TCU VISA Platinum Rewards Credit Card Account  Agreement 

This TCU VISA  Platinum Rewards 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".   There are two parts to this TCU 
Visa Platinum Rewards Credit Card Agreement:  TCU  Visa Platinum  Rewards Credit  Card  Account  and the TCU  Visa Platinum  
Rewards Credit  Card Account  Agreement.  The TCU  Visa Platinum  Rewards Credit Card  Account  shows a range of terms that 
includes both mail and online offers for new accoun ts available under this Agreement as of  October 1,  2017.  The combination of 
terms that could apply to you  will differ depending on the specific card offer and on your  creditworthiness at the time of ap plication.  
Not  all  offers  will  contain  introductory  rates.    The  TCU  Visa  Platinum  Rewards  Credit  Card  Agreement  contains  important 
information related  to  consumer credit  cards  issued  by  TCU .  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 o thers 
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 a lso 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 28th 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: 

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2% of your New Balance, or $25.00, whichever is greater; plus, any amount Past Due  
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. 
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 Agr eement. 

Unless otherwise agreed or required by applicable law, your payments may be applied to what you owe us in any manner we choos e.  
However, in every  case, in the event  you make a payment in excess of the required Minimum Monthly  Payment, we will all ocate 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. 

Recurring  payments:   Visa has mandated that if you  choose to store your  account information with any third parties, we may also 
share updates to this information with these third parties.  Please note that this only  applies to third parties with whom yo u elect to 
share 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. 

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 Reward 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 cl osing 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 durin g 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 paymen ts 
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.   We  will charge Interest Charges and Fees to  your  Account  as 
disclosed on your Statement and other Disclosures.  In general, Interest Charges begin to accrue from the day a transaction occurs. 
However,  we will not charge you interest on any  new transactions posted to the purchase Segment of your Account if you  paid the 
total balance across all Segments of 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 pay less than the total balance and avoid  Interest Charges on new purchase Segment transactions.  
If we do, we will provide details in the specific offer. 

We will generally treat  Fees as purchase transactions unless otherwise specified below.  These  Fees apply to your Account only if 
your Interest Rate and Interest Charge Disclosures provide for them. We may increase your  Interest Charges and Fees as described 
in the Fees  and Charges section of this agreement. 

Interest  (Finance)  Charges  Calculation  Method  for  Balance  Transfers.  The  interest  (finance)  charges on  Balance  Transfer 
Transactions (“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) multi plied by 
the number of days in the Billing Cycle.  The average daily balance is dete rmined 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  ad d 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. We will charge Interest Charges and Fees to  your Account  as disclosed on your Statement 
and other Disclosures.  In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge 
you interest on any new transactions posted to the purchase Segment of your Account if you paid the total balance across all Segments 
of 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 
pay less than the total balance and avoid  Interest Charges on new purchase Segment transactions.  If we do, we will provide details 
in the specific offer. 

We will generally treat  Fees as purchase transactions unless otherwise specified below.  These  Fees apply to your Account only if 
your Interest Rate and Interest Charge Disclosures provide for them. We may increase your  Interest Charges and Fees as described 
in the Fees  and Charges section of this agreement. 

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 i s 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 divi ding 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 transacti ons 
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. Thi s gives us 
the Average  Daily Balance of your Account  (for Cash Advance transactions) for the Billing Cycle.  

Variable APR  for Cash  Advances.  We will charge Interest Charges and Fees to your Account  as disclosed on your Statement and 
other Disclosures.  In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you  
interest on any new transactions posted to the purchase Segment of your  Account if you  paid the total balance across all Segments 
of 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 
pay less than the total balance and avoid  Interest Charges on new purchase Segment transactions.  If we do, we will provide details 
in the specific offer. 

We will generally treat  Fees as purchase transactions unless otherwise specified below.  These  Fees apply to your Account only if 
your Interest Rate and Interest Charge Disclosures provide for them. We may increase your  Interest Charges and Fees as described 
in the Fees  and Charges section of this agreement. 

