without raising Your Credit Line; 2) permit  Check under the law commonly referred to as Check 21. 
   1. Responsibility. If We issue You a Card, You agree 
                                        the transaction and treat the amount of the transaction  This is converting a check into a copy or electronic format 
   to repay all charges, cash advances, Interest Charge, 
                                        that is more than the Credit Line as immediately  for processing through the check processing system.
   and other fees and charges arising from the use of the 
                                        due; or 3) refuse to permit the transaction. ANY FEE 
   Card and the Account by You or anyone that You allow 
                                        WILL  REDUCE  YOUR  AVAILABLE  CREDIT  LINE. 6. Interest  Charges. Credit Purchases, Method �G�: 
   to use the Card. You also agree to be responsible for                     Average Daily Balance (including New Purchases). An 
   charges made by anyone else to whom You give the  4. Credit  Information. You authorize Us to investigate  Interest Charge will be imposed on Credit Purchases 
   Card or the number on the Card, and this responsibility  Your credit standing when opening, renewing or  only if you elect not to pay the entire New Balance of 
   continues until the Card and its number is recovered.  reviewing Your Account, and You authorize Us to disclose  purchases shown on your monthly statement for the 
   You cannot disclaim responsibility by notifying Us, but  information regarding Your Account to credit bureaus  previous billing cycle within 25 days from the closing date 
   We will close the Account for new transactions if You  and other creditors who inquire of Us about Your credit  of that statement. If you elect not to pay the entire New 
   so request and if You return all Cards. Your obligation  standing. You authorize Us to get a consumer report  Balance of purchases shown on your previous monthly 
   to pay the Account balance continues even though an  about You now and from time to time in the future; if  statement within that 25-day period, an Interest Charge 
   agreement, divorce decree or other court judgment  You ask You will be told if a consumer report has been  will be imposed on the unpaid average daily balance 
   to which We are not a party may direct You or one of  obtained and the name and address of the agency that  of such Credit Purchases from the previous statement 
   the other persons responsible to pay the Account. Any  supplied the report; We may check Your employment  closing date and on new Credit Purchases from the date 
   person using the Card is jointly and severally responsible  history and obtain any other information about You; and  of posting to your account during the current billing cycle, 
   with You for charges he or she makes, but if that person  We may attempt to verify all information provided on the  and will continue to accrue until the closing date of the 
   signs the Card, he or she becomes a party to this  application. You acknowledge that You are at least 19 years  billing cycle preceding the date on which the entire New 
   Agreement and is also jointly  and generally  responsible  of age, that You do not already have a MASTERCARD �   Balance of purchases is paid in full or until the date of 
   for all charges on the Account, including Yours. credit card issued by Alabama Credit Union and have not  payment if more than 25 days from the closing date. For 
                                        applied for such an account within the past six months. Credit Purchases, the Interest Charge for a billing cycle 
   2. Liability for Unauthorized Use and Lost Card 
                                                                             is computed by applying the Monthly Periodic Rate to 
   Noti?cation. If You believe Your Card has been lost or  5. Payments. Each month You must pay at least the  the average daily balance of Credit Purchases, which 
   stolen or there has been an unauthorized use of Your  Minimum Payment shown on Your statement by the date  is determined by dividing the sum of the daily balances 
   card, You should write to Us immediately at: 220 Paul  speci?ed on the statement or no later than 25 days from  during the billing cycle by the number of days in the cycle. 
   W. Bryant Drive East, P.O. Box 862998 Tuscaloosa, AL  the statement closing date, whichever is later. If Your  Each daily balance of Credit Purchases is determined 
   35486, or call Us at: 888.817.2002 or 800.991.9461.  statement says the payment is �Now Due,� Your payment  by adding to the outstanding unpaid balance of Credit 
   You will not be liable for any unauthorized use of Your  is due no later than 25 days from the statement closing  Purchases at  the beginning of the billing cycle any  new 
   card after You notify Us. You may, however, be liable  date. You may pay more frequently, pay more than the  Credit Purchases posted to your account, and subtracting 
   for unauthorized use that occurs before Your notice  Minimum Payment or pay the Total New Balance in full. If  any payments as received and credits as posted to your 
   to Us. In any case, if Your Account is one de?ned as a  You make extra or larger payments, You are still required  account, but excluding any unpaid Interest Charges.
   Consumer Account subject to Regulation Z, Your liability  to make at least the Minimum Payment each month Your  Cash Advances, Method �A�: Average daily balance. 
   will notexceed$50.00. Such liability limits do not apply  Account has a balance (other than a credit balance). The  The Interest Charge on cash advances begins to 
   when the Card is used to make an electronic fund transfer  Minimum Payment is 2.5% of Your Total New Balance or  accrue on the date you obtain the cash advance or 
   or if the Account is  not  governed  by  Regulation Z. $25.00, whichever is greater, not to exceed Your Total  the ?rst day of the billing cycle in which it is posted to 
                                        New Balance, plus the amount of any prior Minimum 
   3. Credit Line. If We approve Your application, We will                   your account, whichever is later. For Cash Advances, 
                                        Payments that You have not made, and any amount You 
   establish a self-replenishing Credit Line (Credit Line shall              the Interest Charge for a billing cycle is computed by 
                                        are over Your Credit Line or Credit Limit. The Credit Union 
   be synonymous with the term Credit Limit) for You and                     applying the Monthly Periodic Rate to the average daily 
                                        also has the right to demand immediate payment of any 
   notify You of its amount when We issue the Card. You                      balance, which is determined by dividing the sum of the 
                                        amount by which You are over Your Credit Line or Credit 
   agree not to let the Account balance exceed this approved                 daily balances during the billing cycle by the number of 
                                        Limit. Subject to applicable law, Your payments may be 
   Credit Line. Each payment You make on the Account will 
                                        applied to what You owe the Credit Union in any manner 
   restore Your Credit Line by the amount of the payment 
                                        the Credit Union chooses, currently, We apply payments       >> continued
   which is applied to principal. You may request an increase 
                                        ?rst to Interest Charges, then to fees, then to Minimum 
   in Your Credit Line only by written application to Us, which 
                    IMPORTANT: Read these directions before completing this application.
                                                                                        Section D: 
   ?   If you are applying for an individual account in your own name and are relying on your own income or assets and not the income or assets of another   
       person as the basis for repayment of the credit requested, complete only Section A and D.
   ? If you are applying for a joint account or an account that you and another person will use, complete all Sections, providing information in B about the Sign Here
       joint applicant .
                                                                              You must sign in BOTH PLACES before we can process  
   ? If you are applying for an individual account, but are relying on income from alimony, child support, or separate maintenance or on the income or  
        assets of another person as the basis for repayment of the credit requested, complete all Sections to the extent possible, providing information in B     your application.
        about the person on whose alimony, support, or maintenance payments or income or assets you are relying. 
                      ?  Joint Account ?   Individual Account   ?   Updated application for an existing  To secure your Account, you grant us a purchase money security 
   Section A: Applicant
                      ?   Individual  with Authorized User account            interest under the Uniform Commercial Code in any goods you 
                                                                              purchase through use of the Card. If you default, we will have the 
   Credit Limit Requested*: $                                                  Credit Union Account Number:                                                  right to recover any of these goods, which have not been paid for 
                                                                              through our application of your payments. You pledge all shares and 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth /or deposits (including amounts in draft accounts) and payments and 
                                                                              earnings thereon which you now or hereafter may have with us, whether 
   Address                                 Years at Address
                                                                              held jointly, individually, or in trust, as security for any and all monies 
                                                                              advanced or purchases made by the use of the Card and interest 
   City           State     ZIP Code       Cell Phone     Home Phone
                                                                              accrued thereon. Your authorize us to take what you owe us out of any 
   Previous Street Address           Number of Dependents  E-mail Address     account (except Individual Retirement Accounts) you have with us. Your 
                                                                              signature below this section indicates your agreement to this security 
   City           State     ZIP Code                      Mother�s Maiden Name       interest and the terms of the section.
                                                                              X
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer Signature of Applicant   Date
                                                                              X
   Business Phone  Business Address                                           Signature of Co-Applicant (if applicable)   Date
   $              $
   Gross Monthly Income**  Net Monthly Income**  Other Income**(Include Source of Other Income)
                            Monthly Housing Payment  Name of Mortgage Company or Landlord
   Check One:  ? Own Home     ? Rent
                                                                              You  authorize  us  to  make  whatever  credit  inquiries  that  we  deem 
   *If you do not qualify for the full amount requested, we may approve the quali?ed amount. necessary in connection with this credit card application or in the 
   **Alimony, child support, or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.
                                                                              course of review or collection of any credit extended in reliance on 
                           Note To Married Applicants: You have the right to apply for a separate account, in your own name.   this application. You authorize and instruct any person or consumer 
    Section B: Co-Applicant  Income from alimony, child or spousal support need not be disclosed unless you wish it considered as income. reporting agency to compile and furnish to us any information that it may 
                                                                              have or obtain in response to such credit inquiries and agree that such 
   Completion Of This Section Required If (1) You are a resident of a community property state (AZ, CA, ID, LA, NM, NV, TX, WA)
                                                                              information, along with this application, shall remain our property whether 
                                                                              or not credit is granted. You agree to be bound by the MasterCard �  Credit 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth
                                                                              Card Agreement governing you Account(s). By signing below, you certify 
   Address        City      State          ZIP Code       Years at Address    that the information provided herein by you is complete and true, and is 
                                                                                   furnished for the purpose of obtaining credit.
   Relationship to Applicant/Address if Different from Applicant  Home Phone  Cell Phone  E-mail Address
                                                                              CAUTION � IT IS IMPORTANT THAT YOU THOROUGHLY 
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer  Business Phone
                                                                                 READ THE CONTRACT BEFORE YOU SIGN IT.
   $              $
   Gross Monthly Income***  Net Monthly Income***  Monthly Housing Payment  Name of Mortgage Company or Landlord
                                                                              X
   Check One:  ? Own Home     ? Rent                                          Signature of Applicant   Date
                                                                              X
                                                                              Signature of Co-Applicant (if applicable)   Date
   Section C: Balance Transfer Request
   Why pay higher interest rates or fees on your other credit cards? Transfer your balances to your new Alabama CU MasterCard �  Credit Card! 
   Simply complete this form to start saving with this low ?xed rate. We�ll take care of the rest. Maximum total Balance Transfer Request amount is  FOR CREDIT UNION USE ONLY
   $25,000 and will be based on your approved credit limit. Minimum amount is $50. Please use black or blue ink.
   1.                                                 $                       Card: ? Level 1       ? Level 2       ? Level 3
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                              Notes:                                                                                                           
    Payment Address          City           State          ZIP Code                                                                                                                         
   2.                                                 $                                                                                                                                    
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                                                                                                                                           
    Payment Address          City           State          ZIP Code                                                                                                                        
   3.                                                 $
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                              Date:                             CDR:                        
    Payment Address          City           State          ZIP Code                      ADR:                        
   Help us process your balance transfers faster by following these guidelines: (1) List the most important transfers ?rst. (2) For Card/Loan Issuer, list the ?nancial 
   institution (not yourself, MasterCard, or VISA � ). (3) Continue to make your payments to these accounts until you hear from us.
