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              ALABAMA CREDIT UNION ALUMNI MASTERCARD    CREDIT CARD AGREEMENT 
                                     Keep for your records
     In this Agreement the words �You� and �Your� mean each and all of those who apply for the Card, who use the Card or the Account, who sign 
     a Card or who sign this Agreement, jointly and severally. �Card� means the Alabama Credit Union For The University of Alabama National 
     Alumni Association MASTERCARD Credit Card and any duplicates and renewals We issue. �Account� means Your MASTERCARD� Credit 
     Card or MASTERCARD� Card Line of Credit Account with Us. �We�, �Us� �Our� and �ACU� mean Alabama Credit Union. �Use of the Card� 
     or �Use the Card� shall include but, not be limited to any use of the actual Card, the number presented on the Card, or any other mechanism 
     used to purchase something or some service, make a cash advance, make a balance transfer, or otherwise cause a charge on the Account. 
     �UANAA� means The University of Alabama National Alumni Association. 
     You acknowledge that membership in the UANAA quali?es You for membership eligibility in ACU, that a minimum deposit to an ACU Share 
     Savings Account is required to establish ACU membership, and membership in ACU is required to obtain an Alabama Credit Union For The 
     University of Alabama National Alumni Association MASTERCARD Credit Card. (Visit AlabamaCU.com for complete details about member-
     ship eligibility and quali?cations, including the minimum deposit to open a required ACU Share Savings Account, pursuant to the Alabama 
     Credit Union Membership & Account Agreement and amendments thereto.) By signing below, You authorize ACU to provide Your name, 
     email address and mailing address and the name, email address and mailing address of any Cardholder or Authorized User of your Account 
     to UANAA.  Any joint Cardholder or Authorized User who is not a member of Alabama Credit Union must provide identi?cation acceptable to 
     ACU, including Social Security Number, date of birth, and valid driver�s license, passport, or other approved identi?cation before being issued 
     a Card. 
     Interest rates on the Cards are 11.9%, 13.9%, 15.9% or 17.9%.  The rate is determined by qualifying credit factors, including your credit 
     score.
     1. Responsibility. If We issue You a Card, You agree to repay all charges, cash advances, Interest Charge, and other fees and charges arising 
     from the use of the Card and the Account by You or anyone that You allow to use the Card. You also agree to be responsible for charges 
     made by anyone else to whom You give the Card or the number on the Card, and this responsibility continues until the Card and its number is 
     recovered. You cannot disclaim responsibility by notifying Us, but We will close the Account for new transactions if You so request and if You 
     return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court judgment to 
     which We are not a party may direct You or one of the other persons responsible to pay the Account. Any person using the Card is jointly and 
     severally responsible with You for charges he or she makes, but if that person signs the Card, he or she becomes a party to this Agreement 
     and is also jointly  and generally  responsible for all charges on the Account, including Yours.
     2. Liability for Unauthorized Use and Lost Card Noti?cation. If You believe Your Card has been lost or stolen or there has been an unautho-
     rized use of Your card, You should write to Us immediately at: 220 Paul W. Bryant Drive East, P.O. Box 862998 Tuscaloosa, AL 35486, or call 
     Us at: 888.817.2002 or 800.991.4961. You will not be liable for any unauthorized use of Your card after You notify Us. You may, however, be 
     liable for unauthorized use that occurs before Your notice to Us. In any case, if Your Account is one de?ned as a Consumer Account subject to 
     Regulation Z, Your liability will not exceed $50.00. Such liability limits do not apply when the Card is used to make an electronic fund transfer 
     or if the Account is not governed by Regulation Z.
     3. Credit Line. If We approve Your application, We will establish a self-replenishing Credit Line (Credit Line shall be synonymous with the term 
     Credit Limit) for You and notify You of its amount when We issue the Card. You agree not to let the Account balance exceed this approved 
     Credit Line. Each payment You make on the Account will restore Your Credit Line by the amount of the payment which is applied to principal. 
