b'will be either at the government-mandated rate or a wholesale\ncurrency market rate determined by Mastercard for the processing\ndate on which the transaction is processed. The currency conversion\nrate used by Mastercard on the processing date may differ from\nthe rate that would have been used on the purchase date or the\ncardholder statement posting date.\nForeign Transaction Fee\nA fee of 2% of the transaction amount in US Dollars will be assessed\non cross-border and international transactions. International\ntransactions include Internet transactions made when you are in the\nUnited States, but the merchant processes the transaction in a foreign\ncountry. Transactions acquired in U.S. territories, and transactions\noriginating on U.S. military bases, at U.S. embassies and at U.S.\nconsulates, are excluded from this fee.\nConvenience Checks\nYou may access your credit line by writing checks provided by us for\nthat purpose. The checks will be honored and paid up to your credit\nlimit as long as the account is not in default. You may request a stop\npayment on a convenience check by phone or in writing. We must\nreceive the request in time to afford us reasonable opportunity to act\nupon it under the Credit Union\xe2\x80\x99s rules. Oral or telephone requests to\nstop payment must be confirmed by you in writing to us within 14\ncalendar days after your original request, and if not so confirmed,\nsuch request will be considered to have lapsed after the 14-day\nperiod. We can only honor a stop payment request for 12 months\nfrom the date of request. You agree not to hold us responsible for any\nclaims or liabilities of payees or endorsers on convenience checks for\nwhich you have requested payment stopped. You agree not to hold\nus responsible for the misrouting or delay of a convenience check\ndue to markings placed on the check by you or a prior endorser that\nobscure any depository endorsement placed by us or our agent. We\nmay recognize the signature of any borrower or authorized user on\nthis account as authorized to transact any business on the account.\nConvenience checks cannot be used to pay any amount you owe under\nthis Agreement or under any other credit agreement or account you\nhave with us now or in the future. Convenience checks are considered\ncash advances and accrue interest according to the method described\nfor cash advances under the \xe2\x80\x9cCALCULATION OF FINANCE CHARGES\xe2\x80\x9d\nheading of this disclosure.\nDefault/Collection/Attorney\xe2\x80\x99s Fees\nYou will be in default and understand that all loan credit under this\nAgreement may be terminated if (1) you do not make periodic\npayments as required by this Agreement, (2) you do not keep any\npromise made in this Agreement or any other agreement with this\nCredit Union, (3) any information that you give us to obtain a loan\nadvance is false, (4) any third party attempts by legal process to take\nany property belonging to you, (5) you die, become insolvent or are\na party to any bankruptcy proceeding, or (6) as otherwise provided\nin this Agreement. If you are in default, we may refuse to make any\nfurther advances or refuse charge privileges to you and declare all\nsums owed under this Agreement immediately due and payable. We\nmay accept late payments or partial payments without losing any of\nour rights under this Agreement. You understand that if you are in\ndefault, we may add to your unpaid balance any reasonable attorney\xe2\x80\x99s\nfees and court costs, all of which you agree to pay.\nWaivers and Severability\nWe may waive or decline to enforce any of our rights under this\nAgreement without affecting any of our other rights. Should\nany provision of this Agreement be determined to be invalid or\n\nunenforceable, that determination shall not affect the validity or\nenforceability of any other provision.\nGoverning Law\nThis Agreement, your credit card line of credit, as well as our rights\nand duties and your rights and duties regarding them, will be\ngoverned by and interpreted in accordance with federal law to the\nfullest extent possible and, to the extent federal law does not apply,\nin accordance with California law, regardless of where you live and\nuse your credit card. This Agreement is made in California. All credit\nwill be extended from California, and all repayment must be made\nin California.\nThird Party/Mobile Devices\nWe may also permit you or any authorized user to load information\nabout your account onto third party/mobile devices (such as a\nsmartphone, tablet, or any other handheld or wearable communication\ndevice that allows you to store or electronically present your account\ninformation) that would enable you to make purchases or engage in\ncredit transactions for your account without needing to show your\ncredit card. You and we agree that any such use of your account will\nbe subject to all the terms and conditions contained in this agreement.\nTo the extent you do use a third party/mobile device to make a credit\ntransaction on your account, or load information about your account\nonto any such device, you need to be aware that we do not control\nthe device and cannot guarantee the performance of either the device\nor any third party.\nAdditionally:\n\xe2\x80\xa2 You agree to carefully protect the security of any devices\nthe same as you would your cash, checks, credit cards\nand other valuable information. We encourage you to\npassword protect or lock your device to help prevent an\nunauthorized person from using it. You agree to promptly\nreport any loss or theft to both us and the third party.\n\xe2\x80\xa2 You may incur third party fees related to engaging in a\ntransaction (such as mobile carrier data or messaging\ncharges).\n\xe2\x80\xa2 Credit transactions made through a third party/mobile\ndevice may involve the electronic transmission of\ninformation related to you or your account across wireless\nor computer networks. Third parties, such as merchants,\ncard association networks, mobile carriers, mobile wallet\noperators, and software application providers may use\nand receive information in connection with a credit\ntransaction. Third parties may also receive information\nabout your mobile device when you use it to make a credit\ntransaction.\n\xe2\x80\xa2 We may, at any time, partially or fully restrict your ability\nto make credit transactions through a third party/mobile\ndevice. You agree to notify us promptly if you remove or\nwant to remove your account information from any third\nparty/mobile device.\nYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nWhat To Do If You Find a Mistake on Your Statement. If you\nthink there is an error on your statement, write to us at: SchoolsFirst\nFCU P.O. BOX 11547, Santa Ana, CA 92711. You may also contact us\non our website at schoolsfirstfcu.org.\n\nIn your\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nletter, give us the following information:\nAccount Information: Your name and account number\nDollar Amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\nYou must contact us:\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing (or electronically).\nYou may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\n\nthe purchase price must have been more than $50. (Note\nneither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with\na check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing (or electronically) at the address\nor website listed above. While we investigate, the same rules apply\nto the disputed amount as discussed under What To Do If You Find\na Mistake on Your Statement. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount\nand you do not pay we may report you as delinquent.\n\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of the balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nSCHOOL EMPLOYEE\nCREDIT CARD\nMASTERCARD\xc2\xae\nAGREEMENT AND\nDISCLOSURE\nSTATEMENT\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to the\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report\nyou as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount in question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\n\nApril 30, 2021\n\nM-133242\n\n\x0cYou agree to the following terms and conditions and any amendments\nthereto.\nAccepting This Agreement\nBefore you sign or use the SchoolsFirst Federal Credit Union\nMastercard\xc2\xae credit card issued to you, please read this Agreement\nthoroughly, because by using the credit card you will be agreeing with\nus to the terms and conditions stated in this Agreement. If you do\nnot wish to be bound by this Agreement, do not use the credit card\nand contact us to let us know that you wish to cancel your credit card\naccount with us. If you have received a card or checks to access the\ncard account, destroy them.\nDefinitions\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d mean each\nand all of the person(s) who apply for and/or use the card, the words\n\xe2\x80\x9ccredit card\xe2\x80\x9d mean the SchoolsFirst Federal Credit Union Mastercard\ncredit card, and the words, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean\nthe SchoolsFirst Federal Credit Union.\nLiability of All Cardholders and Authorized Users\nYou understand that you are liable for the payment of all sums\ndue under this Agreement. If there is more than one borrower or\nauthorized user on this account, each person, individually, and\nall persons jointly are obligated to repay all sums due under this\nAgreement. You agree that all statements made in your application\nfor your credit card were for the purpose of obtaining credit and are\ntrue, correct, and complete to the best of your knowledge and belief.\nCredit Limit\nThis Agreement establishes a credit card account for you with an\nopen end line of credit. We will establish a credit limit for you, and\nmay increase or decrease that credit limit from time to time. We have\nprovided you with a separate written disclosure stating the credit\nlimit for purchases and cash advances on your account, and that\ndisclosure is made a part of this Agreement by this reference. Your\nmonthly statements will show the amount of credit available to you\nfor purchases and cash advances as of the statement date. We will\ngive you written notice of any change in your credit limit. If your\ncredit limit is decreased for any reason, any subsequent request for a\ncredit limit increase will be subject to credit application and approval.