Truliant Federal Credit Union
VISA® PLATINUM REWARDS

494500

VISA PLATINUM REWARDS — VARIABLE RATE 

Account Opening Disclosure
and Pricing Information

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases, Balance Transfers, and 
Cash Advances

11.99%
This APR will vary with the market based
on the Prime Rate.

Penalty APR and When it Applies

None

How to Avoid Paying Interest on 
Purchases

Your due date is at least 25 days after the 
close of each billing cycle.  We will not 
charge you any interest on purchases if 
you pay your entire balance by the due 
date each month.

Minimum Interest Charge

None

For Credit Card Tips from the 
Consumer Financial Protection Bureau

To learn more about factors to consider 
when applying for or using a credit card, 
visit the website of the Consumer  
Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees

• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees

• Late Payment
• Over-the-Credit Limit
• Returned Payment

None

None
None
1% of each transaction in U.S. dollars

$15.00
None
up to $25.00

How We Will Calculate Your Balance:  We use a method called  
“average daily balance (including new purchases).” See your account 
agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and 
how to exercise those rights is provided in your account agreement.

CREDIT CARD AGREEMENT

NOTICE: See “YOUR BILLING RIGHTS” section for important 
information regarding your rights to dispute billing errors.

In this Agreement the words “you” and “your” mean each and all of those who apply for the card or 
who  sign  this  Agreement.  “Card”  means  the  VISA  Platinum  Rewards  Credit  Card  and  any  duplicates 
and  renewals  we  issue.  “Account”  means  your  VISA  Platinum  Rewards  Credit  Card  Line  of  Credit 
Account with us. “We,” “us” and “ours” means this Credit Union.

(Continued on next page)

494500 (10/01/2021)

1. Using the Card. You may use the Card issued to you to make purchases in person, online and by mail or telephone from mer-
chants and others who accept VISA cards. In addition, you may obtain cash advances from the Credit Union, from other financial
institutions participating in the VISA program and from automated teller machines (ATMs), such as VISA ATM Network, that provide 
access to the VISA system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to 
obtain a Cash Advance from an ATM. The monthly statement will identify the merchant, electronic terminal or financial institution at 
which transactions were made, but sales, Cash Advances, credit or other slips cannot be returned with the statement. You should 
retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may 
make a reasonable charge for photocopies of slips you request. You may not use your Card for any transaction that is illegal under 
applicable federal, state or local law.

2. Responsibility. If we issue you a Card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the Card 
and the Card Account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are
also responsible for charges made by anyone else to whom you give the Card and this responsibility continues until the Card is 
recovered. You cannot disclaim responsibility by notifying us, but we will close the Account for new transactions if you so request 
and return all Cards. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other 
court judgment to which we are not a party may direct you or one of the other persons responsible to pay the Account. Any person 
using the Card is jointly responsible with you for charges he or she makes, but if that person signs the Card he or she becomes a 
party to this Agreement and is also jointly responsible for all charges on the Account, including yours.

3. Military Lending Act. If you are a covered borrower under regulations related to the Military Lending Act, federal law provides 
important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate 
of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation 
fees for a credit card account). Please call us at 1-855-878-0499 to receive oral disclosures.

4. Convenience Checks. We may supply you with personalized Convenience Checks which may be used to obtain Cash Advances 
on your VISA Account. Only the person whose name is printed on a Convenience Check may sign it. The following other condi-
tions apply to the use of Convenience Checks: (a) you may not use one to make a payment on any obligation to the Credit Union, 
(b) it must be written for only U.S. dollars, (c) it cannot be postdated (show a future date), (d) it cannot be certified, (e) it will not be 
honored if you are in default to the Credit Union under this agreement or any other agreement with the Credit Union, (f) it cannot be 
for an amount greater than the remaining credit available in your Credit Line, and (g) it will not be honored if it has been reported 
lost or stolen. The Credit Union will have no liability for failure to honor a check for any of the foregoing reasons. The Credit Union 
may charge a fee (up to $25.00 as of 10/01/2021) if we do not honor your check. Any Convenience Check that the Credit Union 
pays will be treated as a Cash Advance for your Account.