  MasterCardBrochureApp-Final.indd   1                                                                 9/11/14   11:18 AM   With Alabama Credit Union, you�ll earn                                    Interest Rates and Interest Charges 
                                                                                    Based on your creditworthiness
   ScoreCard Rewards
                                                                             Annual Percentage 
                                  �                                          Rate (APR) for 
   with your MasterCard              Credit Card                                        12.9%  10.9%   8.9%
                                                                             Purchase
                                                                             APR for Balance 
                                                                             Transfers  12.9%  10.9%   8.9%
                                                                             APR for Cash 
    We want you to feel good about your money. So we                         Transfers  12.9%  10.9%   8.9%
    make it easier to manage your everyday purchases                         Penalty APR and 
                                                                                          None   None   None
                     � 
    with our MasterCard Credit Card. Plus, with rates                        When It Applies
                                                                                        Your due date is at least 25 days after 
    as low as 8.9% APR* and ScoreCard Reward points 
                                                                             How to Avoid  the close of each billing cycle. We will 
     earned for every dollar spent on retail purchases,                      Paying Interest on  not charge you interest on purchases if 
                                                                             Purchases  you pay your entire balance by the due 
                  saving money never felt so good. 
                                                                                              date each month. 
                                                                             Minimum Interest 
                                                                                          None   None   None
                                                                             Charge
                                                                                        To learn more about factors to consider 
                                                                             For Credit Card 
                                                                                        when applying for or using a credit 
                                                                             Tips from the 
                                                                                        card, visit the website of the Consumer 
                                                                             Federal Reserve 
                                                                                        Financial  Protection  Bureau  at  www.
                                                                             Board 
                                                                                          consumer?nance.gov/learnmore
    WhAT DO YOU GET with ALABAMA CREDIT UNION�S 
                                                                             Fees
                � 
    MasterCard    Credit Card? 
                                                                             Annual Fee   None   None   None
    -  No annual fee
    -  25-day grace period for new purchases
                                                                             Transaction Fees None  None None
    -  Price Protection program
                                                                             Penalty Fees: 
    -  Identity Theft Resolution Services                                                 $20    $20    $20
                                                                             (NSF)
    -  Extended Warranty
                                                                             (Late Payment Fee) $20 $20 $20
    -  Zero Liability Protection
    -  Auto Rental Insurance                                                 Other Fees  
                                                                                          None   None   None
                                                                             (Over-Limit Fee)
                         TM
    -  MasterCard Global Service
   Choose the level that matches your needs, and enjoy low rates,            How We Will Calculate Your Balance: We use a method called 
    -  High credit limit, subject to approval
                                                                             �Average daily balance (including new purchases)�
   convenience and special bene?ts with Alabama Credit Union!
    -  Balance transfer option - save money right away when you    
      transfer your credit card debts to your new Alabama Credit                    The information about the costs of the cards 
                                                                                    described in this application is accurate as of 
        Union Credit Card                                                           August, 2014. This information may have changed 
                                                                                    after that date. To ?nd out what may have changed, 
                                                                                    call 888.817.2002. Alabama Credit Union is an 
                                                                                    Equal Opportunity Lender. Membership eligibility 
                                                                                    required. Your savings federally insured to at 
                                                                                    least $250,000 and backed by the full faith 
   Feel good about your money. 
                                                                                    and credit of the United States Government..
                                        must be approved by Our credit committee or loan of?cer.  Payment for cash advances, then to Minimum Payment 
   MASTERCARD �  CREDIT CARD AGREEMENT  We may from time to time, increase the amount of your  for purchases, then to the balance of cash advances, then 
   (Keep for your records)              Credit Line, with or without a request by You. We may, at  to the balance of credit purchases. If a payment is ever 
                                        any time and for any reason not prohibited by law, reduce  late 10 days or more, You agree to pay Us a late charge 
                                        Your Credit Line, refuse to make an advance or revoke  of $20.00. If You make a payment by check or other item 
   In this Agreement the words �You� and �Your� mean  Your Card and terminate this Agreement. We may always  which for any reason is dishonored You agree to pay a fee 
   each and all of those who apply for the Card, who use  reduce Your Credit Line, refuse to make an advance or  of $20.00 for each item returned. Proper payment is made 
   the Card or the Account, who sign a Card or who sign  revoke Your Card and terminate this Agreement if: You  only when the payment is made to the address shown for 
   this Agreement, jointly and severally. �Card� means  have failed to comply with this Agreement; You have made  payments on Your statement; paid with a check drawn in 
   the Alabama Credit Union MASTERCARD credit card  false or misleading statements in any document with Us;  U.S. dollars on a U.S. ?nancial institution; or a U.S. dollar 
   and any duplicates and renewals We issue. All primary  We reevaluate Your creditworthiness and determine that  money order; and sent in the return envelope with only 
   cardholders must be members of Alabama Credit Union.  You are no longer as quali?ed; or We have reason to  the proper return portion of the statement; with proper 
   Any joint cardholder or authorized user who is not a  believe Our ability to collect has been degraded. You may  postage. Any other payment method may result in a delay 
   member of Alabama Credit Union must provide full  also terminate this Agreement at any time, but termination  in Our posting of Your payment. This delay maybe 5 days 
   identi?cation  including  Social  Security  Number,  Date  by either You or Us does not affect Your obligation to pay  or longer. We can accept late payments, partial payments, 
   of Birth, and valid driver�s license, passport, or other  the Account Balance, plus Interest Charges and other  or payments with any restrictive writing without losing any 
   approved  identi?cation  before  being  issued  a  card. 
                           �            charges. You are also responsible for all charges made  of Our rights under this Agreement. This means that no 
   �Account� means Your MASTERCARD  Credit Card 
              �                         after the termination of Your account unless, they are  payment, including those marked with �paid in full� or with 
   or MASTERCARD  Card Line of Credit Account with  unauthorized charges as described in this Agreement.  any other restrictive words, shall operate as an accord 
   Us. �We�, �Us� and �Our� mean Alabama Credit Union.  The Cards remain Our property, and You must recover  and satisfaction without the prior written approval of one 
   �Use of the Card� or �Use the Card� shall include but,  and surrender to Us all Cards upon Our request and  of Our senior of?cers. You may not use a postdated check 
   not be limited to any use of the actual Card, the number  upon termination of this Agreement. We have the right  to make a payment. If You do postdate a payment check, 
   presented on the Card, or any other mechanism used  to demand payment immediately upon termination of  We may elect to honor it upon presentment or return 
   to purchase something or some service, make a cash  the entire Balance owed if the account is terminated. it uncredited to the person that presented it, without in 
   advance, make a balance transfer, or otherwise cause   We may change Your Credit Line from time to  either case waiting for the date shown on the check. We 
   a charge on the Account. Interest rates on the cards  time. If You attempt a transaction which results in  are not liable to You for any loss or expense incurred 
   are 8.9%, 10.9% or 12.9%.  The rate is determined by  Your total outstanding balance (plus authorizations)  by You arising out of the action We elect to take. You 
   qualifying credit factors, including your credit score. exceeding Your Credit Line, We may: 1) permit the  authorize Us to convert your check into a Substitute 
                                        transaction without raising Your Credit Line; 2) permit  Check under the law commonly referred to as Check 21. 
   1. Responsibility. If We issue You a Card, You agree 
                                        the transaction and treat the amount of the transaction  This is converting a check into a copy or electronic format 
   to repay all charges, cash advances, Interest Charge, 
                                        that is more than the Credit Line as immediately  for processing through the check processing system.
   and other fees and charges arising from the use of the 
                                        due; or 3) refuse to permit the transaction. ANY FEE 
   Card and the Account by You or anyone that You allow 
                                        WILL  REDUCE  YOUR  AVAILABLE  CREDIT  LINE. 6. Interest  Charges. Credit Purchases, Method �G�: 
   to use the Card. You also agree to be responsible for                     Average Daily Balance (including New Purchases). An 
   charges made by anyone else to whom You give the  4. Credit  Information. You authorize Us to investigate  Interest Charge will be imposed on Credit Purchases 
   Card or the number on the Card, and this responsibility  Your credit standing when opening, renewing or  only if you elect not to pay the entire New Balance of 
   continues until the Card and its number is recovered.  reviewing Your Account, and You authorize Us to disclose  purchases shown on your monthly statement for the 
   You cannot disclaim responsibility by notifying Us, but  information regarding Your Account to credit bureaus  previous billing cycle within 25 days from the closing date 
   We will close the Account for new transactions if You  and other creditors who inquire of Us about Your credit  of that statement. If you elect not to pay the entire New 
   so request and if You return all Cards. Your obligation  standing. You authorize Us to get a consumer report  Balance of purchases shown on your previous monthly 
   to pay the Account balance continues even though an  about You now and from time to time in the future; if  statement within that 25-day period, an Interest Charge 
   agreement, divorce decree or other court judgment  You ask You will be told if a consumer report has been  will be imposed on the unpaid average daily balance 
   to which We are not a party may direct You or one of  obtained and the name and address of the agency that  of such Credit Purchases from the previous statement 
   the other persons responsible to pay the Account. Any  supplied the report; We may check Your employment  closing date and on new Credit Purchases from the date 
   person using the Card is jointly and severally responsible  history and obtain any other information about You; and  of posting to your account during the current billing cycle, 
   with You for charges he or she makes, but if that person  We may attempt to verify all information provided on the  and will continue to accrue until the closing date of the 
   signs the Card, he or she becomes a party to this  application. You acknowledge that You are at least 19 years  billing cycle preceding the date on which the entire New 
   Agreement and is also jointly  and generally  responsible  of age, that You do not already have a MASTERCARD �   Balance of purchases is paid in full or until the date of 
   for all charges on the Account, including Yours. credit card issued by Alabama Credit Union and have not  payment if more than 25 days from the closing date. For 
                                        applied for such an account within the past six months. Credit Purchases, the Interest Charge for a billing cycle 
   2. Liability for Unauthorized Use and Lost Card 
                                                                             is computed by applying the Monthly Periodic Rate to 
   Noti?cation. If You believe Your Card has been lost or  5. Payments. Each month You must pay at least the  the average daily balance of Credit Purchases, which 
   stolen or there has been an unauthorized use of Your  Minimum Payment shown on Your statement by the date  is determined by dividing the sum of the daily balances 
   card, You should write to Us immediately at: 220 Paul  speci?ed on the statement or no later than 25 days from  during the billing cycle by the number of days in the cycle. 
   W. Bryant Drive East, P.O. Box 862998 Tuscaloosa, AL  the statement closing date, whichever is later. If Your  Each daily balance of Credit Purchases is determined 
   35486, or call Us at: 888.817.2002 or 800.991.9461.  statement says the payment is �Now Due,� Your payment  by adding to the outstanding unpaid balance of Credit 
   You will not be liable for any unauthorized use of Your  is due no later than 25 days from the statement closing  Purchases at  the beginning of the billing cycle any  new 
   card after You notify Us. You may, however, be liable  date. You may pay more frequently, pay more than the  Credit Purchases posted to your account, and subtracting 
   for unauthorized use that occurs before Your notice  Minimum Payment or pay the Total New Balance in full. If  any payments as received and credits as posted to your 
   to Us. In any case, if Your Account is one de?ned as a  You make extra or larger payments, You are still required  account, but excluding any unpaid Interest Charges.
