Travis County Credit Union MasterCard Credit Card Agreement 
& Truth in Lending Disclosure 

Please retain for personal records 
This is your MasterCard Credit Card Agreement and Truth-In-Lending disclosure. This agreement and disclosure required by law, is designed to 
define the guidelines concerning your Account(s). 

This Agreement covers the MasterCard Credit Card Account issued by Travis County Credit Union (TCCU), a state chartered credit union with 
its main office located in Austin, TX. In this Agreement the words "you," "your," “yours,” and “cardholder,” mean any person who signs the 
Application for this Account, any joint party, guarantor, authorized user, or the person whose name is embossed on the card. The words "we," 
"us," and “our,” mean Travis County Credit Union or its successors. “Account" or “Account Information” means your MasterCard Card Account 
with us. The word "Card" means any one or more credit cards issued under this Account. If you sign the Credit Application for this Account or 
sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they 
signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account. 

Annual Percentage Rate (APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances  

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases 

Minimum Interest Charge 
For Credit Card Tips from the Consumer  
Financial Protection Bureau 

Annual Fee 
Additional Card Fee 
Transaction Fees 

Balance Transfer 
Cash Advances  
International Transaction Fee 

Penalty Fees 

Late Payment 
Over-the-Credit-Limit 
Returned Payment 

Other Fees 

         Effective September  01, 2014 

12.84% 
      Fixed 
12.84% 
      Fixed 
12.84% 
      Fixed 
None 
Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date (Grace Period) each month. 
If you are charged interest, the charge will be no less than $0.00 
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   
None 
$10.00 

None 
None 
1.1% of transaction amount 

$20.00 
$15.00 
$30.00 
None 

1. EFFECT OF AGREEMENT.   
This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advance or credit slips you sign or 
receive may contain different terms. Subject to applicable law, we may amend this Agreement including, but not limited to, changing the rate or 
method of determining the FINANCE CHARGE, by sending you the advance written notice required by law. To the extent the law permits, and 
we indicate in our notice, amendments will apply to your existing Account balance as well as to future transactions. 

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 Account. For example, you 
are responsible for charges made by anyone else to whom you give the card or card number, 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 in 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; 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. 

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3. FINANCE CHARGE 
You can avoid the FINANCE CHARGE (interest) 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, and subsequent purchases from the date they are posted to 
your Account, will be subject to a FINANCE CHARGE. Cash advances, which include balance transfers, are always subject to FINANCE 
CHARGE from the date they are posted to your Account. The FINANCE CHARGE (ANNUAL PERCENTAGE RATE) is calculated at 12.84%. 
The FINANCE CHARGE will be applied to the average daily principal balances of purchases and cash advances of your Account. Because your 
Minimum Payment remains the same, any increase in the ANNUAL PERCENTAGE RATE will increase the number of your payments, but will 
not increase the amount of your payments. There is no maximum ANNUAL PERCENTAGE RATE, except that the ANNUAL PERCENTAGE 
RATE will not exceed the highest permitted by applicable law. We figure the FINANCE CHARGE as follows:  

Interest Charge Calculation Methods (ICM) and Computation of Balance Subject to Interest Rate. The Interest Charge Calculation 
Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your 
card is specified on the front side of your monthly statement and explained below: 

Method F- Average Daily Balance (including new transactions). To avoid incurring additional Interest Charges on the beginning balance of 
cash advances (and purchases if Method F is specific as applicable to purchases) reflected on your monthly statement you must pay the 
Beginning Balance shown on your monthly statement on or before the Payment Due Date. No grace period is provided for current cycle 
transactions. 

The Interest Charges for a billing cycle are computed applying the Period Rate to the “average daily balance” of cash advances (and if 
applicable purchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or 
cash advances and subtract any payments, credits, non-accruing fees, and unpaid interest charges. 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. 

