b'TCU VISA Platinum Rewards Credit Card Account Agreement\nThis TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights\nand obligations and ours under your Teachers Credit Union Platinum Credit Card Account ("Account"). Please read it carefully and\nretain it for future reference; it contains the terms that will govern your Account. In this Agreement, the applicant, co-applicant, and\nany other person you authorize to use the account will be referred to as "you", "your", and "yours". There are two parts to this TCU\nVisa Platinum Rewards Credit Card Agreement: TCU Visa Platinum Rewards Credit Card Account and the TCU Visa Platinum\nRewards Credit Card Account Agreement. The TCU Visa Platinum Rewards Credit Card Account shows a range of terms that\nincludes both mail and online offers for new accounts available under this Agreement as of October 1, 2018. The combination of\nterms that could apply to you will differ depending on the specific card offer and on your creditworthiness at the time of application.\nNot all offers will contain introductory rates. The TCU Visa Platinum Rewards Credit Card Agreement contains important\ninformation related to consumer credit cards issued by TCU. Teachers Credit Union, or its agents, authorized representatives,\nsuccessors or assignees, will be referred to as "we", "our", and "us". This Agreement becomes binding at the time you apply for the\nAccount, use the Account, accept or sign a credit card issued on the Account, whichever event occurs first, not upon signatures to the\napplication or agreement.\nPromise to Pay: You promise to pay us, or our assigns, or to our order (in lawful money of the United States of America) the total\namount of all transactions that you make on your Account. You also promise to pay the total amount of all transactions that others\nmake on your Account with your permission, even if the amount transacted exceeds that which you had authorized. In addition, you\npromise to pay all other finance charges or interest, expenses, fees, or other fees that may be added from time to time, as provided\nfor in this Agreement that become due on your Account.\nCredit Limit: The credit limit for your Account will appear on your billing statement. You promise that you and others using your\nAccount will not make transactions on your Account in an amount that exceeds your credit limit. You also promise to pay us the\namount of any transactions on your account in excess of your credit limit, including interest, as we may require. Except as may be\nlimited by applicable law, we, in our sole discretion, may increase or decrease your credit limit by any amount. We also may refuse to\nextend additional credit for any transaction if you have reached your credit limit or if you are in default (as defined below).\nMinimum Monthly Payment: Each month, by the 28th day of the month (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d) you must pay us at least the ("Minimum\nMonthly Payment") shown on your Account Statement for the Billing Cycle. The Minimum Monthly Payment will be equal to the\nfollowing:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\n2% of your New Balance, or $25.00, whichever is greater; plus, any amount Past Due\nRounding. The Minimum Monthly Payment will be rounded up to the highest $1.00\nPayment of balance. If your Loan Account Balance at the end of a Billing Cycle is less than $25.00, your Minimum Payment\nwill be equal to the entire outstanding Loan Account Balance.\nYou may pay off all or part of what you owe at any time. If you pay more than the Minimum Payment amount, you must\ncontinue to make your periodic minimum payments as otherwise required by this Credit Card Agreement.\n\nUnless otherwise agreed or required by applicable law, your payments may be applied to what you owe us in any manner we choose.\nHowever, in every case, in the event you make a payment in excess of the required Minimum Monthly Payment, we will allocate the\nexcess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in\ndescending order based on the applicable annual percentage rates.\nRecurring payments: Visa has mandated that if you choose to store your account information with any third parties, we may also\nshare updates to this information with these third parties. Please note that this only applies to third parties with whom you elect to\nshare this information. You may opt out of this, however, if you chose to do so, it will be for ALL recurring transactions, not just one.\nAdvances: There are three types of transactions that you can make on your Account: Purchases, Balance Transfers or Cash\nAdvances. You make a Purchase when you use your credit card to buy goods or services, these transactions will be posted to the\nPurchase segment of your Account Statement. You make a Balance Transfer when you transfer a balance on another credit card to\nthis Account. Balance Transfers will be posted in the Purchase Transaction segment of your Account Statement unless shown\nseparately. Balance Transfers to another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not\npermitted on the TCU Platinum Reward card. You make a Cash Advance Transaction when you use your credit card to obtain cash\nor cash equivalents. Cash equivalents include: ATM transactions, wire transfers, travelers\xe2\x80\x99 checks, money orders, foreign currency,\nlottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account statement. You\nagree that we may charge your credit card Account for the amount of each transaction made on your Account. This paragraph shall\nnot be interpreted as permitting or authorizing any transaction that is illegal.\nBilling Cycle: The term \xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the interval between the days or dates of the regular Account Statements, which may\nvary in length, but is approximately 30 days. The specific period of time is described on each Account Statement. However, you will\nhave a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date\noccurs as provided on the Statement. For example, a \xe2\x80\x9cMarch Billing cycle\xe2\x80\x9d will have a closing date in March. We may also refer to a\nBilling Cycle as the \xe2\x80\x9cBilling Period.\xe2\x80\x9d If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account.\nInterest (Finance) Charges\nInterest (Finance) Charge Calculation Method for Credit Purchases. The interest (finance) charges on merchant or credit\npurchase transactions (\xe2\x80\x9cPurchase Transactions\xe2\x80\x9d) begin to accrue on the transaction date. The interest (finance) charges for a Billing\nCycle are computed by applying the daily periodic rate to the average daily balance (for Purchase Transactions) multiplied by the\nnumber of days in the Billing Cycle. The average daily balance is determined by dividing the sum of the daily balances during the\nBilling Cycle, by the number of days in the Billing Cycle. To get the daily balance we start with the beginning balance of your Account\neach day (for Purchase Transactions) to which we add all new purchases and any other debits and subtract the amount of payments\nand credits to your Account. Then we total the daily balances (for Purchase Transactions) for each day of the Billing Cycle and divide\nthe result by the number of days in the Billing Cycle. This gives us the Average Daily Balance of your Account (for Purchase\nTransactions) for the Billing Cycle.\nVariable Annual Percentage Rate (APR) for Credit Purchases. We will charge Interest Charges and Fees to your Account as\ndisclosed on your Statement and other Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs.\nHowever, we will not charge you interest on any new transactions posted to the purchase Segment of your Account if you paid the\ntotal balance across all Segments of your Account in full by the due date on your Statement each month. From time to time, we may\ngive you offers that allow you to pay less than the total balance and avoid Interest Charges on new purchase Segment transactions.\nIf we do, we will provide details in the specific offer.\nWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\n\n\x0cInterest (Finance) Charges Calculation Method for Balance Transfers. The interest (finance) charges on Balance Transfer\nTransactions (\xe2\x80\x9cBalance Transfer Transactions\xe2\x80\x9d) begin to accrue on the transaction date. The interest (finance) charges for a Billing\nCycle are computed by applying the daily periodic rate to the average daily balance (for Balance Transfer Transactions) multiplied by\nthe number of days in the Billing Cycle. The average daily balance is determined by dividing the sum of the daily balances during the\nBilling Cycle, by the number of days in the Billing Cycle. To get the daily balance we start with the beginning balance of your Account\neach day (for Balance Transfer Transactions) to which we add all new Balance Transfer Transactions and any other debits and\nsubtract the amount of payments and credits to your Account. Then we total the daily balances, (for Balance Transfer Transactions)\nfor each day of the Billing Cycle and divide the result by the number of days in the Billing Cycle. This gives us the Average Daily\nBalance of your Account (for Balance Transfer transactions) for the Billing Cycle.\nVariable APR for Balance Transfers. We will charge Interest Charges and Fees to your Account as disclosed on your Statement\nand other Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge\nyou interest on any new transactions posted to the purchase Segment of your Account if you paid the total balance across all Segments\nof your Account in full by the due date on your Statement each month. From time to time, we may give you offers that allow you to\npay less than the total balance and avoid Interest Charges on new purchase Segment transactions. If we do, we will provide details\nin the specific offer.\nWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\nInterest (Finance) Charges for Cash Advances. The interest (finance) charges on Cash Advance Transactions begin to accrue on\nthe date you obtain the Cash Advance or the first day of the Billing Cycle in which it is posted to your Account, whichever is later. The\ninterest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for Cash\nAdvance Transactions) multiplied by the number of days in the Billing Cycle. The average daily balance is determined by dividing the\nsum of the daily balances during the Billing Cycle, by the number of days in the Billing Cycle. To get the daily balance we start with\nthe beginning balance of your Account each day (for Cash Advance transactions) to which we add all new Cash Advance transactions\nand any other debits and subtract the amount of payments and credits to your Account. Then we total the daily balances (for Cash\nAdvance transactions) for each day of the Billing Cycle and divide the result by the number of days in the Billing Cycle. This gives us\nthe Average Daily Balance of your Account (for Cash Advance transactions) for the Billing Cycle.\nVariable APR for Cash Advances. We will charge Interest Charges and Fees to your Account as disclosed on your Statement and\nother Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you\ninterest on any new transactions posted to the purchase Segment of your Account if you paid the total balance across all Segments\nof your Account in full by the due date on your Statement each month. From time to time, we may give you offers that allow you to\npay less than the total balance and avoid Interest Charges on new purchase Segment transactions. If we do, we will provide details\nin the specific offer.\nWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\nMinimum Interest (Finance) Charge. If you are charged interest (finance charges), the charge will be no less than $.50.\nHow to Avoid Paying Interest (Finance) Charges on New Purchase Transactions. You can avoid Finance Charges on new\npurchases by paying the full amount of the entire balance owed each month within 25 days of your statement closing. This is called\na grace period on new purchases. Otherwise, the new balance of purchase, and subsequent purchases from the date they are\nposted to your account, will be subject to a Finance Charge. There\xe2\x80\x99s no grace period on balance transfers and cash advances.\nCash advances and balance transfers are always subject to a Finance Charge from the date they are posted to your account.\nVariable Rate Index. The annual percentage rate may change and will be based on the value of an index plus a margin. The index\nis the Prime Rate published in the Money rates column of the Wall Street Journal, as published on the fifth day of the month prior to\nthe change dates. If the Journal is not published on that day, then see the immediately preceding (\xe2\x80\x9cIndex\xe2\x80\x9d). The change dates will\noccur quarterly on the 1st day of January, April, July and October billing periods (\xe2\x80\x9cChange Dates\xe2\x80\x9d).\nRate Changes. The annual percentage rate may increase if the Index rate increases. An Index rate increase will result in a higher\ninterest charge and it may have the effect of increasing the amount of time required to repay the outstanding balance. An Index rate\ndecrease will result in a lower interest rate charge and it may have the effect of decreasing the amount of time required to repay the\noutstanding balance. The annual percentage rate can increase or decrease on the Change Dates. An Index rate increase or decrease\nwill take effect on the first day of the billing cycle. If the Index rate changes more frequently that the annual percentage rate, we will\nuse the Index rate in effect on the day we adjust the annual percentage rate to determine the new annual percentage rate. In such a\ncase, we will ignore any changes in the Index rate that occur between annual percentage rate adjustments.\nRate Change Limitations. Any percentage rate changes are subject to the following limitations: during the term of this Account the\nmaximum interest rate is the lesser of 21%, or the maximum annual percentage rate allowed by applicable law.\nFees and Charges\nLate Charge: You will pay a $19.00 late charge if we do not receive your Minimum Monthly Payment within 10 days after the Payment\nDue Date shown on your billing statement. This fee may change pursuant to Indiana Code 24-4.5-1-106 and 24-4.5-3-203.5. For\nMichigan residents the fee is the greater of $15.00 or 5% of the minimum payment.\nReturned Check Charge: We may charge you $25.00, each time your payment, check, draft, or similar item is returned for any\nreason, by your bank or financial institution for nonpayment.\nConvenience Fees: At your request, we may pass along convenience charges, such as; expedited mailing of your credit card or\nbalance transfer checks up to $26.00\nStop payment fees: We may charge you $18.00 for a stop payment placed on a balance transfer check initiated by you, or a stop\npayment on a convenience check written by you.\nBalance Transfer fees: We will charge you $5 or 5% per transaction, whichever is greater. The fee will be charge to your credit card\naccount.\n\n\x0cCredit Insurance \xe2\x80\x93 Payment Protection Plan\nCredit Insurance - Payment Protection Plan. Payment Protection plans from Central States Indemnity Co of Omaha. Open\nenrollment for this product is marketed to you upon the opening of your account and again every April and October.