5.  Lost  Card  Notification.  If  you  believe  the  Card  has  been  lost  or  stolen,  you  will  immediately  call  the  Credit  Union  at 
800-822-0382 or 800-442-4757.

6. Liability for Unauthorized Use. You may be liable for the unauthorized use of your credit Card. You will not be liable for unau-
thorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft or possible unauthorized use.
In any case, your liability will not exceed $50.00 for unauthorized cash advances at ATMs. You will have no liability for unauthorized 
purchases made with your Card.

7. Credit Line. If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its 
amount when we issue the Card. You agree not to let the Account balance exceed this approved Credit Line. Each payment you
make on the Account will restore your Credit Line by the amount of the payment which is applied to principal. You may request 
an increase in your Credit Line only by written application to us, which must be approved by us. By giving you written notice we 
may reduce your Credit Line from time to time, or with good cause, revoke your Card and terminate this Agreement. Good cause 
includes your failure to comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate 
this Agreement at any time, but termination by either of us does not affect your obligation to pay the Account balance. All Cards 
remain our property and you must recover and surrender to us all Cards upon our request and upon termination of this Agreement.

8. Credit Information. You authorize us to investigate your credit standing when opening, renewing or reviewing your Account and 
you authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your 
credit standing, to the extent authorized by applicable law.

9. Monthly Payment. We will mail you a statement each month showing your previous balances of Purchases, Balance Transfers, 
and Cash Advances, current transactions on your Account, the Minimum Payment required, and other information. Each month you 
must pay at least the Minimum Payment within 25 days of your statement closing date. You may, of course, pay more frequently, 
pay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the FINANCE CHARGE by doing 
so. Your Minimum Payment will be either (a) 2% of your Total New Balance, or $20.00, whichever is greater, or (b) your Total New 
Balance if it is less than $20.00. In addition, you must pay any portion of the Minimum Payment(s) shown on prior statement(s) 
which remain unpaid. If at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon 
our demand. Unless you otherwise instruct, we may apply your payments in such manner as we may elect.

10. Finance Charges. A FINANCE CHARGE will be imposed on all outstanding balances in your Account from the time they are 
posted to your Account; however, you can avoid FINANCE CHARGES on Purchases by paying the full amount of the New Balance 
of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases will be subject 
to a FINANCE CHARGE. Cash Advances and balance transfers are always subject to FINANCE CHARGE from the date that they 
are posted to your Account.

The periodic rate that will be applied to the balances in your Account is a variable rate based on the value of an index. The periodic 
rate  applicable  to  your  account  as  of  October  1,  2021  was  .0328493%  (corresponding  ANNUAL  PERCENTAGE  RATE 
11.99%). The index is the highest “Prime Rate” as published in the Wall Street Journal, Eastern Edition, on the 25th day of each 
month  (or  the next day that the Wall Street Journal is published if it is not published on the 25th day of the applicable month). 
Your  ANNUAL  PERCENTAGE  RATE  will  be  such  prime  rate  plus  8.74%.  Your  daily  periodic  rate  will  be  such  ANNUAL 
PERCENTAGE RATE divided by the number of days in the year. Any change in the periodic rate will be effective on the 1st day of 
your  next  billing  cycle  beginning  after  the  first  day  of  the  next  calendar  month.  The  interest  rate  applied  to  your  Account  will 
increase if the Prime Rate increases. Any  increase  in  the  periodic  rate  may  increase  the  number  of  payments  required  to  pay 
your  Account  balance  in  full,  and  may  cause  your  minimum  payment  to  increase.  Your  daily  periodic  rate  will  not 
exceed .049315% (18% ANNUAL PERCENTAGE RATE).

Your FINANCE CHARGE is based upon the average daily balance in your Account for the number of days in the billing cycle. The 
average  daily  balance  in  your  Account  is  determined  by  taking  the  beginning  balance  in  your  Account  each  day,  adding  any 
new Purchases, Balance Transfers, and Cash Advances and subtracting any payment or credits. This gives us the daily balance. 
Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives 
us  the  “average  daily  balance.”  The  FINANCE  CHARGE  is  determined  by  multiplying  the  average  daily  balance  by  the  daily 
periodic rate, and then by multiplying that product by the number of days in the billing cycle.