\nYou agree not to use your account in any way which would make the\nunpaid balance of your account or cash advances on your account\nexceed your credit limit. You also agree to pay us the amount of any\ntransactions on your account in excess of your credit limit along with\nyour regular minimum payment at your next scheduled payment due\ndate. Purchases and advances are subject to daily limits that may\nrestrict the full use of your Credit Limit.\nPersonal Identification Number\nA Personal Identification Number (PIN) may be obtained by calling\n866-955-1347. This PIN may be used by you with your credit card\nto obtain a cash advance on your account at any Automated Teller\nMachine (ATM) displaying the Mastercard logo or to make purchases\nat any designated point of sale (POS) machine. Please keep your PIN\nconfidential and do not write it on or keep it with your credit card.\nCredit Information\nYou agree that we may re-examine and re-evaluate your\ncreditworthiness at any time. You authorize us to obtain, from time\nto time, information from others, including, but not limited to credit\nreporting agencies, concerning you and your credit accounts. You\nalso authorize us to respond to requests from others and to provide\ninformation regarding the status and history of your account with us.\nHowever, we are not obligated to release any such information to\n\nanyone unless we are required by law to do so. You agree that we\nhave the right to refuse future advances under your line of credit or\nreduce your credit limit upon re-examination and re-evaluation of your\ncreditworthiness, should your creditworthiness change significantly.\nChange of Name, Address, Employment, Telephone\nYou agree to promptly report to us any change in your name, address,\nemployment, or telephone number.\nBalance Transfers\nBalance transfers are the transfer of balances from other lenders\nto your SchoolsFirst FCU credit card and cannot be applied to any\namount you owe under any other credit agreement or account you\nhave with SchoolsFirst FCU.\nPurchases/Balance Transfers/Cash Advances\nYou may access your line of credit by making a purchase at a\nmerchant\xe2\x80\x99s location that accepts the credit card, by requesting a\nBalance Transfer orally or electronically, or in writing, or by making\na cash advance. We will not be responsible or liable to you should\nanyone refuse to accept or honor your card, or should anyone retain\nyour card and not return it to you. You may request cash advances\nunder this Agreement by writing a SchoolsFirst FCU convenience\ncheck; by making a written, telephone or electronic request to us; or\nby requesting a cash advance at a financial institution or an ATM that\naccepts the credit card. You agree to repay all advances for purchases,\nbalance transfers, and cash advances made to you or at the request\nof a joint borrower or authorized user under this Agreement, and you\nunderstand that all purchases, balance transfers, and cash advances\nwill be subject to the terms of this Agreement. You agree not to\nrequest advances, balance transfers, or make purchases or use your\naccount in any way that would make the unpaid balance of your\naccount exceed your credit limit. Cash advances cannot be used to\npay any amount you owe under this Agreement or under any other\ncredit agreement or account you have with us now or in the future.\nMinimum Monthly Payments\nYou will receive a statement for each monthly billing period in which\nyour account has an outstanding or credit balance. The minimum\nmonthly payment on your account is calculated at 2% of the\nstatement balance or $25, whichever is greater. If your account\nbalance is greater than your limit or your account is past due, you\nwill be billed for the greater of: the minimum monthly payment; or\nthe past due amount; or the overlimit amount. If the account is not\npaid down to the limit or below, the account is subject to closure.\nThe minimum monthly payment must be received at the payment\ncenter on or before the payment due date reflected on the front of\nyour monthly billing statement or the payment may be considered\npast due. Payments made in excess of the minimum payment will\nbe applied first to the balance with the highest interest rate, then\nsuccessively to each lower interest rate until the excess payment\namount is exhausted. If you have a credit balance on your account\ndue to merchant credits, adjustments or overpayments, we will\nhold and apply this credit balance against future purchases and\ncash advances, or refund it at your written request. An increase or\ndecrease in the Annual Percentage Rate may result in an increase or\ndecrease in your monthly payment.\nPromise to Pay\nYou agree to pay us, at the payment address stated on the front\nof your monthly billing statement, all sums which have been\naccumulated on your account by you or others with your permission,\ntogether with any finance charges, late charges and any other service\ncharges computed on your account as set forth in this Agreement.\n\nAuthorizations\nMost transactions require approval of funds. Approvals result in\nplacing a hold against your credit limit. We may limit the number\nor amount of approvals or purchases and advances per day or deny\ntransactions when we detect unusual or suspicious activity, even if\nyou have sufficient credit available. We are not liable for failing to\napprove any transaction and we may, although we are not required\nto, approve transactions above your available credit. We are not liable\nif a merchant, financial institution, or ATM does not honor your card.\nMembership Requirement\nYou must be a Member in good standing to be eligible for a credit\ncard with us. We may suspend card privileges, including closing your\naccount, if you do not maintain your Membership with us in good\nstanding.\nResponsibility for Account\nYou agree to repay us according to the terms of this Agreement for\nall purchases, advances, finance charges, fees and collection costs, if\nany, arising from the use of this account by you or any other person\nyou permit to use your card and/or account (even if that person\nexceeded the amount for which you gave permission). If you decide\nto close your account, please notify us orally or in writing and return\nall card(s) on the account. You remain liable for any transactions to\nthe account that we cannot prevent after you notify us. Any person\nusing the account and/or card is jointly and severally responsible for\nall charges on the account.\nLost, Stolen or Unauthorized Use\nIt is important to continually monitor your monthly statements to\nidentify any unauthorized transactions. If your card is lost or stolen,\nor you believe that someone has accessed or may access money\nfrom your card without your permission, notify us immediately. If\nyou notice unauthorized or fraudulent activity on your card, notify\nus immediately. Notify us at the phone number or address listed on\nyour statement under \xe2\x80\x9cHow to Reach Us\xe2\x80\x9d. See Your Billing Rights for\nfurther information. If your card is used fraudulently, you agree to\nassist us in our investigation.\nAnnual Percentage Rate\nSchoolsFirst FCU has a loan program, which features a range of\ninterest rates for some of its consumer loans. A rate is based on a\nvariety of factors, including the applicant\xe2\x80\x99s credit rating.\nThis Agreement establishes the Annual Percentage Rate for\nPurchases, Balance Transfers and Cash Advances under this credit\ncard program. We have provided you with a separate written\ndisclosure stating the Annual Percentage Rate that will apply to\npurchases, balance transfers, and cash advances on your account.\nThat disclosure is made part of this Agreement by this reference.\nAnnual Percentage Rate - Variable Rate Credit Program\nThe Annual Percentage Rate is subject to change monthly on the\nfirst day of the billing cycle. Note that an increase in the Annual\nPercentage Rate may result in greater interest charges and a larger\nmonthly payment.\nWe reserve the right to waive a change in your Annual Percentage\nRate when such a change can be made, but such waiver shall\nnot be construed as a waiver of our right to change the Annual\nPercentage Rate at a future date when entitled to do so.\n\nThe rate is determined by adding an index plus a margin. The index\nis the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as reported in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d tables\nof the online version of The Wall Street Journal on the first business\nday of the month preceding the start date of each current billing\n\ncycle. The tier and margin, and subsequently the APR you receive,\nis determined by your creditworthiness. The maximum Annual\nPercentage Rate is 18.00%.\nVariable Rate Margins\nTier\n\nTier 1\n\nTier 2\n\nTier 3\n\nTier 4\n\nTier 5\n\nPurchases\n\n4.25%\n\n6.25%\n\n8.25%\n\n13.25%\n\n17.90%\n\nBalance\nTransfers\n\n4.25%\n\n6.25%\n\n8.25%\n\n13.25%\n\n17.90%\n\nCash\nAdvances\n\n9.25%\n\n11.25%\n\n13.25%\n\n17.90%\n\n17.90%\n\nAnnual Percentage Rate - Penalty Rate\nIf your credit card account is delinquent 60 days, we will increase\nyour Annual Percentage Rate on the entire balance to 17.90%. The\nPenalty APR will continue to apply unless you make 6 consecutive\nminimum payments when due (beginning with the billing cycle\nimmediately following the application of the Penalty APR) and do not\nexceed your credit limit during that time period. If these requirements\nare met, your credit card rate will be lowered to reflect your original\ntier.\nMonthly Periodic Rate\nThe Monthly Periodic Rate is determined by dividing the Annual\nPercentage Rate by twelve (12 months in a year).