     You may request an increase in Your Credit Line only by written application to Us or via our authorized online application site, which must 
     be approved by Our credit committee or loan of?cer. We may, from time to time, increase the amount of your Credit Line, with or without a 
     request by You. We may, at any time and for any reason not prohibited by law, reduce Your Credit Line, refuse to make an advance or revoke 
     Your Card and terminate this Agreement. We may always reduce Your Credit Line, refuse to make an advance or revoke Your Card and ter-
     minate this Agreement if: You have failed to comply with this Agreement; You have made false or misleading statements in any document with 
     Us; We reevaluate Your creditworthiness and determine that You are no longer as quali?ed; or We have reason to believe Our ability to collect 
     has been degraded. You may also terminate this Agreement at any time, but termination by either You or Us does not affect Your obligation 
     to pay the Account Balance, plus Interest Charges and other charges. You are also responsible for all charges made after the termination of 
     Your account unless, they are unauthorized charges as described in this Agreement .The Cards remain Our property, and You must recover 
     and surrender to Us all Cards upon Our request and upon termination of this Agreement. We have the right to demand payment immediately 
     upon termination of the entire Balance owed if the account is terminated.
     We may change Your Credit Line from time to time. If You attempt a transaction which results in Your total outstanding balance (plus autho-
     rizations) exceeding Your Credit Line, We may: 1) permit the transaction without raising Your Credit Line; 2) permit the transaction and treat 
     the amount of the transaction that is more than the Credit Line as immediately due; or 3) refuse to permit the transaction. ANY FEE WILL 
     REDUCE YOUR AVAILABLE CREDIT LINE.
     4. Credit Information. You authorize Us to investigate Your credit standing when opening, renewing or reviewing Your Account, and You au-
     thorize Us to disclose information regarding Your Account to credit bureaus and other creditors who inquire of Us about Your credit standing. 
     You authorize Us to get a consumer report about You now and from time to time in the future; if You ask You will be told if a consumer report 
     has been obtained and the name and address of the agency that supplied the report; We may check Your employment history and obtain any 
     other information about You; and We may attempt to verify all information provided on the application. You acknowledge that You are at least 
     19 years of age, that You do not already have a MASTERCARD� Credit Card issued by Alabama Credit Union and have not applied for such 
     an account within the past six months.
     5. Payments. Each month You must pay at least the Minimum Payment shown on Your statement by the date speci?ed on the statement or no 
     later than 25 days from the statement closing date, whichever is later. If Your statement says the payment is �Now Due,� Your payment is due 
     no later than 25 days from the statement closing date. You may pay more frequently, pay more than the Minimum Payment or pay the Total 
     New Balance in full. If You make extra or larger payments, You are still required to make at least the Minimum Payment each month Your Ac-
     count has a balance (other than a credit balance). The Minimum Payment is 2.5% of Your Total New Balance or $25.00, whichever is greater, 
     not to exceed Your Total New Balance, plus the amount of any prior Minimum Payments that You have not made, and any amount You are 
     over Your Credit Line or Credit Limit. The Credit Union also has the right to demand immediate payment of any amount by which You are over 
     Your Credit Line or Credit Limit. Subject to applicable law, Your payments may be applied to what You owe the Credit Union in any manner the 
     Credit Union chooses; currently, We apply payments ?rst to Interest Charges, then to fees, then to Minimum Payment for cash advances, then 
     to Minimum Payment for purchases, then to the balance of cash advances, then to the balance of credit purchases. If a payment is ever late 
     10 days or more, You agree to pay Us a late charge of $20.00. If You make a payment by check or other item which for any reason is dishon-
     ored You agree to pay a fee of $20.00 for each item returned. Proper payment is made only when the payment is made to the address shown 
     for payments on Your statement; paid with a check drawn in U.S. dollars on a U.S. ?nancial institution; or a U.S. dollar money order; and 
     sent in the return envelope with only the proper return portion of the statement; with proper postage. Any other payment method may result 
     in a delay in Our posting of Your payment. This delay may be 5 days or longer. We can accept late payments, partial payments, or payments 
     with any restrictive writing without losing any of Our rights under this Agreement. This means that no payment, including those marked with 
     �paid in full� or with any other restrictive words, shall operate as an accord and satisfaction without the prior written approval of one of Our 
     senior of?cers. You may not use a postdated check to make a payment. If You do postdate a payment check, We may elect to honor it upon 
     presentment or return it uncredited to the person that presented it, without in either case waiting for the date shown on the check. We are not 
     liable to You for any loss or expense incurred by You arising out of the action We elect to take. You authorize Us to convert your check into a 
     Substitute Check under the law commonly referred to as Check 21. This is converting a check into a copy or electronic format for processing 
     through the check processing system.