11. Other  Charges.  The  following  other  charges  will  be  added  to  your  Account,  as  applicable:  1)  If  you  are  10  days  late  in 
making  a  payment,  you  will  be  charged  $15.00;  2)  If  the  Credit  Union  does  not  honor  a  convenience  check,  you  may  be 
charged  a  non-sufficient  funds  fee  in  effect  at  the  time  the  check  is  dishonored  (up  to  $25.00  as  of  10/01/2021).  3)  If  your
account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.

12. Annual Maintenance Charge. You agree to pay an Annual Maintenance Charge for your VISA Account as follows:

VISA Platinum Rewards - $0.00.

Except as otherwise provided by law, your Annual Maintenance Charge is not refundable and will be charged to your Account as a 
Purchase. An Annual Maintenance Charge will be imposed as long as your Account has an unpaid balance.

13. Default. You will be in default if you fail to make any Minimum Payment or other required payment by the date that it is due. 
You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy 
or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or 
misleading statements in any credit application or credit update. You will also be in default if something happens which the Credit 
Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right 
to demand immediate payment of your full Account balance without notice. If immediate payment is demanded, you will continue 
to pay FINANCE CHARGE, at the periodic rate charged before default, until what you owe has been paid, and any shares that were 
given as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit 
Union’s collection expenses, including court costs and reasonable attorneys’ fees.

14. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they 
will do so by sending us a credit slip which we will post to your account. If your credits and payments exceed what you owe us, we 
will hold and apply this credit balance against future purchases, balance transfers, and Cash Advances, or, if it is $1.00 or more, 
refund it on your written request.

15. Amendment to Agreement. We may amend this Agreement at any time upon such notice as is required by applicable law. 
Unless the law otherwise provides, notice of amendment shall be mailed or delivered to you at least 15 days prior to the effective 
date of a change. Any amendments (including amendment of interest rate, interest rate formula or fees) will apply not only to future 
transactions, but also to all Account balances outstanding on and after the effective date of the change.
16. Foreign Transactions. To the extent that you have used your Truliant VISA card to purchase goods or services in-person or 
online, or obtain cash in another country, your statement may reflect the conversion into U.S. dollars of transactions which occurred 
initially in a different currency. Currently, VISA U.S.A. regulations provide that the exchange rate is either (1) a rate selected by VISA 
from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the 
rate  VISA  itself  receives  or  (2)  the  government  mandated  rate  in  effect  for  the  applicable  central  processing  date.  VISA  U.S.A. 
charges an International Service Assessment (ISA) fee of 1% which will be applied to each international transaction when foreign 
currency is converted because the merchant is using a non-US bank to process the transaction. The ISA will appear as a separate 
transaction on your statement.

17. Plan Merchant Disputes.  Except as provided by law, we are not responsible for the refusal of any plan merchant or financial 
institution to honor your Card. For a statement of your billing rights and our obligations with respect to disputes with plan merchants, 
see the statement: “YOUR BILLING RIGHTS,” which forms a part of this Agreement and disclosure.

18.  Agreement. This Agreement is the contract which applies to all transactions on your Account even though the Purchase 
slips, balance transfer requests, Cash Advance slips, credit or other slips you sign or receive may contain different terms. We may 
assign our rights under this Agreement. If we do, any amounts due on your Account shall belong to our assignee.

19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.

20. Statements and Notices. You will receive a statement each month showing transactions on your Account. Statements and 
notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be 
considered notice to all.

21. Closing or Suspending Your Account. You may contact a member service representative to close your Account. Truliant 
may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or 
suspend your Account for any reason, you must stop using your Card but you must still pay us all amounts you owe on the Account.

Security Interest – You grant us a security interest in all individual and joint share and/or deposit accounts you have with 
us now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security interest 
you have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you 
are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have 
an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

You are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and 
you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods 
when you are a covered borrower under the Military Lending Act.

DESCRIPTION OF REWARDS PROGRAM

1. You  will  earn  rewards  (“points”)  for  purchases  of  all  eligible  goods  and  services  using  the  Platinum  Rewards  Credit  Card
(“Card”). For point accumulation rate please access your Rewards card account via online banking at Truliant.org or contact us 
for detailed information.