\nCalculation of Interest Charges\nInterest Charges for each monthly billing cycle will be calculated\nby multiplying the Average Adjusted Daily Balance by the Monthly\nPeriodic Rate. We will calculate your Average Adjusted Daily Balance\nas follows: We take the outstanding balance (all amounts you owe)\nat the start of the day. Then, in the sequence in which the amounts\npost to your account, we add the amount(s) of all debits and subtract\nthe amount(s) of all payments and credits which post to your account\nthat day. After applying payments and credits, we subtract any\namount of late charge, interest charge, and any other charges that\nremain unpaid.\nThe result is the adjusted daily balance for that day. We add together\nall the adjusted daily balances for each day in the billing cycle and\ndivide the total by the number of days in the billing cycle. The result\nis the Average Adjusted Daily Balance for that billing cycle.\nInterest Charges are imposed only if you do not pay in full the new\nbalance for Purchases shown on your Periodic Statement within 25\ndays of the end of the statement period. However, interest charges\nwill be assessed and will accrue on any cash advance (see Purchases/\nCash Advances) from the date that such cash advance transaction is\nposted to your account to the date the cash advance balance is paid\nin full or the Statement Closing Date whichever comes first, even if\npayment of the entire New Balance is received by us by the Payment\nDue Date. In other words, there is no time period within which credit\nextended to you by a cash advance may be repaid without incurring\nan interest charge.\nLate Charge\nIf the minimum payment due is not received by the Credit Union\nwithin 15 days after the payment due date, a late charge of $25 will\nbe imposed.\nAdditional Fees and Service Charges\nWe may charge additional service charges for the following:\n\xe2\x80\xa2 Each draft copy that you request: $10\n\n\xe2\x80\xa2 Additional copies of your monthly billing statement:\n$2 (per statement)\n\xe2\x80\xa2 Any payment instrument or method including check, inperson, ACH or other electronic transaction returned to us\nfor any reason: $20\n\xe2\x80\xa2 Researching transactions occurring prior to your most\nrecent account statement: $20 per hour, minimum $20\n\xe2\x80\xa2 Convenience check stop payment: $15\n\xe2\x80\xa2 Balance transfer stop payment fee: $15\n\xe2\x80\xa2 Each request to have a credit card delivered by courier: $20\nChange in Terms\nThis Agreement is the contract which applies to all transactions on\nyour Account, even though the sales, Cash Advance, credit, or other\ndocuments you sign, agree to, or receive, may contain different\nterms. We may amend, modify, add to, or delete from this Agreement\nany term, condition, service, or feature at any time, including the\namount or calculation of INTEREST CHARGES. Unless we state\notherwise, the change will affect any unpaid balance outstanding\nand any subsequent transactions. A notice will be mailed to your last\nknown mailing address or sent through email (if you have consented\nto receive electronic communications) at least 45 days prior to the\neffective date of the change as required by federal or other law. When\na notice of change in terms is required, it may be sent as late as the\neffective date of the change when the change has been agreed to in\nwriting by you. Rates are based on approved credit.\nCancellation of Card\nYou may cancel your card at any time in writing, enclosing all cards\non your account cut in two. Cancellation of the card will end all\ncharging privileges. We have the right to revoke your right to use\nthe credit card at any time. We can do this with or without cause\nand without giving you notice. We may list revoked credit cards in\na cancellation bulletin or otherwise inform firms honoring the credit\ncard that the credit card issued to you has been revoked or cancelled.\nIf we revoke the credit card or it expires, you must return it to us\nif we so request. Also, if a firm that accepts the credit card asks\nyou to surrender an expired or revoked credit card, you must do so.\nYou may not use the credit card after it has expired or after it has\nbeen revoked. Cancellation or revocation of your credit card will not\naffect your obligation to pay any amounts that may be due under this\nAgreement.\nIllegal Activity\nYour Mastercard card may not be used for any illegal activity. Internet\ngambling may be illegal in the jurisdiction in which you are located,\nincluding the United States and its territories. Your card may only\nbe used for legal transactions. Display of a payment card logo by\nan online merchant does not mean that Internet gambling or other\ntransactions are legal in the jurisdiction in which you are located. You\nagree to repay, according to the terms of this Agreement, transactions\nyou initiate by use of your card, whether deemed legal or illegal.\nInternet Transactions\nYour Mastercard is automatically enrolled in the Mastercard 3-D\nSecure program. 3-D Secure is designed as an additional layer of\nsecurity for online transactions when you use your credit card during\na card-not-present transaction. Your transaction is securely verified\nin the background and there is nothing else for you to do.\nForeign Currency Transactions\nIf you effect a transaction at a merchant that settles in a currency\nother than U.S. dollars, Mastercard International will convert the\ncharge into a U.S. dollar amount. The conversion rate in U.S. dollars\n\n\x0c'


b'INTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR)\nfor Purchases\n\n7.50% - 17.90% when you open your account, based on\n\nyour creditworthiness. After that, this APR will vary with the market based on\nthe Prime Rate.\n\nAPR for Balance Transfers\n\n7.50% - 17.90% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n12.50% - 17.90% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n17.90%\nThis APR may be applied to your account if you:\n\nPenalty APR and When It Applies\n\n1) Make your payment 60 days late or:\n2) A returned payment causes your account to become 60 days late.\nHow long will the Penalty APR apply? If your APRs are increased for\neither of these reasons, the Penalty APR will apply until you make six\nconsecutive minimum payments beginning with the statement cycle\nimmediately following the event that triggered the Penalty APR, provided you\ndo not exceed your credit limit during that time period.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases and balance transfers if you pay your\nentire balance by the due date each month and your previous balance is zero\nor a credit balance. We will begin charging interest on cash advances and\nconvenience checks on the date they are posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transactions\n\nNone\nNone\n2% of the transaction in U.S. dollars\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nUp to $25 imposed 15 days after the due date.\nUp to $20.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage adjusted daily balance (including new\npurchases).\xe2\x80\x9d See your account agreement for more details.\nOther Fees: Rush Card: $20; Stop Payment: $15 for Convenience Checks or Balance Transfers.\nPenalty APR: We may apply the Penalty APR if your payment is 60 days late.\n\n\x0c'


b'charge into a U.S. dollar amount. The conversion rate in U.S. dollars\nwill be either at the government-mandated rate or a wholesale\ncurrency market rate determined by MasterCard for the processing\ndate on which the transaction is processed. The currency conversion\nrate used by Mastercard on the processing date may differ from\nthe rate that would have been used on the purchase date or the\ncardholder statement posting date.\nForeign Transaction Fee\nA fee of 2% of the transaction amount in US Dollars will be assessed\non cross-border and international transactions. International\ntransactions include Internet transactions made when you are in the\nUnited States, but the merchant processes the transaction in a foreign\ncountry. Transactions acquired in U.S. territories, and transactions\noriginating on U.S. military bases, at U.S. embassies and at U.S.\nconsulates, are excluded from this fee.\nConvenience Checks\nYou may access your credit line by writing checks provided by us for\nthat purpose. The checks will be honored and paid up to your credit\nlimit as long as the account is not in default. You may request a stop\npayment on a convenience check by phone or in writing. We must\nreceive the request in time to afford us reasonable opportunity to act\nupon it under the Credit Union\xe2\x80\x99s rules. Oral or telephone requests to\nstop payment must be confirmed by you in writing to us within 14\ncalendar days after your original request, and if not so confirmed,\nsuch request will be considered to have lapsed after the 14-day\nperiod. We can only honor a stop payment request for 12 months\nfrom the date of request. You agree not to hold us responsible for any\nclaims or liabilities of payees or endorsers on convenience checks for\nwhich you have requested payment stopped. You agree not to hold\nus responsible for the misrouting or delay of a convenience check\ndue to markings placed on the check by you or a prior endorser that\nobscure any depository endorsement placed by us or our agent.\nWe may recognize the signature of any borrower or authorized\nuser on this account as authorized to transact any business on the\naccount. Convenience checks cannot be used to pay any amount you\nowe under this Agreement or under any other credit agreement or\naccount you have with us now or in the future. Convenience checks\nare considered cash advances and accrue interest according to the\nmethod described for cash advances under the \xe2\x80\x9cCALCULATION OF\nFINANCE CHARGES\xe2\x80\x9d heading of this disclosure. Transactions made\nusing convenience checks do not earn Rewards points.\nDefault/Collection/Attorney\xe2\x80\x99s Fees\nYou will be in default and understand that all loan credit under this\nAgreement may be terminated if (1) you do not make periodic\npayments as required by this Agreement, (2) you do not keep any\npromise made in this Agreement or any other agreement with this\nCredit Union, (3) any information that you give us to obtain a loan\nadvance is false, (4) any third party attempts by legal process to take\nany property belonging to you, (5) you die, become insolvent or are\na party to any bankruptcy proceeding, or (6) as otherwise provided\nin this Agreement. If you are in default, we may refuse to make\nany further advances or refuse charge privileges to you and declare\nall sums owed under this Agreement immediately due and payable.