   Consumer Account subject to Regulation Z, Your liability  to make at least the Minimum Payment each month Your  Cash Advances, Method �A�: Average daily balance. 
   will notexceed$50.00. Such liability limits do not apply  Account has a balance (other than a credit balance). The  The Interest Charge on cash advances begins to 
   when the Card is used to make an electronic fund transfer  Minimum Payment is 2.5% of Your Total New Balance or  accrue on the date you obtain the cash advance or 
   or if the Account is  not  governed  by  Regulation Z. $25.00, whichever is greater, not to exceed Your Total  the ?rst day of the billing cycle in which it is posted to 
                                        New Balance, plus the amount of any prior Minimum 
   3. Credit Line. If We approve Your application, We will                   your account, whichever is later. For Cash Advances, 
                                        Payments that You have not made, and any amount You 
   establish a self-replenishing Credit Line (Credit Line shall              the Interest Charge for a billing cycle is computed by 
                                        are over Your Credit Line or Credit Limit. The Credit Union 
   be synonymous with the term Credit Limit) for You and                     applying the Monthly Periodic Rate to the average daily 
                                        also has the right to demand immediate payment of any 
   notify You of its amount when We issue the Card. You                      balance, which is determined by dividing the sum of the 
                                        amount by which You are over Your Credit Line or Credit 
   agree not to let the Account balance exceed this approved                 daily balances during the billing cycle by the number of 
                                        Limit. Subject to applicable law, Your payments may be 
   Credit Line. Each payment You make on the Account will 
                                        applied to what You owe the Credit Union in any manner 
   restore Your Credit Line by the amount of the payment 
                                        the Credit Union chooses, currently, We apply payments       >> continued
   which is applied to principal. You may request an increase 
                                        ?rst to Interest Charges, then to fees, then to Minimum 
   in Your Credit Line only by written application to Us, which 
                    IMPORTANT: Read these directions before completing this application.
                                                                                        Section D: 
   ?   If you are applying for an individual account in your own name and are relying on your own income or assets and not the income or assets of another   
       person as the basis for repayment of the credit requested, complete only Section A and D.
   ? If you are applying for a joint account or an account that you and another person will use, complete all Sections, providing information in B about the Sign Here
       joint applicant .   Off           Off              Off
                                                                              You must sign in BOTH PLACES before we can process  
   ? If you are applying for an individual account, but are relying on income from alimony, child support, or separate maintenance or on the income or   Off
        assets of another person as the basis for repayment of the credit requested, complete all Sections to the extent possible, providing information in B     your application.
        about the person on whose alimony, support, or maintenance payments or income or assets you are relying. 
                      ?  Joint Account ?   Individual Account   ?   Updated application for an existing  To secure your Account, you grant us a purchase money security 
   Section A: Applicant
                      ?   Individual  with Authorized User account            interest under the Uniform Commercial Code in any goods you 
                                                                              purchase through use of the Card. If you default, we will have the 
   Credit Limit Requested*: $                                                  Credit Union Account Number:                                                  right to recover any of these goods, which have not been paid for 
                                                                              through our application of your payments. You pledge all shares and 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth /or deposits (including amounts in draft accounts) and payments and 
                                                                              earnings thereon which you now or hereafter may have with us, whether 
   Address                                 Years at Address
                                                                              held jointly, individually, or in trust, as security for any and all monies 
                                                                              advanced or purchases made by the use of the Card and interest 
   City           State     ZIP Code       Cell Phone     Home Phone
                                                                              accrued thereon. Your authorize us to take what you owe us out of any 
   Previous Street Address           Number of Dependents  E-mail Address     account (except Individual Retirement Accounts) you have with us. Your 
                                                                              signature below this section indicates your agreement to this security 
   City           State     ZIP Code                      Mother�s Maiden Name       interest and the terms of the section.
                                                                              X
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer Signature of Applicant   Date
                                                                              X
   Business Phone  Off Business Address Off                                   Signature of Co-Applicant (if applicable)   Date
   $              $
   Gross Monthly Income**  Net Monthly Income**  Other Income**(Include Source of Other Income)
                            Monthly Housing Payment  Name of Mortgage Company or Landlord
   Check One:  ? Own Home     ? Rent
                                                                              You  authorize  us  to  make  whatever  credit  inquiries  that  we  deem 
   *If you do not qualify for the full amount requested, we may approve the quali?ed amount. necessary in connection with this credit card application or in the 
   **Alimony, child support, or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.
                                                                              course of review or collection of any credit extended in reliance on 
                           Note To Married Applicants: You have the right to apply for a separate account, in your own name.   this application. You authorize and instruct any person or consumer 
    Section B: Co-Applicant  Income from alimony, child or spousal support need not be disclosed unless you wish it considered as income. reporting agency to compile and furnish to us any information that it may 
                                                                              have or obtain in response to such credit inquiries and agree that such 
   Completion Of This Section Required If (1) You are a resident of a community property state (AZ, CA, ID, LA, NM, NV, TX, WA)
                                                                              information, along with this application, shall remain our property whether 
                                                                              or not credit is granted. You agree to be bound by the MasterCard �  Credit 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth
                                                                              Card Agreement governing you Account(s). By signing below, you certify 
   Address        City      State          ZIP Code       Years at Address    that the information provided herein by you is complete and true, and is 
                                                                                   furnished for the purpose of obtaining credit.
   Relationship to Applicant/Address if Different from Applicant  Home Phone  Cell Phone  E-mail Address
              Off      Off
                                                                              CAUTION � IT IS IMPORTANT THAT YOU THOROUGHLY 
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer  Business Phone
                                                                                 READ THE CONTRACT BEFORE YOU SIGN IT.
   $              $
   Gross Monthly Income***  Net Monthly Income***  Monthly Housing Payment  Name of Mortgage Company or Landlord
                                                                              X
   Check One:  ? Own Home     ? Rent                                          Signature of Applicant   Date
                                                                              X
                                                                              Signature of Co-Applicant (if applicable)   Date
   Section C: Balance Transfer Request
   Why pay higher interest rates or fees on your other credit cards? Transfer your balances to your new Alabama CU MasterCard �  Credit Card! 
   Simply complete this form to start saving with this low ?xed rate. We�ll take care of the rest. Maximum total Balance Transfer Request amount is  FOR CREDIT UNION USE ONLY
   $25,000 and will be based on your approved credit limit. Minimum amount is $50. Please use black or blue ink.
   1.                                                 $                       Card: ? Level 1       ? Level 2       ? Level 3
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                              Notes:                                                                                                           
    Payment Address          City           State          ZIP Code                                                                                                                         
   2.                                                 $                                                                                                                                    
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                                                                                                                                           
    Payment Address          City           State          ZIP Code                                                                                                                        
   3.                                                 $
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                              Date:                             CDR:                        
    Payment Address          City           State          ZIP Code                      ADR:                        
   Help us process your balance transfers faster by following these guidelines: (1) List the most important transfers ?rst. (2) For Card/Loan Issuer, list the ?nancial 
   institution (not yourself, MasterCard, or VISA � ). (3) Continue to make your payments to these accounts until you hear from us.
  MasterCardBrochureApp-Final.indd   1                                                                 9/11/14   11:18 AM   With Alabama Credit Union, you�ll earn                                    Interest Rates and Interest Charges 
                                                                                   Based on your creditworthiness
   ScoreCard Rewards
                                                                             Annual Percentage 
                                  �                                          Rate (APR) for 
   with your MasterCard             Credit Card                                         12.9%  10.9%  8.9%
                                                                             Purchase
                                                                             APR for Balance 
                                                                             Transfers  12.9%  10.9%  8.9%
                                                                             APR for Cash 
   We want you to feel good about your money. So we                          Transfers  12.9%  10.9%  8.9%
    make it easier to manage your everyday purchases                         Penalty APR and 
                                                                                         None   None   None
                    � 
    with our MasterCard Credit Card. Plus, with rates                        When It Applies
                                                                                        Your due date is at least 25 days after 
    as low as 8.9% APR* and ScoreCard Reward points 
                                                                             How to Avoid  the close of each billing cycle. We will 
     earned for every dollar spent on retail purchases,                      Paying Interest on  not charge you interest on purchases if 
                                                                             Purchases  you pay your entire balance by the due 
                  saving money never felt so good. 
                                                                                             date each month. 
                                                                             Minimum Interest 
                                                                                         None   None   None
                                                                             Charge
                                                                                        To learn more about factors to consider 
                                                                             For Credit Card 
                                                                                        when applying for or using a credit 
                                                                             Tips from the 
                                                                                        card, visit the website of the Consumer 
                                                                             Federal Reserve 
                                                                                        Financial  Protection  Bureau  at  www.
                                                                             Board 
                                                                                         consumer?nance.gov/learnmore
   WhAT DO YOU GET with ALABAMA CREDIT UNION�S 
                                                                             Fees
                � 
   MasterCard    Credit Card? 
                                                                             Annual Fee  None   None   None
   -  No annual fee
   -  25-day grace period for new purchases
                                                                             Transaction Fees None  None None
   -  Price Protection program
                                                                             Penalty Fees: 
   -  Identity Theft Resolution Services                                                  $20    $20    $20
                                                                             (NSF)
   -  Extended Warranty
                                                                             (Late Payment Fee) $20 $20 $20
   -  Zero Liability Protection
   -  Auto Rental Insurance                                                  Other Fees  
                                                                                         None   None   None
                                                                             (Over-Limit Fee)
                         TM
   -  MasterCard Global Service
   Choose the level that matches your needs, and enjoy low rates,           How We Will Calculate Your Balance: We use a method called 
   -  High credit limit, subject to approval
                                                                            �Average daily balance (including new purchases)�
   convenience and special bene?ts with Alabama Credit Union!
   -  Balance transfer option - save money right away when you    
     transfer your credit card debts to your new Alabama Credit                     The information about the costs of the cards 
                                                                                    described in this application is accurate as of 
       Union Credit Card                                                            August, 2014. This information may have changed 
                                                                                    after that date. To ?nd out what may have changed, 
                                                                                    call 888.817.2002. Alabama Credit Union is an 
                                                                                    Equal Opportunity Lender. Membership eligibility 
                                                                                    required. Your savings federally insured to at 
                                                                                    least $250,000 and backed by the full faith 
   Feel good about your money. 
                                                                                    and credit of the United States Government..