2. Accrual of points may begin on the date you receive the Card and the Card Agreement.

3. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjust-
ments)  charged  to  the  Card  during  each  periodic  billing  cycle  (“billing  cycle”)  by  you  (“net  purchase(s)”).  Net  purchases  are 
rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the 
transaction will be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.

4. Points earned in integrated/custom programs can accumulate collectively to one account as permitted by us.

5. Points may not be combined with any other loyalty/frequency reward program.

6. Points will not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, 
balance transfers, late fees, annual fees, over-limit fees, transaction fees, returned check fees, ATM transactions and fees or PIN 
transactions. At our option, additional exclusions may be included in the rules governing the rewards program.

7. Please contact the rewards customer service department at 866-678-5189 for information about any maximum point accumula-
tion that applies to your program.

8. We reserve the right to award bonus points to selected cardholders.

9. Points are not your property and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic 
relations matter).

10. To view when your points expire, please visit Truliant.org and access your Rewards card account through online banking.

11. To redeem points, your Card account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason); 
current (meaning there are no past-due balances on your Card account(s) at the time of redemption request); your outstanding 
balance must not be over the credit limit; account must not have a revoked, charged-off or bankruptcy status; and the Card cannot 
have any other status preventing authorizations.

12. You agree to release us, the Rewards Provider and its vendors from all liability for any injury, accident, loss, claim, expense
or damages sustained by you, associated with a reward or use of rewards while participating in this program and in the case of a 
travel reward, anyone traveling with or without you, in connection with the receipt, ownership, or use of any reward. The foregoing 
entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of 
the reward.

13. You are responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning
tax consequences.

14. We and the Rewards Provider shall have no liability for disagreements with you regarding points. Discrepancies about point
earnings are not treated as card billing disputes. Our decisions regarding point discrepancies shall be final. Redeemed points are 
deducted from your point balance as of the request date of a reward.

15. Points can only be redeemed based on the points available at the redemption center.

16. Points cannot be offset against your obligation to us.

17. Points must be redeemed by you and may be used for another person.

18. We reserve the right to disqualify you from participation in the program and invalidate all points for abuse, fraud, or any viola-
tion of the program terms and conditions. We may make such a determination in our sole discretion.

19. The rewards program is void where prohibited by federal, state, or local law.

20. We and the Rewards Provider are not responsible for typographical errors and/or omissions in any program document.

21. We reserve the right to change the terms and conditions of the rewards program. At our option, redemption of points may be
restricted, limited, expired or cancelled at any time without prior notice.

22. The rewards program is a service provided through Augeo Consumer Engagement Services, LLC, and us. In the event of fraud, 
abuse of program privileges or violation of the program rules (including any attempt to sell, exchange or transfer points or the 
instrument exchangeable for points), we reserve the right to cancel your membership in the rewards program.

23. Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of
Columbia.

TRAVEL REWARDS

Call the Rewards Provider’s travel redemption center or visit the rewards website for all your travel needs. They are a full service 
agency that can assist you with air rewards, hotel, auto, vacation and cruise reservations. The hours of operation for the travel 
redemption  center  are  Monday  through  Friday  from  8:00  a.m.  to  9:00  p.m.  CST,  Saturday  and  Sunday  from  8:00  a.m.  to  4:00 
p.m. CST.

1. All Travel must be redeemed through Rewards Provider’s fully licensed redemption reservation center or online reservation site.
You must have a valid Card at the time of redemption.

2. All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance, without paying
the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to add-collects and fees 
charged by the airline and redemption center.

3. Lost, stolen or otherwise destroyed airline tickets will not be replaced, without you paying the standard fees charged by each
airline.

4. You  may  make  additional  travel  reservations  with  the  Rewards  Provider’s  travel  agency  using  our  Card.  The  travel  agency’s
normal and customary fees are billed to your Card for any additional services you require.

5. All travel documents will be issued the same day the reservation is made.

6. Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued.
You must call in any corrections or discrepancies by the close of business, the same day the ticket is issued. The travel redemp-
tion center will do their best to accommodate all changes and requests. Any changes or corrections done the following day or 
thereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.