\nWe may accept late payments or partial payments without losing\nany of our rights under this Agreement. You understand that if you\nare in default, we may add to your unpaid balance any reasonable\nattorney\xe2\x80\x99s fees and court costs, all of which you agree to pay.\n\nWaivers and Severability\nWe may waive or decline to enforce any of our rights under this\nAgreement without affecting any of our other rights. Should\nany provision of this Agreement be determined to be invalid or\nunenforceable, that determination shall not affect the validity or\nenforceability of any other provision.\nGoverning Law\nThis Agreement, your credit card line of credit, as well as our rights\nand duties and your rights and duties regarding them, will be\ngoverned by and interpreted in accordance with federal law to the\nfullest extent possible and, to the extent federal law does not apply,\nin accordance with California law, regardless of where you live and\nuse your credit card. This Agreement is made in California. All credit\nwill be extended from California, and all repayment must be made\nin California.\nThird Party/Mobile Devices\nWe may also permit you or any authorized user to load information\nabout your account onto third party/mobile devices (such as a\nsmartphone, tablet, or any other handheld or wearable communication\ndevice that allows you to store or electronically present your account\ninformation) that would enable you to make purchases or engage in\ncredit transactions for your account without needing to show your\ncredit card. You and we agree that any such use of your account will\nbe subject to all the terms and conditions contained in this agreement.\nTo the extent you do use a third party/mobile device to make a credit\ntransaction on your account, or load information about your account\nonto any such device, you need to be aware that we do not control\nthe device and cannot guarantee the performance of either the device\nor any third party.\nAdditionally:\n\xe2\x80\xa2 You agree to carefully protect the security of any devices\nthe same as you would your cash, checks, credit cards and\nother valuable information. We encourage you to password\nprotect or lock your device to help prevent an unauthorized\nperson from using it. You agree to promptly report any loss\nor theft to both us and the third party.\n\xe2\x80\xa2 You may incur third party fees related to engaging in a\ntransaction (such as mobile carrier data or messaging\ncharges).\n\xe2\x80\xa2 Credit transactions made through a third party/mobile\ndevice may involve the electronic transmission of\ninformation related to you or your account across wireless\nor computer networks. Third parties, such as merchants,\ncard association networks, mobile carriers, mobile wallet\noperators, and software application providers may use and\nreceive information in connection with a credit transaction.\nThird parties may also receive information about your\nmobile device when you use it to make a credit transaction.\n\xe2\x80\xa2 We may, at any time, partially or fully restrict your ability\nto make credit transactions through a third party/mobile\ndevice. You agree to notify us promptly if you remove or\nwant to remove your account information from any third\nparty/mobile device.\nYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nWhat To Do If You Find a Mistake on Your Statement. If you think\nthere is an error on your statement, write to us at: SchoolsFirst FCU\nP.O. BOX 11547, Santa Ana, CA 92711. You may also contact us on\nour website at schoolsfirstFCU.org.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing (or electronically).\nYou may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\n\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note\nneither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with\na check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing (or electronically) at the address\nor website listed under \xe2\x80\x9dWhat To Do If You Find a Mistake on\nYour Statement\xe2\x80\x9d. While we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an\namount and you do not pay we may report you as delinquent.\n\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of the balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nSHARE-SECURED\nMASTERCARD\xc2\xae\nAGREEMENT AND\nDISCLOSURE\nSTATEMENT\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to the\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount in question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith to\n\nApril 30, 2021\n\nM-133245\n\n\x0cYou agree to the following terms and conditions and any amendments\nthereto.\nAccepting This Agreement\nBefore you sign or use the SchoolsFirst Federal Credit Union\nMastercard\xc2\xae credit card issued to you, please read this Agreement\nthoroughly, because by using the credit card you will be agreeing with\nus to the terms and conditions stated in this Agreement. If you do\nnot wish to be bound by this Agreement, do not use the credit card\nand contact us to let us know that you wish to cancel your credit card\naccount with us. If you have received a card or checks to access the\ncard account, destroy them.\nDefinitions\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d mean each\nand all of the person(s) who apply for and/or use the card, the words\n\xe2\x80\x9ccredit card\xe2\x80\x9d mean the SchoolsFirst Federal Credit Union Mastercard\ncredit card, and the words, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean\nthe SchoolsFirst Federal Credit Union.\nLiability of All Cardholders and Authorized Users\nYou understand that you are liable for the payment of all sums\ndue under this Agreement. If there is more than one borrower or\nauthorized user on this account, each person, individually, and\nall persons jointly are obligated to repay all sums due under this\nAgreement. You agree that all statements made in your application\nfor your credit card were for the purpose of obtaining credit and are\ntrue, correct, and complete to the best of your knowledge and belief.\nCredit Limit\nThis Agreement establishes a credit card account for you with an open\nend line of credit. Once your credit limit is established, a security\ndeposit in the amount of your credit limit will be held in a designated\nshare account. We have provided you with a separate written\ndisclosure stating the credit limit for purchases, balance transfers,\nand cash advances on your account, and that disclosure is made a\npart of this Agreement by this reference. Your monthly statements\nwill show the amount of credit available to you for purchases, balance\ntransfers, and cash advances as of the statement date. We will give\nyou written notice of any change in your credit limit. If your credit limit\nis decreased for any reason, any subsequent request for a credit limit\nincrease will be subject to credit application and approval. You agree\nnot to use your account in any way which would make the unpaid\nbalance of your account exceed your credit limit. You also agree to\npay us the amount of any transactions on your account in excess of\nyour credit limit along with your regular minimum payment at your\nnext scheduled payment due date. Purchases, balance transfers, and\nadvances are subject to daily limits that may restrict the full use of\nyour credit limit.\nPledges of Shares\nYou grant us a consensual security interest in your account and have\npledged funds on deposit for your Share-Secured Mastercard credit\ncard in a designated share account to satisfy debts that are due us.\nWe reserve the right to exercise this pledge of share for liabilities\nowed to us against the Share-Secured Mastercard credit card account\nheld by you individually or jointly with any other person(s) to the\nfullest extent permitted by law.\nSecurity\nTo secure your obligation, you grant us a security interest in your\ndesignated share account at the Credit Union, under a SchoolsFirst\nFederal Credit Union Mastercard Credit Card Security Agreement that\nyou have signed. The Security Agreement is incorporated into and made\npart of this Agreement and Disclosure Statement by this reference.\n\nPersonal Identification Number\nA Personal Identification Number (PIN) may be obtained by calling\n866.955.1347. This PIN may be used by you with your credit card\nto obtain a cash advance on your account at any Automated Teller\nMachine (ATM) displaying the Mastercard logo. Please keep your PIN\nconfidential and do not write it on or keep it with your credit card.\nCredit Information\nYou agree that we may re-examine and re-evaluate your\ncreditworthiness at any time. You authorize us to obtain, from time\nto time, information from others, including, but not limited to credit\nreporting agencies, concerning you and your credit accounts. You\nalso authorize us to respond to requests from others and to provide\ninformation regarding the status and history of your account with us.\nHowever, we are not obligated to release any such information to\nanyone unless we are required by law to do so. You agree that we\nhave the right to refuse future advances under your line of credit or\nreduce your credit limit upon re-examination and re-evaluation of your\ncreditworthiness, should your creditworthiness change significantly.\nChange of Name, Address, Employment, Telephone\nYou agree to promptly report to us any change in your name, address,\nemployment, or telephone number.\nBalance Transfers\nBalance transfers are the transfer of balances from other lenders\nto your SchoolsFirst FCU credit card and cannot be applied to any\namount you owe under any other credit agreement or account you\nhave with SchoolsFirst FCU.