                                        must be approved by Our credit committee or loan of?cer.  Payment for cash advances, then to Minimum Payment 
   MASTERCARD �  CREDIT CARD AGREEMENT  We may from time to time, increase the amount of your  for purchases, then to the balance of cash advances, then 
   (Keep for your records)              Credit Line, with or without a request by You. We may, at  to the balance of credit purchases. If a payment is ever 
                                        any time and for any reason not prohibited by law, reduce  late 10 days or more, You agree to pay Us a late charge 
                                        Your Credit Line, refuse to make an advance or revoke  of $20.00. If You make a payment by check or other item 
   In this Agreement the words �You� and �Your� mean  Your Card and terminate this Agreement. We may always  which for any reason is dishonored You agree to pay a fee 
   each and all of those who apply for the Card, who use  reduce Your Credit Line, refuse to make an advance or  of $20.00 for each item returned. Proper payment is made 
   the Card or the Account, who sign a Card or who sign  revoke Your Card and terminate this Agreement if: You  only when the payment is made to the address shown for 
   this Agreement, jointly and severally. �Card� means  have failed to comply with this Agreement; You have made  payments on Your statement; paid with a check drawn in 
   the Alabama Credit Union MASTERCARD credit card  false or misleading statements in any document with Us;  U.S. dollars on a U.S. ?nancial institution; or a U.S. dollar 
   and any duplicates and renewals We issue. All primary  We reevaluate Your creditworthiness and determine that  money order; and sent in the return envelope with only 
   cardholders must be members of Alabama Credit Union.  You are no longer as quali?ed; or We have reason to  the proper return portion of the statement; with proper 
   Any joint cardholder or authorized user who is not a  believe Our ability to collect has been degraded. You may  postage. Any other payment method may result in a delay 
   member of Alabama Credit Union must provide full  also terminate this Agreement at any time, but termination  in Our posting of Your payment. This delay maybe 5 days 
   identi?cation  including  Social  Security  Number,  Date  by either You or Us does not affect Your obligation to pay  or longer. We can accept late payments, partial payments, 
   of Birth, and valid driver�s license, passport, or other  the Account Balance, plus Interest Charges and other  or payments with any restrictive writing without losing any 
   approved  identi?cation  before  being  issued  a  card. 
   �Account� means Your MASTERCARD �    charges. You are also responsible for all charges made  of Our rights under this Agreement. This means that no 
                            Credit Card 
              �                         after the termination of Your account unless, they are  payment, including those marked with �paid in full� or with 
   or MASTERCARD  Card Line of Credit Account with  unauthorized charges as described in this Agreement.  any other restrictive words, shall operate as an accord 
   Us. �We�, �Us� and �Our� mean Alabama Credit Union.  The Cards remain Our property, and You must recover  and satisfaction without the prior written approval of one 
   �Use of the Card� or �Use the Card� shall include but,  and surrender to Us all Cards upon Our request and  of Our senior of?cers. You may not use a postdated check 
   not be limited to any use of the actual Card, the number  upon termination of this Agreement. We have the right  to make a payment. If You do postdate a payment check, 
   presented on the Card, or any other mechanism used  to demand payment immediately upon termination of  We may elect to honor it upon presentment or return 
   to purchase something or some service, make a cash  the entire Balance owed if the account is terminated. it uncredited to the person that presented it, without in 
   advance, make a balance transfer, or otherwise cause   We may change Your Credit Line from time to  either case waiting for the date shown on the check. We 
   a charge on the Account. Interest rates on the cards  time. If You attempt a transaction which results in  are not liable to You for any loss or expense incurred 
   are 8.9%, 10.9% or 12.9%.  The rate is determined by  Your total outstanding balance (plus authorizations)  by You arising out of the action We elect to take. You 
   qualifying credit factors, including your credit score. exceeding Your Credit Line, We may: 1) permit the  authorize Us to convert your check into a Substitute 
                                        transaction without raising Your Credit Line; 2) permit  Check under the law commonly referred to as Check 21. 
   1. Responsibility. If We issue You a Card, You agree 
                                        the transaction and treat the amount of the transaction  This is converting a check into a copy or electronic format 
   to repay all charges, cash advances, Interest Charge, 
                                        that is more than the Credit Line as immediately  for processing through the check processing system.
   and other fees and charges arising from the use of the 
                                        due; or 3) refuse to permit the transaction. ANY FEE 
   Card and the Account by You or anyone that You allow 
                                        WILL  REDUCE  YOUR  AVAILABLE  CREDIT  LINE. 6. Interest  Charges. Credit Purchases, Method �G�: 
   to use the Card. You also agree to be responsible for                    Average Daily Balance (including New Purchases). An 
   charges made by anyone else to whom You give the  4. Credit  Information. You authorize Us to investigate  Interest Charge will be imposed on Credit Purchases 
   Card or the number on the Card, and this responsibility  Your credit standing when opening, renewing or  only if you elect not to pay the entire New Balance of 
   continues until the Card and its number is recovered.  reviewing Your Account, and You authorize Us to disclose  purchases shown on your monthly statement for the 
   You cannot disclaim responsibility by notifying Us, but  information regarding Your Account to credit bureaus  previous billing cycle within 25 days from the closing date 
   We will close the Account for new transactions if You  and other creditors who inquire of Us about Your credit  of that statement. If you elect not to pay the entire New 
   so request and if You return all Cards. Your obligation  standing. You authorize Us to get a consumer report  Balance of purchases shown on your previous monthly 
   to pay the Account balance continues even though an  about You now and from time to time in the future; if  statement within that 25-day period, an Interest Charge 
   agreement, divorce decree or other court judgment  You ask You will be told if a consumer report has been  will be imposed on the unpaid average daily balance 
   to which We are not a party may direct You or one of  obtained and the name and address of the agency that  of such Credit Purchases from the previous statement 
   the other persons responsible to pay the Account. Any  supplied the report; We may check Your employment  closing date and on new Credit Purchases from the date 
   person using the Card is jointly and severally responsible  history and obtain any other information about You; and  of posting to your account during the current billing cycle, 
   with You for charges he or she makes, but if that person  We may attempt to verify all information provided on the  and will continue to accrue until the closing date of the 
   signs the Card, he or she becomes a party to this  application. You acknowledge that You are at least 19 years  billing cycle preceding the date on which the entire New 
   Agreement and is also jointly  and generally  responsible  of age, that You do not already have a MASTERCARD �   Balance of purchases is paid in full or until the date of 
   for all charges on the Account, including Yours. credit card issued by Alabama Credit Union and have not  payment if more than 25 days from the closing date. For 
                                        applied for such an account within the past six months. Credit Purchases, the Interest Charge for a billing cycle 
   2. Liability for Unauthorized Use and Lost Card 
                                                                            is computed by applying the Monthly Periodic Rate to 
   Noti?cation. If You believe Your Card has been lost or  5. Payments. Each month You must pay at least the  the average daily balance of Credit Purchases, which 
   stolen or there has been an unauthorized use of Your  Minimum Payment shown on Your statement by the date  is determined by dividing the sum of the daily balances 
   card, You should write to Us immediately at: 220 Paul  speci?ed on the statement or no later than 25 days from  during the billing cycle by the number of days in the cycle. 
   W. Bryant Drive East, P.O. Box 862998 Tuscaloosa, AL  the statement closing date, whichever is later. If Your  Each daily balance of Credit Purchases is determined 
   35486, or call Us at: 888.817.2002 or 800.991.9461.  statement says the payment is �Now Due,� Your payment  by adding to the outstanding unpaid balance of Credit 
   You will not be liable for any unauthorized use of Your  is due no later than 25 days from the statement closing  Purchases at  the beginning of the billing cycle any  new 
   card after You notify Us. You may, however, be liable  date. You may pay more frequently, pay more than the  Credit Purchases posted to your account, and subtracting 
   for unauthorized use that occurs before Your notice  Minimum Payment or pay the Total New Balance in full. If  any payments as received and credits as posted to your 
   to Us. In any case, if Your Account is one de?ned as a  You make extra or larger payments, You are still required  account, but excluding any unpaid Interest Charges.
   Consumer Account subject to Regulation Z, Your liability  to make at least the Minimum Payment each month Your  Cash Advances, Method �A�: Average daily balance. 
   will notexceed$50.00. Such liability limits do not apply  Account has a balance (other than a credit balance). The  The Interest Charge on cash advances begins to 
   when the Card is used to make an electronic fund transfer  Minimum Payment is 2.5% of Your Total New Balance or  accrue on the date you obtain the cash advance or 
   or if the Account is  not  governed  by  Regulation Z. $25.00, whichever is greater, not to exceed Your Total  the ?rst day of the billing cycle in which it is posted to 
                                        New Balance, plus the amount of any prior Minimum 
   3. Credit Line. If We approve Your application, We will                  your account, whichever is later. For Cash Advances, 
                                        Payments that You have not made, and any amount You 
   establish a self-replenishing Credit Line (Credit Line shall             the Interest Charge for a billing cycle is computed by 
                                        are over Your Credit Line or Credit Limit. The Credit Union 
   be synonymous with the term Credit Limit) for You and                    applying the Monthly Periodic Rate to the average daily 
                                        also has the right to demand immediate payment of any 
   notify You of its amount when We issue the Card. You                     balance, which is determined by dividing the sum of the 
                                        amount by which You are over Your Credit Line or Credit 
   agree not to let the Account balance exceed this approved                daily balances during the billing cycle by the number of 
                                        Limit. Subject to applicable law, Your payments may be 
   Credit Line. Each payment You make on the Account will 
                                        applied to what You owe the Credit Union in any manner 
   restore Your Credit Line by the amount of the payment 
                                        the Credit Union chooses, currently, We apply payments       >> continued
   which is applied to principal. You may request an increase 
                                        ?rst to Interest Charges, then to fees, then to Minimum 
   in Your Credit Line only by written application to Us, which 
                   IMPORTANT: Read these directions before completing this application.
                                                                                        Section D: 
   ?   If you are applying for an individual account in your own name and are relying on your own income or assets and not the income or assets of another   
       person as the basis for repayment of the credit requested, complete only Section A and D.
   ? If you are applying for a joint account or an account that you and another person will use, complete all Sections, providing information in B about the Sign Here
       joint applicant .
                                                                              You must sign in BOTH PLACES before we can process  
   ? If you are applying for an individual account, but are relying on income from alimony, child support, or separate maintenance or on the income or  
        assets of another person as the basis for repayment of the credit requested, complete all Sections to the extent possible, providing information in B     your application.
        about the person on whose alimony, support, or maintenance payments or income or assets you are relying. 
                      ?  Joint Account ?   Individual Account   ?   Updated application for an existing  To secure your Account, you grant us a purchase money security 
   Section A: Applicant
                      ?   Individual  with Authorized User account           interest under the Uniform Commercial Code in any goods you 
                                                                             purchase through use of the Card. If you default, we will have the 
   Credit Limit Requested*: $                                                  Credit Union Account Number:                                                  right to recover any of these goods, which have not been paid for 
                                                                             through our application of your payments. You pledge all shares and 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth /or deposits (including amounts in draft accounts) and payments and 
                                                                             earnings thereon which you now or hereafter may have with us, whether 
   Address                                 Years at Address
                                                                             held jointly, individually, or in trust, as security for any and all monies 
                                                                             advanced or purchases made by the use of the Card and interest 
   City           State     ZIP Code       Cell Phone     Home Phone
                                                                             accrued thereon. Your authorize us to take what you owe us out of any 
   Previous Street Address           Number of Dependents  E-mail Address    account (except Individual Retirement Accounts) you have with us. Your 
                                                                             signature below this section indicates your agreement to this security 
   City           State     ZIP Code                      Mother�s Maiden Name      interest and the terms of the section.
