The SU(3) X U(2) limit of the vibron-fermion model introduced recently by us as an algebraic approach to cluster states in odd-mass nuclei is developed further. The electromagnetic transition operators T(E2), T(M1) and T(E1) are constructed, together with the one-nucleon transfer operators. Experimental data available for the alpha-cluster states of the F-19 nucleus are analyzed in terms of our model to test its applicability. It is found that, although some quantities are not reproduced very well, the overall performance of the model is satisfactory. Furthermore, the phenomenological operators introduced here are able to describe the most intensive transitions in the lowest order; while introducing higher-order (two- or three-body) terms they also qualitatively give account of the less intensive transitions.