VISA Platinum Agreement and Disclosure 

This agreement is between you and Team One Credit Union. 

In  this  Agreement,  "card"  means  any  VISA  credit  card  issued  to  you  or  any 
authorized user by Issuer. "Cardholder" means each person who has signed 
the  VISA  Application in connection with  this Account.  "Account" means  each 
account  Issuer  maintains  under  this  Agreement.  Cardholder  agrees  to  be 
bound  by  this  Agreement  when  he  or  she  signs  Issuer's  VISA  credit  card 
application, signs or uses a card, or permits someone else to use a card. 

1   Use of Card. Goods and services ("Credit Purchases") may be purchased 
or  leased  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  Purchase  and  bearing  the  account  number  of 
Cardholder  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 request of Cardholder in a form furnished to Cardholder from any 
bank that is a member, alone or in association 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,  if  offered  by  Issuer:  Cardholder 
understands  and  agrees  that  VISA  cards  may  not  be  used  for  any  illegal 
transaction. 

2  Promise  to  Pay.  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. 

3  Authorized  Users.  Issuer  may,  at  the  request  of  the  Cardholder,  issue 
additional  cards  for  use  by  persons  designated  by  such  Cardholder  as 
"authorized  users".  Cardholder  should  not  let  anyone  else  use  his  or  her 
card.  Participating merchants  and banks  are  not  required  to  honor  a  card 
unless  it  is  presented  by  the  person  whose  name  is  printed  on  the  card. 
Cardholder  shall  be  jointly  and  severally  liable  and  agrees  to  pay  for  all 
Credit  Purchases  and  Cash  Advances  obtained  through  the  use  of  any 
card by an authorized user. 

4  Statements.   Issuer    will   send   to    Cardholder,   at    regular    intervals 
determined  by  Issuer,  a  statement  reflecting  for  the  prior  period  all  card 
transactions.  Such  statement  shall  be  deemed  correct  and  accepted  by 
Cardholder unless Issuer is notified to the contrary in writing within 60 days 
of mailing/providing access to such statement. 

5  Payments.  Each  month  you  must  pay  at  least  the  minimum  payment 
amount shown on your statement by the date specified on the statement.  
You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or 
pay  the  total  new  balance  in  full.  If  you  make  extra  or  larger  payments, 
you are still required to make at least the minimum payment each month 
your account has a balance (other than a credit balance).  For our VISA, 
the minimum periodic payment required is the total new balance as shown 
on  Cardholder's  monthly  billing  statement  if  the  amount  is  under  $25.00. 
Otherwise, the minimum periodic payment is 3% of the unpaid balance or 
$25.00,  whichever  is  greater.  The  Credit  Union  will  apply  each  payment 
from highest to lowest interest rate. Cardholder will pay such statement by 
remitting  to  Issuer  within  25  days  of  the  closing  date  reflected  on  the 
statement  either  the  full  amount  billed  or,  at  Cardholder's  option,  an 
installment equal to at least the required minimum payment. 

6   Method of Computing the Finance Charge. The total finance charge for 
a billing cycle is the finance charge imposed on Credit Purchases plus the 
finance charge imposed on Cash Advances. 

(a)   Cash   Advances-Average   Daily   Balance   (Including   New 
Advances).  A  finance  charge  will  be  imposed  on  Cash  Advances  from  the 
date  made.  The  finance  charge  on  Cash  Advances  for  a  billing  cycle  is 
computed by applying the monthly periodic rate to the average daily balance 
of  Cash  Advances  for  the  billing  cycle,  which  is  determined  by  dividing  the 
sum  of  the  daily  balances  by  the  number  of  days  in  the  billing  cycle.  Each 
daily  balance  of  Cash  Advances  is  determined  by  adding  the  outstanding 
unpaid  balance  of  Cash  Advances  at  the  beginning  of  the  billing  cycle,  any 
new Cash Advances posted to the account, and subtracting any payments as 
received  or  credits  as  posted  to  the  account,  but  excluding  any  unpaid 
finance charges. If the new balance (Cash Advances plus Credit Purchases) 
shown  on  Cardholder's  periodic  statement  for  a  billing  cycle  is  paid  in  full 
before the payment due date, no additional finance charges will be imposed. 