     6. Interest Charges. Credit Purchases, Method �G�: Average Daily Balance (including New Purchases). An Interest Charge will be imposed 
     on Credit Purchases only if you elect not to pay the entire New Balance of purchases shown on your monthly statement for the previous 
     billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance of purchases shown on 
     your previous monthly statement within that 25-day period, an Interest Charge will be imposed on the unpaid average daily balance of such 
     Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the 
     current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance 
     of purchases is paid in full or until the date of payment if more than 25 days from the closing date. For Credit Purchases, the Interest Charge 
     for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined 
     by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases 
     is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases 
     posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Interest 
     Charges.
     Cash Advances and Balance Transfers, Method �A�: Average daily balance. The Interest Charge on cash advances begins to accrue on 
     the date you obtain the cash advance or the ?rst day of the billing cycle in which it is posted to your account, whichever is later. For Cash 
     Advances, the Interest Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance, which 
     is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is 
     determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any new Cash 
     Advances received and any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to 
     your account but excluding any unpaid Interest Charges.
     The ANNUAL PERCENTAGE RATE will be assigned based on Your creditworthiness. The Interest Charge will be calculated using one of 
     these ANNUAL PERCENTAGE RATES: (1) by multiplying the average daily balance on your Account by the Monthly Periodic Rate of .9916%, 
     which is an ANNUAL PERCENTAGE RATE of 11.90%;  or (2) by multiplying the average daily balance on your Account by the Monthly 
     Periodic Rate of 1.1583%, which is an ANNUAL PERCENTAGE RATE of 13.90%; or (3) by multiplying the average daily balance on your Ac-
     count by the Monthly Periodic Rate of 1.325%, which is an ANNUAL PERCENTAGE RATE of 15.90%, or (4) by multiplying the average daily 
     balance on your Account by the Monthly Periodic Rate of 1.4916%, which is an ANNUAL PERCENTAGE RATE of 17.9%.
     All interest rates and Interest Charge are subject to change. In the event of an increase in these rates or charges We will provide you at least 
     the minimum notice required by law.
     7. Default. You will be in default if You fail to make any Minimum Payment or other required payment by the date that it is due. You will also be 
     in default if (a) Your ability to repay Us is materially reduced by a change in Your employment, an increase in Your obligations, bankruptcy or 
     insolvency proceedings involving You, Your death or Your failure to abide by this Agreement, (b) You break any promise You have made to Us 
     under this Agreement or any other agreement You have with Us, (c) any statement You have made in this Agreement, in connection with this 
     Agreement or in connection with any other agreement or application You have with Us is not true, or (d) We should otherwise feel insecure in 
     receiving payment of the Account balance for whatever reason. If You are in default, We have the right to demand immediate payment of Your 
     full Account Balance at once without notice to You. If immediate payment is demanded, You agree to continue paying all Interest Charges, 
     until what You owe has been paid, and any security given for Your Account may be applied towards what You owe. In the event of a default, 
     You agree to pay all costs of collecting the amount You owe under this agreement including, if the unpaid balance under this plan is greater 
     than Three Hundred Dollars ($300.00) at the time of collection, reasonable attorney�s fees if the debt is referred for collection to an attorney 
     who is not Our employee and if suit is ?led, court costs.
     8. Using the Card. You may use the card issued to You to make purchases in person, over the internet, by mail or telephone from merchants 
     and others who accept MASTERCARD� cards. In addition, You may obtain cash advances from the Credit Union, from other ?nancial institu-
     tions participating in the MASTERCARD� program and from automated teller machines (ATMs), such as the MASTERCARD� ATM Network, 
     which provide access to the MASTERCARD� system. (Not all ATMs provide such access). You will need to use Your Personal Identi?cation 
     Number (PIN) to obtain a cash advance from an ATM. If You use the Card to purchase �Cash Equivalents�, such as foreign currency, mon-
     ey orders, travelers checks, wire transfers, person to person money transfers, out-of-network bill payments, bets, lottery tickets, or casino 
     gaming chips, or make a balance transfer, We may treat these as cash advances. You agree to comply with all laws when using Your Card. 