7. Paper airline tickets are subject to the individual airline paper ticket fees.

8. If a paper ticket is issued, you have two options for delivery. You can sign a waiver stating that you accept responsibility for a
lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via over-
night delivery. Priority, Saturday and outside the 48 contiguous states, deliveries may be subject to additional shipping charges.

9. You  are  responsible  for  payment  of  any  excess  baggage  charges,  departure  taxes  or  other  charges  that  may  have  been
assessed by governmental entities as a result of travel under the rewards program.

10. Rewards Provider’s normal and customary fees associated with processing travel related services are billed to your Card.

11. We and Augeo Consumer Engagement Services, LLC are not responsible for the performance by the airlines of the ticketed
transportation.  All  reservations  are  made  subject  to  the  conditions  of  carriage,  supply  or  business  of  the  party  providing  the 
service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by 
this industry are done quickly and without notice, therefore, Reward redemption rules for air travel are subject to change without 
notice.

Specific restrictions may apply to certain travel rewards.

MISCELLANEOUS

Travel Credit

You may redeem points for a travel credit, which can be applied to any travel reservation including airline tickets and hotel res-
ervations. The travel credit will be immediately applied to the total cost of the travel reservation. You will then be responsible for 
paying the amount remaining after the travel credit is applied to the full value of the travel reservation. 

Airline Ticket

You may redeem points for a single lowest published airfare as follows:

1. Each free ticket must be ordered through the Rewards Provider for one round trip coach class airline ticket on a scheduled
U.S. or international carrier.

2. All free tickets must be for round-trip travel on the same airline or code share airline.

3. En-route  stopovers  are  not  permitted  unless  they  are  to  make  direct  connections.  Reservations  for  tickets  also  exclude  the
usage of charters.

4. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement
are met.

5. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

NON-TRAVEL REWARDS

Merchandise *

a. When necessary, the Platinum Rewards program Rewards Provider may substitute a reward with an updated model of equal
or greater value without advance notice. You will be notified of any change when ordering. The Platinum Rewards Provider may 
remove certain items and may replace or remove certain sections within any Rewards program literature or website. All rewards 
are subject to availability.

b. Merchandise rewards may take four to six weeks to arrive from the time of order. Multiple rewards may arrive at different times
from different vendors.

c. Merchandise cannot be shipped to an APO/FPO or PO Box addresses.

d. Merchandise that can be shipped by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto
Rico, Guam and the US Virgin Islands may have an additional freight charge billed to your Card.

e. Merchandise pictured in any Platinum Rewards program catalog or website may not necessarily reflect exact colors or models
of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the very best of our knowl-
edge. We and the Rewards Provider are not responsible for errors or omissions.

f. Points required for reward items are subject to change.

g. You may exchange merchandise only in the event of merchandise defects or damage in shipment. Any exceptions, damages,
or shortages must be noted on the delivery receipt before you sign to accept shipment of merchandise.

h. All merchandise is covered by manufacturer’s warranties. Any such defect should be handled through the standard manufac-
turer repair facility as noted with product. 

Gift cards, gift certificates and prepaid cards *

a. Points may be redeemed for gift cards or gift certificates from select merchants. Most gift cards or gift certificates are delivered
within 2-4 weeks, to the address specified on the order file with the Rewards Provider, as long as it is within the United States and 
its territories. Points may also be redeemed for prepaid cards. The prepaid cards, issued by Visa® and MasterCard®, may take 
up to 4-6 weeks for delivery and can only be shipped within the United States.

b. Gift cards, gift certificates and prepaid cards cannot be returned.

c. All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card, gift certificate
or prepaid card are your responsibility and are subject to the merchant’s policies in effect at the time of redemption. Purchases in 
excess of the amount of the gift cards are at your expense.

d. Gift cards, gift certificates and prepaid cards may also be subject to other restrictions imposed by the merchant. Gift cards
and gift certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.

e. Additional terms and conditions may be specified on the gift card, gift certificate, or prepaid card.