\nFor more information, Central States Indemnity can be reached at P.O. Box 34888, Omaha NE 68134 or 1-800-445-6500\n\nOther Terms and Conditions:\nYou may be eligible to add your TCU Visa\xc2\xae Platinum Credit Card to Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2.\nApple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 allows you to conveniently make purchases with your device wherever Visa\xc2\xae\ncontactless payments are accepted.\nPlease Note: In your Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 account, you will see a unique device account number listed\nunder your TCU Visa\xc2\xae. This number improves security because it\xe2\x80\x99s only used with your device. Use this number whenever an Apple\nPay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 merchant asks for the last 4 digits of your card number. Pay with Apple Pay\xe2\x84\xa2, Google\nPay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 at participating merchants displaying the Apple\xc2\xae or Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2\nsymbols.\nAdditionally, Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 can be used with participating merchants displaying the Apple Pay\xe2\x84\xa2,\nGoogle Pay\xe2\x84\xa2 and Samsung Pay\xe2\x84\xa2 button when you\xe2\x80\x99re shopping with an app.\nApple Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cAplPay\xe2\x80\x9d on your statements.\nGoogle Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cAPI\xe2\x80\x9d on your statements.\nSamsung Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cSamsung Pay\xe2\x80\x9d on your statements.\nPlease note that you may need to accept additional terms and conditions before accepting and using Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2,\nand Samsung Pay\xe2\x84\xa2.\nThe storage and usage of your TCU Visa\xc2\xae Platinum card or TCU Platinum Rewards card information (credentials corresponding to\nyour TCU Visa\xc2\xae Platinum card or TCU Platinum Rewards card account number) in this digital wallet are subject to the TCU Visa\xc2\xae\nPlatinum card or TCU Visa\xc2\xae Platinum Rewards card Terms and Conditions, as amended from time to time. Please contact Teachers\nCredit Union Member Call Center at 1-800-552-4745 for additional information.\nYou may sign up for alerts on your mobile devices to get an alert when certain transactions are processed, such as international, fuel,\nor online purchases. *Standard text messaging and data rates may apply.\nYou agree not to attempt to log on to any Website and make purchases using your TCU Visa \xc2\xae Platinum Rewards Credit Card from\nany country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under\nsanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to these Websites and make\npurchases from one of these countries may result in your access to your TCU Visa \xc2\xae Platinum Rewards Credit Card being restricted\nand/or terminated.\nRewards Program. You may earn a 1.5% Rebate (\xe2\x80\x9cRewards\xe2\x80\x9d) on your Net Purchase Transactions, which is the amount of your\nPurchase transactions for goods or services, less any purchase refunds. Rewards are not earned on Cash Advance or Balance\nTransfer transactions. The accrued Rewards will be shown on your monthly billing statement and the Rewards will be credited to your\nAccount, annually, in October. Rewards may not be redeemed for cash or services and we may revoke your Rewards, at any time, if\nyou exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. We reserve the right to\namend this Rewards Program, at any time, upon notice.\n\nCommissions. You understand and agree that we (or our affiliate) will earn commissions or fees on any insurance products and may\nearn such fees on other services that you buy through us or our affiliate.\nSecurity. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan you\nmay have with us will secure all amounts you owe us now and in the future if that status is reflected in the \xe2\x80\x9cTruth-in-Lending Disclosure.\nSignature Requirement: You agree to sign the back of your credit card as soon as you receive it and any use of the card by the\nborrower(s) or authorized user(s) indicates his/her consent to the terms of this agreement.\nChange of Personal Information: You agree to notify us in writing immediately if you change your name, home, or mailing address,\nor daytime telephone number.\nCredit Information: You agree that we may re-examine and re-evaluate your creditworthiness at any time. You authorize us to obtain\nfrom time to time information from others, such as stores and credit reporting agencies, concerning you and your credit accounts. You\nalso authorize us to respond from time to time to requests from others for credit or experience information about you and your Account.\nLost or Stolen Card or Unauthorized Use: You agree to notify us immediately if any card issued on your Account is ever lost or\nstolen or used in a manner not authorized by you. You can notify us by calling the phone number on your billing statement. You also\nagree to assist us in determining the facts and circumstances relating to any such unauthorized uses.\nLiability for Unauthorized Use: You may be liable for the unauthorized use of any of your credit cards. You will not be liable for\nunauthorized use that occurs after you notify us that any of your cards have been lost or stolen, or are being used without your\nauthorization. In the case of unauthorized use occurring before you notify us, you may be liable for up to $50.\nAge Requirement: You must be 18 years of age to apply; applicants between the ages of 18 and 21 must have the independent\nability to make the required Minimum Monthly Payment, as described above; or has a signed agreement, by a cosigner, guarantor, or\njoint applicant, who is at least 21 years old, to be either secondarily liable for the amounts due on this credit card account, and we\nhave determined that such cosigner, guarantor, or joint applicant has the independent ability to make the required Minimum Monthly\nPayments.\xe2\x80\x9d\nJoint and Several Liability: Each person who signed your Credit Card Application and each person who uses your Account will be\nindividually liable for all credit extended on the Account. All such persons will be liable as a group as well. This means that we can\ncollect from or sue any one of them without giving up any of our rights against the others. Upon receiving a request from any party to\nyour Account or receiving inconsistent instructions from different parties to your Account, we, at our sole option and without notice to\nany other party, may cancel your Account or refuse any request with respect to your Account, including a request for credit.\nDefault: If you fail to comply with any of the terms or conditions of this Agreement or any other loan agreement you have with us or\nanyone else, you will be in default. We will consider you to be in default if we determine that there has been a substantial adverse\neffect (insolvency) on your ability to repay the debt incurred on this account, you become incapacitated, upon your death, or if you file\na bankruptcy petition or have one filed against you, or if we believe in good faith that you may not be able to perform your obligations\nunder this Agreement.\nOur Rights Upon Your Default: If you are in default, we may at our option to the extent permitted by law do any of the following,\nwithout notice:\n\xef\x82\xb7\n\nWe may terminate the credit card account and make all or any part of the amount owing by the terms of this Agreement\n\n\x0c\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nimmediately due.\nWe may temporarily or permanently prohibit any additional advances on the Account.\nWe may temporarily reduce the Credit Limit.