IMPROVING YOUR CREDIT SCORE Credit scores are calculated {rom five basic categories payment history, amounts owed, length of credit history, new Credit and types of new credit. TCU would like to offer some basic suggestions for improving your credit score. (4 Pay your bills on time. Delinquent payments can lower your score. NO POSTAGE NECESSARY IF MAILED   IN THE UNITED STATES     (Ifyou have missed payments, get them caught up as quickly as possible. The more consistently you make your payments on time, the higher your score will be. U Pay off as many account balances in full as possible and avoid transferring balances trom one creditor to another to avoid finance charges. Transferring balances can have a negative impact on your credit score. (2 Maintain low balances on credit cards and other “revolving credit”. High balances can negatively impact your score. TO you have collection items on your credit report, be aware paying them off will not remove them from your credit report. All collection items remain on your credit report for seven years. (Ifyou are having difficulty paying your debt, maintain contact with your creditors or see a legitimate credit counselor. This will not improve your credit score, but getting help to manage your accounts can help improve your score in the future, \ Avoid opening new credit card accounts you don't need. If your credit report refiects inaccurate or outdated information, you can correct It. Notify your local credit bureau of the problem in writing. The credit bureau will notity the creditor involved. The creditor will investigate and report back to the bureau to correct errors that have occurred. If you are a victim of fraud, contact the credit agency's Fraud Victim Assistance Department. © Equifax: (800) 525-6285; www.equifax.com P.O, Box 740241, Atlanta, GA 30374-0241 * Experian: (B88) 397-3742; vwww.experian.canv fraud P.O, Box 9532 Allen, Texas 75013 * TransUnion: (800) 680-7289; vww.transunion.com P.O, Box 6790 Fullerton, CA 92834 BRQ3600     DID MUL Oo Ou Woo b Woynmul POSTAGE WILL BE PAID BY ADDRESSEE TEACHERS CREDIT UNION BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 2367 SOUTH BEND, IN ATTN: CREDIT CARD PROCESSING PO BOX 1395 SOUTH BEND IN 46699-0342 yf           VISA’ PLATINUM CREDIT CARD     A Credit Card with a low introductory rate for purchases and balance transfer transactions of 3.99% for the first 12 months. earn mare inside.   ~\     PLATINUM Credit Card 23 4567 8910 1112 _ VISA TCU VISA PLATINUM CREDIT CARD FEATURES WF) <cer-le\cclalecte(-Me)meal=mey-ieit ai avAnil=>dlelilintaelale Mee) all (slates that comes with the TCU Visa’ Platinum Card. 3.99% Introductory rate for purchases for the first twelve months. 3.99% Introductory rate for balance transfers for the first twelve months, No balance transter fees No annual fee No foreign country transaction fees Easy cash advances al ATMs Securely select your own PIN Verified by VISA® security for online transactions Easy to use call center: 877-271-8328 GD fan woe oe CCUNet.COM  TCU* VISA PLATINUM CREDIT CARD ACC! INTEREST RATE AND INTEREST CHARGES late (APR: annus Petearitegs ¢ , 3.99% introductory APA for the first twelve months.   for Purchases ater tat, your APA wiibe Te? 4%, 8.74% oF 11.74% based on your creditworthiness. This APR will vary with the market based on a Prime Rate." APR for Balance Transfers from another financial institution* 3.99% introductory APA for the first twelve months, Aater that, your apn witte 7 «ef 4%, 8.74% or 11.74% based on your creditworthiness. This APA will vary with the market based on a Prime Rate."     APE Fex Can Aevence 10.40%, 11.40% OF 14.40% based on your crecitworthiness. This APR will vary with the market based on a Prime Rate. Paying Interest Your due date ts al least 25 days alter the close of each billing cycle. We willbegin charging inlerest on Purchases, Balance Transfers and Cash Advances on the transaction date. To avoid incurting interest charges, for new purchase transactions, you must pay the new balance which includes purchases, balance transfers and cash advances, as shown on the Account Statement, on or before the payment due date.   Minimum Interest Charge H you are charged interest, tha charge will be no less than $0.50.       For Credit Card Tips from the To leam more about the factors to consider when applying for or using a credit card, visit the Consumer Financial website of the Consumer Financial Protection Bureau at: Protection Bureau hilp://www.consumerfinance.gov/learnmore Annual Fee None Transaction Fees None Penalty Fees Late Fees | IN - $18.50", Mi - greater of $15.00 or 5% of the minimum payment Return Payment Fee | $25.00 Expedited Delivery Fee | up to $26.00 Stop Payment Fee | $18.00 (br balince transfer checks and cowenence deds         Mow We Calculate Your Balance, We use a method called “average daily balance (including new purchases).” Prime Rate. Variable APAs are based on the 3.50% Prime Rale as of 10/1/15. *Must be a member of Teachers Cred’ Union to be