                                                                             X
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer Signature of Applicant   Date
                                                                             X
   Business Phone  Business Address                                          Signature of Co-Applicant (if applicable)   Date
   $              $
   Gross Monthly Income**  Net Monthly Income**  Other Income**(Include Source of Other Income)
                            Monthly Housing Payment  Name of Mortgage Company or Landlord
   Check One:  ? Own Home     ? Rent
                                                                             You  authorize  us  to  make  whatever  credit  inquiries  that  we  deem 
   *If you do not qualify for the full amount requested, we may approve the quali?ed amount. necessary in connection with this credit card application or in the 
   **Alimony, child support, or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.
                                                                             course of review or collection of any credit extended in reliance on 
                           Note To Married Applicants: You have the right to apply for a separate account, in your own name.   this application. You authorize and instruct any person or consumer 
   Section B: Co-Applicant  Income from alimony, child or spousal support need not be disclosed unless you wish it considered as income. reporting agency to compile and furnish to us any information that it may 
                                                                             have or obtain in response to such credit inquiries and agree that such 
   Completion Of This Section Required If (1) You are a resident of a community property state (AZ, CA, ID, LA, NM, NV, TX, WA)
                                                                             information, along with this application, shall remain our property whether 
                                                                             or not credit is granted. You agree to be bound by the MasterCard �  Credit 
   First Name     Middle Initial  Last Name  Social Security Number  Date of Birth
                                                                             Card Agreement governing you Account(s). By signing below, you certify 
   Address        City      State          ZIP Code       Years at Address   that the information provided herein by you is complete and true, and is 
                                                                                   furnished for the purpose of obtaining credit.
   Relationship to Applicant/Address if Different from Applicant  Home Phone  Cell Phone  E-mail Address
                                                                             CAUTION � IT IS IMPORTANT THAT YOU THOROUGHLY 
   Name of Employer or Source of Income   Job Title/Occupation  Years with Employer  Business Phone
                                                                                READ THE CONTRACT BEFORE YOU SIGN IT.
   $              $
   Gross Monthly Income***  Net Monthly Income***  Monthly Housing Payment  Name of Mortgage Company or Landlord
                                                                             X
   Check One:  ? Own Home     ? Rent                                         Signature of Applicant   Date
                                                                             X
                                                                             Signature of Co-Applicant (if applicable)   Date
   Section C: Balance Transfer Request
   Why pay higher interest rates or fees on your other credit cards? Transfer your balances to your new Alabama CU MasterCard �  Credit Card! 
   Simply complete this form to start saving with this low ?xed rate. We�ll take care of the rest. Maximum total Balance Transfer Request amount is  FOR CREDIT UNION USE ONLY
   $25,000 and will be based on your approved credit limit. Minimum amount is $50. Please use black or blue ink.
   1.                                                 $                      Card: ? Level 1       ? Level 2       ? Level 3
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                             Notes:                                                                                                           
    Payment Address          City           State          ZIP Code                                                                                                                        
   2.                                                 $                                                                                                                                   
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                                                                                                                                          
    Payment Address          City           State          ZIP Code                                                                                                                       
   3.                                                 $
    Card/Loan Issuer         Account Number           Speci?c Amount to Pay 
                                                                             Date:                             CDR:                        
    Payment Address          City           State          ZIP Code                     ADR:                        
   Help us process your balance transfers faster by following these guidelines: (1) List the most important transfers ?rst. (2) For Card/Loan Issuer, list the ?nancial 
   institution (not yourself, MasterCard, or VISA � ). (3) Continue to make your payments to these accounts until you hear from us.
  MasterCardBrochureApp-Final.indd   1                                                                 9/11/14   11:18 AM
                                        interest in any other items which are �household  transfer. We will not electronically debit Your account 
   >> continued from other side         goods� under Federal Reserve Board Regulation AA. for a payment, which You did not authorize; however, 
                                                                             You authorize an electronic transfer each time You 
                                        You pledge all share and/or deposits (including amounts  send Us a paper check. Your payment may appear on  days in the cycle. Each daily balance is determined by  in draft accounts) and payments and earnings thereon  Your bank statement as an �ACH� transaction with Your  adding to the Previous Balance (the outstanding balance  which You now or hereafter may have with Us, whether  check number, the payment amount, and Our name. The  of your account at the beginning of the billing cycle)  held   jointly, individually or in trust, as security for any and  check will not be returned to You. Your funds may be  any new Cash Advances received and any new Credit  all monies advanced or purchases made by use of the  withdrawn on the same day We receive Your payment. Purchases posted to your account, and subtracting  Card and any interest accrued thereon. Upon default You 
   any payments as received or credits as posted to your  authorize   Us to take what You owe Us out of any such  26. Payment Holidays. We may allow You, from time 
   account but excluding any unpaid Interest Charges. account (except Individual Retirement Accounts) You have  to time, to skip a monthly payment or make a reduced 
                                        with Us. By use of the card You acknowledge that You  payment. We will notify You when these options are  Applies  to MASTERCARD �   Level 1 only: The Interest 
                                        have signed a   separate security agreement granting a  available. If You choose to avail Yourself of these  Charge will be calculated by multiplying the average daily 
                                        security interest in all shares and/or deposits in the Credit  opportunities, Interest Charges, applicable fees, and  balance on your Account by the Monthly Periodic Rate of 
                                        Union (except Individual Retirement Account) including  other regular transactions, if any, will accrue on Your  1.075%, which is an ANNUAL PERCENTAGE RATE of 
                                        all accounts from   which You have a right to withdraw. Account in accordance with this Agreement. The  12.90%.
                                                                             reduced payment amount may be less than Your Interest 
                  �                     13. Effect of Agreement. This Agreement is the contract  Applies to MASTERCARD  Level 2 only:  The Interest  Charges. If We offer the option of a reduced payment, 
                                        which applies to all transactions on Your Account even  Charge will be calculated by multiplying the average daily  such payment will have to be made on its due date or 
                                        though the sales, cash advance, credit or other slips  balance on your Account by the Monthly Periodic Rate of  it will be subject to a late charge. You must resume 
                                        You sign or receive may contain different terms. We  .9083%, which is an ANNUAL PERCENTAGE RATE of  making Your regular Minimum Payment each month 
                                        may amend this Agreement at any time without notice  10.90%. following a payment holiday or reduced payment option.
                                        unless, notice is required by law. Any amendment to 
                                                                                        �
   Applies to MASTERCARD �  Level 3 only: The Interest  this Agreement will take effect on the day it is mailed  27. MASTERCARD  Rules and Regulations. The 
   Charge will be calculated by multiplying the average daily  unless, advance notice is required by law. Your use  services provided to You under this Agreement are made 
   balance on your Account by the Monthly Periodic Rate of  of the Card there after will indicate Your agreement to  possible by Alabama Credit Union�s status as a licensee 
                                        the amendments. To the extent the law permits, and  of MASTERCARD �
   .7416%, which is an ANNUAL PERCENTAGE RATE of                                         U.S.A.. You recognize Alabama 
   8.90%.                               We indicate in Our notice, amendments will apply to  Credit Union�s responsibility to comply with the current 
                                        Your existing Account balance as well as to future  MASTERCARD �  U.S.A. rules and regulations and 
   All interest rates and Interest Charge are subject to change.  transactions. If more than one person executes this  changes to them in order to continue to provide these 
   In the event of an increase in these rates or charges We will  agreement or related application or is otherwise liable  services.
   provide you at least the minimum notice required by law. under this Agreement, each of You will be jointly and 
                                        severally liable under this Agreement. This means each  28. You should keep this Agreement. This is the legal 
   7. Default. You will be in default if You fail to make any  of You are responsible for the entire amount owed. Each  contract regarding Your use of the Account or Card which 
   Minimum Payment or other required payment by the date  of You authorizes the others to make purchases or cash  may be issued to You.
   that it is due. You will also be in default if (a) Your ability  advances individually or to terminate the Agreement. 
   to repay Us is materially reduced by a change in Your                     29. Addresses. Addresses for payments shall be 
                                        You cannot transfer Your rights under this Agreement, 
   employment, an increase in Your obligations, bankruptcy                   shown on your Statement. Any inquiries by You should 
                                        but, Your obligations hereunder shall be binding 
   or insolvency proceedings involving You, Your death or                    be made to the address shown on Your statement 
                                        upon Your heirs, estate, and personal representative.
   Your failure to abide by this Agreement, (b) You break any                after the phrase �Send Inquiries To:.� The terms of this 
   promise You have made to Us under this Agreement or  14. Statements and Notices. Statements and notices  Agreement are current as of the Printed date herein. 
   any other agreement You have with Us, (c) any statement  will be mailed to You at the most recent address  This information may be changed at any time after its 
   You have made in this Agreement, in connection with this  You have given the Credit Union. Notice sent to any  printing. To ?nd out what may have changed after the 
   Agreement or in connection with any other agreement  one of You will be considered notice to all of You. Printed date, You should contact Us at: 220 Paul Bryant 
   or application You have with Us is not true, or (d) We                    Drive, Tuscaloosa, AL 35401, or call at 1-800-991-4961.
   should otherwise feel insecure in receiving payment of  15. Delay in Enforcement. No delay in enforcement of 
                                        Our rights under this Agreement will result in any loss  YOUR BILLING RIGHTS the Account balance for whatever reason. If You are in 
                                        of Our rights or relieve You of any of Your obligations. KEEP THIS NOTICE FOR FUTURE USE default, We have the right to demand immediate payment 
                                                                             This notice contains important information about Your  of Your full Account Balance at once without notice to You. 
                                        16. Invalidity of Provisions and Captions. If any  rights  and  Our  responsibilities  under  the  Fair  Credit  If immediate payment is demanded, You agree to continue 
                                        provision of this Agreement is deemed invalid the  Billing Act. paying all Interest Charges, until what You owe has been 
                                        rest of this Agreement will remain in full force and  paid, and any security given for Your Account may be 
                                        effect. The paragraph headings are for convenience  NOTIFY US IN CASE OF ERRORS OR QUESTIONS 
   applied towards what You owe. In the event of a default, 
                                        only and do not form a part of this Agreement. This  ABOUT YOUR LOAN ACCOUNT STATEMENT.