\nWe may make a claim for any and all insurance benefits or refunds that may be available on your default.\nWe may use any and all remedies we have under applicable law or any agreement securing this Agreement.\n\nExcept as otherwise required by law, by choosing a remedy we do not give up our right to use another remedy. We do not waive a\ndefault if we choose not to use a remedy. By electing not to use any remedy, we do not waive our right to later consider the event a\ndefault and to use any remedies if the default continues or occurs again.\nCross Default: You understand and agree that any breach or default of the terms and conditions of this Agreement shall also be\ndeemed to be a default of any and all other loan, line of credit account and credit card agreements you now have with us or obtain in\nthe future with us. Further, you understand and agree that your breach or default of the terms and conditions of any other loan, line of\ncredit account or credit card agreements you now have with us or obtain in the future with us shall be deemed to be a default of the\nterms and conditions of this Agreement. This \xe2\x80\x9cCross Default\xe2\x80\x9d agreement shall not apply to any loan, line of credit account or credit\ncard agreement by real property or where otherwise prohibited by Federal or State Law or Regulation.\nCollection Costs. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, you\nagree to pay all court costs, private process serve fees, investigation fees or other costs incurred in collection and reasonable\nattorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed under this Agreement.\nClosure of Account: Even if you are not in default, we may close your Account or suspend your credit privileges at any time without\nprior notice. If your Account is closed, you are obligated to pay the outstanding balance, any interest (finance) charges, and all other\ncharges, fees, and costs that are or become due on your Account. You must also return your credit card to us if asked to do so.\nChange of Terms: We may change the terms of this Agreement by mailing or delivering to you written notice of the changes as\nprescribed by the Federal Truth-in-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement\nincludes, but is not limited to, the right to change the periodic rate. We may also add new terms, conditions, services, or features to\nyour Account. To the extent required by law, we will notify you in advance of any change in terms by mailing a notice to you at your\naddress as shown on our records.\nMerchants and Your Card: We are not responsible or liable for anyone\'s refusal to honor your card or for anyone\'s retention of your\ncard.\nPayments Marked "Paid in Full": We may accept checks, money orders, or other types of payment marked "payment in full" or using\nother language to indicate full satisfaction of indebtedness, without our being bound by such language or waiving any rights under this\nAgreement. Full satisfaction of indebtedness shall be accepted by us only in a written agreement, signed by one of our authorized\nemployees.\nForeign Currency Transaction: You agree that we may convert any charge or credit made to your Account in currency other than\nU.S. dollars into U.S. dollars following our own procedures for determining the exchange rate, and charge or credit your Account for\nthe U.S. dollar amount. The amount determined by following our own procedures may be the same as, greater than, or less than the\namount that would be calculated by conversion on the date when the transaction was actually initiated.\nIllegal Transactions: You warrant and agree that the Credit Card, other access device or any related account will not be used to\nmake or facilitate any illegal transactions(s) as determined by applicable law: and that any such use, including any such unauthorized\nuse, will constitute an event of default under this Agreement. We may decline to accept, process or pay any transaction that we\nbelieve to be illegal or unenforceable (regarding your obligation to pay us) under applicable law, including but not limited to any\ntransaction involving or relating to any gambling activity. Certain federal and or state laws such as the Unlawful Internet Gambling\nEnforcement Act or Third Party Service Providers\xe2\x80\x99 Rules may limit or prohibit certain transactions such as (but not limited to) those\ncoded as possible gambling transactions. Such prohibition or limitations may affect some otherwise proper or allowable transactions\nsuch as debits, charges or other transactions at or relating to a hotel-casino. You further understand and agree that such limitations\nare not in our control and we will have no liability for the enforcement of this provision.\nATM Transactions. Withdrawals at ATM machines may be made using your Credit Card and personal identification number. Cash\nwithdrawals may not exceed $500.00 per calendar day. Except as otherwise provided in this Agreement, advances through ATM\naccess will be treated as a Cash Advance. Owners of ATMs that we do not own may charge fees in addition to any fees described in\nthis Agreement. This is not a fee charged by Teachers Credit Union; however, any such fee will be added to your Account. The party\ncharging the fee is required to provide appropriate disclosures to you with regard to any such fees.\nWaivers: We may waive or decline to enforce any of our rights under this Agreement without affecting any of our other rights. To the\nextent not prohibited by law and except for any required notice of right to cure for the failure to make a payment, you waive protest,\npresentment for payment, demand, notice of acceleration, notice of intent to accelerate and notice of dishonor.\nTermination. Either you or we may, unless prohibited by law, terminate this Account at any time by giving written notice to the other.\nTermination by any one of you terminates the Account for all of you. Termination will not affect your obligation to repay advances\nmade prior to the termination, in accordance with the terms of this Agreement.\nFinancial Reports and Additional Documents. You will provide facts to update information contained in your original Credit Card\nApplication or other information related to you, at our request. You also agree that we may, from time to time, as we deem necessary,\nmake inquires pertaining to your employment, credit standing and financial responsibility in accordance with applicable laws and\nregulations.\nGoverning Law: This Agreement and your Account, as well as our rights and duties and your rights and duties regarding this\nAgreement and your Account, will be governed by and interpreted in accordance with federal law to the fullest extent possible and to\nthe extent federal law does not apply, in accordance with Indiana law, regardless of where you live and use your Account, or as may\nbe required by the Military Lending Act. This Agreement is made in Indiana. All credit will be extended from Indiana.\nSeverability: Should any provision of this Credit Card Agreement be determined to be invalid or unenforceable, that determination\nwill not affect the validity or enforceability of any other provision.\nLiability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your\ncard, you should write to us immediately at: Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 336313112, or call us at 877-271-8328.\n\n\x0cYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCustomer Service, P. O. Box 31112, Tampa, FL 33631\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest (finance charges) on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest (finance charges) or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest (finance\ncharges) and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nTeachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nThis Disclosure Current as of January 15, 2019 TCU Form #PR 01152019\n\n\x0c'