eligible to apply for the Credit Card, Membership fee to open a Member Snare (savings) account Is §7.00 membership fee and $5.00 minimum Share deposit Is required. a. We add 4.24%, 5.24% or 8.24% based upon your creditworthiness to the current Prime Rate to determing the Purchase APR of Balance Transfers, b. We add 6.90%, 7.90% or 10.90% based upon your creditworthiness to the current Prime Rate to determine Ihe Cash Advance APR. ¢, This fee may change, pursuant to Indiana Code 24-4.5-1-105 and 24-4.5-3-203,5, ME-grenter of $15.00 of 5% af the minimum payment. d. Balance Transfers [rom another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not permitted on the TCU Visa® Platinum Credit Card. See your Account Agreement for more details. Billing Rights. Information on your rights to dispute transactions and how lo exercise those rights is provided In your Account Agreement.   i, Seal and mall Please do not tape or staphe. otted Ine, Detach on d »>   TCU VISA PLATINUM CREDIT CARD 4)”     Member @. Date: Product Code; Application IMPORTANT: Read these beta this Check Pprop! box:   __ It you are applying for an individual account in your own name and are relying on your own income of assets and not the income or assets ot ‘another person as tha basis for repayment of the credit requested, complete only Section A. ___ It you are applying for a Joint Account or an account that you and another person will use, complete Sections A and B, providing information fn Section B about the Joint Applicant or user, ‘We intend to apply for Joint Credit, Applicant Co-Apphcant __ lt you are applying for an Individual Account, bul are relying on income from alimony, child support, or separate maintenance or on the i= come of assets of another person as the basis for repayment of the credit requested, complete Sections A and B to the extent possible, providing information in Section B about the parson on whose alimony, support, or maintenance payments or on the income or assets you are relying. Important Application Information: Federal kev requires Teachact Credit Union to obtain sufficient informaton bb verty your entity. You may be asked several questions and to provide one or more forms cf identificaten to meet this obligation, fh sore instances, we may use outside sources to confirm the information, The information you previde is protected by out Prevacy Policy and federal law. ‘Section A - Individual Applicant Information             Festhame a Date of Binh Social Seaurtty Number Street Address** Gy State ip Years Months at Address Homa Phone Call Phone Emal Adaress Eniplayor Yous ofEmpymnt Employer Street Address ——=—=S*S*«Cimpdoyerr CiRy/SLateZip Employer Phone # Total Annual Income (alimony, chil support, or separate maintenance income need not be revealed if you do nat wistr it to be considered as a basis for repaying the obligation. Please incide af of your sources of income, including income from assets that you would Fike considered as a fas’s for repaying this obtigation ) “This is how your name will appear on lhe card, ** Street address only, applications with P.0. Bax will not be accepted. Section B - Joint Application ‘Complete only if for Joint Credit or Applicant is married and resides in a community property state.                 Fest hisme Last Name* Oate d Birth Social Security Number Sireet Address Ciy State Zip Years onthe at Address Homa Prone Gal Phone Fmal Address Finphyer Years ef Employinent EmcbyerAadess =——=—=S*S*S*«*«iir gyre City /Stntn/Zip Emeloyer Phona # Total Annual Income (alimony, child support, or separate maintenance income need not be revealed if you do nat wish it to be considered as a basis for repaying this obligation. Please include al of your sources of income, including income trom assets thal you would Ike considered as a basis for repaying thes obtigation) "Ths is how your nome will appaar on the card, ** Street address only, applications with P.O, Box will not be accepted. Please Sign Below. VWe certify that we are at least 18 years old and that everything V we have stated in this and on any ts correct. | understand that applicants between the ages of 18 and 21 must have the independent ability to make the required Minimum Monthly Pay- ment, as described adave; or has a signed agreement, by a casigner, guarantor, or joint applicant, who is al least 21 years ob, to be either secondarily liable for the amounts due on this credit card account, and we have determined that such cosigner, guarantor, or joint applicant has the independent ability to make the required Minimum Monthly Payments. Teachers Credit Union may keep this Application whether or not itis approved. By signing below VWe further: Authorize Teachers Credit Union to check my/our credil and employment history and to answer questions others may ask me/us aboul my/our credit record with the Credit Union, and VWe have read and agreed to all the Terms and Conditions contained in this form and agree that the use of any Credit Card Account opened or any card issued in connection with the application will constitute my/our acceptance of and will be subject to the Terms and Conditions ined in this Account and the TCU Visa® Platinum Credit Card Account Agreement, that will be sent to me/us, VWe agree to be responsible for all charges incurred according to the Agreement.     