Credit Card Loan Disclosure TTCU Credit Card Information: The information about the costs of the cards described in this application is accurate as of - This information may have changed after that date. To find out what may have changed, call us at 1-800-234-8828 or write us at PO Box 4999, Tulsa, Oklahoma 74159-0999. Note: Platinum Card minimurn credit tine is $1,000.   Interest Rates and Interest Charges   Features VISA Platinum Card   Annual Percentage Rate (APR) for rach 9.90%.18.99% wo ocrccseves when you open the account. After that, your APR will vary with the market based on the Prime Rate as set out in the Variable-Rate information section of your Agreement.   Annual Percentage Rate (APR) for Cash Advances & Balance Transfers 9 9 O 0/ 1 S 9 9 O/ # 0 te ii 0 based on your creditworthiness when you open the account. After that, your APR will vary with the market based on the Prime Rate as set out in the Varlable-Rate information seclion of your Agreement.   Your due date is at least 25 days after the close of each billing cycle. We wilt not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash NA voi i terest on How to Avoid Paying In advances and balance transfers on the transaction date. purchases   To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal For Credit Card Tips from the Federal Reserve Board at http://www. federaireserve.gov/creditcard, Reserve Board     Fees   Annual Fee None   Transaction Fees       Transaction Fee for Cash Advances and O% of advance Balance Transfers Foreign Transaction 8% of each transaction in US dollars Foreign Transaction 1.0% of the converted transaction amount   Penalty Fees Late Payment Up to $15.00 Returned Check Fee or ACH Fee Up to $15.00             How We Will Calculate Your Balance; We use the method called the “average daily balance (including new purchases)". Biling Rights: Information on your right to dispute transactions and how to exercise these rights is provided in your account agreement,   I/We are making application for a TTCU credit card account indicated above. I/We by signing, using, or permitting another to use the crediz card agree that I/We will be bound by the terms and conditions of the Card Holder Agreement which will be provided as well as ai amendments, Everything that 1/We have stated in the application is reasonably correct and is made for the purpose of obtaining credit, i/We authorize the dissemination of the information contained herein, on the application and cther loan documents to joint applic. understand that you will retain this application and ali supporting documents you require whether or pol itis approved. You are author to periodically check my credit and employment tus and history. You are authorized to answer questions about your credil experiance with me, from other lenders, other departments of the credit union and apprepriate credit reporting agencies. You are authorized to store personal and financial information and igan documentation electronicaily in Heu of paper documents, } understand that sporoved identification wili be required to complete this transaction in accerdance with the Patriot Act.   Liwe a               shighainiggeiaienasndacoay Privacy Policy Copyright @ 2005 TTCu CURE ODER ES Al Rights Reserved LENDER   Aes Ban enes me erode wk be Tater Lay Roektg the Hed te Ages! Keating Potertanty dcP O BOX 4999 TULSA, OK 74159-0999 CAP 000077 #2 S1 C (027813) 027813 WDevoQeteaEDDeaceDDanaQDavedendaUDosncel Doct DeonslLooelelodel MMT A    CREDIT LIMIT: |, ISSUED BY: TULSA TEACHERS CREDIT UNION 3283 Dear Cardholder: Your new Card is enclosed. The Terms governing the use of this account are printed on the reverse side of this form or are enclosed. These Terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The Disclosures required by federal law are set forth below or are enclosed, and we are also enclosing a separate statement containing important information regarding your rights to dispute billing errors. Keep these forms so you can refer to them if you have an uestions regarding your account. VISA     Cards Account number M17/ DISCLOSURES REQUIRED BY FEDERAL LAW 1. FINANCE CHARGES: a)Calculation Methods - Cash Advance: F Credit Purchases: G (See reverse side for calculation method descriptions). b) Periodic Rates used to compute FINANCE CHARGES- Cash Advances: .825 %per month Credit Purchases: Corresponding ANNUAL PERCENTAGE RATES- .825 % per month Cash Advance; Credit Purchases: -_ % c) For Cash Advances obtained Over the Counter equal to or greater than $ .00 a FINANCE CHARGE equal to the greaterof$ .00 or .00 %of thecash advance will be imposed; however this charge will not exceed $ .00 for each Over the Counter Cash Advance. For Cash Advances obtained at an Automated Teller Machine (ATM) equal to or greater than$ .00 a FINANCE CHARGE equal To the greater of $ .00o0r .00% of the cash advance will be imposed; however this charge will not exceed $ .00 for each ATM Cash Advance. A transaction fee may also be imposed by an ATM operator, not holding your account, or by any national, regional or local network used to complete a Cash Advance transaction. 2. OVER LIMIT CHARGES: Cardholder shall immediately pay the amount by which the total New Balance exceeds the maximum authorized credit. An Over Limit Charge equal to the greaterof$ .00,or .00 % of the Amount over limit, shall be imposed, notto exceed $ .00 (For California accounts see, Sec. 9). 3. ANNUAL FEE: a) A non-refundable Annual Fee of $ your account, or - b) Using Plan Q (see Sec. 11) An Annual Fee/EINANCE CHARGE OF $ _ .00 plus applicable taxes shall be charged unless, for the time period analyzed, you charged more than $  Oorhadmorethan 0 transactions on your card. 4, MINIMUM PAYMENT: a) The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than$ 10.00 b) If the New Balance exceeds $ 10.00 the minimum paymentis 2.00 % of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $ 10.00 , whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any amount past due. .00 plus applicable taxes, shall be charged to 5. LATE CHARGES: If the minimum required payment is not received within 01 days after the Closing Date subsequent to the payment Due Date, a late charge equal to the greater of $ 15.00 ,or .0 % of the unpaid portion of the past due amount is imposed, but not to exceed $ 15.00. 