b'TCU VISA Platinum Credit Card Account Agreement\nThis TCU \xc2\xaeVISA Platinum Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and\nobligations and ours under your Teachers Credit Union Platinum Credit Card Account ("Account"). Please read it carefully and retain\nit for future reference; it contains the terms that will govern your Account. In this Agreement, the applicant, co-applicant, and any other\nperson you authorize to use the account will be referred to as "you", "your", and "yours". There are two parts to this TCU Visa Platinum\nCredit Card Agreement: TCU Visa Platinum Credit Card Account and the TCU Visa Platinum Credit Card Account Agreement.\nThe TCU Visa Platinum Credit Card Account shows a range of terms that includes both mail and online offers for new accounts\navailable under this Agreement as of October 1, 2018. The combination of terms that could apply to you will differ depending on the\nspecific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The TCU Visa\nPlatinum Credit Card Agreement contains important information related to consumer credit cards issued by TCU. Teachers Credit\nUnion, or its agents, authorized representatives, successors or assignees, will be referred to as "we", "our", and "us". This Agreement\nbecomes binding at the time you apply for the Account, use the Account, accept or sign a credit card issued on the Account, whichever\nevent occurs first, not upon signatures to the application or agreement.\nPromise to Pay: You promise to pay us, or our assigns, or to our order (in lawful money of the United States of America) the total\namount of all transactions that you make on your Account. You also promise to pay the total amount of all transactions that others\nmake on your Account with your permission, even if the amount transacted exceeds that which you had authorized. In addition, you\npromise to pay all other finance charges or interest, expenses, fees, or other fees that may be added from time to time, as provided\nfor in this Agreement that become due on your Account.\nCredit Limit: The credit limit for your Account will appear on your billing statement. You promise that you and others using your\nAccount will not make transactions on your Account in an amount that exceeds your credit limit. You also promise to pay us the\namount of any transactions on your account in excess of your credit limit, including interest, as we may require. Except as may be\nlimited by applicable law, we, in our sole discretion, may increase or decrease your credit limit by any amount. We also may refuse to\nextend additional credit for any transaction if you have reached your credit limit or if you are in default (as defined below).\nMinimum Monthly Payment: Each month, by the 28th day of the month (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d) you must pay us at least the ("Minimum\nMonthly Payment") shown on your Account Statement for the Billing Cycle. The Minimum Monthly Payment will be equal to the\nfollowing:\n\xef\x82\xb7\n\n2% of your New Balance, or $25.00, whichever is greater; plus, any amount Past Due\n\n\xef\x82\xb7\n\nRounding. The Minimum Monthly Payment will be rounded up to the highest $1.00\n\n\xef\x82\xb7\n\nPayment of balance. If your Loan Account Balance at the end of a Billing Cycle is less than $25.00, your Minimum Payment\nwill be equal to the entire outstanding Loan Account Balance.\n\n\xef\x82\xb7\n\nYou may pay off all or part of what you owe at any time. If you pay more than the Minimum Payment amount, you must\ncontinue to make your periodic minimum payments as otherwise required by this Credit Card Agreement.\n\nUnless otherwise agreed or required by applicable law, your payments may be applied to what you owe us in any manner we choose.\nHowever, in every case, in the event you make a payment in excess of the required Minimum Monthly Payment, we will allocate the\nexcess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in\ndescending order based on the applicable annual percentage rates.\nRecurring payments: Visa has mandated that if you choose to store your account information with any third parties, we may also\nshare updates to this information with these third parties. Please note that this only applies to third parties with whom you elect to\nshare this information. You may opt out of this, however, if you chose to do so, it will be for ALL recurring transactions, not just one.\nAdvances: There are three types of transactions that you can make on your Account: Purchases, Balance Transfers or Cash\nAdvances. You make a Purchase when you use your credit card to buy goods or services, these transactions will be posted to the\nPurchase segment of your Account Statement. You make a Balance Transfer when you transfer a balance on another credit card to\nthis Account. Balance Transfers will be posted in the Purchase Transaction segment of your Account Statement unless shown\nseparately. Balance Transfers to another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not\npermitted on the TCU Platinum card. You make a Cash Advance Transaction when you use your credit card to obtain cash or cash\nequivalents. Cash equivalents include: ATM transactions, wire transfers, travelers\xe2\x80\x99 checks, money orders, foreign currency, lottery\ntickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account statement. You agree\nthat we may charge your credit card Account for the amount of each transaction made on your Account. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that is illegal.\nBilling Cycle: The term \xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the interval between the days or dates of the regular Account Statements, which may\nvary in length, but is approximately 30 days. The specific period of time is described on each Account Statement. However, you will\nhave a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date\noccurs as provided on the Statement. For example, a \xe2\x80\x9cMarch Billing cycle\xe2\x80\x9d will have a closing date in March. We may also refer to a\nBilling Cycle as the \xe2\x80\x9cBilling Period.\xe2\x80\x9d If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account.\nInterest (Finance) Charges\nInterest (Finance) Charge Calculation Method for Credit Purchases. The interest (finance) charges on merchant or credit\npurchase transactions (\xe2\x80\x9cPurchase Transactions\xe2\x80\x9d) begin to accrue on the transaction date. The interest (finance) charges for a Billing\nCycle are computed by applying the daily periodic rate to the average daily balance (for Purchase Transactions) multiplied by the\nnumber of days in the Billing Cycle. The average daily balance is determined by dividing the sum of the daily balances during the\nBilling Cycle, by the number of days in the Billing Cycle. To get the daily balance we start with the beginning balance of your Account\neach day (for Purchase Transactions) to which we add all new purchases and any other debits and subtract the amount of payments\nand credits to your Account. Then we total the daily balances (for Purchase Transactions) for each day of the Billing Cycle and divide\nthe result by the number of days in the Billing Cycle. This gives us the Average Daily Balance of your Account (for Purchase\nTransactions) for the Billing Cycle.\nVariable Annual Percentage Rate (APR) for Credit Purchases. We will charge Interest Charges and Fees to your Account as\ndisclosed on your Statement and other Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs.\nHowever, we will not charge you interest on any new transactions posted to the purchase Segment of your Account if you paid the\ntotal balance across all Segments of your Account in full by the due date on your Statement each month. From time to time, we may\ngive you offers that allow you to pay less than the total balance and avoid Interest Charges on new purchase Segment transactions.\nIf we do, we will provide details in the specific offer.\n\n\x0cWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\nInterest (Finance) Charges Calculation Method for Balance Transfers. The interest (finance) charges on Balance Transfer\nTransactions begin to accrue on the transaction date. The interest (finance) charges for a Billing Cycle are computed by applying the\ndaily periodic rate to the average daily balance (for Balance Transfer Transactions) multiplied by the number of days in the Billing\nCycle. The average daily balance is determined by dividing the sum of the daily balances during the Billing Cycle, by the number of\ndays in the Billing Cycle. To get the daily balance we start with the beginning balance of your Account each day (for Balance Transfer\nTransactions) to which we add all new Balance Transfer Transactions and any other debits and subtract the amount of payments and\ncredits to your Account. Then we total the daily balances, (for Balance Transfer Transactions) for each day of the Billing Cycle and\ndivide the result by the number of days in the Billing Cycle. This gives us the Average Daily Balance of your Account (for Balance\nTransfer transactions) for the Billing Cycle.\nVariable APR for Balance Transfers. We will charge Interest Charges and Fees to your Account as disclosed on your Statement\nand other Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge\nyou interest on any new transactions posted to the purchase Segment of your Account if you paid the total balance across all Segments\nof your Account in full by the due date on your Statement each month. From time to time, we may give you offers that allow you to\npay less than the total balance and avoid Interest Charges on new purchase Segment transactions. If we do, we will provide details\nin the specific offer.\nWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\nInterest (Finance) Charges for Cash Advances. The interest (finance) charges on Cash Advance Transactions begin to accrue on\nthe date you obtain the Cash Advance or the first day of the Billing Cycle in which it is posted to your Account, whichever is later. The\ninterest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for Cash\nAdvance Transactions) multiplied by the number of days in the Billing Cycle. The average daily balance is determined by dividing the\nsum of the daily balances during the Billing Cycle, by the number of days in the Billing Cycle. To get the daily balance we start with\nthe beginning balance of your Account each day (for Cash Advance transactions) to which we add all new Cash Advance transactions\nand any other debits and subtract the amount of payments and credits to your Account. Then we total the daily balances (for Cash\nAdvance transactions) for each day of the Billing Cycle and divide the result by the number of days in the Billing Cycle. This gives us\nthe Average Daily Balance of your Account (for Cash Advance transactions) for the Billing Cycle.\nVariable APR for Cash Advances. We will charge Interest Charges and Fees to your Account as disclosed on your Statement and\nother Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you\ninterest on any new transactions posted to the purchase Segment of your Account if you paid the total balance across all Segments\nof your Account in full by the due date on your Statement each month. From time to time, we may give you offers that allow you to\npay less than the total balance and avoid Interest Charges on new purchase Segment transactions. If we do, we will provide details\nin the specific offer.\nWe will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if\nyour Interest Rate and Interest Charge Disclosures provide for them. We may increase your Interest Charges and Fees as described\nin the Fees and Charges section of this agreement.\nMinimum Interest (Finance) Charge. If you are charged interest (finance charges), the charge will be no less than $.50.\nHow to Avoid Paying Interest (Finance) Charges on New Purchase Transactions. You can avoid Finance Charges on new\npurchases by paying the full amount of the entire balance owed each month within 25 days of your statement closing. This is called\na grace period on new purchases. Otherwise, the new balance of purchase, and subsequent purchases from the date they are\nposted to your account, will be subject to a Finance Charge. There\xe2\x80\x99s no grace period on balance transfers and cash advances.\nCash advances and balance transfers are always subject to a Finance Charge from the date they are posted to your account.\nVariable Rate Index. The annual percentage rate may change and will be based on the value of an index plus a margin. The index\nis the Prime Rate published in the Money rates column of the Wall Street Journal, as published on the fifth day of the month prior to\nthe change dates. If the Journal is not published on that day, then see the immediately preceding (\xe2\x80\x9cIndex\xe2\x80\x9d). The change dates will\noccur quarterly on the 1st day of January, April, July and October billing periods (\xe2\x80\x9cChange Dates\xe2\x80\x9d).\nRate Changes. The annual percentage rate may increase if the Index rate increases. An Index rate increase will result in a higher\ninterest charge and it may have the effect of increasing the amount of time required to repay the outstanding balance. An Index rate\ndecrease will result in a lower interest rate charge and it may have the effect of decreasing the amount of time required to repay the\noutstanding balance. The annual percentage rate can increase or decrease on the Change Dates. An Index rate increase or decrease\nwill take effect on the first day of the billing cycle. If the Index rate changes more frequently that the annual percentage rate, we will\nuse the Index rate in effect on the day we adjust the annual percentage rate to determine the new annual percentage rate. In such a\ncase, we will ignore any changes in the Index rate that occur between annual percentage rate adjustments.\nRate Change Limitations. Any percentage rate changes are subject to the following limitations: during the term of this Account the\nmaximum interest rate is the lesser of 21%, or the maximum annual percentage rate allowed by applicable law.\nFees and Charges\nLate Charge: You will pay an $19.00 late charge if we do not receive your Minimum Monthly Payment within 10 days after the Payment\nDue Date shown on your billing statement. This fee may change pursuant to Indiana Code 24-4.5-1-106 and 24-4.5-3-203.5. Michigan\nresidents: You will pay a late fee equal to the greater of $15.00 or %5 of the minimum balance.\nReturned Check Charge: We may charge you $25.00, each time your payment, check, draft, or similar item is returned for any\nreason, by your bank or financial institution for nonpayment.\nConvenience Fees: At your request, we may pass along convenience charges, such as; expedited mailing of your credit card or\nbalance transfer checks up to $26.00\nStop Payment fees: We may charge you $18.00 for a stop payment placed on a balance transfer check initiated by you, or a stop\npayment on a convenience check written by you.\nBalance Transfer fees: We will charge you $5 or %5 per transaction, whichever is greater. The fee will be charge to your credit card\naccount.