(b)  Credit  Purchases  –  Average  Daily  Balance  (Excluding  New 
Purchases).  Cardholder  has  a  grace  period  for  payment  of  balance  of  Credit 

Purchases.  This  means  if  Cardholder  pays  the  entire  new  balance  of  Credit 
Purchases only shown on the periodic statement by the due date shown on the 
statement,  the  Issuer  will  not  charge  a  finance  charge  on  the  average daily 
balance of new Credit Purchases. The due date will be 25 days from the closing 
date  of that  Statement. If the  entire new balance shown  is  not  paid  within  that 
25 day period, a finance charge will be imposed on the average daily balance. 
We calculate the interest charge on your account by applying the periodic rate 
to  the  "average  daily  balance"  of  your  account.  To  get  the  "average  daily 
balance" we take the beginning balance of your account each day and subtract 
any unpaid interest or other finance charges and any payments or credits. We 
do  not  add  in  any  new  purchases  or  fees.  This  gives  us  the  daily  balance. 
Then, we add all the daily balances for the billing cycle together and divide the 
total by the number of days in the billing cycle. This gives us the "average daily 
balance." 
7 Periodic Rate.  The periodic rates applicable to purchases, cash advances, 
and  balance  transfers  are  disclosed  on  the  Disclosure  that  accompanies 
this Agreement. Any penalty rate that may be imposed for failing to make a 
payment by the payment due date is also disclosed on the Disclosure. Any 
rate change will be made pursuant to applicable law. 

8  Termination.  Issuer  may  terminate  Cardholder's  privileges  under  the 
Agreement at any time for any reason. Issuer  will promptly send a  written 
notice  of  termination  to  the  address  to  which  it  sends  the  periodic 
statements.  Cardholder  may  terminate  his  or  her  privileges  under  this 
Agreement  at  any  time  by  giving  Issuer  written  notice  of  termination. 
Cardholder's  termination  will  be  effective  only  after  Issuer  has  received 
written notice and Cardholder has returned all cards and checks to Issuer. 
Cardholder remains liable for all obligations resulting from use of the card 
or  an  authorized  user's  use  of  his  or  her  card,  even  after  Issuer  receives 
written notice. Cardholder also remains obligated to pay all amounts owed 
on  the  account,  including  any  amounts  not  yet  billed.  Each  card  is  the 
property  of  Issuer,  is  not  transferable,  and  must  be  surrendered  upon 
demand.  It  can  be  cancelled  as  well  as  repossessed  by  Issuer  or  its 
designee,  and  the  privileges  thereof  revoked,  at  any  time  without  prior 
notice. 

9  Credit Limit. Cardholder shall not use card to obtain Credit Purchases or 
Loans  which  will  increase  the  account's  indebtedness  to  Issuer  to  an 
amount  in  excess  of  the  limit  established  by  Issuer.  The  limit  established 
by Issuer is shown on the periodic statement. 

10 Refusal  to  Honor  Card.  All  Credit  Purchases  and  Loans  are  effected  at 
the option of  the  Seller  and  Cash  Advancing Institution,  respectively,  and 
Issuer shall not be responsible for refusal by any Seller or Cash Advancing 
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 
advance  to  Issuer  which  shall  be  shown  as  a  credit  on  Cardholder's 
account statement with Issuer. 

11 Attorneys'   Fees   and   Costs.   In   the   event   of   suit   to   collect   unpaid 
balances,  all  costs,  including  reasonable  attorneys'  fees,  and  also  those 
costs, expenses, and attorneys' fees incurred in appellate, bankruptcy, and 
post judgment proceedings, shall be imposed, and the Cardholder agrees 
to  pay  such  costs,  fees  and  expenses,  except  to  the  extent  such  costs, 
fees, or expenses are prohibited by law. 

12 Additional  Charges.  Additional  charges  may  also  be  assessed  if  the 
Cardholder  pays  the  Credit  Union  with  a  check  not  honored  by  the 
financial institution it is drawn on, makes delinquent payments, requests a 
copy of  a  document, requests  a  replacement card  or  used the  card  at an 
automatic  teller  machine,  if  such  charges  are  not  prohibited  by  law  or 
regulation.  Cardholder  agrees  to  pay  such  charges,  all  of  which  are 
specified  in  the  VISA  Summary  of  Terms  Disclosure  provided  with  this 
Agreement.  All  such  charges  shall  be  treated  as  credit  purchases  for 
purpose  of  calculating  finance  charges  unless  prohibited  by  law  or 
regulation. If you use an automated teller machine that is not operated by 
us, you may be charged a fee by the operator of the machine and/or by an 
automated transfer network. 