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 1st 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 a $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. For 
Michigan residents the fee is the greater of $15.00 or 5% of the minimum payment. 

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 c heck 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™, Android  Pay™, and Samsung  Pay™. 
Apple  Pay™,  Android  Pay™,  and Samsung Pay™  allows you  to  conveniently  make purchases with your  device  wherever  Visa® 
contactless payments are accepted. 
Please Note: In your Apple Pay™,  Android Pay™,  and Samsung 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™,  Android Pay™,  and Samsung Pay™ merchant asks for the last 4 digits of your card number. Pay  with Apple Pay™,  Android 
Pay™,  and Samsung Pay™ at participating merchants displaying the Apple® or Apple Pay™,  Android Pay™,  and Samsung Pay™  
symbols. 
Additionally, Apple Pay™,  Android Pay™,  and Samsung Pay™ can be used with participating merchants displaying the Apple Pay™ , 
Android Pay™ and Samsung Pay™ button when you’re shopping with an app. 
Apple Pay™ purchases you make with this card will be marked as “AplPa y” on your statements. 
Android Pay™ purchases you make with this card will be marked as “API” on your statements. 
Samsung Pay™ purchases you make with this card will be marked as “Samsung Pay” on your statements. 
Please note that you  may need to  accept additional terms and conditions before accepting and using Apple Pay™, Android Pay™, 
and Samsung 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 numb er) in this digital wallet are sub ject 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 Memb er Call Center at 1-800-552-4745 for additional information. 

Rewards  Program.  You  may  earn a  1.5% Rebate  (“Rewards”) on your  Net  Purchase Transactions, which is the  amount of  your 
Purchase transactions for goods or services, less any purchase refunds.  Rew ards are not earned on Cash Advance or  Balance 
Transfer transactions. The accrued Rewards will be shown on your monthly billing statement and the Rewards will be credited t o your 
Account,  annually, in October.  Rewards may not be redeemed for cash or servi ces and we may revoke your  Rewards, at any time, if 
you  exceed your  credit limit, become delinquent, are in default of your  Agreement, or close your  Account.    We  reserve the  right to 
amend this Rewards Program, at any time, upon notice. 

Commissions.  You understand and agree that we (or our affiliate) will earn commissions or fees on any insurance products and may 
earn such fees on other services that you buy through us or our affiliate. 

Security.   Collateral (other than household goods or any dwelling) g iven as security under this Agreement or for any  other loan you  
may have with us will secure 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 Information:  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, concerning you and your credit accou nts. You 
also authorize us to respond from time to time to requests from others for credit or experience information about you and your Accoun t. 

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. Yo u 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  o f  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 betwee n 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 liab le 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 Mo nthl y 
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 th at 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 withou t 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  if we determine that there has been a substantial adverse 
effect (insolvency) on your ability to repay the debt incurred on this account, you become incapacitated, upon your death, 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. 

Cross  Default:  You  understand and agree that  any  breach or  default of the  terms and conditions of this Agreement shall also be 
deemed 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 
the future with us. Further, you understand and agree that your breach or default of the terms and conditions of any other  loan, line of 
credit 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 
terms and conditions of this Agreement. This “Cross Default” agreement shall not apply to any  loan, line of credit account or credit 
card agreement by real property or where otherwise prohibited by Federal or State Law or Regulation . 

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 return 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 f eatures 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. 

Illegal  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 limit 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 trans actions 
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 control 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.  Th e 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  origin al 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 n ecessary, 
make inquires pertaining to  your  employment, credit standing and financial responsibility in accordance  wi th 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 wher e you live and use your Account,  or as may 
be required by the Military  Lending Act. 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 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: 
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 prob lem: 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 cor rect. 

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. 
• If we do not b elieve 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 our investigation, we w ill 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, 2017 TCU Form #PR1001217