\n\n\x0cCredit Insurance \xe2\x80\x93 Payment Protection Plan\nCredit Insurance - Payment Protection Plan. Payment Protection plans from Central States Indemnity Co of Omaha. Open\nenrollment for this product is marketed to you upon the opening of your account and again every April and October.\nFor more information, Central States Indemnity can be reached at P.O. Box 34888, Omaha NE 68134 or 1-800-445-6500.\nOther Terms and Conditions:\nYou may be eligible to add your TCU Visa\xc2\xae Platinum Credit Card to Apple Pay\xe2\x84\xa2 , Google Pay\xe2\x84\xa2 , and Samsung Pay\xe2\x84\xa2.\nApple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2, allows you to conveniently make purchases with your device wherever Visa\xc2\xae\ncontactless payments are accepted.\nPlease Note: In your Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 account, you will see a unique device account number listed\nunder your TCU Visa\xc2\xae. This number improves security because it\xe2\x80\x99s only used with your device. Use this number whenever an Apple\nPay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 merchant asks for the last 4 digits of your card number. Pay with Apple Pay\xe2\x84\xa2, Google\nPay\xe2\x84\xa2 , and Samsung Pay\xe2\x84\xa2 at participating merchants displaying the Apple\xc2\xae or Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2 and Samsung Pay\xe2\x84\xa2\nsymbols.\nAdditionally, Apple Pay\xe2\x84\xa2, Google Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 can be used with participating merchants displaying the Apple Pay\xe2\x84\xa2,\nGoogle Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2 button when you\xe2\x80\x99re shopping with an app.\nApple Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cAplPay\xe2\x80\x9d on your statements.\nGoogle Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cAPI\xe2\x80\x9d on your statements.\nSamsung Pay\xe2\x84\xa2 purchases you make with this card will be marked as \xe2\x80\x9cSamsung Pay\xe2\x80\x9d on your statements.\nPlease note that you may need to accept additional terms and conditions before accepting and using Apple Pay\xe2\x84\xa2, Android Pay\nGoogle Pay\xe2\x84\xa2, and Samsung Pay\xe2\x84\xa2.\nThe storage and usage of your TCU Visa\xc2\xae Platinum card or TCU Platinum Rewards card information (credentials corresponding to\nyour TCU Visa\xc2\xae Platinum card or TCU Platinum Rewards card account number) in this digital wallet are subject to the TCU Visa\xc2\xae\nPlatinum card or TCU Visa\xc2\xae Platinum Rewards card Terms and Conditions, as amended from time to time. Please contact Teachers\nCredit Union Member Call Center at 1-800-552-4745 for additional information.\n\nYou may sign up for alerts on your mobile devices to get an alert when certain transactions are processed, such as international, fuel,\nor online purchases. *Standard text messaging and data rates may apply.\n\nYou agree not to attempt to log on to any Website and make purchases using your TCU Visa \xc2\xae Platinum Credit Card from any country\nunder sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be\nobtained on the U.S. Department of the Treasury website. Any attempt to log on to these Websites and make purchases from one of\nthese countries may result in your access to your TCU Visa \xc2\xae Platinum Credit Card being restricted and/or terminated.\nCommissions. You understand and agree that we (or our affiliate) will earn commissions or fees on any insurance products and may\nearn such fees on other services that you buy through us or our affiliate.\nSecurity. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan you\nmay have with us will secure all amounts you owe us now and in the future if that status is reflected in the \xe2\x80\x9cTruth-in-Lending Disclosure.\nSignature Requirement: You agree to sign the back of your credit card as soon as you receive it and any use of the card by the\nborrower(s) or authorized user(s) indicates his/her consent to the terms of this agreement.\nChange of Personal Information: You agree to notify us in writing immediately if you change your name, home, or mailing address,\nor daytime telephone number.\nCredit Information: You agree that we may re-examine and re-evaluate your creditworthiness at any time. You authorize us to obtain\nfrom time to time information from others, such as stores and credit reporting agencies, concerning you and your credit accounts. You\nalso authorize us to respond from time to time to requests from others for credit or experience information about you and your Account.\nLost or Stolen Card or Unauthorized Use: You agree to notify us immediately if any card issued on your Account is ever lost or\nstolen or used in a manner not authorized by you. You can notify us by calling the phone number on your billing statement. You also\nagree to assist us in determining the facts and circumstances relating to any such unauthorized uses.\nLiability for Unauthorized Use: You may be liable for the unauthorized use of any of your credit cards. You will not be liable for\nunauthorized use that occurs after you notify us that any of your cards have been lost or stolen, or are being used without your\nauthorization. In the case of unauthorized use occurring before you notify us, you may be liable for up to $50.\nAge Requirement: You must be 18 years of age to apply; applicants between the ages of 18 and 21 must have the independent\nability to make the required Minimum Monthly Payment, as described above; or has a signed agreement, by a cosigner, guarantor, or\njoint applicant, who is at least 21 years old, to be either secondarily liable for the amounts due on this credit card account, and we\nhave determined that such cosigner, guarantor, or joint applicant has the independent ability to make the required Minimum Monthly\nPayments.\xe2\x80\x9d\nJoint and Several Liability: Each person who signed your Credit Card Application and each person who uses your Account will be\nindividually liable for all credit extended on the Account. All such persons will be liable as a group as well. This means that we can\ncollect from or sue any one of them without giving up any of our rights against the others. Upon receiving a request from any party to\nyour Account or receiving inconsistent instructions from different parties to your Account, we, at our sole option and without notice to\nany other party, may cancel your Account or refuse any request with respect to your Account, including a request for credit.\nDefault: If you fail to comply with any of the terms or conditions of this Agreement or any other loan agreement you have with us or\nanyone else, you will be in default. We will consider you to be in default if we determine that there has been a substantial adverse\neffect (insolvency) on your ability to repay the debt incurred on this account, you become incapacitated, upon your death, or if you file\na bankruptcy petition or have one filed against you, or if we believe in good faith that you may not be able to perform your obligations\nunder this Agreement.\nOur Rights upon Your Default: If you are in default, we may at our option to the extent permitted by law do any of the following,\nwithout notice:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe may terminate the credit card account and make all or any part of the amount owing by the terms of this Agreement\nimmediately due.\nWe may temporarily or permanently prohibit any additional advances on the Account.\nWe may temporarily reduce the Credit Limit.\nWe may make a claim for any and all insurance benefits or refunds that may be available on your default.\nWe may use any and all remedies we have under applicable law or any agreement securing this Agreement.