13  Security  Interest.  You  grant  the  Credit  Union  a  security  interest  under 
the  Uniform  Commercial  Code  and  under  any  common  law  rights  the 
Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the 
Credit  Union  a  specific  pledge  of  shares,  your  pledged  shares  will 
secure  your  account.  You  may  not  withdraw  amounts  that  have  been 
specifically  pledged  to  secure  your  account  until  the  Credit  Union 
agrees  to  release  all  or  part  of  the  pledged  amount.    Your  Account  is 
secured by all other shares you have in any individual or joint account 
with  the  Credit  Union,  except  for  shares  in  an  Individual  Retirement 
Account or in any other account that would lose special tax treatment 
under state or federal law if given as security.  These other shares may 
be  withdrawn  unless  you  are  in  default  under  this  agreement.  You 
authorize  the  Credit  Union  to  apply  the  balance  in  your  individual  or 
joint share accounts to pay any amounts due on your Account should 
you default. Collateral securing other loans you have with the Credit Union 
may also secure this loan, except that a dwelling will never be considered as 
security  for  this  account,  notwithstanding  anything  to  the  contrary  in  any 
other agreement. 

P.O. Box 1260 
Saginaw, MI 48606 
888.288.3261 

Revision date:  March 18, 2015 

 
 
 
    
 
 
 
14 Default.  Cardholder  will  be  in  default  if  (a)  he  or  she  fails  to  make  a 
payment  on  this  Account  when  due;  (b)  he  or  she  is  in  default  under  any 
other  loan,  line  of  credit,  or  security  agreement  with  Issuer;  (c)  he  or  she 
becomes  insolvent  or  a  receiver  is  appointed  for  his  or  her  property  or  if 
court proceedings are started for liquidation of his or her debts; (d) a levy, 

seizure,  or  attachment  is  made  on  his  or  her  accounts;  (e)  any  oral  or 
written  statement  by  Cardholder  or  any  third  party  to  induce  the  Issuer  to 
open this Account proves to have been false in any material regard when it 
was  made;  (f)  he  or  she  dies;  or  (g)  facts  and  circumstances  enable  the 
Issuer  to  reasonably  doubt  the  collectability  of  Cardholder's  obligation, 
time  being  of  the  essence.  If  Cardholder  is  in  default,  Issuer  may elect  to 
declare  all  amounts  then  owed  to  Issuer  to  be  immediately  due  and 
payable  without  notice  or  demand  of  any  kind.  If  Cardholder  is  in  default, 
Issuer may also, at its option at any time, do one or more of the following: 

 
 

 

 

 

Terminate or suspend Cardholder's privileges, 
Refuse   to   make   or   authorize   any   Cash   Advances,   Balance 
Transfers or Credit Card Purchases, 
Refuse  to  honor  and  return  any  checks  drawn  on  Cardholder's 
account, 
Sue  Cardholder  or  take  any  other  action  to  collect  Cardholder's 
account, 
Charge Cardholder's account with all reasonable costs incurred in 
trying to collect any amount owed under this Agreement, including 
reasonable attorneys' fees and court costs. 

15 Bankruptcy.  Cardholder  agrees  that  Cardholder  will  not  use  his  or  her 
card unless he or she honestly intends to repay Issuer the full amount due 
under  this  agreement  when  it  is  due,  and  reasonably  believes  that 
Cardholder  will  be  able  to  do  so.  Cardholder  agrees  that  Cardholder  will 
not  make  any  further  use  of  his  or  her  card  and  that  he  or  she  will 
immediately  return  all  cards  and  special  checks  Issuer  has  given 
Cardholder  if  a  petition  for  relief  under  any  chapter  of  the  Federal 
Bankruptcy  Code  has  been 
filed  either  by  Cardholder  or  against 
Cardholder,  if  Cardholder  believes  that  the  filing  of  such  petition  is 
reasonably  likely,  or  Cardholder  has  requested  that  an  attorney  prepare 
such  a  petition  for  Cardholder,  even  if  Cardholder  might  decide  not  to  file 
it.  The  entire  unpaid  balance  that  Cardholder  owed  Issuer  under  this 
Agreement   will   automatically   become   due   and   payable   immediately 
without any further act or notice  if a  petition for relief is  filed by or  against 
Cardholder under any chapter of the United States Bankruptcy Code. 

16 Change of Terms. Issuer can change any of the terms of this Agreement, 
including,  but  not  limited  to,  the  maximum  periodic  rate,  at  any  time.  If 
Issuer  does  change  the  terms,  Issuer  will  send  a  written  notice  45  days 
prior  to  the  change  to  the  address  to  which  Issuer  sends  Cardholder's 
statements. A change in terms increasing the interest rate will not apply to 
Cardholder's  current  balance.  Only  new  purchases,  cash  advances,  and 
balance  transfers  would  be  subject  to  the  change  in  interest  rate.  Issuer 
can  change  the  terms  of  the  account  to  reduce  the  minimum  monthly 
payment  or  the  finance  charges  on  Cardholder's  account  after  giving 
cardholder  45  days  notice.  Issuer's  rights  and  responsibilities  will  not  be 
changed  in  any  way  by  any  oral  statement,  course  of  dealing,  action  or 
inaction except on express written notice of change. 