     You agree not to use the Card for any illegal activity including Internet gambling. Display of the MASTERCARD� logo does not mean that the 
     online merchant or the activity You are engaging in is legal. You agree to hold Us harmless for any damages or other liability arising from a 
     transaction initiated by You or Your authorized user for the purpose of conducting an illegal activity. We reserve the right to decline authoriza-
     tion of transactions for activities We believe may violate law or pose signi?cant risk to Us. The monthly statement will identify the merchant, 
     electronic terminal or ?nancial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned 
     with the statement. You agree to retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. 
     When available, We may make a reasonable charge for photocopies of slips You request.
     9. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by 
     issuing Us a credit which We will post to Your Account. If Your credits and payments exceed what You owe Us, We will hold and apply this 
     credit balance against future purchases and cash advances, or if it is $1.00 or more, refund it upon Your written request or automatically after 
     6 months.
     10. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign currencies will be billed to You in U.S. 
     Dollars. The exchange rate for transactions in foreign currency will be a rate selected by MASTERCARD� from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MASTERCARD� itself receives, 
     or the government mandated rate in effect for the applicable central processing date, plus any adjustment determined by Us. All transactions 
     in foreign countries or foreign currency will be subject to a 1% conversion or processing fee. We may implement a dollar limit or number of 
     transaction per day limit for foreign transactions. We may also not approve any foreign transactions. We are required by U. S. law to allow 
     transactions made in or involving certain countries. You should contact Us before attempting any foreign transaction.
     11. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant or ?nancial institution to honor Your Card. We are 
     subject to claims and defenses (other than tort claims) arising out of goods or services You purchase with the Card only if You have made a 
     good faith attempt, but have been unable to obtain satisfaction from the plan merchant, and: (a) Your purchase was made in response to an 
     advertisement We sent or participated in sending You, or (b) Your purchase cost more than $50 and was made from a plan merchant in Your 
     state or within 100 miles of Your home. Any other disputes must be resolved directly with the plan merchant by You.
     12. Security Interest. To secure Your Account, You grant Us a purchase money security interest under the Uniform Commercial Code in any 
     goods You purchase through use of the Card. If You are in default, We will have the right to recover any of these goods which have not been 
     paid for through Our application of Your payments. Collateral securing other loans You have with Us may also secure this loan, except that 
     Your home will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement with Us. 
     Except for the purchase money security interest You are granting herein, we are not taking a security interest in any other items which are 
     �household goods� under Federal Reserve Board Regulation AA.
     You pledge all share and/or deposits (including amounts in draft accounts) and payments and earnings thereon which You now or hereafter 
     may have with Us, whether held jointly, individually or in trust, as security for any and all monies advanced or purchases made by use of the 
     Card and any interest accrued thereon. Upon default You authorize Us to take what You owe Us out of any such account (except Individual 
     Retirement Accounts) You have with Us. By use of the card You acknowledge that You have signed a separate security agreement granting a 
     security interest in all shares and/or deposits in the Credit Union (except Individual Retirement Account) including all accounts from which You 
     have a right to withdraw.
     13.Effect of Agreement. This Agreement is the contract which applies to all transactions on Your Account even though the sales, cash ad-
     vance, credit or other slips You sign or receive may contain different terms. We may amend this Agreement at any time without notice, unless 
     notice is required by law. Any amendment to this Agreement will take effect on the day it is mailed, unless advance notice is required by law. 
     Your use of the Card thereafter will indicate Your agreement to the amendments. To the extent the law permits, and We indicate in Our notice, 
     amendments will apply to Your existing Account balance as well as to future transactions. If more than one person executes this agreement 
     or related application or is otherwise liable under this Agreement, each of You will be jointly and severally liable under this Agreement. This 
     means each of You are responsible for the entire amount owed. Each of You authorizes the others to make purchases or cash advances indi-
     vidually or to terminate the Agreement. You cannot transfer Your rights under this Agreement, but Your obligations hereunder shall be binding 
     upon Your heirs, estate, and personal representative.