\nPurchases/Balance Transfers/Cash Advances\nYou may access your line of credit by making a purchase at a\nmerchant\xe2\x80\x99s location that accepts the credit card, by requesting a\nBalance Transfer orally or electronically, or in writing, or by making\na cash advance. We will not be responsible or liable to you should\nanyone refuse to accept or honor your card, or should anyone\nretain your card and not return it to you. You may request cash\nadvances under this Agreement by writing a SchoolsFirst Federal\nCredit Union convenience check; by making a written, telephone\nor electronic request to us; or by requesting a cash advance at\na financial institution or an ATM that accepts the credit card. You\nagree to repay all advances for purchases, balance transfers, and\ncash advances made to you or at the request of a joint borrower or\nauthorized user under this Agreement, and you understand that all\npurchases, balance transfers, and cash advances will be subject to\nthe terms of this Agreement. You agree not to request advances,\nbalance transfers, make purchases, or use your account in any way\nthat would make the unpaid balance of your account exceed your\ncredit limit. Cash advances cannot be used to pay any amount you\nowe under this Agreement or under any other credit agreement or\naccount you have with us now or in the future.\nMinimum Monthly Payments\nYou will receive a statement for each monthly billing period in which\nyour account has an outstanding or credit balance. The minimum\nmonthly payment on your account is calculated at 2% of the\nstatement balance or $25, whichever is greater. If your account\nbalance is greater than your limit or your account is past due, you\nwill be billed for the greater of: the minimum monthly payment; or\nthe past due amount; or the overlimit amount. If the account is not\npaid down to the limit or below, the account is subject to closure.\nThe minimum monthly payment must be received at the payment\ncenter on or before the payment due date reflected on the front of\nyour monthly billing statement or the payment may be considered\n\npast due. Payments made in excess of the minimum payment will\nbe applied first to the balance with the highest interest rate, then\nsuccessively to each lower interest rate until the excess payment\namount is exhausted. If you have a credit balance on your account\ndue to merchant credits, adjustments or overpayments, we will\nhold and apply this credit balance against future purchases and\ncash advances, or refund it at your written request. An increase or\ndecrease in the Annual Percentage Rate may result in an increase or\ndecrease in your monthly payment.\nPromise to Pay\nYou agree to pay us, at the payment address stated on the front\nof your monthly billing statement, all sums which have been\naccumulated on your account by you or others with your permission,\ntogether with any finance charges, late charges and any other service\ncharges computed on your account as set forth in this Agreement.\nAuthorizations\nMost transactions require approval of funds. Approvals result in\nplacing a hold against your credit limit. We may limit the number\nor amount of approvals or purchases and advances per day or deny\ntransactions when we detect unusual or suspicious activity, even if\nyou have sufficient credit available. We are not liable for failing to\napprove any transaction and we may, although we are not required\nto, approve transactions above your available credit. We are not liable\nif a merchant, financial institution, or ATM does not honor your card.\nMembership Requirement\nYou must be a Member in good standing to be eligible for a credit\ncard with us. We may suspend card privileges, including closing your\naccount, if you do not maintain your Membership with us in good\nstanding.\nResponsibility for Account\nYou agree to repay us according to the terms of this Agreement for\nall purchases, balance transfers, advances, finance charges, fees and\ncollection costs, if any, arising from the use of this account by you or\nany other person you permit to use your card and/or account (even if\nthat person exceeded the amount for which you gave permission). If\nyou decide to close your account, please notify us orally or in writing\nand return all card(s) on the account. You remain liable for any\ntransactions to the account that we cannot prevent after you notify\nus. Any person using the account and/or card is jointly and severally\nresponsible for all charges on the account.\nLost, Stolen or Unauthorized Use\nIt is important to continually monitor your monthly statements to\nidentify any unauthorized transactions. If your card is lost or stolen,\nor you believe that someone has accessed or may access money\nfrom your card without your permission, notify us immediately. If\nyou notice unauthorized or fraudulent activity on your card, notify\nus immediately. Notify us at the phone number or address listed on\nyour statement under \xe2\x80\x9cHow to Reach Us\xe2\x80\x9d. See Your Billing Rights for\nfurther information. If your card is used fraudulently, you agree to\nassist us in our investigation.\nAnnual Percentage Rate\nThis Agreement establishes the Annual Percentage Rate for\nPurchases, Balance Transfers and Cash Advances under this credit\ncard program. We have provided you with a separate written\ndisclosure stating the Annual Percentage Rate that will apply to\npurchases, balance transfers, and cash advances on your account.\nThat disclosure is made part of this Agreement by this reference.\nThe Annual Percentage Rate is currently fixed and will remain\nfixed for a minimum of one-year after account opening. The Annual\n\nPercentage Rate is subject to change thereafter. Should the Annual\nPercentage Rate change, a 45-day Change in Terms Notice (CIT)\nwill be issued and balances resulting from charges incurred prior to\nand up to 14 days after the issuance of the CIT will be protected\nat the Annual Percentage Rate existing prior to the change to the\nAnnual Percentage Rate. This does not apply to the penalty Annual\nPercentage Rate referenced on your disclosure. Note that an increase\nin the Annual Percentage Rate may result in greater interest charges\nand a larger monthly payment. The maximum Annual Percentage\nRate is 18.00%.\nAnnual Percentage Rate - Penalty Rate\nIf your credit card account is delinquent 60 days, we will increase\nyour Annual Percentage Rate on the entire balance to 17.90%. The\nPenalty APR will continue to apply unless you make 6 consecutive\nminimum payments when due (beginning with the billing cycle\nimmediately following the application of the Penalty APR) and do not\nexceed your credit limit during that time period. If these requirements\nare met, your credit card rate will be lowered to reflect your original\ntier.\nMonthly Periodic Rate\nThe Monthly Periodic Rate is determined by dividing the Annual\nPercentage Rate by twelve (12 months in a year).\nCalculation of Interest Charges\nInterest Charges for each monthly billing cycle will be calculated\nby multiplying the Average Adjusted Daily Balance by the Monthly\nPeriodic Rate. We will calculate your Average Adjusted Daily Balance\nas follows: We take the outstanding balance (all amounts you owe)\nat the start of the day. Then, in the sequence in which the amounts\npost to your account, we add the amount(s) of all debits and subtract\nthe amount(s) of all payments and credits which post to your account\nthat day. After applying payments and credits, we subtract any\namount of late charge, interest charge, and any other charges that\nremain unpaid.\nThe result is the adjusted daily balance for that day. We add together\nall the adjusted daily balances for each day in the billing cycle and\ndivide the total by the number of days in the billing cycle. The result\nis the Average Adjusted Daily Balance for that billing cycle.\nInterest Charges are imposed only if you do not pay in full the new\nbalance for Purchases/Balance Transfers shown on your Periodic\nStatement within 25 days of the end of the statement period.\nHowever, interest charges will be assessed and will accrue on any\ncash advance (see Purchases /Balance Transfers/Cash Advances)\nfrom the date that such cash advance transaction is posted to your\naccount to the date the cash advance balance is paid in full or the\nStatement Closing Date whichever comes first, even if payment of\nthe entire New Balance is received by us by the Payment Due Date.\nIn other words, there is no time period within which credit extended\nto you by a cash advance may be repaid without incurring an interest\ncharge.\nLate Charge\nIf the minimum payment due is not received by the Credit Union\nwithin 15 days after the payment due date, a late charge of $25 will\nbe imposed.\nAdditional Fees and Service Charges\nWe may charge additional service charges for the following:\n\xe2\x80\xa2 Each draft copy that you request: $10\n\xe2\x80\xa2 Additional copies of your monthly billing statement: $2\n(per statement)\n\n\xe2\x80\xa2 Any payment instrument or method including check, inperson, ACH or other electronic transaction returned to us\nfor any reason: $20\n\xe2\x80\xa2 Researching transactions occurring prior to your most\nrecent account statement: $20 per hour, minimum $20\n\xe2\x80\xa2 Convenience check stop payment: $15\n\xe2\x80\xa2 Balance transfer stop payment fee: $15\n\xe2\x80\xa2 Each request to have a credit card delivered by courier: $20\nChange in Terms\nThis Agreement is the contract which applies to all transactions on\nyour Account, even though the sales, Cash Advance, credit, or other\ndocuments you sign, agree to, or receive, may contain different\nterms. We may amend, modify, add to, or delete from this Agreement\nany term, condition, service, or feature at any time, including the\namount or calculation of INTEREST CHARGES. Unless we state\notherwise, the change will affect any unpaid balance outstanding\nand any subsequent transactions. A notice will be mailed to your last\nknown mailing address or sent through email (if you have consented\nto receive electronic communications) at least 45 days prior to the\neffective date of the change as required by federal or other law. When\na notice of change in terms is required, it may be sent as late as the\neffective date of the change when the change has been agreed to in\nwriting by you. Rates are based on approved credit.