f. If a merchant declares bankruptcy the Rewards Provider is not liable for the underlying funds on the gift card or gift certificate.

g. No dormancy or service fees will be charged by this Rewards Provider on the underlying funds of the selected reward gift card
or gift certificate.

h. Once the gift cards, gift certificates or prepaid cards are redeemed and/or used, the cards are not returnable, exchangeable
or replaceable.

i. Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. The Rewards Provider abides by the mer-
chant’s policy. If a gift card or gift certificate is lost or stolen, once received by you, you must report the occurrence to the Rewards 
Provider immediately. We reserve the right to decline to replace lost or stolen gift cards or gift certificates.

j. If gift cards, gift certificates or prepaid cards have been ordered by you and not received by you (addressee), you must notify the 
Rewards Provider using the provided customer service number. You must notify the Rewards Provider no earlier than fifteen (15) 
days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notifica-
tion, the Rewards Provider will investigate. The Rewards Provider with its sole discretion may replace any non-received shipment, 
in which a full balance remains on a gift card or gift certificate.

k. The Rewards Provider is not responsible if a recipient or you defaces, damages or otherwise renders unsuitable for redemption
a gift card or gift certificate that was received from this reward site.

l. The prepaid Visa® and MasterCard® cards expire in 24 months from issuance. The expiration date is imprinted on the front of
the prepaid card. Expired prepaid cards cannot be replaced.

m. Visa is a trademark of Visa U.S.A. Inc.

n. MasterCard is a registered trademark of the MasterCard International Incorporated.

Cash back rewards *

The cash back reward(s) will appear as a credit on your Rewards Card within the next two billing statements. You are responsible 
for any outstanding balance owed on the account after the credit is applied. Cash back reward(s) cannot be applied toward the 
payment amount owed on your Rewards Card.

* The available rewards may not apply to your program.

YOUR BILLING RIGHTS

KEEP THIS DOCUMENT FOR 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:

Truliant Federal Credit Union 
Attn: Billing Rights Department
P.O. Box 26000
Winston-Salem, NC 27114-6000

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 it is
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 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 or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest 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:

Truliant Federal Credit Union 
Attn: Visa Department
P.O. Box 26000
Winston-Salem, NC 27114-6000

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our 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.

TRAVEL ACCIDENT INSURANCE DESCRIPTION OF COVERAGE

Principal Sum(s) Enrolled: Visa Credit Card: 
Benefit Amount, $250,000

THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT
ONLY POLICY AND DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS
This  Description  of  Coverage  is  provided  to  eligible  cardholders,  and  replaces  any  and  all  Descriptions  of  Coverage  previously 
issued to the insured with respect to insurance described herein.

Eligibility and Period of Coverage
You and your dependents1 become covered automatically when the entire Common Carrier fare is charged to your covered card 
account (“Covered Persons”). It is not necessary to notify the Financial Institution, the Insurance Company or Plan Administrator 
when tickets are purchased. Coverage ends when the policy is terminated or on the date your covered card terminates or ceases 
to be in good standing, whichever occurs first.

Benefits
Subject to the terms and conditions, if a Covered Person’s accidental bodily injury occurs while on a Covered Trip and results in 
any of the following Losses within one year after the date of the accident, the Insurance Company will pay the following percent-
age of the Principal Sum for accidental Loss of:

Life ................................................................................ 100%
Both hands or both feet ............................................... 100%
Sight of both eyes ........................................................ 100%
One hand and one foot ................................................ 100%
Speech and hearing ..................................................... 100%
One hand or one foot and the sight of one eye ........... 100%
One hand or one foot ..................................................... 50%
Sight of one eye ............................................................. 50%
Speech or hearing .......................................................... 50%
Thumb and index finger on the same hand ................... 25%