6. The only FINANCE CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction FINANCE CHARGES in connection with Cash Advances, or International Transaction Fees (i.e. cross-border and/or currency conversion fees) of up to 1%, which may qualify as a FINANCE CHARGE (see item O. on back), if part of your plan. Transactions FINANCE CHARGES for each Cash Advance will be imposed on the date the Cash Advance was posted to your account. No grace period applies on any transaction FINANCE CHARGE imposed for Cash Advances. 7. Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made. 8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE CHARGES, unless prohibited by law. 9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any charge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent, whichever is less. No more than one over limit charge may be assessed within a single monthly billing cycle. 10, If you have other loans or credit extensions from Issuer, or take out other loans or credit extensions with Issuer in the future, collateral securing those loans or credit extensions will also secure your obligations under this agreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this agreement even if Issuer has, or later acquires, a security interest in the household goods or a mortgage on the dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (checking, savings, or share accounts) or other funds held by Issuer to secure your obligations under this credit card plan, such accounts and/or funds are additional security for your obligations to Issuer arising from the use of your Card. 11. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 3.b, only includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances; Plan 3: Net Sales; Pian 4: Net Cash Advances; Plan 5: Gross Sales plus Gross Cash Advance; Plan 6: Net Sales plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month period; however, initial time period may be less than 12 months as it begins on the date you were notified of this program. Annual Fees shall not be waived for cardholders in default). NOTICE: See separate statement for important information regarding your rights to dispute billing errors. IMPORTANT NOTICES *SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARDS(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW. *SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT. LOST OR STOLEN CARD CALL (727) 570-4881. SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES. VIEW YOUR ACCOUNT ONLINE AT www.eZCardIinfo.com VL 130216 VAM) MU A IMTPERIODIC FINANCE CHARGE CALCULATION METHODS The periodic Finance 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 in Section 1 on the Disciosure on (he reverse side and explained below: Methad A - Average Daily Balance {including current transactions}. The Finance Charge on purchases begins from [he date the transaction is pasted to your account and the Finance Charge on cash advances begins from the dale you obtained the cash advance, or the first day of he billing cycle in which it is posted to your account, whichever is later. There is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance” of your account. To get the average daily balance, we lake 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 finance charges. This gives us the daily baiance. Then we add up ail [he daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method E - Average Oaily Balance (excluding current transactions). To avoid incurring an additional Finance Charge on the balance of purchases {and cash advances if Method E is specified as applicable to cash advances) reflected on your monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases extends to the Payment Due Date. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the “average dally balance* of purchases (and if applicable, cash advances}. To get the average daily balance, we lake the beginning balance of your account each day and subtract any payments, credits, Non-accruing fees, and unpaid finance charges. We do not add in new purchases or cash advances. This gives us the daily balance. Then we add up all the daily balances for Ihe billing cycle ang divide the total by lhe number of days in the billing cycle. Method F - Average Daily Bafance {including current lransactions}. To avoid incurring an additional Finance Charge on the beginning balance of cash advances {and purchases, if Method F is specified as applicable to purchases) reflected on your monthly statement, you myst pay the Beginning Balance shown oa your monthly statement on of before the Payment Due Date. No grace period is provided for current cycle transactions. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the “average daily balance” of cash advances (and if applicable, purchases). To get the average daily balance, we take the beginning Daiance of your account each day, add any new purchases cr cash advances, and subtract any paymenis, credits, non-accruing fees, and unpaid finance charges . This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide (he total by Ihe number of days in the billing cycle, Method G - Average Daily Balance (including current transactions). To aveid incurring an additional Finance Charge on the balance of purchases {and cash advances, if Method Gis specified es applicable to cash advances) reflected on your monthiy statement anc, on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay Ihe New Balance, shown on your monthly slatement, on or before the Payment Due Date. The grace period for the New Balance of purchases extends to the Payment Bue Dale. The Finance Charges for a billing cycle are computed by applying Ihe monthly Periodic Rate to the "average daily balance” of purchases (and if applicable, cash advances). To gel the average daity 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 finance charges. This gives us the daily balance. Then we add up ail the daily balances for the billing cycle and divide the tolal by the number of days in the billing cycle. TERMS GOVERNING THE USE OF YOUR CARD The person ("“Gardhalder”) whose name is embossed on the face of the VISA ("Card") enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the same account number, by signing or using said Card, receipt of which is acknowledged, agrees with the [ssuer of the Card whose name is printed on the reverse (“issuer”) as follows A, Goods and services ("Credil Purchases") may be purchased or teased by means of such card by Cardholder from any retail Business establishment ("seller") who honors same upon the execution of a sales slip evidencing such Credit Purchases and bearing the account aumber of Cardholder embossed on the face of such Card, Additionally, VISA Cash Advances ("Loans"} may be obtained through use of such Card (a) upon execution of a written requast of Cardholder in a form furnished to Cardholder from aay financial institution that is a member, alone or in associalion with others, of VISA U.S.A. inc. and (b} upon execution of a written separate agreement with Issuer for a VISA overdraft financing agreement jf offered by Issuer, 8. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than the Cardholder (a} who does not have actual, implied or apparent authority for such use, and (b} from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card bearing Cardholder's account number that has been issued to another person by reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request (ail such Cards bearing the VISA account sumber hereinafter collectively called ("Related Cards"). C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on the reverse) for participation in the Issuer's credit card plan. Such annual membership fee shall be imposed whether or not Cardholder uses the card fo obtain credit purchases and loans. The membership fee shai be charged lo Cardholder's account each year in the month of issuers cheice. The membership fee is not refundable {n the event of lermination of the account by either Cardholder or Issuer unless otherwise provided for by law. O. Each Card is the property of issuer, is not transferable and must be surrendered upon demand. it can be canceled as well as repossessed by Issuer or its designee, anc the privileges thereof revoked, at any time without prior nalice. . Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholders indebtedness to Issuer to an amount in excess of the limit established by Issuer. F. Atl Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financiai Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shail be shown as a credil on Cardholder's account statement with Issuer, SG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period ail VISA Card and Related Card transactions. Such statement shail be deemed correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such slatement. Cardholder wil pay such stalement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, al Cardholder's option, an installment equal to at feast the required minimum payment stated in Section 4 on the reverse, H. Interest on Loans and Credit Purchases will be charged in accordance wilh the finance charge calculation method referred to in Section 7 of the disclosures on the reverse side. The rate of interest shall be established by Issuer from time to ime, but shall never exceed the maximum rate permitted by law, The current interest rate per annum is the Annual Percentage Rate set forth in Section 1 of the Disclosures on the reverse side. |. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, oris deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his property, Issuer may elect to declare all amounts then owed to issuer lo be immediately due and payable without notice or demand of any king, If Cardholder has other loans from issuer, or takes out other loans wilh issuer in the future, collateral securing those loans will also secure the Cardholder's obligations under this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not secure Cardholder's obligations under this agreement even if issuer has or later acquires a security inlerest in the household gaods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including reasonable ailorney’s fees and also those cosls, expenses and attorney's fees incurred in appellate, bankruptcy and post-judgement proceedings, except to the extent such costs, fees or expenses are prohibited by law, J. This agreement may be amended from time to time by Issuer by writen notice mailed to Cardholder at Cardholder's last known address. K. Except to the extent that Federal law is applicabie, the validity, construction and enforcement of this agreement and ail malter’s arising out of the issuance and use of the Card shail be governed by the laws of the state in which the principal office of issuer is located. L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, request a replacement card or use your card for # lransaction al an automated Leifer machine, if such charges are noi prohibited by law or regulation. No finance Cirarge will be assessed on such additional charges. M. if itis believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONGE, in order lo minimize possible losses. In most cases, the Cardholder will not be iiable for any unauthorized transaclions unless it is determined thal the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in writing at: Credit Card Security Department Telephone Number P.O. Box 30035 (727) 570-4881 Tampa, Florida 33630 N, Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. O. Payments must be mace to the Issuer in U.S, dollars drawn on a U.S. Financiat Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The exchange rate for transactions in a foreign currency will be 2 rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the gavernment mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a #% conversion or processing fee. P, issuer shall have sole discretion in how payments are applied to cardholder's account. issuer may accept checks marked "Payment in Full” or with words of similar effect without losing any of Issuer's rights to collect the full balance of Cardholder's account. Q, issuer can reinvestigate and reevaluate any information Cardhotder provided on Cardholder's credit application at any time, and in the course of doing so, issuer may ask Cardholder for additional information, request credit bureau reports and/or otherwise verify Cardholder's current credit standing. R. Cardholder agreas that Issuer may re-release information to others, such as credit bureaus, regarding the slatus and history of Cardholder's account, However, issuer is not obligated to release any such information to anyone unless Issuer is required by iaw to do so. S. Cardholder agrees thal Cardholder's account shall be subject to all applicable rutes and regulations of VISA U.S.A. inc., as applicable, as well as al! applicable iaws. If there is any conflict between the provisions of this Agreement and the rules and regulations of VISA U.S.A. Inc, the rules and regulations of VISA U.S.A. inc. shalt control. Your Visa Card may nol be used for any illegal {ransaction(s). issuED ON: 04102012 11-16-09 mbsdaldeg 1001000