\nCancellation\nYou may cancel your card at any time in writing or over the phone.\nCancellation of the card will end all charging privileges. The balance\nmust be paid in full at the time of closure. Funds in the designated\nshare account may be used to pay off the balance. Any funds in\nexcess of the balance pay off will be returned to you. We have the\nright to revoke your right to use the credit card at any time. We can\ndo this with or without cause and without giving you notice. We may\nlist revoked credit cards in a cancellation bulletin or otherwise inform\nfirms honoring the credit card that the credit card issued to you has\nbeen revoked or cancelled. If we revoke the credit card or it expires,\nwe reserve the right to offset the remaining balance with the security\nin the designated share account (See Pledges of Shares). Also, if a\nfirm that accepts the credit card asks you to surrender an expired\nor revoked credit card, you must do so. You may not use the credit\ncard after it has expired or after it has been revoked. Cancellation or\nrevocation of your credit card will not affect your obligation to pay\nany amounts that may be due under this Agreement.\nIllegal Activity\nYour Mastercard card may not be used for any illegal activity. Internet\ngambling may be illegal in the jurisdiction in which you are located,\nincluding the United States and its territories. Your card may only\nbe used for legal transactions. Display of a payment card logo by\nan online merchant does not mean that Internet gambling or other\ntransactions are legal in the jurisdiction in which you are located. You\nagree to repay, according to the terms of this Agreement, transactions\nyou initiate by use of your card, whether deemed legal or illegal.\nInternet Transactions\nYour Mastercard is automatically enrolled in the Mastercard 3-D\nSecure program. 3-D Secure is designed as an additional layer of\nsecurity for online transactions when you use your credit card during\na card-not-present transaction. Your transaction is securely verified\nin the background and there is nothing else for you to do.\nForeign Currency Transactions\nIf you effect a transaction at a merchant that settles in a currency\nother than U.S. dollars, Mastercard International will convert the\n\n\x0c'


b'SchoolsFirst FCU Share Secured Mastercard\xc2\xae Credit Card Disclosure\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR)\nfor Purchases\n\n13.90%\n\nThe Annual Percentage Rate is currently fixed and will remain fixed for a\nminimum of one-year after account opening. The Annual Percentage Rate is\nsubject to change thereafter.\n\n13.90%\nAPR for Balance Transfers\n\nThe Annual Percentage Rate is currently fixed and will remain fixed for a\nminimum of one-year after account opening. The Annual Percentage Rate is\nsubject to change thereafter.\n\n13.90%\nAPR for Cash Advances\n\nThe Annual Percentage Rate is currently fixed and will remain fixed for a\nminimum of one-year after account opening. The Annual Percentage Rate is\nsubject to change thereafter.\n\n17.90%\nThis APR may be applied to your account if you:\n\nPenalty APR and When It Applies\n\n1) Make your payment 60 days late; or\n2) A returned payment causes your account to become 60 days late.\nHow long will the Penalty APR apply? If your APRs are increased for\neither of these reasons, the Penalty APR will apply until you make six\nconsecutive minimum payments beginning with the statement cycle\nimmediately following the event that triggered the Penalty APR, provided you\ndo not exceed your credit limit during that time period.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases and balance transfers if you pay your\nentire balance by the due date each month and your previous balance is zero\nor a credit balance. We will begin charging interest on cash advances and\nconvenience checks on the date they are posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transactions\n\nNone\nNone\n2% of the transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25 imposed 15 days after the due date.\nUp to $20.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage adjusted daily balance (including new\npurchases).\xe2\x80\x9d See your account agreement for more details.\nOther Fees: Rush Card: $20; Stop Payment: $15 for Convenience Checks or Balance Transfers.\nLoss of Introductory APR: We may end your introductory/promotional APR (if any) and apply the Penalty APR if your\npayment is 60 days late.\nSchoolsFirst FCU\xe2\x80\x99s credit card program features a range of interest rates based on a variety of factors, including the\napplicant\xe2\x80\x99s credit rating. Programs, rates, terms and conditions are subject to change.\n\n\x0c'


b'Foreign Currency Transactions\nIf you effect a transaction at a merchant that settles in a currency other\nthan U.S. dollars, Mastercard International will convert the charge into\na U.S. dollar amount. The conversion rate in U.S. dollars will be either\nat the government-mandated rate or a wholesale currency market rate\ndetermined by Mastercard for the processing date on which the transaction\nis processed. The currency conversion rate used by Mastercard on the\nprocessing date may differ from the rate that would have been used on the\npurchase date or the cardholder statement posting date.\nForeign Transaction Fee\n(not applicable to Rewards Mastercard credit card)\nA fee of 2% of the transaction amount in US Dollars will be assessed\non cross-border and international transactions. International transactions\ninclude Internet transactions made when you are in the United States, but\nthe merchant processes the transaction in a foreign country. Transactions\nacquired in U.S. territories, and transactions originating on U.S. military\nbases, at U.S. embassies and at U.S. consulates, are excluded from this\nfee.\nConvenience Checks\nYou may access your credit line by writing checks provided by us for that\npurpose. The checks will be honored and paid up to your credit limit as\nlong as the account is not in default. You may request a stop payment\non a convenience check by phone or in writing. We must receive the\nrequest in time to afford us reasonable opportunity to act upon it under\nthe Credit Union\xe2\x80\x99s rules. Oral or telephone requests to stop payment must\nbe confirmed by you in writing to us within 14 calendar days after your\noriginal request, and if not so confirmed, such request will be considered\nto have lapsed after the 14 day period. We can only honor a stop payment\nrequest for 12 months from the date of request. You agree not to hold\nus responsible for any claims or liabilities of payees or endorsers on\nconvenience checks for which you have requested payment stopped.\nYou agree not to hold us responsible for the misrouting or delay of a\nconvenience check due to markings placed on the check by you or a prior\nendorser that obscure any depository endorsement placed by us or our\nagent. We may recognize the signature of any borrower or authorized user\non this account as authorized to transact any business on the account.\nConvenience checks cannot be used to pay any amount you owe under\nthis Agreement or under any other credit agreement or account you have\nwith us now or in the future. Convenience checks are considered cash\nadvances and accrue interest according to the method described for cash\nadvances under the \xe2\x80\x9cCALCULATION OF FINANCE CHARGES\xe2\x80\x9d heading of\nthis disclosure. Transactions made using convenience checks do not earn\nRewards points.\nDefault/Collection/Attorney\xe2\x80\x99s Fees\nYou will be in default and understand that all loan credit under this\nAgreement may be terminated if (1) you do not make periodic payments\nas required by this Agreement, (2) you do not keep any promise made in\nthis Agreement or any other agreement with this Credit Union, (3) any\ninformation that you give us to obtain a loan advance is false, (4) any third\nparty attempts by legal process to take any property belonging to you, (5)\nyou die, become insolvent or are a party to any bankruptcy proceeding,\nor (6) as otherwise provided in this Agreement. If you are in default, we\nmay refuse to make any further advances or refuse charge privileges to\nyou and declare all sums owed under this Agreement immediately due and\npayable. We may accept late payments or partial payments without losing\nany of our rights under this Agreement. You understand that if you are\nin default, we may add to your unpaid balance any reasonable attorney\xe2\x80\x99s\nfees and court costs, all of which you agree to pay.\nWaivers and Severability\nWe may waive or decline to enforce any of our rights under this\nAgreement without affecting any of our other rights. Should any provision\nof this Agreement be determined to be invalid or unenforceable, that\n\ndetermination shall not affect the validity or enforceability of any other\nprovision.\nGoverning Law\nThis Agreement, your credit card line of credit, as well as our rights and\nduties and your rights and duties regarding them, will be governed by and\ninterpreted in accordance with federal law to the fullest extent possible\nand, to the extent federal law does not apply, in accordance with California\nlaw, regardless of where you live and use your credit card. This Agreement\nis made in California. All credit will be extended from California, and all\nrepayment must be made in California.\nThird Party/Mobile Devices\nWe may also permit you or any authorized user to load information about\nyour account onto third party/mobile devices (such as a smartphone,\ntablet, or any other handheld or wearable communication device that\nallows you to store or electronically present your account information)\nthat would enable you to make purchases or engage in credit\ntransactions for your account without needing to show your credit card.\nYou and we agree that any such use of your account will be subject to all\nthe terms and conditions contained in this agreement.