17 Other  Terms.  Issuer  may,  in  Issuer's  sole  discretion,  waive  any  penalty, 
defer  action  on  any  penalty,  extend  the  time  for  payment  of  any 
installments,  reduce  the  amount  of  any  installments,  or  release  any 
Cardholder  from  liability  without  relieving  any  Cardholders  from  liability 
under  this  agreement.  Issuer  may  take  any  such  action  without  notice. 
Issuer  need  not  notify  Cardholder  if  Cardholder  is  in  default  or  if 
Cardholder's    account    becomes    due    and    payable    immediately.    If 
Cardholder is in penalty, no partial payment or performance by Cardholder 
will  cure  Cardholder's penalty or  restore Cardholder's rights and  privileges 
under  this  Agreement  unless  Issuer  agrees  in  writing  to  restore  them. 
Issuer  will  continue  to  have  all  of  its  rights  under  this  Agreement,  even  if 
Issuer  does  not  fully  and  promptly  enforce  and  exercise  them  on  all 
locations.  Issuer will  not,  under  any  circumstances, be  liable  for  damages 
resulting  from  any  failure  by  anyone  to  honor  a  card  and  extend  credit  or 
provide  a  Cardholder  service.  If  any  provision  of  this  Agreement  violates 
any  law,  the  remaining  provisions  of  this  Agreement  will  remain  in  effect. 
Cardholder's  account  is  governed  by  Michigan  Law.  If  Cardholder  is  in 
penalty, Issuer may sue him or her in any court which has jurisdiction over 
the lawsuit. 

18 Liability  for   Unauthorized   Use.  Cardholder   will   not   be   liable   for  
the  unauthorized  use  of  the  credit  card,  provided  Cardholder  notifies 
Issuer,  orally  or  in  writing,  of  the  loss,  theft,  or  misappropriation  of  the 
card at:              Team One CU Plastics Department 

PO Box 1260 
Saginaw, MI  48606 
888.288.3261 

and  provided  further  that  Cardholder  has  not  been  grossly  negligent  or 
fraudulent  in  the  handling  of  the  cards.  For  ATM  and  PIN  transactions  not 
processed  through  VISA/Plus,  you  can  lose  no  more  than  $50  if  someone 

accessed  your  account  without  your  permission.   If  you  don’t  tell  us  within 
two (2) business days after you learned of the unauthorized use, and we can 
prove  that  we  could  have  stopped  someone  from  accessing  your  account 
without your permission if you had told us, you could lose as much as $500. 
If your statement shows unauthorized transfers, tell us at once. If you do not 
tell us within 60 days after the statement was mailed to you, you may not get 
back  any  money  you  lost  after  the  60  days  if  we  can  prove  that  we  could 
have stopped someone from taking the money if you had told us in time. If a 
good  reason  (such  as  a  long trip or  hospital stay)  kept  you from telling  us, 
we will extend the time period.  If you believe your card or PIN has been lost 
or  stolen  or that  someone has transferred  or  may  transfer  funds  from your 
account  without  your  permission,  call  the  number  below,  or  write  to:  Team 
One  Credit  Union,  Attn:   Plastics  Department,  PO  Box  1260,  Saginaw,  MI  
48606.  If  ten  or  more  cards  are  issued  for  use  by  employees  of  a  single 
business  or  other  organization,  there  is  no  limited  Cardholder's  liability 
for  any  unauthorized  use  that  occurs  before  Cardholder  notifies  Issuer  as 
provided herein: the business or organization may only impose liability on its 
employees for unauthorized use of a card as authorized by Federal Law and 
Regulations. 

19 Permission  to Monitor  Telephone  Calls.  Cardholder  agrees that Issuer, 
its agents, or service companies may monitor and/or record any telephone 
communications with Cardholder. 