   You agree to pay all costs of collecting the amount You 
                                        Agreement  and  any  written  modi?cations  here  to  is  owe under this agreement including, if the unpaid balance  If You think Your statement is wrong, or if You need more 
                                        the contract which applies to all transactions on this  under this plan is greater than Three Hundred Dollars  information about a transaction on Your statement, write 
                                        Account, regardless of contradictory terms on sales,  ($300.00) at the time of collection, reasonable attorney�s  Us on a separate sheet at the address listed on Your 
                                        cash advance, credit or other slips or documents. fees if the debt is referred for collection to an attorney  statement. Write to Us as soon as possible. We must hear 
   who is not Our employee and if suit is ?led, court costs. 17. Governing Law. TO THE EXTENT NOT PROHIBITED  from You no later than 60 days after We sent You the ?rst 
                                        BY LAW, THE TERMS AND CONDITIONS OF THIS  statement on which the error or problem appeared. You can 
   8. Using the Card. You may use the card issued to You 
                                        AGREEMENT ARE GOVERNED BY AND CONSTRUED  telephone Us, but doing so will not preserve Your rights.
   to make purchases in person, over the internet, by mail 
                                        IN ACCORDANCE WITH THE LAWS OF THE STATE OF  or telephone from merchants and others who accept  In Your letter, give Us the following information: *Your 
            �                           ALABAMA (WITHOUT REGARD TO ITS CONFLICT OF  MASTERCARD  cards. In addition, You may obtain cash  name and account number. *The dollar amount of the 
                                        LAWS PRINCIPLES) AND ANY APPLICABLE FEDERAL  advances  from  the  Credit  Union,  from  other  ?nancial  suspected error. *Describe the error and explain, if You 
   institutions participating in the MASTERCARD � LAW  REGARDLESS  OF  WHERE  YOU  RESIDE  OR   program  can, why You believe there is an error. If You need more 
                                        USE YOUR ACCOUNT AT ANY TIME. This choice of  and from automated teller machines (ATMs), such as the  information, describe the item You are not sure about.*
            �                           law is made because of a strong relationship between  MASTERCARD  ATM Network, which provide access to 
   the MASTERCARD �                     this Agreement and Your account with Alabama Credit  system. (Not all ATMs provide such  If You have authorized Us to pay Your loan account 
                                        Union which is located in Alabama, and to insure uniform  access). You will need to use Your Personal Identi?cation  automatically from Your savings or share draft account, You 
                                        procedures and interpretation for all of our members,  Number (PIN) to obtain a cash advance from an ATM. If  can stop the payment on any amount You think is wrong. To 
                                        no matter where they reside or use their accounts. You use the Card to purchase �Cash Equivalents�, such  stop the payment Your letter must reach Us three business 
   as foreign currency, money orders, travelers checks,                      days before the automatic payment is scheduled to occur.
                                        18. Signatures and Copies of Agreement. By  wire transfers, person to person money transfers, out-
   of-network bill payments, bets, lottery tickets, or casino  signing the Application, or Card, or use of the Card,  YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER 
   gaming chips, or make a balance transfer, We may treat  You agree to the terms of this Agreement. You should  WE RECEIVE YOUR WRITTEN NOTICE.
   these as cash advances. You agree to comply with all  keep the Agreement for Your records. You agree to 
   laws when using Your Card. You agree not to use the  sign (and if appropriate, have authorized users sign) the  We must acknowledge Your letter within 30 days, 
   Card for any illegal activity including internet gambling.  card(s) in the place provided for authorized signature. unless We have corrected the error by then. 
   Display of the MASTERCARD �  logo does not mean that                      Within 90 days, We must either correct the error or 
   the online merchant or the activity You are engaging in is  19.  Negative  Information  Notice. We may report  explain why We believe the statement was correct.
   legal. You agree to hold Us harmless for any damages or  information about Your account to credit bureaus. 
                                                                             After We receive Your letter, We cannot try to collect 
   other liability arising from a transaction initiated by You  Late payments, missed payments, or other defaults on 
                                        Your  account  may  be  re?ected  in  Your  credit  report.  any amount You question, or report You as delinquent. 
   or Your authorized user for the purpose of conducting 
                                        If  Your  Account  is  eligible  for  emergency  cash  and/ We can continue to send statements to You for the 
   an illegal activity. We reserve the right to decline 
                                                                             amount You question, including Interest Charges, and 
   authorization of transactions for activities We believe  or emergency card replacement services, and You 
                                        request such service, You agree that We may provide  We can apply any unpaid amount against Your credit 
   may violate law or pose signi?cant risk to Us. The monthly 
   statement will identify the merchant, electronic terminal  personal information about You and Your account that  limit. You do not have to pay any questioned amount 
   or ?nancial institution at which transactions were made,  is necessary to provide You with the requested service. while We are investigating, but You are still obligated to 
                                                                             pay the parts of Your statement that are not in question.
   but sales, cash advance, credit or other slips cannot be 
                                        20. Ownership of Card. Every Card remains Our 
   returned with the statement. You agree to retain the copy 
                                        property. We have the right to cancel Your Account  If We ?nd that We made a mistake on Your statement, 
   of such slips furnished at the time of the transaction in 
                                        at any time with or without written notice to You.  You will not have to pay any Interest Charges related 
   order to verify the monthly statement. We may make a 
                                        You must return the card if We ask You to do so. You  to any questioned amount. If We didn�t make a 
   reasonable charge for photocopies of slips You request.
                                        cannot use the card after it has been cancelled. If a  mistake, You may have to pay Interest Charges, and 
   9. Returns and Adjustments. Merchants and others  bankruptcy proceeding is commenced by or against  You will have to make up any missed payments on the 
                                                                             questioned amount. In either case, We will send You a 
   who honor the Card may give credit for returns or  You, Your card will be cancelled automatically.
                                                                             statement of the amount You owe and the date it is due.
   adjustments, and they will do so by sending Us a credit 
                                        21. Acceptance of Calls. You agree that if You do not 
   slip which We will post to Your Account. If Your credits 
                                        make payments on Your account in accordance with  If You fail to pay the amount that We think You owe, We 
   and payments exceed what You owe Us, We will hold 
                                        this Agreement, or if We are verifying Your use of the  may report You as delinquent. However, if Our explanation 
   and apply this credit balance against future purchases 
                                        Card, or otherwise We feel We need to contact You in  does not satisfy You and You write to Us within ten days 
   and cash advances, or if it is $1 or more, refund it upon 
                                        regards to this Account, You will accept calls from Us  telling Us that You still refuse to pay, We must tell anyone 
   Your written request or automatically after 6 months.
                                        regarding Your account. You agree such calls will not  We report You to that You have a question about Your 
                                        be �unsolicited� calls for purposes of any state or federal  statement. And, We must tell You the name of anyone We 
   10.  Foreign  Transactions. Purchases and cash 
                                                                             reported You to. We must tell anyone We report You to that 
   advances made in foreign countries and foreign  law. You further agree that any calls made to Us or by 
                                        Us may be recorded without any further notice to You. the matter has been settled between Us when it ?nally is.
   currencies will be billed to You in U.S. Dollars. The 
   exchange rate for transactions in foreign currency will                   If We don�t follow these rules, We can�t collect the ?rst $50 of 
   be a rate selected by MASTERCARD �   22.  Bene?ts.  We  may  offer  a  variety  of  bene?ts, 
                           from the range 
                                        services, or premiums in relation to the Card or  the questioned amount, even if Your statement was correct. 
   of rates available in wholesale currency markets for the 
                                        Account. Any bene?ts or services are not a part of this 
   applicable central processing date, which rate may vary                   SPECIAL  RULE  FOR  CREDIT  CARD  PURCHASES.
                     �                  Agreement, but are subject to the terms and restrictions 
   from the rate MASTERCARD  itself receives, or the 
                                        outlined  in  the  bene?ts  brochure  and  other  of?cial 
   government mandated rate in effect for the applicable                     If You have a problem with the quality of property or 
                                        documents provided to You from time to time by or on 
   central processing date, plus any adjustment determined                   services that You purchased with a credit card, and You 
                                        behalf of Us. We may adjust, add, or delete bene?ts 
   by Us. All transactions in foreign countries or foreign                   have tried in good faith to correct the problem with the 
                                        and services at any time and without notice to You.
   currency will be subject to a 1 % conversion or processing                merchant, You may have the right not to pay the remaining 
   fee. We may implement a dollar limit or number of                         amount due on the property or services. There are two 
                                        23. Access Checks. We may offer You the ability to 
   transaction per day limit for foreign transactions.                       limitations on this right: (a) You must have made the 
                                        access Your account with access checks. If We do, 
   We may also not approve any foreign transactions.                         purchase in Your home state or, if not within Your home 
                                        any use of an access check will be considered a cash 
   We are required by U. S. law to allow transactions                        state, within 100 miles of Your current mailing address; and 
                                        advance. If You have a need to stop payment on an 
   made in or involving certain countries. You should                        (b) The purchase price must have been more than $50.00.
                                        access check, You must provide Us with the access 
   contact Us before attempting any foreign transaction.                     These limitations do not apply if the credit card 
                                        check number, dollar amount, and payee exactly as 
                                                                             issuer owns or operates the merchant, or mailed 
                                        they appear on the access check. If You tell Us orally, 
   11. Plan Merchant Disputes. We are not responsible for                    You the advertisement for property or services.
                                        We may require You to put Your request in writing. Any 
   the refusal of any plan merchant or ?nancial institution to               The following notices may apply to You. Their 
                                        stop payments will be governed by the terms for stop 
   honor Your Card. We are subject to claim sand defenses                    placement as notices herein do not indicate that these 
                                        payments presented in Our Master Account Agreement 
   (other than tort claims) arising out of goods or services                 States have any jurisdiction over this Agreement.
                                        as if the item were a share draft/check written from a 
   You purchase with the Card only if You have made a good 
                                        share draft account. You may not post date an access 
   faith attempt, but have been unable to obtain satisfaction                Notice  to  Ohio  Residents.  The  Ohio  laws  against 
                                        check. If You do postdate an access check, We may 
   from the plan merchant, and: (a) Your purchase was made                   discrimination require that all creditors make credit 
                                        elect to honor it upon presentment or return it unpaid to 
   in response to an advertisement We sent or participated                   equally available to all creditworthy customers, and 
                                        the person that presented it to Us for payment, without 
   in sending You, or (b) Your purchase cost more than                       that credit reporting agencies maintain separate credit 
                                        in either case waiting for the date shown on the access 
   $50 and was made from a plan merchant in Your state                       histories on each individual upon request. The Ohio Civil 
                                        check. We are not liable to You for any loss or expense 
   or within 100 miles of Your home. Any other disputes                      Rights Commission administers compliance with this law.
                                        incurred by You arising out of the action We elect to take.
   must be resolved directly with the plan merchant by You.                  Notice to California Residents. If  You  are  a  married 
                                                                             applicant, You may apply for credit in Your own name.
                                        24.  Transactions  After  Your  Account  is  Closed. 
   12.  Security  Interest. To secure Your Account, You 
                                        When Your Account is closed, You must contact anyone 
   grant Us a purchase money security interest under the                     Married Wisconsin Residents Only. No provision of any 
                                        authorized to charge transactions to Your account, such 
   Uniform Commercial Code in any goods You purchase                         marital property agreement, unilateral statement, or court 
                                        as health clubs, insurance companies, internet providers, 
   through use of the Card. If You are in default, We will have              order applying to marital property will adversely affect  a 
                                        utilities and others. These transactions may continue to be 
   the right to recover any of these goods which have not                    creditor�s interests unless, prior to the time credit is granted, 
                                        charged to Your account until You change the billing with 
   been paid for through Our application of Your payments.                   the creditor is furnished a copy of the agreement, statement, 
                                        these companies, at Our election. Also, if We believe You 
   Collateral securing other loans You have with Us may                      or court order, or has actual knowledge of the provision.