     14.Statements and Notices. Statements and notices will be mailed to You at the most recent address You have given the Credit Union. Notice 
     sent to any one of You will be considered notice to all of You.
     15.Delay in Enforcement. No delay in enforcement of Our rights under this Agreement will result in any loss of Our rights or relieve You of any 
     of Your obligations.
     16.Invalidity of Provisions and Captions. If any provision of this Agreement is deemed invalid the rest of this Agreement will remain in full 
     force and effect. The paragraph headings are for convenience only and do not form a part of this  Agreement.  This  Agreement and any 
     written modi?cations here to is the contract which applies to all transactions on this Account, regardless of contradictory terms on sales, cash 
     advance, credit or other slips or documents.
     17.Governing Law. TO THE EXTENT NOT PROHIBITED BY LAW, THE TERMS AND CONDITIONS OF THIS AGREEMENT ARE GOV-
     ERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF ALABAMA (WITHOUT REGARD TO ITS CON-
     FLICT OF LAWS PRINCIPLES) AND ANY APPLICABLE FEDERAL LAW REGARDLESS OF WHERE YOU
     RESIDE OR USE YOUR ACCOUNT AT ANY TIME. This choice of law is made because of a strong relationship between this Agreement 
     and Your account with Alabama Credit Union which is located in Alabama, and to insure uniform procedures and interpretation for all of our 
     members, no matter where they reside or use their accounts.
     18.Signatures and Copies of Agreement. By signing the Application, or Card, or use of the Card, You agree to the terms of this Agreement. 
     You should keep the Agreement for Your records. You agree to sign (and if appropriate, have authorized users sign) the card(s) in the place 
     provided for authorized signature.
     19.Negative Information Notice. We may report information about Your account to credit bureaus. Late payments, missed payments, or 
     other defaults on Your account may be re?ected in Your credit report. If Your Account is eligible for emergency cash and/or emergency card 
     replacement services, and You request such service, You agree that We may provide personal information about You and Your account that is 
     necessary to provide You with the requested service.
     20.Ownership of Card. Every Card remains Our property. We have the right to cancel Your Account at any time with or without written notice 
     to You. You must return the card if We ask You to do so. You cannot use the card after it has been cancelled. If a bankruptcy proceeding is 
     commenced by or against You, Your card will be cancelled automatically.
     21. Acceptance of Calls. You agree that if You do not make payments on Your account in accordance with this Agreement, or if We are verify-
     ing Your use of the Card, or otherwise We feel We need to contact You in regards to this Account, You will accept calls from Us regarding Your 
     account. You agree such calls will not be �unsolicited� calls for purposes of any state or federal law. You further agree that any calls made to 
     Us or by Us may be recorded without any further notice to You.
     22. Bene?ts. We may offer a variety of bene?ts, services, or premiums in relation to the Card or Account. Any bene?ts or services are not a 
     part of this Agreement, but are subject to the terms and restrictions outlined in the bene?ts brochure and other of?cial documents provided to 
     You from time to time by or on behalf of Us. We may adjust, add, or delete bene?ts and services at any time and without notice to You.
     23.Access Checks. You agree We will not issue nor honor checks or drafts to access the Account, and You agree You will not create checks 
     or drafts or cash advance requests for this Account.
     24.Transactions After Your Account is Closed. When Your Account is closed, You must contact anyone authorized to charge transactions 
     to Your account, such as health clubs, insurance companies, Internet providers, utilities and others. These transactions may continue to be 
     charged to Your account until You change the billing with these companies, at Our election. Also, if We believe You have authorized a transac-
     tion or are attempting to use Your account after You have requested to close the account, We may allow the transaction to be charged to Your 
     account.
     25. Payment Check Processing. Your paper check may be converted into a one-time electronic funds transfer. We will not electronically 
     debit Your account for a payment, which You did not authorize; however, You authorize an electronic transfer each time You send Us a paper 
     check. Your payment may appear on Your bank statement as an �ACH� transaction with Your check number, the payment amount, and Our 
     name. The check will not be returned to You. Your funds may be withdrawn on the same day We receive Your payment.