Applicant A   Signature Date Applicant B - Complete only if for Joint Credit, for Individual Credit relying on income or assets from other sources, or Applicant is mar- fied and resides in a community property state.         Signature Dale Credit Union - Information Date ‘Debt Ratio Approved Line of Credit Sqratures: 12 Loan Officer X     PC106 Etfectve 10/1/16  TCU VISA Platinum Credit Card Account Agreement This TCU ®VISA Platinum Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours under your Teachers Credit Union Platinum Credit Card Account ("Account"). Please read it carefully and retain it for future reference; it contains the terms that will govern your Account. In this Agreement, the applicant, co-applicant, and any other person you authorize to use the account will be referred to as "you", "your", and "yours". Teachers Credit Union, or its agents, authorized representatives, successors or assignees, will be referred to as "We", "our", and "us". This Agreement becomes effective at the time you apply for the Account, use the Account, accept or sign a credit card issued on the Account, whichever event occurs first. Promise 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 amount of all transactions that you make on your Account. You also promise to pay the total amount of all transactions that others make on your Account with your permission, even if the amount transacted exceeds that which you had authorized. In addition, you promise to pay all other finance charges or interest, expenses, fees, or other fees that may be added from time to time, as provided for in this Agreement that become due on your Account. Credit Limit: The credit limit for your Account will appear on your billing statement. You promise that you and others using your Account will not make transactions on your Account in an amount that exceeds your credit limit. You also promise to pay us the amount of any transactions on your account in excess of your credit limit, including interest, as we may require. Except as may be limited by applicable law, we, in our sole discretion, may increase or decrease your credit limit by any amount. We also may refuse to extend additional credit for any transaction if you have reached your credit limit or if you are in default (as defined below). Minimum Monthly Payment: Each month, by the 28" day of the month (“Payment Due Date”) you must pay us at least the ("Minimum Monthly Payment") shown on your Account Statement for the Billing Cycle. The Minimum Monthly Payment will be equal to the following: « 2% of your New Balance, or $25.00, whichever is greater; plus, any amount Past Due e Rounding. The Minimum Monthly Payment will be rounded up to the highest $1.00 ° Payment of balance. If your Loan Account Balance at the end of a Billing Cycle is less than $25.00, your Minimum Payment will be equal to the entire outstanding Loan Account Balance. e You may pay off all or part of what you owe at any time. If you pay more than the Minimum Payment amount, you must continue to make your periodic minimum payments as otherwise required by this Credit Card Agreement. Unless otherwise agreed or required by applicable law, your payments may be applied to what you owe us in any manner we choose. However, in every case, in the event you make a payment in excess of the required Minimum Monthly Payment, we will allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rates. Advances: There are three types of transactions that you can make on your Account: Purchases, Balance Transfers or Cash Advances. You make a Purchase when you use your credit card to buy goods or services, these transactions will be posted to the Purchase segment of your Account Statement. You make a Balance Transfer when you transfer a balance on another credit card to this Account. Balance Transfers will be posted in the Purchase Transaction segment of your Account Statement unless shown separately. Balance Transfers to another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not permitted on the TCU Platinum card. You make a Cash Advance Transaction when you use your credit card to obtain cash or cash equivalents. Cash equivalents include: ATM transactions, wire transfers, travelers’ checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account statement. You agree that we may charge your credit card Account for the amount of each transaction made on your Account. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. Billing Cycle: The term “Billing Cycle" means the interval between the days or dates of the regular Account Statements, which may vary in length, but is approximately 30 days. The specific period of time is described on each Account Statement. However, you will have 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 occurs as provided on the Statement. For example, a “March Billing cycle” will have a closing date in March. We may also refer to a Billing Cycle as the “Billing Period.” If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account. Interest (Finance) Charges Interest (Finance) Charge Calculation Method for Credit Purchases. The interest (finance) charges on merchant or credit purchase transactions (“Purchase Transactions”) begin to accrue on the transaction date. The interest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for Purchase Transactions) multiplied by the number of days in the Billing Cycle. The average daily balance is determined by dividing the sum 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 the beginning balance of your Account each day (for Purchase Transactions) to which we add all new purchases and any other debits and subtract the amount of payments and credits to your Account. Then we total the daily balances (for Purchase Transactions) for 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 Balance of your Account (for Purchase Transactions) for the Billing Cycle. Variable Annual Percentage Rate (APR) for Credit Purchases. When you were granted an Account, you were approved for an interest rate margin between 4.24% and 8.24% for Purchase transactions. This margin is added to the Prime Rate to determine the APR. As of October 1, 2016 the APR for Purchase transactions, was between 7.74% and 11.74%% APR. The daily periodic rate is determined by taking the APR and dividing it by 365. Interest (Finance) Charges Calculation Method for Balance Transfers. The interest (finance) charges on Balance Transfer Transactions begin to accrue on the transaction date. The interest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for Balance Transfer Transactions) multiplied by the number of days in the Billing Cycle. The average daily balance is determined by dividing the sum 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 the beginning balance of your Account each day (for Balance Transfer Transactions) to which we add all new Balance Transfer Transactions and any other debits and subtract the amount of payments and credits to your Account. Then we total the daily balances, (for Balance Transfer Transactions) for 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 Balance of your Account (for Balance Transfer transactions) for the Billing Cycle. Variable APR for Balance Transfers. When you were granted an Account, you were approved for an interest rate margin between 4.24% and 8.24% for Balance Transfer transactions. This margin is added to the Prime Rate to determine the APR. As of October 1, 2016 the APR for Balance Transfer transactions was between 7.74% and 11.74%% APR. The daily periodic rate is determined by taking the APR and dividing it by 365. Balance Transfers to another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not eligible for a balance transfer the TCU Platinum Reward card. Interest (Finance) Charges for Cash Advances. The interest (finance) charges on Cash Advance Transactions begin to accrue on the 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 interest (finance) charges for a Billing Cycle are computed by applying the daily periodic rate to the average daily balance (for Cash Advance Transactions) multiplied by the number of days in the Billing Cycle. The average daily balance is determined by dividing the sum 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 the beginning balance of your Account each day (for Cash Advance transactions) to which we add all new Cash Advance transactions and any other debits and subtract the amount of payments and credits to your Account. Then we total the daily balances (for Cash Advance transactions) for 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 Balance of your Account (for Cash Advance transactions) for the Billing Cycle. Variable APR for Cash Advances. When you were granted an Account, you were approved for an interest rate margin between 6.90% and 10.90% for Cash Advance transactions. This margin is added to the Prime Rate to determine the APR. As of October 1, 2016 the APR for Cash Advances was between 10.40% and 14.40% APR. The daily periodic rate is determined by taking the APR and dividing it by 365. Minimum Interest (Finance) Charge. If you are charged interest (finance charges), the charge will be no less than $.50. How to Avoid Paying Interest (Finance) Charges on New Purchase Transactions. You can avoid Finance Charges on new purchases by paying the full amount of the entire balance owed each month within 25 days of your statement closing. This is called a grace period on new purchases. Otherwise, the new balance of purchase, and subsequent purchases from the date they are posted to your account, will be subject to a Finance Charge. There’s no grace period on balance transfers and cash advances. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to your account. Variable Rate Index. The annual percentage rate may change and will be based on the value of an index plus a margin. The index is 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 the change dates. If the Journal is not published on that day, then see the immediately preceding (“Index”). The change dates will occur quarterly on the 1* day of January, April, July and October billing periods (“Change Dates’). Rate Changes. The annual percentage rate may increase if the Index rate increases. An Index rate increase will result in a higher interest charge and it may have the effect of increasing the amount of time required to repay the outstanding balance. An Index rate decrease will result in a lower interest rate charge and it may have the effect of decreasing the amount of time required to repay the outstanding balance. The annual percentage rate can increase or decrease on the Change Dates. An Index rate increase or decrease will take effect on the first day of the billing cycle. If the Index rate changes more frequently that the annual percentage rate, we will use the Index rate in effect on the day we adjust the annual percentage rate to determine the new annual percentage rate. In such a case, we will ignore any changes in the Index rate that occur between annual percentage rate adjustments. Rate Change Limitations. Any percentage rate changes are subject to the following limitations: during the term of this Account the maximum interest rate is the lesser of 21%, or the maximum annual percentage rate allowed by applicable law. Fees and Charges Late Charge: You will pay an $18.50 late charge if we do not receive your Minimum Monthly Payment within 10 days after the Payment Due 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 residents: You will pay a late fee equal to the greater of $15.00 or %5 of the minimum balance. Returned Check Charge: We may charge you $25.00, each time your payment, check, draft, or similar item is returned for any reason, by your bank or financial institution for nonpayment. Convenience Fees: At your request, we may pass along convenience charges, such as; expedited mailing of your credit card or balance transfer checks up to $26.00 Stop Payment fees: We may charge you $18.00 for a stop payment placed on a balance transfer check initiated by you, or a stop payment on a convenience check written by you. Credit Insurance — Payment Protection Plan Credit Insurance - Payment Protection Plan. Payment Protection plans from Central States Indemnity Co of Omaha. Open enrollment for this product is marketed to you upon the opening of your account and again every April and October. For more information, Central States Indemnity can be reached at P.O. Box 34888, Omaha NE 68134 or 1-800-445-6500. Other Terms and Conditions: You may be eligible to add your TCU Visa® Platinum Credit Card to Apple Pay™. Apple Pay™ allows you to conveniently make purchases with your device wherever Visa® contactless payments are accepted. Please Note: In your Apple Pay™ account, you will see a unique device account number listed under your TCU Visa®. This number improves security because it's only used with your device. Use this number whenever an Apple Pay™ merchant asks for the last 4 digits of your card number. Pay with Apple Pay™ at participating merchants displaying the Apple® or Apple Pay™ symbols. Additionally, Apple Pay™ can be used with participating merchants displaying the Apple Pay™ button when you're shopping with an app. Apple Pay™ purchases you make with this card will be marked as “ApiPay’ on your statements. Please note that you may need to accept additional terms and conditions before accepting and using Apple Pay™. The storage and usage of your TCU Visa® Platinum card or TCU Platinum Rewards card information (credentials corresponding to your TCU Visa® Platinum card or TCU Platinum Rewards card account number) in this digital wallet are subject to the TCU Visa® Platinum card or TCU Visa® Platinum Rewards card Terms and Conditions, as amended from time to time. Please contact Teachers Credit Union Member Call Center at 1-800-552-4745 for additional information. Commissions. You understand and agree that we (or our affiliate) will eam commissions or fees on any insurance products and mayeam such fees on other services that you buy through us or our affiliate. i i i i i ther loan you Security. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any 0 may have with us will ioare all amounts you owe us now and in the future if that status is reflected in the “Truth-in-Lending Disclosure. Signature Requirement: You agree to sign the back of your credit card as soon as you receive it. Change of Personal information: You agree to notify us in writing immediately if you change your name, home, or mailing address, or daytime telephone number. Credit tnformation: You agree that we may re-examine and re-evaluate your creditworthiness at any time. You authorize us to obtain from time to time information from others, such as stores and credit reporting agencies, conceming you and your credit accounts. You also authorize us to respond from time to time to requests from others for credit or experience information about you and your Account. Lost or Stolen Card or Unauthorized Use: You agree to notify us immediately if any card issued on your Account is ever lost or stolen or used in a manner not authorized by you. You can notify us by calling the phone number on your billing statement. You also agree to assist us in determining the facts and circumstances relating to any such unauthorized uses. Liability for Unauthorized Use: You may be liable for the unauthorized use of any of your credit cards. You will not be liable for unauthorized use that occurs after you notify us that any of your cards have been lost or stolen, or are being used without your authorization. In the case of unauthorized use occurring before you notify us, you may be liable for up to $50. Age Requirement: You must be 18 years of age to apply; applicants between the ages of 18 and 21 must have the independent ability to make the required Minimum Monthly Payment, as described above; or has a signed agreement, by a cosigner, guarantor, or joint applicant, who is at least 21 years old, to be either secondarily liable for the amounts due on this credit card account, and we have determined that such cosigner, guarantor, or joint applicant has the independent ability to make the required Minimum Monthly Payments.” Joint and Several Liability: Each person who signed your Credit Card Application and each person who uses your Account will be individually liable for all credit extended on the Account. All such persons will be liable as a group as well. This means that we can collect 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 your Account or receiving inconsistent instructions from different parties to your Account, we, at our sole option and without notice to any other party, may cancel your Account or refuse any request with respect to your Account, including a request for credit. Default: 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 anyone else, you will be in default. We will consider you to be in default upon your death, insolvency, or if you file a 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 under this Agreement. Our 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, without notice: ¢ We may terminate the credit card account and make all or any part of the amount owing by the terms of this Agreement immediately due, We may temporarily or permanently prohibit any additional advances on the Account. We may temporarily reduce the Credit Limit. We may make a claim for any and all insurance benefits or refunds that may be available on your default. We may use any and all remedies we have under applicable law or any agreement securing this Agreement. Except 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 default 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 default and to use any remedies if the default continues or occurs again. Collection Costs. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, you agree to pay all court costs, private process serve fees, investigation fees or other costs incurred in collection and reasonable attorneys’ fees incurred in the course of collecting any amounts owed under this Agreement. Closure of Account: Even if you are not in default, we may close your Account or suspend your credit privileges at any time without prior notice. If your Account is closed, you are obligated to pay the outstanding balance, any interest (finance) charges, and all other charges, fees, and costs that are or become due on your Account. You must also retum your credit card to us if asked to do so. Change of Terms: We may change the terms of this Agreement by mailing or delivering to you written notice of the changes as prescribed by the Federal Truth-in-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rate. We may also add new terms, conditions, services, or features to your 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 address as shown on our records. Merchants and Your Card: We are not responsible or liable for anyone's refusal to honor your card or for anyone's retention of your card. Payments Marked "Paid in Full": We may accept checks, money orders, or other types of payment marked “payment in full" or using other language to indicate full satisfaction of indebtedness, without our being bound by such language or waiving any rights under this Agreement. Full satisfaction of indebtedness shall be accepted by us only in a written agreement, signed by one of our authorized employees. Foreign Currency Transaction: You agree that we may convert any charge or credit made to your Account in currency other than U.S. dollars into U.S. dollars following our own procedures for determining the exchange rate, and charge or credit your Account for the U.S. dollar amount. The amount determined by following our own procedures may be the same as, greater