Method G- Average Daily Balance (including new transactions). To avoid incurring additional Interest Charges on the balance of purchases 
(and cash advances, if Method G is specified as applicable to cash advances) reflected on your monthly statement and, on any new 
purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the entire “New Balance” in full, shown 
on your monthly statement, on or before the Payment Due Date. 

The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the “average daily balance” of purchases (and if 
applicable, cash advances). To get the average daily balance, we take the beginning balance of your account each day, add any new 
purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. 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. 

Other Interest Charges: In addition to the finance charges discussed above, other charges will be applicable to your Account. Please refer to 
the enclosed rate disclosure. 

Interest paid or agreed to be paid under this Agreement shall not exceed the maximum amount allowed under the applicable law. If we receive 
anything of value which may be deemed interest under applicable law, and which would exceed the maximum amount authorized under 
applicable law, the excess shall be applied to the reduction of the unpaid principal amount you owe under this Agreement or will be refunded 
to you. 

4.  ADDITIONAL FEES. For a listing of fees charged in association with this card, please see the Rates and Fees Disclosure Table 
accompanying this Agreement. These charges will not be imposed if Holder’s request is in connection with or delivery of the documents in 
response to an alleged billing error under Regulations E or Z issued by the Board of Governors of the Federal Reserve System. Fees imposed 
will be posted to Holder’s account. 

5. MONTHLY STATEMENTS AND PAYMENTS 
Each month if your balance exceeds $1.00 or there was activity on your Account, we will send you a statement showing 1) your Previous 
Balances of purchases and cash advances, 2) the current transactions (new purchases and cash advances) on your Account, 3) the remaining 
credit available under your Credit Line, 4) the New Balances of purchases and cash advances, 5) the Total New Balance, 6) the FINANCE 
CHARGE due to date, 7) any other billed fees, and 8) the Minimum Payment required. Every month you must at least pay the Minimum Payment 
required within 25 days of your statement closing date as shown on your monthly statement. You may pay more frequently, pay more than the 
Minimum Payment, or pay the Total New Balance in full, and reduce the FINANCE CHARGE by doing so. The Minimum Payment will either be 
1) 5% of your Total New Balance or $20.00, whichever is greater, or 2) your Total New Balance, if it is less than $25.00, plus 3) any portion of 
the Minimum Payment(s) shown on prior statements which remains unpaid. In addition, at any time your total New Balance exceeds your Credit 
Limit, you must immediately pay the excess upon our demand. We will apply your payments in the following order: 1) to all collection penalties 
and other Account fees, 2) to the previously billed and unpaid FINANCE CHARGE on purchases, 3) to the previously billed and unpaid 
FINANCE CHARGE on cash advances, 4) to cash advances, 5) to previously billed purchases, 6) to new transactions, whether or not billed on 
the monthly statement. However, any payment equal to, or greater than, the Previous Balance of Purchases will be applied first to that balance 
and any FINANCE CHARGE on that balance so as to avoid continuing accrual of FINANCE CHARGE on that amount. Purchases and cash 
advances will be paid off in the order they were posted to your Account. If two or more purchases were posted on the same day, your payment 
will be applied to the smallest purchases first. You will be responsible for all matters shown on each monthly statement unless you notify us in 
writing of any dispute within 60 days after the statement date in the manner required by the notice “Your Billing Rights” (in section 16 of this 
agreement).   

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Payments can be mailed to: 
MasterCard 
PO Box 31279 
Tampa, FL  33631-3279 

Payments may be made in person at a Travis County Credit Union Office. 

Payment Crediting and Credit Balance. Payments received by 5PM at the location specified on the front of your monthly statement after the 
phrase “Please Mail Your Payment To:” will be credited as of the date of receipt to the account specified on the payment coupon.  Payments 
made in person during normal business hours at branch locations where such payments are accepted will be treated as received on the same 
day. Payments must be made in U.S. dollars. Payments that do not conform to the requirements set forth on or with the periodic statement 
(e.g. missing payment stub, payment envelope other than as provided with your statement, multiple checks or multiple coupons in the same 
envelope) may be subject to delay in crediting, but shall be credited within five days of receipt. If there is a credit balance due on your account, 
you may request, in writing, a full refund. Submit your request to the address indicated on the front of your statement after the phrase. 