     26.Payment Holidays. We may allow You, from time to time, to skip a monthly payment or make a reduced payment. We will notify You when 
     these options are available. If You choose to avail Yourself of these opportunities, Interest Charges, applicable fees, and other regular trans-
     actions, if any, will accrue on Your Account in accordance with this Agreement. The reduced payment amount may be less than Your Interest 
     Charges. If We offer the option of a reduced payment, such payment will have to be made on its due date or it will be subject to a late charge. 
     You must resume making Your regular Minimum Payment each month following a payment holiday or reduced payment option.
     27.MASTERCARD� Rules and Regulations. The services provided to You under this Agreement are made possible by Alabama Credit 
     Union�s status as a licensee of MASTERCARD� U.S.A. You recognize Alabama Credit Union�s responsibility to comply with the current MAS-
     TERCARD� U.S.A. rules and regulations and changes to them in order to continue to provide these services.
     28.You should keep this Agreement. This is the legal contract regarding Your use of the Account or Card which may be issued to You.
     29. Addresses. Addresses for payments shall be shown on your Statement. Any inquiries by You should be made to the address shown on 
     Your statement after the phrase �Send Inquiries To:� The terms of this Agreement are current as of the Printed date herein. This information 
     may be changed at any time after its printing. To ?nd out what may have changed after the Printed date, You should contact Us at: 220 Paul 
     Bryant Drive, Tuscaloosa, AL 35401, or call at 888.817.2002.
     YOUR BILLING RIGHTS
     KEEP THIS NOTICE FOR FUTURE USE
     This notice contains important information about Your rights and Our responsibilities under the Fair Credit Billing Act.
     NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR LOAN ACCOUNT STATEMENT.
     If You think Your statement is wrong, or if You need more information about a transaction on Your statement, write to Us on a separate sheet 
     at the address listed on Your statement. Write to Us as soon as possible. We must hear from You no later than 60 days after We sent You the 
     ?rst statement on which the error or problem appeared. You can telephone Us, but doing so will not preserve Your rights.
     In Your letter, give Us the following information: *Your name and account number. *The dollar amount of the suspected error. *Describe the 
     error and explain, if You can, why You believe there is an error. If You need more information, describe the item You are not sure about.*
     If You have authorized Us to pay Your loan account automatically from Your savings or share draft account, You can stop the payment on any 
     amount You think is wrong. To stop the payment Your letter must reach Us three business days before the automatic payment is scheduled to 
     occur.
     YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.
     We must acknowledge Your letter within 30 days, unless We have corrected the error by then. Within 90 days, We must either correct the 
     error or explain why We believe the statement was correct.
     After We receive Your letter, We cannot try to collect any amount You question, or report You as delinquent. We can continue to send state-
     ments to You for the amount You question, including Interest Charges, and We can apply any unpaid amount against Your credit limit. You do 
     not have to pay any questioned amount while We are investigating, but You are still obligated to pay the parts of Your statement that are not in 
     question.
     If We ?nd that We made a mistake on Your statement, You will not have to pay any Interest Charges related to any questioned amount. If 
     We didn�t make a mistake, You may have to pay Interest Charges, and You will have to make up any missed payments on the questioned 
     amount. In either case, We will send You a statement of the amount You owe and the date it is due.
     If You fail to pay the amount that We think You owe, We may report You as delinquent. However, if Our explanation does not satisfy You and 
     You write to Us within ten (10) days telling Us that You still refuse to pay, We must tell anyone We report You to that You have a question 
     about Your statement. And, We must tell You the name of anyone We reported You to. We must tell anyone We report You to that the matter 
     has been settled between Us when it ?nally is.
     If We don�t follow these rules, We can�t collect the ?rst $50 of the questioned amount, even if Your statement was correct. 
     SPECIAL RULE FOR CREDIT CARD PURCHASES.
     If You have a problem with the quality of property or services that You purchased with a credit card, and You have tried in good faith to correct 
     the problem with the merchant, You may have the right not to pay the remaining amount due on the property or services. There are two limita-
     tions on this right: (a) You must have made the purchase in Your home state or, if not within Your home state, within 100 miles of Your current 
     mailing address; and (b) The purchase price must have been more than $50.00.
     These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed You the advertisement for property or ser-
     vices.
     The following notices may apply to You. Their placement as notices herein do not indicate that these States have any jurisdiction over this 
     Agreement.
     Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy cus-
     tomers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commis-
     sion administers compliance with this law.
     Notice to California Residents: If You are a  married applicant, You may apply for credit in Your own name.
     Married Wisconsin Residents Only: No provision of any marital property agreement, unilateral statement, or court order applying to marital 
     property will adversely affect a creditor�s interests unless, prior to the time credit is granted, the creditor is furnished a copy of the agreement, 
     statement, or court order, or has actual knowledge of the provision.
     Notice to New York Residents: You may contact the New York State Banking Department at 877-BANK NYS (1-877-226-5697) to obtain a 
     comparative listing of credit card rates, fees, and grace periods.
          Select your card Design
       By signing below I agree to the terms and conditions set forth in this credit agreement, and understand that any credit card balance 
       transferred from an existing credit card held with Alabama Credit Union will result in the balance being transferred subject to the 
       terms set forth in this agreement.
       ACTION � THIS SECTION MUST BE COMPLETED BEFORE 
                                          Interest Rates and Interest Charges 
         ALABAMA CU CAN PROCESS YOUR APPLICATION.
                                                    Based on your creditworthiness
       Printed Name of Applicant  
                                          Annual Percentage 
       Account Number of Applicant   
                                          Rate (APR) for  17.9% 15.9% 13.9% 11.9%
                                          Purchase
                                          APR for Balance 
                                          Transfers  17.9%  15.9%  13.9%  11.9%
        To secure your Account, you grant us a purchase money security 
        interest under the Uniform Commercial Code in any goods you  APR for Cash 
        purchase through use of the Card. If you default, we will have the  Transfers 17.9% 15.9% 13.9% 11.9%
        right to recover any of these goods, which have not been paid for 
        through our application of your payments. You pledge all shares and  Penalty APR and 
                                                       None   None   None  None
        /or deposits (including amounts in draft accounts) and payments and  When It Applies
        earnings thereon which you now or hereafter may have with us, whether 
                                                     Your due date is at least 25 days after the close of 
        held jointly, individually, or in trust, as security for any and all monies  How to Avoid 
                                                     each billing cycle. We will not charge you interest on 
        advanced or purchases made by the use of the Card and interest  Paying Interest on 
                                                     purchases if you pay your entire balance by the due 
        accrued thereon. Your authorize us to take what you owe us out of any  Purchases
                                                              date each month. 
        account (except Individual Retirement Accounts) you have with us. Your 
        signature below this section indicates your agreement to this security  Minimum Interest 
                                                       None   None   None  None
               interest and the terms of the section. Charge
                                          For Credit Card  To learn more about factors to consider when 
        X
        Signature of Applicant   Date     Tips from the  applying for or using a credit card, visit the website of 
                                          Federal Reserve  the Consumer Financial Protection Bureau at www.
                                          Board           consumer?nance.gov/learnmore
        X
        Signature of Co-Applicant (if applicable)   Date
                                          Fees
       You authorize us to make whatever credit inquiries that we deem  Annual Fee None None None  None
       necessary in connection with this credit card application or in the 
       course of review or collection of any credit extended in reliance on 
       this application. You authorize and instruct any person or consumer  Transaction Fees None None  None None
       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  Penalty Fees: 
                                                       $20    $20    $20    $20
       information, along with this application, shall remain our property whether  (NSF)
       or not credit is granted. You agree to be bound by the MasterCard �  Credit 
       Card Agreement governing you Account(s). By signing below, you certify  (Late Payment Fee) $20 $20 $20 $20
       that the information provided herein by you is complete and true, and is 
             furnished for the purpose of obtaining credit. Other Fees  
                                                       None   None   None   None
                                          (Over-Limit Fee)
       CAUTION � IT IS IMPORTANT THAT YOU THOROUGHLY 
          READ THE CONTRACT BEFORE YOU SIGN IT.
                                          How We Will Calculate Your Balance: We use a method called �Average daily 
       X
                                          balance (including new purchases)�
       Signature of Applicant   Date
                                          The information about the costs of the cards described in this application 
       X                                  is accurate as of October, 2015. This information may have changed 
       Signature of Co-Applicant (if applicable)   Date
                                          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 and credit of the United States Government..