than, or less than the amount that would be calculated by conversion on the date when the transaction was actually initiated. lllegal Transactions: You warrant and agree that the Credit Card, other access device or any related account will not be used to make or facilitate any illegal transactions(s) as determined by applicable law: and that any such use, including any such unauthorized use, will constitute an event of default under this Agreement. We may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us) under applicable law, including but not limited to any transaction involving or relating to any gambling activity. Certain federal and or state laws such as the Unlawful Internet Gambling Enforcement Act or Third Party Service Providers’ Rules may iimit or prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or relating to a hotel-casino. You further understand and agree that such limitations are not in our contro! and we will have no liability for the enforcement of this provision. ATM Transactions. Withdrawals at ATM machines may be made using your Credit Card and personal identification number. Cash withdrawals may not exceed $500.00 per calendar day. Except as otherwise provided in this Agreement, advances through ATM access 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 this Agreement. This is not a fee charged by Teachers Credit Union: however, any such fee will be added to your Account. The party charging the fee is required to provide appropriate disclosures to you with regard to any such fees. Waivers: We may waive or decline to enforce any of our rights under this Agreement without affecting any of our other rights. To theextent not prohibited by law and except for any required notice of right to cure for the failure to make a payment, you waive protest, presentment for payment, demand, notice of acceleration, notice of intent to accelerate and notice of dishonor. Termination. Either you or we may, unless prohibited by law, terminate this Account at any time by giving written notice to the other. Termination by any one of you terminates the Account for all of you. Termination will not affect your obligation to repay advances made prior to the termination, in accordance with the terms of this Agreement. Financial Reports and Additional Documents. You will provide facts to update information contained in your original Credit Card Application or other information related to you, at our request. You also agree that we may, from time to time, as we deem necessary, make inquires pertaining to your employment, credit standing and financial responsibility in accordance with applicable laws and regulations. Governing Law: This Agreement and your Account, as well as our rights and duties and your rights and duties regarding this Agreement and your Account, will be governed by and interpreted in accordance with federal law to the fullest extent possible and to the extent federal law does not apply, in accordance with Indiana law, regardless of where you live and use your Account. This Agreement is made in Indiana. All credit will be extended from Indiana. Severability: Should any provision of this Credit Card Agreement be determined to be invalid or unenforceable, that determination will not affect the validity or enforceability of any other provision. Liability for Unauthorized Use. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at: Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631- 3112, or call us at 877-271-8328. Your Billing Rights: Keep This Document fer Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Customer Service, P. O. Box 31112, Tampa, FL 33631 In your letter, give us the following information: * Account information: Your name and account number. * Dollar amount: The dollar amount of the suspected error. + Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe itis a mistake. You must contact us: « Within 60 days after the error appeared on your statement. * At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You 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 errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: * We cannot try to collect the amount in question, or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge you interest (finance charges) on that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: * If we made a mistake: You will not have to pay the amount in question or any interest (finance charges) or other fees related to that amount. * ff we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest (finance charges) and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If 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 pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Teachers Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112While we investigate, the same rules apply to the disputed amount as discussed above. After we finish cur investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   | This Disclosure Current as of October 1, 2016. TCU Form # P04012016 |