In no event will multiple charge cards obligate the Insurance Company in excess of the stated benefit for any one Loss sustained 
by a Covered Person as a result of any one accident. The maximum amount payable for all losses due to the same accident is 
the Principal Sum.
Loss means actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable Loss 
of sight, speech or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index 
fingers. The life benefit provides coverage in the event of a Covered Person’s death. If a Covered Person’s body has not been 
found within one year of disappearance, stranding, sinking, or wreckage of any Common Carrier in which the Covered Person was 
covered as a passenger, then it shall be presumed, subject to all other provisions and conditions of this coverage, the Covered 
Person suffered Loss of life. 
Injury  means  bodily  injury  resulting  directly  and  independently  of  all  other  causes  from  an  accident  which  occurs  while  the 
Covered Person is covered under this policy.
Covered Trip means a trip (a) while Covered Person is riding on a Common Carrier as a passenger and not as a pilot, opera-
tor or crew member, and (b) charged to your covered card, and (c) that begins and ends at the places designated on the ticket 
purchased for the trip. Covered Trip will also include travel on a Common Carrier (excluding aircraft) directly to, from or at any 
Common Carrier terminal, which travel immediately precedes departure to or follows arrival at the designation designated on the 
ticket purchased for the Covered Trip.
Common Carrier means any scheduled airline, land or water conveyance licensed for transportation of passengers for 
hire. Common Carrier does not include a conveyance operated for sport, recreation, and/or sightseeing activities or for any travel 
in any aircraft device for aerial navigation except as expressly provided in the policy.
Exclusion: No payment will be made for any Loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide 
or intentionally self-inflicting injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or Common Carrier except 
as a fare-paying passenger in an aircraft or on a Common Carrier operated by a regular schedule for passenger service over an 
established route; or (d) war or act of war, whether declared or undeclared. 
Beneficiary: Benefit of Loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits 
are payable to you.
Notice  of  Claim:  Written  Notice  of  claim,  including  your  name  and  policy  number  VTA00015  should  be  mailed  to  the  Plan 
Administrator within 20 days of a covered Loss or as soon as reasonably possible. The Plan Administrator will send the claimant 
forms for filing proof of Loss.
The Cost: This travel insurance is purchased for you by your Financial Institution.
Description of Coverage: This description of coverage details material facts about a Travel Accident Insurance Policy which has 
been established for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions 
of the plan are in the master policy, VTA00015, issued to the Visa USA Trust, Chicago, IL which is effective 4/1/03. Any difference 
between the policy and this description will be settled according to the provisions of the policy.
Questions: Answers to specific questions can be obtained by writing to the Plan Administrator:

CBSI Enhancement Services 
550 Mamaroneck Avenue
Harrison, NY 10528

Underwritten by: Virginia Surety Company, Inc., 1000 N. Milwaukee Avenue, Glenview, IL 60025

General Program Provisions, Travel Accident Insurance:
Travel Accident Insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred 
to as “the Company”). We reserve the right to change the benefits and features of all these programs.

VISA  USA  or  the  Company  can  cancel  or  choose  not  to  renew  the  insurance  coverages  for  all  insureds.  If  this  happens,  your 
Financial Institution will notify you at least 30 days in advance of the expiration of the policy. Such notices need not be given if 
substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance ben-
efits will still apply to Covered Trips commenced prior to the date of such cancellation or non-renewal, provided all other terms 
and conditions of coverage are met. Travel Accident Insurance does not apply if your Card privileges have been suspended or 
cancelled. However, Insurance benefits will still apply to Covered Trips commenced prior to the date that your account is sus-
pended or cancelled provided all other terms and conditions of coverage are met.

Coverage will be void if, at any time, you have concealed or misrepresented any material fact or circumstance concerning the 
coverage or the subject thereof of your interest herein, or in the case of any fraud or false swearing by the Insured relating thereto. 
No person or entity other than you shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or dam-
ages under or arising out of this coverage.

No action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of Loss has 
been furnished in accordance with the requirements of this Description of Coverage.

The Company, at its expense, has the right to have you examined, as often as reasonably necessary while a claim is pending. The 
Company may also have an autopsy made unless prohibited by law.
1  Your  spouse,  unmarried  dependent  child(ren),  under  age  19  (25  if  a  full-time  student).  No  age  limit  for  incapacitated  child. 
Incapacitated child means a child incapable of self-sustaining employment by reason of mental retardation or physical handicap, 
and chiefly dependent on you for support and maintenance. The maximum benefit payable for dependent children is the Principal 
Sum, not to exceed $500,000.