\n\nExcept as otherwise required by law, by choosing a remedy we do not give up our right to use another remedy. We do not waive a\n\n\x0cdefault if we choose not to use a remedy. By electing not to use any remedy, we do not waive our right to later consider the event a\ndefault and to use any remedies if the default continues or occurs again.\nCross Default: You understand and agree that any breach or default of the terms and conditions of this Agreement shall also be\ndeemed to be a default of any and all other loan, line of credit account and credit card agreements you now have with us or obtain in\nthe future with us. Further, you understand and agree that your breach or default of the terms and conditions of any other loan, line of\ncredit account or credit card agreements you now have with us or obtain in the future with us shall be deemed to be a default of the\nterms and conditions of this Agreement. This \xe2\x80\x9cCross Default\xe2\x80\x9d agreement shall not apply to any loan, line of credit account or credit\ncard agreement by real property or where otherwise prohibited by Federal or State Law or Regulation.\nCollection Costs. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, you\nagree to pay all court costs, private process serve fees, investigation fees or other costs incurred in collection and reasonable\nattorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed under this Agreement.\nClosure of Account: Even if you are not in default, we may close your Account or suspend your credit privileges at any time without\nprior notice. If your Account is closed, you are obligated to pay the outstanding balance, any interest (finance) charges, and all other\ncharges, fees, and costs that are or become due on your Account. You must also return your credit card to us if asked to do so.\nChange of Terms: We may change the terms of this Agreement by mailing or delivering to you written notice of the changes as\nprescribed by the Federal Truth-in-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement\nincludes, but is not limited to, the right to change the periodic rate. We may also add new terms, conditions, services, or features to\nyour Account. To the extent required by law, we will notify you in advance of any change in terms by mailing a notice to you at your\naddress as shown on our records.\nMerchants and Your Card: We are not responsible or liable for anyone\'s refusal to honor your card or for anyone\'s retention of your\ncard.\nPayments Marked "Paid in Full": We may accept checks, money orders, or other types of payment marked "payment in full" or using\nother language to indicate full satisfaction of indebtedness, without our being bound by such language or waiving any rights under this\nAgreement. Full satisfaction of indebtedness shall be accepted by us only in a written agreement, signed by one of our authorized\nemployees.\nForeign Currency Transaction: You agree that we may convert any charge or credit made to your Account in currency other than\nU.S. dollars into U.S. dollars following our own procedures for determining the exchange rate, and charge or credit your Account for\nthe U.S. dollar amount. The amount determined by following our own procedures may be the same as, greater than, or less than the\namount that would be calculated by conversion on the date when the transaction was actually initiated.\nIllegal Transactions: You warrant and agree that the Credit Card, other access device or any related account will not be used to\nmake or facilitate any illegal transactions(s) as determined by applicable law: and that any such use, including any such unauthorized\nuse, will constitute an event of default under this Agreement. We may decline to accept, process or pay any transaction that we\nbelieve to be illegal or unenforceable (regarding your obligation to pay us) under applicable law, including but not limited to any\ntransaction involving or relating to any gambling activity. Certain federal and or state laws such as the Unlawful Internet Gambling\nEnforcement Act or Third Party Service Providers\xe2\x80\x99 Rules may limit or prohibit certain transactions such as (but not limited to) those\ncoded as possible gambling transactions. Such prohibition or limitations may affect some otherwise proper or allowable transactions\nsuch as debits, charges or other transactions at or relating to a hotel-casino. You further understand and agree that such limitations\nare not in our control and we will have no liability for the enforcement of this provision.\nATM Transactions. Withdrawals at ATM machines may be made using your Credit Card and personal identification number. Cash\nwithdrawals may not exceed $500.00 per calendar day. Except as otherwise provided in this Agreement, advances through ATM\naccess will be treated as a Cash Advance. Owners of ATMs that we do not own may charge fees in addition to any fees described in\nthis Agreement. This is not a fee charged by Teachers Credit Union; however, any such fee will be added to your Account. The party\ncharging the fee is required to provide appropriate disclosures to you with regard to any such fees.\nWaivers: We may waive or decline to enforce any of our rights under this Agreement without affecting any of our other rights. To the\nextent not prohibited by law and except for any required notice of right to cure for the failure to make a payment, you waive protest,\npresentment for payment, demand, notice of acceleration, notice of intent to accelerate and notice of dishonor.\nTermination. Either you or we may, unless prohibited by law, terminate this Account at any time by giving written notice to the other.\nTermination by any one of you terminates the Account for all of you. Termination will not affect your obligation to repay advances\nmade prior to the termination, in accordance with the terms of this Agreement.\nFinancial Reports and Additional Documents. You will provide facts to update information contained in your original Credit Card\nApplication or other information related to you, at our request. You also agree that we may, from time to time, as we deem necessary,\nmake inquires pertaining to your employment, credit standing and financial responsibility in accordance with applicable laws and\nregulations.\nGoverning Law: This Agreement and your Account, as well as our rights and duties and your rights and duties regarding this\nAgreement and your Account, will be governed by and interpreted in accordance with federal law to the fullest extent possible and to\nthe extent federal law does not apply, in accordance with Indiana law, regardless of where you live and use your Account, or as may\nbe required by the Military Lending Act. This Agreement is made in Indiana. All credit will be extended from Indiana.\nSeverability: Should any provision of this Credit Card Agreement be determined to be invalid or unenforceable, that determination\nwill not affect the validity or enforceability of any other provision.\nLiability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your\ncard, you should write to us immediately at: Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 336313112, or call us at 877-271-8328.\nYour Billing Rights: Keep This Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCustomer Service, P. O. Box 31112, Tampa, FL 33631\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\n\n\x0cYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest (finance charges) on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest (finance charges) or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest (finance\ncharges) and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nTeachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nThis Disclosure Current as of January 15, 2019 TCU Form #P01152019\n\n\x0c'