\nTo the extent you do use a third party/mobile device to make a credit\ntransaction on your account, or load information about your account onto\nany such device, you need to be aware that we do not control the device\nand cannot guarantee the performance of either the device or any third\nparty.\nAdditionally:\n\xe2\x80\xa2 You agree to carefully protect the security of any devices\nthe same as you would your cash, checks, credit cards and\nother valuable information. We encourage you to password\nprotect or lock your device to help prevent an unauthorized\nperson from using it. You agree to promptly report any loss\nor theft to both us and the third party.\n\xe2\x80\xa2 You may incur third party fees related to engaging in a\ntransaction (such as mobile carrier data or messaging\ncharges).\n\xe2\x80\xa2 Credit transactions made through a third party/mobile\ndevice may involve the electronic transmission of\ninformation related to you or your account across wireless\nor computer networks. Third parties, such as merchants,\ncard association networks, mobile carriers, mobile wallet\noperators, and software application providers may use and\nreceive information in connection with a credit transaction.\nThird parties may also receive information about your\nmobile device when you use it to make a credit transaction.\n\xe2\x80\xa2 We may, at any time, partially or fully restrict your ability\nto make credit transactions through a third party/mobile\ndevice. You agree to notify us promptly if you remove or\nwant to remove your account information from any third\nparty/mobile device.\nYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement. If you think\nthere is an error on your statement, write to us at: SchoolsFirst FCU\nP.O. BOX 11547, Santa Ana, CA 92711. You may also contact us on our\nwebsite at schoolsfirstFCU.org.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing (or electronically). You\nmay call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of the balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to the\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount in question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note\nneither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing (or electronically) at the address or website\n\nlisted under What To Do If You Find a Mistake on Your Statement\xe2\x80\x9d.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay\nwe may report you as delinquent.\n\nMASTERCARD\xc2\xae\nAGREEMENT AND\nDISCLOSURE\nSTATEMENT\nApril 30, 2021\n\nM-133239\n\n\x0cYou agree to the following terms and conditions and any amendments\nthereto.\nAccepting This Agreement\nBefore you sign or use the SchoolsFirst Federal Credit Union Mastercard\xc2\xae\ncredit card issued to you, please read this Agreement thoroughly, because\nby using the credit card you will be agreeing with us to the terms and\nconditions stated in this Agreement. If you do not wish to be bound by this\nAgreement, do not use the credit card and contact us to let us know that\nyou wish to cancel your credit card account with us. If you have received\na card or checks to access the card account, destroy them.\nDefinitions\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d mean each and\nall of the person(s) who apply for and/or use the card, the words \xe2\x80\x9ccredit\ncard\xe2\x80\x9d mean the SchoolsFirst Federal Credit Union Mastercard credit card,\nand the words, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean the SchoolsFirst\nFederal Credit Union.\nLiability of All Cardholders and Authorized Users\nYou understand that you are liable for the payment of all sums due under\nthis Agreement. If there is more than one borrower or authorized user\non this account, each person, individually, and all persons jointly are\nobligated to repay all sums due under this Agreement. You agree that\nall statements made in your application for your credit card were for the\npurpose of obtaining credit and are true, correct, and complete to the best\nof your knowledge and belief.\nCredit Limit\nThis Agreement establishes a credit card account for you with an open\nend line of credit. We will establish a credit limit for you, and may increase\nor decrease that credit limit from time to time. We have provided you\nwith a separate written disclosure stating the credit limit for purchases\nand cash advances on your account, and that disclosure is made a part\nof this Agreement by this reference. Your monthly statements will show\nthe amount of credit available to you for purchases and cash advances\nas of the statement date. We will give you written notice of any change\nin your credit limit. If your credit limit is decreased for any reason, any\nsubsequent request for a credit limit increase will be subject to credit\napplication and approval. You agree not to use your account in any way\nwhich would make the unpaid balance of your account or cash advances on\nyour account exceed your credit limit. You also agree to pay us the amount\nof any transactions on your account in excess of your credit limit along\nwith your regular minimum payment at your next scheduled payment due\ndate. Purchases and advances are subject to daily limits that may restrict\nthe full use of your Credit Limit.\nPersonal Identification Number\nA Personal Identification Number (PIN) may be obtained by calling\n866.955.1347. This PIN may be used by you with your credit card to obtain\na cash advance on your account at any Automated Teller Machine (ATM)\ndisplaying the Mastercard logo or to make purchases at any designated\npoint of sale (POS) machine. Please keep your PIN confidential and do not\nwrite it on or keep it with your credit card.\nCredit Information\nYou agree that we may re-examine and re-evaluate your creditworthiness\nat any time. You authorize us to obtain, from time to time, information from\nothers, including, but not limited to credit reporting agencies, concerning\nyou and your credit accounts. You also authorize us to respond to requests\nfrom others and to provide information regarding the status and history of\nyour account with us. However, we are not obligated to release any such\ninformation to anyone unless we are required by law to do so. You agree\nthat we have the right to refuse future advances under your line of credit\nor reduce your credit limit upon re-examination and re-evaluation of your\ncreditworthiness, should your creditworthiness change significantly.\n\nChange of Name, Address, Employment, Telephone\nYou agree to promptly report to us any change in your name, address,\nemployment, or telephone number.\nBalance Transfers\nBalance transfers are the transfer of balances from other lenders to your\nSchoolsFirst FCU credit card and cannot be applied to any amount you owe\nunder any other credit agreement or account you have with SchoolsFirst\nFCU.\nPurchases/Balance Transfers/Cash Advances\nYou may access your line of credit by making a purchase at a merchant\xe2\x80\x99s\nlocation that accepts the credit card, by requesting a Balance Transfer\norally or electronically, or in writing, or by making a cash advance. We\nwill not be responsible or liable to you should anyone refuse to accept or\nhonor your card, or should anyone retain your card and not return it to\nyou. You may request cash advances under this Agreement by writing a\nSchoolsFirst FCU convenience check; by making a written, telephone or\nelectronic request to us; or by requesting a cash advance at a financial\ninstitution or an ATM that accepts the credit card. You agree to repay all\nadvances for purchases, balance transfers, and cash advances made to\nyou or at the request of a joint borrower or authorized user under this\nAgreement, and you understand that all purchases, balance transfers, and\ncash advances will be subject to the terms of this Agreement. You agree\nnot to request advances, balance transfers, or make purchases or use your\naccount in any way that would make the unpaid balance of your account\nexceed your credit limit. Cash advances cannot be used to pay any amount\nyou owe under this Agreement or under any other credit agreement or\naccount you have with us now or in the future.\nMinimum Monthly Payments\nYou will receive a statement for each monthly billing period in which your\naccount has an outstanding or credit balance. The minimum monthly\npayment on your account is calculated at 2% of the statement balance\nor $25, whichever is greater. If your account balance is greater than your\nlimit or your account is past due, you will be billed for the greater of: the\nminimum monthly payment; or the past due amount; or the overlimit\namount. If the account is not paid down to the limit or below, the account\nis subject to closure. The minimum monthly payment must be received at\nthe payment center on or before the payment due date reflected on the\nfront of your monthly billing statement or the payment may be considered\npast due. Payments made in excess of the minimum payment will be\napplied first to the balance with the highest interest rate, then successively\nto each lower interest rate until the excess payment amount is exhausted.\nIf you have a credit balance on your account due to merchant credits,\nadjustments or overpayments, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it at your written\nrequest. An increase or decrease in the Annual Percentage Rate may result\nin an increase or decrease in your monthly payment.\nPromise to Pay\nYou agree to pay us, at the payment address stated on the front of your\nmonthly billing statement, all sums which have been accumulated on your\naccount by you or others with your permission, together with any finance\ncharges, late charges and any other service charges computed on your\naccount as set forth in this Agreement.\nAuthorizations\nMost transactions require approval of funds. Approvals result in placing\na hold against your credit limit. We may limit the number or amount of\napprovals or purchases and advances per day or deny transactions when\nwe detect unusual or suspicious activity, even if you have sufficient credit\navailable. We are not liable for failing to approve any transaction and we\nmay, although we are not required to, approve transactions above your\navailable credit. We are not liable if a merchant, financial institution, or\nATM does not honor your card.