                                        have authorized a transaction or are attempting to use Your 
   also secure this loan, except that Your home will never be 
                                        account after You have requested to close the account, We 
   considered as security for this Account, notwithstanding                  Notice  to  New  York  Residents.  You  may  contact  the 
                                        may allow the transaction to be charged to Your account.
   anything to the contrary in any other agreement with                      New York State Banking Department 1 800-518-8866 to 
   Us. Except for the purchase money security interest                       obtain a comparative listing of credit card rates, fees, and 
                                        25.  Payment  Check  Processing. Your paper check 
   You are granting herein, we are not taking a security                     grace periods.
                                        may be converted into a one time electronic funds 
                                                                                            �
                                                                               MasterCard     Credit Card 
   Alabama Credit Union employs                                                       Application
                                              HERE
   the latest technology allowing         PLACE 
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   you to manage your account 
   from almost anywhere. 
   ACUiBranch � -Enables members to check 
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   frequent transactions online.
   ACUmBranch SM -Brings all the capabilities of 
   ACUiBranch �  to smartphone users. 
   Bill-Pay-Schedules and sends out both 
   recurring and one-time electronic bill 
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   AlabamaCU.com � 888.817.2002
                                        here
                                       tape closed 
                                                          Credit Card Department P.O. Box 862998 Tuscaloosa, AL 35486-0027
                                       Caution: Fold and tape this application closed before mailing. Feel good about your money.
  MasterCardBrochureApp-Final.indd   2                                                                 9/11/14   11:18 AM                                       interest in any other items which are �household  transfer. We will not electronically debit Your account 
  >> continued from other side         goods� under Federal Reserve Board Regulation AA. for a payment, which You did not authorize; however, 
                                                                            You authorize an electronic transfer each time You 
                                       You pledge all share and/or deposits (including amounts  send Us a paper check. Your payment may appear on  days in the cycle. Each daily balance is determined by  in draft accounts) and payments and earnings thereon  Your bank statement as an �ACH� transaction with Your  adding to the Previous Balance (the outstanding balance  which You now or hereafter may have with Us, whether  check number, the payment amount, and Our name. The  of your account at the beginning of the billing cycle)  held   jointly, individually or in trust, as security for any and  check will not be returned to You. Your funds may be  any new Cash Advances received and any new Credit  all monies advanced or purchases made by use of the  withdrawn on the same day We receive Your payment. Purchases posted to your account, and subtracting  Card and any interest accrued thereon. Upon default You 
  any payments as received or credits as posted to your  authorize   Us to take what You owe Us out of any such  26. Payment Holidays. We may allow You, from time 
  account but excluding any unpaid Interest Charges. account (except Individual Retirement Accounts) You have  to time, to skip a monthly payment or make a reduced 
                                       with Us. By use of the card You acknowledge that You  payment. We will notify You when these options are  Applies  to MASTERCARD �   Level 1 only: The Interest 
                                       have signed a   separate security agreement granting a  available. If You choose to avail Yourself of these  Charge will be calculated by multiplying the average daily 
                                       security interest in all shares and/or deposits in the Credit  opportunities, Interest Charges, applicable fees, and  balance on your Account by the Monthly Periodic Rate of 
                                       Union (except Individual Retirement Account) including  other regular transactions, if any, will accrue on Your  1.075%, which is an ANNUAL PERCENTAGE RATE of 
                                       all accounts from   which You have a right to withdraw. Account in accordance with this Agreement. The  12.90%.
                                                                            reduced payment amount may be less than Your Interest 
                  �                    13. Effect of Agreement. This Agreement is the contract  Applies to MASTERCARD  Level 2 only:  The Interest  Charges. If We offer the option of a reduced payment, 
                                       which applies to all transactions on Your Account even  Charge will be calculated by multiplying the average daily  such payment will have to be made on its due date or 
                                       though the sales, cash advance, credit or other slips  balance on your Account by the Monthly Periodic Rate of  it will be subject to a late charge. You must resume 
                                       You sign or receive may contain different terms. We  .9083%, which is an ANNUAL PERCENTAGE RATE of  making Your regular Minimum Payment each month 
                                       may amend this Agreement at any time without notice  10.90%. following a payment holiday or reduced payment option.
                                       unless, notice is required by law. Any amendment to 
                                                                                       �
  Applies to MASTERCARD �  Level 3 only: The Interest  this Agreement will take effect on the day it is mailed  27. MASTERCARD  Rules and Regulations. The 
  Charge will be calculated by multiplying the average daily  unless, advance notice is required by law. Your use  services provided to You under this Agreement are made 
  balance on your Account by the Monthly Periodic Rate of  of the Card there after will indicate Your agreement to  possible by Alabama Credit Union�s status as a licensee 
                                       the amendments. To the extent the law permits, and  of MASTERCARD �
  .7416%, which is an ANNUAL PERCENTAGE RATE of                                         U.S.A.. You recognize Alabama 
  8.90%.                               We indicate in Our notice, amendments will apply to  Credit Union�s responsibility to comply with the current 
                                       Your existing Account balance as well as to future  MASTERCARD �  U.S.A. rules and regulations and 
  All interest rates and Interest Charge are subject to change.  transactions. If more than one person executes this  changes to them in order to continue to provide these 
  In the event of an increase in these rates or charges We will  agreement or related application or is otherwise liable  services.
  provide you at least the minimum notice required by law. under this Agreement, each of You will be jointly and 
                                       severally liable under this Agreement. This means each  28. You should keep this Agreement. This is the legal 
  7. Default. You will be in default if You fail to make any  of You are responsible for the entire amount owed. Each  contract regarding Your use of the Account or Card which 
  Minimum Payment or other required payment by the date  of You authorizes the others to make purchases or cash  may be issued to You.
  that it is due. You will also be in default if (a) Your ability  advances individually or to terminate the Agreement. 
  to repay Us is materially reduced by a change in Your                     29. Addresses. Addresses for payments shall be 
                                       You cannot transfer Your rights under this Agreement, 
  employment, an increase in Your obligations, bankruptcy                   shown on your Statement. Any inquiries by You should 
                                       but, Your obligations hereunder shall be binding 
  or insolvency proceedings involving You, Your death or                    be made to the address shown on Your statement 
                                       upon Your heirs, estate, and personal representative.
  Your failure to abide by this Agreement, (b) You break any                after the phrase �Send Inquiries To:.� The terms of this 
  promise You have made to Us under this Agreement or  14. Statements and Notices. Statements and notices  Agreement are current as of the Printed date herein. 
  any other agreement You have with Us, (c) any statement  will be mailed to You at the most recent address  This information may be changed at any time after its 
  You have made in this Agreement, in connection with this  You have given the Credit Union. Notice sent to any  printing. To ?nd out what may have changed after the 
  Agreement or in connection with any other agreement  one of You will be considered notice to all of You. Printed date, You should contact Us at: 220 Paul Bryant 
  or application You have with Us is not true, or (d) We                    Drive, Tuscaloosa, AL 35401, or call at 1-800-991-4961.
  should otherwise feel insecure in receiving payment of  15. Delay in Enforcement. No delay in enforcement of 
                                       Our rights under this Agreement will result in any loss  YOUR BILLING RIGHTS the Account balance for whatever reason. If You are in 
                                       of Our rights or relieve You of any of Your obligations. KEEP THIS NOTICE FOR FUTURE USE default, We have the right to demand immediate payment 
                                                                            This notice contains important information about Your  of Your full Account Balance at once without notice to You. 
                                       16. Invalidity of Provisions and Captions. If any  rights  and  Our  responsibilities  under  the  Fair  Credit  If immediate payment is demanded, You agree to continue 
                                       provision of this Agreement is deemed invalid the  Billing Act. paying all Interest Charges, until what You owe has been 
                                       rest of this Agreement will remain in full force and  paid, and any security given for Your Account may be 
                                       effect. The paragraph headings are for convenience  NOTIFY US IN CASE OF ERRORS OR QUESTIONS 
  applied towards what You owe. In the event of a default, 
                                       only and do not form a part of this Agreement. This  ABOUT YOUR LOAN ACCOUNT STATEMENT.
  You agree to pay all costs of collecting the amount You 
                                       Agreement  and  any  written  modi?cations  here  to  is  owe under this agreement including, if the unpaid balance  If You think Your statement is wrong, or if You need more 
                                       the contract which applies to all transactions on this  under this plan is greater than Three Hundred Dollars  information about a transaction on Your statement, write 
                                       Account, regardless of contradictory terms on sales,  ($300.00) at the time of collection, reasonable attorney�s  Us on a separate sheet at the address listed on Your 
                                       cash advance, credit or other slips or documents. fees if the debt is referred for collection to an attorney  statement. Write to Us as soon as possible. We must hear 
  who is not Our employee and if suit is ?led, court costs. 17. Governing Law. TO THE EXTENT NOT PROHIBITED  from You no later than 60 days after We sent You the ?rst 
                                       BY LAW, THE TERMS AND CONDITIONS OF THIS  statement on which the error or problem appeared. You can 
  8. Using the Card. You may use the card issued to You 
                                       AGREEMENT ARE GOVERNED BY AND CONSTRUED  telephone Us, but doing so will not preserve Your rights.
  to make purchases in person, over the internet, by mail 
                                       IN ACCORDANCE WITH THE LAWS OF THE STATE OF  or telephone from merchants and others who accept  In Your letter, give Us the following information: *Your 
           �                           ALABAMA (WITHOUT REGARD TO ITS CONFLICT OF  MASTERCARD  cards. In addition, You may obtain cash  name and account number. *The dollar amount of the 
                                       LAWS PRINCIPLES) AND ANY APPLICABLE FEDERAL  advances  from  the  Credit  Union,  from  other  ?nancial  suspected error. *Describe the error and explain, if You 
  institutions participating in the MASTERCARD � LAW  REGARDLESS  OF  WHERE  YOU  RESIDE  OR   program  can, why You believe there is an error. If You need more 
                                       USE YOUR ACCOUNT AT ANY TIME. This choice of  and from automated teller machines (ATMs), such as the  information, describe the item You are not sure about.*
           �                           law is made because of a strong relationship between  MASTERCARD  ATM Network, which provide access to 
  the MASTERCARD �                     this Agreement and Your account with Alabama Credit  system. (Not all ATMs provide such  If You have authorized Us to pay Your loan account 
                                       Union which is located in Alabama, and to insure uniform  access). You will need to use Your Personal Identi?cation  automatically from Your savings or share draft account, You 
                                       procedures and interpretation for all of our members,  Number (PIN) to obtain a cash advance from an ATM. If  can stop the payment on any amount You think is wrong. To 
                                       no matter where they reside or use their accounts. You use the Card to purchase �Cash Equivalents�, such  stop the payment Your letter must reach Us three business 
  as foreign currency, money orders, travelers checks,                      days before the automatic payment is scheduled to occur.