6. DEFAULT 
You will be in default if you fail to make any Minimum Payment within 25 days after the monthly statement closing date, which is your payment 
due date. You will be charged a late fee if a payment is not received within 10 days of the payment due date. You will also be in default if 1) your 
ability to repay us is materially reduced by a change in your employment or an increase in your obligations, 2) there are bankruptcy or insolvency 
proceedings involving you, 3) you die, 4) you make a misrepresentation in connection with your Account, 5) you default on any obligation to us, 
under this Agreement or otherwise, 6) you exceed your Line-of-Credit. We have the right to demand immediate payment of your full Account 
balance if you are in default. You specifically authorize us to deduct all or any part of the amount in default from any deposit account in which 
you have an ownership interest, unless prohibited by applicable law. If permitted by law, you will also be required to pay our collection expenses, 
including court costs and reasonable attorneys' fees. You expressly waive any right to notice or demand, including but not limited to demand 
upon default, notice of intention to accelerate, and notice of acceleration. The failure of the credit union to exercise any right or take any action 
shall not constitute a waiver, amendment or change in any of the terms of this Agreement. 

7.  ADDITIONAL SECURITY 
Collateral securing other loans you have with us now or in the future may also secure amounts you owe under this Agreement. However, in the 
event the Credit Union has a mortgage or lien on your residence, whether now or in the future, your residence will secure only those loans to 
which reference is made in any such mortgage or lien and will not secure the amount you owe the Credit Union under this Agreement. 

8. LOST CARD NOTIFICATION 
If you believe your Card or Account Information has been lost or stolen, you should immediately call MasterCard at 1-727-570-4881. This is a 24 
hour access number; however, if you are unable to reach this number, please call us at 866-604-0381. Our address is 1101 North IH 35, Austin, 
TX  78702. Notification that your card has been lost or stolen may be given by telephone or an in-person visit to TCCU. 

9. LIABILITY FOR UNAUTHORIZED USE 
You may be liable for the unauthorized use of your Card. You may be liable if the Personal Identification Number (PIN) is written on the card. 
You will not be liable for any unauthorized use of your Card that occurs after you notify us orally or in writing of the loss, theft or possible 
unauthorized use. In any case, your liability will not exceed $50.00. If you notify us orally, you should confirm your loss by writing us at Credit 
Card Security Department. 

Attn. Fidelity - Customer Service 
P.O. Box 30495 
Tampa, FL 33630 

10. CREDIT LINE 
If we approve your application, we will establish a 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 Line-of-Credit. Each payment you make on the Account will restore your Line-of-Credit by the 
amount of payment which is applied to the principal. By giving you written notice we may reduce your Line-of-Credit at any time. We may also, 
with good cause, revoke your Card and terminate this Agreement. Good cause includes your failure to comply with this Agreement, or our 
adverse re-evaluation 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 us the Account balance. The Cards remain our property and you must get back and return to us all Cards upon our 
request and upon termination of this Agreement. “Line-of-Credit” may also be called Credit Limit in this Agreement and in your monthly 
statement. 

11. 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 ask us about your credit standing. 

12. USING THE CARD 
You may use the card issued to you to make purchases in person, by mail, by telephone, or by Internet from merchants and others who accept 
MASTERCARD credit cards. In addition, you may obtain cash advances from TCCU, from other financial institutions participating in the 
MasterCard program and from ATMs (automated teller machines) that participate in the ATM MASTERCARD program. You will need to use your 

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PERSONAL IDENTIFICATION NUMBER (PIN) to obtain a cash advance from an ATM. Cash advances from ATMs may not exceed a total of 
$300 per day. Any transaction which would cause the daily limit to be exceeded will be refused. You agree that all transactions that you initiate 
by use of your MasterCard Credit Card Account are legal in the jurisdiction where you live and/or where the transaction occurred. You agree to 
repay according to the terms of this Agreement all transactions you initiate by use of your Credit Card Account whether deemed legal or illegal. 