\n\nMembership Requirement\nYou must be a Member in good standing to be eligible for a credit card with\nus. We may suspend card privileges, including closing your account, if you\ndo not maintain your Membership with us in good standing.\nResponsibility for Account\nYou agree to repay us according to the terms of this Agreement for all\npurchases, advances, finance charges, fees and collection costs, if any,\narising from the use of this account by you or any other person you permit\nto use your card and/or account (even if that person exceeded the amount\nfor which you gave permission). If you decide to close your account,\nplease notify us orally or in writing and return all card(s) on the account.\nYou remain liable for any transactions to the account that we cannot\nprevent after you notify us. Any person using the account and/or card is\njointly and severally responsible for all charges on the account.\nLost, Stolen or Unauthorized Use\nIt is important to continually monitor your monthly statements to identify\nany unauthorized transactions. If your card is lost or stolen, or you believe\nthat someone has accessed or may access money from your card without\nyour permission, notify us immediately. If you notice unauthorized or\nfraudulent activity on your card, notify us immediately. Notify us at the\nphone number or address listed on your statement under \xe2\x80\x9cHow to Reach\nUs\xe2\x80\x9d. See Your Billing Rights for further information. If your card is used\nfraudulently, you agree to assist us in our investigation.\nRewards Cards Terms and Conditions\nIf you are participating in a Mastercard Rewards Card program, we have\nprovided you with a separate written disclosure stating additional Terms\nand Conditions on your Rewards Card account, and that disclosure is made\npart of this Agreement by this reference.\nAnnual Percentage Rate\nSchoolsFirst FCU has a loan program, which features a range of interest\nrates for some of its consumer loans. A rate is based on a variety of\nfactors, including the applicant\xe2\x80\x99s credit rating.\nThis Agreement establishes the Annual Percentage Rate for Purchases,\nBalance Transfers and Cash Advances under this credit card program. We\nhave provided you with a separate written disclosure stating the Annual\nPercentage Rate that will apply to purchases and cash advances on your\naccount. That disclosure is made part of this Agreement by this reference.\nAnnual Percentage Rate Variable Rate Credit Card Programs\nThe Annual Percentage Rate is subject to change monthly on the first\nday of the billing cycle. Note that an increase in the Annual Percentage\nRate may result in greater interest charges and a larger monthly payment.\nWe reserve the right to waive a change in your Annual Percentage\nRate when such a change can be made, but such waiver shall\nnot be construed as a waiver of our right to change the Annual\nPercentage Rate at a future date when entitled to do so.\nThe rate is determined by adding an index plus a margin. The index\nis the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as reported in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d tables of\nThe Wall Street Journal on the first business day of the month preceding\nthe start date of each current billing cycle. The tier and margin, and\nsubsequently the APR you receive, is determined by your creditworthiness.\nThe maximum Annual Percentage Rate is 18.00%.\n\nVariable Rate Margins\n\nPurchases\nBalance Transfers\nCash Advances\nPurchases\nBalance Transfers\nCash Advances\nPurchases\nBalance Transfers\nCash Advances\nPurchases\nBalance Transfers\nCash Advances\nPurchases\nBalance Transfers\nCash Advances\nPurchases\nBalance Transfers\nCash Advances\n\nInspire\n\nRewards\n\nTier 1+\n\nMargin\n5.25%\n5.25%\n10.25%\n\nMargin\nN/A\nN/A\nN/A\n\nTier 1\n\nMargin\n7.25%\n7.25%\n12.25%\n\nMargin\n8.25%\n8.25%\n13.25%\n\nTier 2\n\nMargin\n9.25%\n9.25%\n14.25%\n\nMargin\n10.25%\n10.25%\n15.25%\n\nTier 3\n\nMargin\n11.25%\n11.25%\n16.25%\n\nMargin\n12.25%\n12.25%\n17.25%\n\nTier 4\n\nMargin\n17.90%\n17.90%\n17.90%\n\nMargin\n17.90%\n17.90%\n17.90%\n\nTier 5\n\nMargin\n17.90%\n17.90%\n17.90%\n\nMargin\n17.90%\n17.90%\n17.90%\n\nAnnual Percentage Rate - Penalty Rate\nIf your credit card account is delinquent 60 days, we will increase your\nAnnual Percentage Rate on the entire balance to 17.90%. The Penalty\nAPR will continue to apply unless you make 6 consecutive minimum\npayments when due (beginning with the billing cycle immediately following\nthe application of the Penalty APR) and do not exceed your credit limit\nduring that time period. If these requirements are met, your credit card\nrate will be lowered to reflect your original tier.\nMonthly Periodic Rate\nThe Monthly Periodic Rate is determined by dividing the Annual Percentage\nRate by twelve (12 months in a year).\nCalculation of Interest Charges\nInterest Charges for each monthly billing cycle will be calculated by\nmultiplying the Average Adjusted Daily Balance by the Monthly Periodic\nRate. We will calculate your Average Adjusted Daily Balance as follows:\nWe take the outstanding balance (all amounts you owe) at the start of the\nday. Then, in the sequence in which the amounts post to your account, we\nadd the amount(s) of all debits and subtract the amount(s) of all payments\nand credits which post to your account that day. After applying payments\nand credits, we subtract any amount of late charge, interest charge, and\nany other charges that remain unpaid.\nThe result is the adjusted daily balance for that day. We add together all\nthe adjusted daily balances for each day in the billing cycle and divide the\ntotal by the number of days in the billing cycle. The result is the Average\nAdjusted Daily Balance for that billing cycle.\nInterest Charges are imposed only if you do not pay in full the new balance\nfor Purchases shown on your Periodic Statement within 25 days of the end\nof the statement period. However, interest charges will be assessed and\nwill accrue on any cash advance (see Purchases/Balance Transfers/\nCash Advances) from the date that such cash advance transaction is\nposted to your account to the date the cash advance balance is paid in\n\nfull or the Statement Closing Date whichever comes first, even if payment\nof the entire New Balance is received by us by the Payment Due Date. In\nother words, there is no time period within which credit extended to you\nby a cash advance may be repaid without incurring an interest charge.\nLate Charge\nIf the minimum payment due is not received by the Credit Union within\n15 days after the payment due date, a late charge of $25 will be imposed.\nAdditional Fees and Service Charges\nWe may charge additional service charges for the following:\n\xe2\x80\xa2 Each draft copy that you request: $10\n\xe2\x80\xa2 Additional copies of your monthly billing statement: $2 (per\nstatement)\n\xe2\x80\xa2 Any payment instrument or method including check, in-person,\nACH or other electronic transaction returned to us for any reason:\n$20\n\xe2\x80\xa2 Researching transactions occurring prior to your most recent\naccount statement: $20 per hour, minimum $20\n\xe2\x80\xa2 Convenience check stop payment: $15\n\xe2\x80\xa2 Balance transfer stop payment fee: $15\n\xe2\x80\xa2 Each request to have a credit card delivered by courier: $20\nChange in Terms\nThis Agreement is the contract which applies to all transactions on your\nAccount, even though the sales, Cash Advance, credit, or other documents\nyou sign, agree to, or receive, may contain different terms. We may\namend, modify, add to, or delete from this Agreement any term, condition,\nservice, or feature at any time, including the amount or calculation of\nINTEREST CHARGES. Unless we state otherwise, the change will affect\nany unpaid balance outstanding and any subsequent transactions. A\nnotice will be mailed to your last known address at least forty-five (45)\ndays prior to the effective date of the change as required by federal or\nother law. When a notice of change in terms is required, it may be sent as\nlate as the effective date of the change when the change has been agreed\nto in writing by you. Rates are based on approved credit.\nCancellation of Card\nYou may cancel your card at any time in writing, enclosing all cards on your\naccount cut in two. Cancellation of the card will end all charging privileges.\nWe have the right to revoke your right to use the credit card at any time.\nWe can do this with or without cause and without giving you notice. We\nmay list revoked credit cards in a cancellation bulletin or otherwise inform\nfirms honoring the credit card that the credit card issued to you has been\nrevoked or cancelled. If we revoke the credit card or it expires, you must\nreturn it to us if we so request. Also, if a firm that accepts the credit card\nasks you to surrender an expired or revoked credit card, you must do so.\nYou may not use the credit card after it has expired or after it has been\nrevoked. Cancellation or revocation of your credit card will not affect your\nobligation to pay any amounts that may be due under this Agreement.\nIllegal Activity\nYour Mastercard card may not be used for any illegal activity. Internet\ngambling may be illegal in the jurisdiction in which you are located,\nincluding the United States and its territories. Your card may only be\nused for legal transactions. Display of a payment card logo by an online\nmerchant does not mean that Internet gambling or other transactions\nare legal in the jurisdiction in which you are located. You agree to repay,\naccording to the terms of this Agreement, transactions you initiate by use\nof your card, whether deemed legal or illegal.\nInternet Transactions\nYour Mastercard is automatically enrolled in the Mastercard 3-D Secure\nprogram. 3-D Secure is designed as an additional layer of security for\nonline transactions when you use your credit card during a card-notpresent transaction. Your transaction is securely verified in the background\nand there is nothing else for you to do.\n\n\x0c'