                                       18. Signatures and Copies of Agreement. By  wire transfers, person to person money transfers, out-
  of-network bill payments, bets, lottery tickets, or casino  signing the Application, or Card, or use of the Card,  YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER 
  gaming chips, or make a balance transfer, We may treat  You agree to the terms of this Agreement. You should  WE RECEIVE YOUR WRITTEN NOTICE.
  these as cash advances. You agree to comply with all  keep the Agreement for Your records. You agree to 
  laws when using Your Card. You agree not to use the  sign (and if appropriate, have authorized users sign) the  We must acknowledge Your letter within 30 days, 
  Card for any illegal activity including internet gambling.  card(s) in the place provided for authorized signature. unless We have corrected the error by then. 
  Display of the MASTERCARD �  logo does not mean that                      Within 90 days, We must either correct the error or 
  the online merchant or the activity You are engaging in is  19.  Negative  Information  Notice. We may report  explain why We believe the statement was correct.
  legal. You agree to hold Us harmless for any damages or  information about Your account to credit bureaus. 
                                                                            After We receive Your letter, We cannot try to collect 
  other liability arising from a transaction initiated by You  Late payments, missed payments, or other defaults on 
                                       Your  account  may  be  re?ected  in  Your  credit  report.  any amount You question, or report You as delinquent. 
  or Your authorized user for the purpose of conducting 
                                       If  Your  Account  is  eligible  for  emergency  cash  and/ We can continue to send statements to You for the 
  an illegal activity. We reserve the right to decline 
                                                                            amount You question, including Interest Charges, and 
  authorization of transactions for activities We believe  or emergency card replacement services, and You 
                                       request such service, You agree that We may provide  We can apply any unpaid amount against Your credit 
  may violate law or pose signi?cant risk to Us. The monthly 
  statement will identify the merchant, electronic terminal  personal information about You and Your account that  limit. You do not have to pay any questioned amount 
  or ?nancial institution at which transactions were made,  is necessary to provide You with the requested service. while We are investigating, but You are still obligated to 
                                                                            pay the parts of Your statement that are not in question.
  but sales, cash advance, credit or other slips cannot be 
                                       20. Ownership of Card. Every Card remains Our 
  returned with the statement. You agree to retain the copy 
                                       property. We have the right to cancel Your Account  If We ?nd that We made a mistake on Your statement, 
  of such slips furnished at the time of the transaction in 
                                       at any time with or without written notice to You.  You will not have to pay any Interest Charges related 
  order to verify the monthly statement. We may make a 
                                       You must return the card if We ask You to do so. You  to any questioned amount. If We didn�t make a 
  reasonable charge for photocopies of slips You request.
                                       cannot use the card after it has been cancelled. If a  mistake, You may have to pay Interest Charges, and 
  9. Returns and Adjustments. Merchants and others  bankruptcy proceeding is commenced by or against  You will have to make up any missed payments on the 
                                                                            questioned amount. In either case, We will send You a 
  who honor the Card may give credit for returns or  You, Your card will be cancelled automatically.
                                                                            statement of the amount You owe and the date it is due.
  adjustments, and they will do so by sending Us a credit 
                                       21. Acceptance of Calls. You agree that if You do not 
  slip which We will post to Your Account. If Your credits 
                                       make payments on Your account in accordance with  If You fail to pay the amount that We think You owe, We 
  and payments exceed what You owe Us, We will hold 
                                       this Agreement, or if We are verifying Your use of the  may report You as delinquent. However, if Our explanation 
  and apply this credit balance against future purchases 
                                       Card, or otherwise We feel We need to contact You in  does not satisfy You and You write to Us within ten days 
  and cash advances, or if it is $1 or more, refund it upon 
                                       regards to this Account, You will accept calls from Us  telling Us that You still refuse to pay, We must tell anyone 
  Your written request or automatically after 6 months.
                                       regarding Your account. You agree such calls will not  We report You to that You have a question about Your 
                                       be �unsolicited� calls for purposes of any state or federal  statement. And, We must tell You the name of anyone We 
  10.  Foreign  Transactions. Purchases and cash 
                                                                            reported You to. We must tell anyone We report You to that 
  advances made in foreign countries and foreign  law. You further agree that any calls made to Us or by 
                                       Us may be recorded without any further notice to You. the matter has been settled between Us when it ?nally is.
  currencies will be billed to You in U.S. Dollars. The 
  exchange rate for transactions in foreign currency will                   If We don�t follow these rules, We can�t collect the ?rst $50 of 
  be a rate selected by MASTERCARD �   22.  Bene?ts.  We  may  offer  a  variety  of  bene?ts, 
                          from the range 
                                       services, or premiums in relation to the Card or  the questioned amount, even if Your statement was correct. 
  of rates available in wholesale currency markets for the 
                                       Account. Any bene?ts or services are not a part of this 
  applicable central processing date, which rate may vary                   SPECIAL  RULE  FOR  CREDIT  CARD  PURCHASES.
                    �                  Agreement, but are subject to the terms and restrictions 
  from the rate MASTERCARD  itself receives, or the 
                                       outlined  in  the  bene?ts  brochure  and  other  of?cial 
  government mandated rate in effect for the applicable                     If You have a problem with the quality of property or 
                                       documents provided to You from time to time by or on 
  central processing date, plus any adjustment determined                   services that You purchased with a credit card, and You 
                                       behalf of Us. We may adjust, add, or delete bene?ts 
  by Us. All transactions in foreign countries or foreign                   have tried in good faith to correct the problem with the 
                                       and services at any time and without notice to You.
  currency will be subject to a 1 % conversion or processing                merchant, You may have the right not to pay the remaining 
  fee. We may implement a dollar limit or number of                         amount due on the property or services. There are two 
                                       23. Access Checks. We may offer You the ability to 
  transaction per day limit for foreign transactions.                       limitations on this right: (a) You must have made the 
                                       access Your account with access checks. If We do, 
  We may also not approve any foreign transactions.                         purchase in Your home state or, if not within Your home 
                                       any use of an access check will be considered a cash 
  We are required by U. S. law to allow transactions                        state, within 100 miles of Your current mailing address; and 
                                       advance. If You have a need to stop payment on an 
  made in or involving certain countries. You should                        (b) The purchase price must have been more than $50.00.
                                       access check, You must provide Us with the access 
  contact Us before attempting any foreign transaction.                     These limitations do not apply if the credit card 
                                       check number, dollar amount, and payee exactly as 
                                                                            issuer owns or operates the merchant, or mailed 
                                       they appear on the access check. If You tell Us orally, 
  11. Plan Merchant Disputes. We are not responsible for                    You the advertisement for property or services.
                                       We may require You to put Your request in writing. Any 
  the refusal of any plan merchant or ?nancial institution to               The following notices may apply to You. Their 
                                       stop payments will be governed by the terms for stop 
  honor Your Card. We are subject to claim sand defenses                    placement as notices herein do not indicate that these 
                                       payments presented in Our Master Account Agreement 
  (other than tort claims) arising out of goods or services                 States have any jurisdiction over this Agreement.
                                       as if the item were a share draft/check written from a 
  You purchase with the Card only if You have made a good 
                                       share draft account. You may not post date an access 
  faith attempt, but have been unable to obtain satisfaction                Notice  to  Ohio  Residents.  The  Ohio  laws  against 
                                       check. If You do postdate an access check, We may 
  from the plan merchant, and: (a) Your purchase was made                   discrimination require that all creditors make credit 
                                       elect to honor it upon presentment or return it unpaid to 
  in response to an advertisement We sent or participated                   equally available to all creditworthy customers, and 
                                       the person that presented it to Us for payment, without 
  in sending You, or (b) Your purchase cost more than                       that credit reporting agencies maintain separate credit 
                                       in either case waiting for the date shown on the access 
  $50 and was made from a plan merchant in Your state                       histories on each individual upon request. The Ohio Civil 
                                       check. We are not liable to You for any loss or expense 
  or within 100 miles of Your home. Any other disputes                      Rights Commission administers compliance with this law.
                                       incurred by You arising out of the action We elect to take.
  must be resolved directly with the plan merchant by You.                  Notice to California Residents. If  You  are  a  married 
                                                                            applicant, You may apply for credit in Your own name.
                                       24.  Transactions  After  Your  Account  is  Closed. 
  12.  Security  Interest. To secure Your Account, You 
                                       When Your Account is closed, You must contact anyone 
  grant Us a purchase money security interest under the                     Married Wisconsin Residents Only. No provision of any 
                                       authorized to charge transactions to Your account, such 
  Uniform Commercial Code in any goods You purchase                         marital property agreement, unilateral statement, or court 
                                       as health clubs, insurance companies, internet providers, 
  through use of the Card. If You are in default, We will have              order applying to marital property will adversely affect  a 
                                       utilities and others. These transactions may continue to be 
  the right to recover any of these goods which have not                    creditor�s interests unless, prior to the time credit is granted, 
                                       charged to Your account until You change the billing with 
  been paid for through Our application of Your payments.                   the creditor is furnished a copy of the agreement, statement, 
                                       these companies, at Our election. Also, if We believe You 
  Collateral securing other loans You have with Us may                      or court order, or has actual knowledge of the provision.
                                       have authorized a transaction or are attempting to use Your 
  also secure this loan, except that Your home will never be 
                                       account after You have requested to close the account, We 
  considered as security for this Account, notwithstanding                  Notice  to  New  York  Residents.  You  may  contact  the 
                                       may allow the transaction to be charged to Your account.
  anything to the contrary in any other agreement with                      New York State Banking Department 1 800-518-8866 to 
  Us. Except for the purchase money security interest                       obtain a comparative listing of credit card rates, fees, and 
                                       25.  Payment  Check  Processing. Your paper check 
  You are granting herein, we are not taking a security                     grace periods.
                                       may be converted into a one time electronic funds 
                                                                                           �
                                                                              MasterCard     Credit Card 
   Alabama Credit Union employs                                                      Application
                                             HERE
   the latest technology allowing         PLACE 
                                            POSTAGE 
   you to manage your account 
   from almost anywhere. 
   ACUiBranch � -Enables members to check 
   balances, transfer funds and perform other 
   frequent transactions online.
   ACUmBranch SM -Brings all the capabilities of 
   ACUiBranch �  to smartphone users. 
   Bill-Pay-Schedules and sends out both 
   recurring and one-time electronic bill 
   payments.
   ACUZiposit SM -Deposit a check using your 
   Smartphone or home scanner.
   Direct Deposit-Automatically receives 
   paychecks and other recurring deposits.
   AlabamaCU.com � 888.817.2002
                                       here
                                      tape closed 
                                                          Credit Card Department P.O. Box 862998 Tuscaloosa, AL 35486-0027
                                      Caution: Fold and tape this application closed before mailing. Feel good about your money.
 MasterCardBrochureApp-Final.indd   2                                                                 9/11/14   11:18 AM