13. FOREIGN TRANSACTIONS 
If you use your card for transactions in a currency other than U.S. dollars, the transactions will be converted to U.S. dollars. The exchange rate 
between the transaction currency and the billing currency used for processing international transactions is a rate selected by MasterCard from 
the range of rates available in wholesale currency markets for the applicable central processing date, plus or minus any adjustments that the 
Issuer determines. If a credit is subsequently given in currency other than U.S. dollars and has a different processing date, then the exchange 
rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction 
processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted to your Account. You 
agree to accept the converted amount in U.S. dollars. 

14. PLAN MERCHANT DISPUTES 
We are not responsible for the refusal of any MASTERCARD plan merchant or financial institution to honor your Card. We are subject to claims 
and defenses (other than tort claims) arising out of goods or services you purchase with the Card only if you have made a good faith attempt, but 
have been unable to obtain satisfaction from the MASTERCARD plan merchant, and 1) your purchase was made in response to an 
advertisement we sent or participated in sending you; or 2) your purchase cost more than $50.00 and was made from a MASTERCARD plan 
merchant in your state or within 100 miles of your home. Any other disputes must be resolved by you directly with the MASTERCARD plan 
merchant. 

15. SPECIAL RULE FOR CREDIT CARD PURCHASES 
If you have a problem with the quality of property or services that you purchased with a 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 property or services. 
There are two limitations on this right: 

1.  You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing 

address; and 

2.  The purchase price must have been more than $50.00. 

These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the property or services. 

16. YOUR BILLING RIGHTS 

KEEP THIS DOCUMENT FOR FUTURE USE 

This notice contains important information about your rights and responsibilities under the Fair Credit Billing Act. 

NOTIFY US IN CASE OF ERRORS OR 
QUESTIONS ABOUT YOUR STATEMENT 

If you think your statement is wrong, or if you need more information about a transaction on your statement, write to us on a separate sheet at: 
Fidelity - Customer Service, P.O. Box 30495, Tampa, FL 33630. Write to us as soon as possible. We must hear from you no later than 60 days 
after we sent you the first statement on which the error or problem appeared. You can telephone MasterCard at their 24 hour Customer Service 
access line 1-800-299-9842 but doing so will not preserve your rights. 

In your letter, give us the following information: 

1.  Your name and account number. 

2.  The dollar amount of the suspected error. 

3.  Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not 

sure about. 

If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to 
occur. 

17. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or 
explain why we believe the statement was correct. 

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After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements 
for the amount you question, including the FINANCE CHARGE, and we can apply any unpaid amount against your credit limit. You do not have 
to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. 

If we find that we made a mistake on your statement, you will not have to pay any FINANCE CHARGE related to the questioned amount. If we 
didn't make a mistake, you may have to pay the FINANCE CHARGE, and you will have to make up any missed payments on the questioned 
amount. In either case, we will send you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may report you as delinquent or in default. However, if our explanation does not satisfy 
you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question on 
your statement. And we must also tell anyone we report you to that the matter has been settled between us when it is finally settled. 

If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your statement is correct. 

18. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASE. 
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 flowing 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 (or electronically) at the address 
shown on your monthly billing statement. 

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. 

19. AMENDMENTS. Issuer may amend these regulations from time to time by sending Holder advance written notice not less than 90 days prior 
to the effective date for any change that is either adverse to Holder’s outstanding balance or increases certain fees, as required by the Texas 
Consumer Act from time to time, or not less than 15 days prior to the effective date for other changes, or as may otherwise be required or 
permitted by law. Notices are deemed given when mailed by Issuer to any Holder to the current address for mailing monthly statements.  

20. GOVERNING LAW. Holder agrees to be governed by the Texas Consumer Act with respect to all aspects of the transactions arising under 
these regulations. All statutory references are to the statutes as they may be renumbered or amended from time to time. 

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