20 Arbitration  Provision.  Any  claim,  dispute,  or  controversy  (whether  in 
contract,  tort,  or  otherwise,  whether  pre-existing,  present,  or  future,  and 
including  statutory,  common  law,  intentional  tort,  and  equitable  claims) 
arising from or relating  to any  transaction  you have ever entered  into with 
us pursuant to this Agreement or pursuant to any past agreement between 
you and us or your application for such transactions or our advertisements, 
promotion, or oral or written statements relating to such transactions or the 
relationships  which  result  from  such  transactions  (including,  to  the  full 
extent permitted by  applicable  law,  relationships  with third-parties  who  are 
not  signatories  to  such  agreements  or  this  Arbitration  Provision)  or  the 
validity,   enforceability,   or   scope   of   this   Arbitration   Provision,   this 
Agreement,   or   any   past   agreements   (collectively   "Claim")   shall   be 
resolved,  upon  the  election  of  you  or  us  or  said  third-parties,  by  binding 
arbitration  pursuant  to  this  Arbitration  Provision.  Notwithstanding  the 
preceding sentence, you will have the right to seek relief in a small claims 
court  for  a  Claim  within  the  scope  of  the  small  claims  court's  jurisdiction; 
provided,  however,  that  Claims  involving  a  punitive  class  or  alleged 
monetary damages exceeding  the jurisdiction of a small claims court shall 
be  subject  to  binding  arbitration  pursuant  to  this  Arbitration  Provision.  A 
party  who  has  asserted  a  Claim  in a  lawsuit  in  court may  elect  arbitration 
with  respect  to  any  Claim  subsequently  asserted  in  that  lawsuit  by  any 
other party or parties. If arbitration is chosen by any person entitled to elect 
to  arbitrate  a  Claim,  then  arbitration  of  all  Claims  shall  be  mandatory  and 
will   be   conducted   with   the   AAA   pursuant   to   the   AAA's   Consumer 
Arbitration  Rules;  provided,  however,  that  if  for  any  reason  the  AAA  is 
unable  or  unwilling  or  ceases  to  serve  as  arbitration  administrator,  an 
equivalent  national  arbitration  organization  utilizing  a  similar  code  of 
procedure  will  be substituted by  us.  There shall be no authority for  any 
Claims  to  be  arbitrated  on  a  class  action  basis.  Further,  arbitration 
can  only  decide  our  or  your  Claim  and  may  not  consolidate  or  join 
the  claims  of  other  persons  who  may  have  similar  claims.  Any 
participatory  hearing  that  you  attend  will  take  place  in  the  federal  judicial 
district of your residence. We will pay the AAA's filing fee, other AAA fees, 
and the arbitrators' compensation for any Claim which you may file against 
us.  Unless  inconsistent  with  applicable  law,  each  party  shall  bear  the 
expense  of  their  respective  attorneys',  experts',  and  witnesses'  fees, 
regardless  of  which  party  prevails  in  the  arbitration.  This  arbitration 
agreement   is   made   pursuant   to   a   transaction   involving   interstate 
commerce, and shall be governed by the Federal Arbitration Act ("FAA", 9 
U.S.C. Sections 1-16). The arbitrator shall apply applicable substantive law 
consistent  with  the  FAA  and  applicable  statutes  of  limitations  and  shall 
honor  claims  of  privilege  recognized  by  law.  Judgment  upon  the  award 
rendered  by the arbitrator may  be entered in any court  having jurisdiction. 
This  Arbitration  Provision  shall  survive  satisfaction  of  your  contractual 
obligations  and  termination  of  this  Agreement  or  any  past  agreement  you 
have  entered  into  with  us.  If  this  Agreement  or  any  past  agreement 
between you and us or any portion of such agreements is deemed invalid 
or  unenforceable  on  the  basis  that  such  agreements  violate  applicable 
usury  law  or  for  any  other  reason,  it  shall  not  invalidate  this  Arbitration 
Provision;  in  such  instance,  the parties expressly  acknowledge  and  agree 
that  this  Arbitration  Provision  shall  survive  the  deemed  nullity  of  such 
agreements  and shall be severed from such  agreements (or the  invalid or 
unenforceable portion of such agreements). Similarly, if  any portion of this 
Arbitration Provision  is  deemed  invalid  or  unenforceable under the  FAA, it 
should not invalidate the remaining portions of this Arbitration Provision. 

P.O. Box 1260 
Saginaw, MI 48606 
888.288.3261 

Revision date:  March 18, 2015 

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:   

Team One Credit Union 
PO Box 1260 
Saginaw MI  48606 

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 l e a s t  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 [or electronically]. 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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

   We  cannot try  to  collect  the  amount  in  question, or report you as delinquent 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 [or electronically] at: 

Team One Credit Union 
PO Box 1260 
Saginaw MI  48606 

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. 

P.O. Box 1260 
Saginaw, MI 48606 
888.288.3261 

Revision date:  March 18, 2015