determination shall not affect the validity or enforceability of any other You must contact us: listed under What To Do If You Find a Mistake on Your Statement�.
          Foreign Currency Transactions
                                    provision.                           �  Within 60 days after the error appeared on your statement. While we investigate, the same rules apply to the disputed amount as
  If you effect a transaction at a merchant that settles in a currency other
                                                Governing Law            �  At least 3 business days before an automated payment is discussed above. After we finish our investigation, we will tell you our
  than U.S. dollars, Mastercard International will convert the charge into
  a U.S. dollar amount. The conversion rate in U.S. dollars will be either This Agreement, your credit card line of credit, as well as our rights and scheduled, if you want to stop payment on the amount you decision. At that point, if we think you owe an amount and you do not pay
                                                                          think is wrong.                 we may report you as delinquent.
  at the government-mandated rate or a wholesale currency market rate duties and your rights and duties regarding them, will be governed by and
                                                                       You must notify us of any potential errors in writing (or electronically). You
  determined by Mastercard for the processing date on which the transaction interpreted in accordance with federal law to the fullest extent possible
  is processed. The currency conversion rate used by Mastercard on the and, to the extent federal law does not apply, in accordance with California may call us, but if you do we are not required to investigate any potential
  processing date may differ from the rate that would have been used on the law, regardless of where you live and use your credit card. This Agreement errors and you may have to pay the amount in question.
  purchase date or the cardholder statement posting date. is made in California. All credit will be extended from California, and all What will Happen After We Receive Your Letter
                                    repayment must be made in California. When we receive your letter, we must do two things:
           Foreign Transaction Fee
                                             Third Party/Mobile Devices  1. Within 30 days of receiving your letter, we must tell you
    (not applicable to Rewards Mastercard credit card)
                                                                          that we received your letter. We will also tell you if we have
  A fee of 2% of the transaction amount in US Dollars will be assessed We may also permit you or any authorized user to load information about
  on cross-border and international transactions. International transactions your account onto third party/mobile devices (such as a smartphone, already corrected the error.
                                                                         2. Within 90 days of receiving your letter, we must either
  include Internet transactions made when you are in the United States, but tablet, or any other handheld or wearable communication device that
                                                                          correct the error or explain to you why we believe the bill is
  the merchant processes the transaction in a foreign country. Transactions allows you to store or electronically present your account information)
                                                                          correct.
  acquired in U.S. territories, and transactions originating on U.S. military that would enable you to make purchases or engage in credit
  bases, at U.S. embassies and at U.S. consulates, are excluded from this transactions for your account without needing to show your credit card. While we investigate whether or not there has been an
  fee.                              You and we agree that any such use of your account will be subject to all error:
                                    the terms and conditions contained in this agreement. �  We cannot try to collect the amount in question, or report
            Convenience Checks                                            you as delinquent on that amount.
  You may access your credit line by writing checks provided by us for that To the extent you do use a third party/mobile device to make a credit
                                                                         �  The charge in question may remain on your statement, and
  purpose. The checks will be honored and paid up to your credit limit as transaction on your account, or load information about your account onto
                                                                          we may continue to charge you interest on that amount.
  long as the account is not in default. You may request a stop payment any such device, you need to be aware that we do not control the device
                                                                         �  While you do not have to pay the amount in question, you
  on a convenience check by phone or in writing. We must receive the and cannot guarantee the performance of either the device or any third
                                                                          are responsible for the remainder of the balance.
  request in time to afford us reasonable opportunity to act upon it under party.
                                                                         �  We can apply any unpaid amount against your credit limit.
  the Credit Union�s rules. Oral or telephone requests to stop payment must Additionally:
                                                                       After we finish our investigation, one of two things will happen:
  be confirmed by you in writing to us within 14 calendar days after your �  You agree to carefully protect the security of any devices
                                                                         �   If we made a mistake: You will not have to pay the amount
  original request, and if not so confirmed, such request will be considered the same as you would your cash, checks, credit cards and
                                                                          in question or any interest or other fees related to the
  to have lapsed after the 14 day period. We can only honor a stop payment other valuable information. We encourage you to password
                                                                          amount.
  request for 12 months from the date of request. You agree not to hold protect or lock your device to help prevent an unauthorized                                 �
                                                                         � If we do not believe there was a mistake: You will have to                MASTERCARD
  us responsible for any claims or liabilities of payees or endorsers on person from using it. You agree to promptly report any loss
                                                                          pay the amount in question, along with applicable interest
  convenience checks for which you have requested payment stopped. or theft to both us and the third party.
  You agree not to hold us responsible for the misrouting or delay of a   and fees. We will send you a statement of the amount you
                                       �  You may incur third party fees related to engaging in a                                                     AGREEMENT
  convenience check due to markings placed on the check by you or a prior owe and the date payment is due. We may then report you
                                        transaction (such as  mobile  carrier  data  or  messaging
  endorser that obscure any depository endorsement placed by us or our    as delinquent if you do not pay the amount we think you
                                        charges).                                                                                                         AND
  agent. We may recognize the signature of any borrower or authorized user owe.
                                       �  Credit transactions made through a third party/mobile
  on this account as authorized to transact any business on the account. If you receive our explanation but still believe your bill is wrong, you must
                                        device may  involve the  electronic transmission of                                                           DISCLOSURE
  Convenience checks cannot be used to pay any amount you owe under    write to us within 10 days telling us that you still refuse to pay. If you do
                                        information related to you or your account across wireless
  this Agreement or under any other credit agreement or account you have so, we cannot report you as delinquent without also reporting that you
                                        or computer networks. Third parties, such as merchants,                                                       STATEMENT
  with us now or in the future. Convenience checks are considered cash are questioning your bill. We must tell you the name of anyone to whom
                                        card association networks, mobile carriers, mobile wallet
  advances and accrue interest according to the method described for cash we reported you as delinquent, and we must let those organizations know
                                        operators, and software application providers may use and
  advances under the �CALCULATION OF FINANCE CHARGES� heading of       when the matter has been settled between us.
                                        receive information in connection with a credit transaction.
  this disclosure. Transactions made using convenience checks do not earn Third parties may also receive  information about your If we do not follow all of the rules above, you do not have to pay the first
  Rewards points.                       mobile device when you use it to make a credit transaction. $50 of the amount in question even if your bill is correct.
                                                                                                                                                    January 13, 2022
        Default/Collection/Attorney�s Fees � We may, at any time, partially or fully restrict your ability Your Rights If You Are Dissatisfied With Your
  You will be in default and understand that all loan credit under this to make credit transactions through a third party/mobile Credit Card Purchases
  Agreement may be terminated if (1) you do not make periodic payments device. You agree to notify us promptly if you remove or If you are dissatisfied with the goods or services that you have purchased
  as required by this Agreement, (2) you do not keep any promise made in want to remove your account information from any third with your credit card and you have tried in good faith to correct the
  this Agreement or any other agreement with this Credit Union, (3) any party/mobile device. problem with the merchant, you may have the right not to pay the
  information that you give us to obtain a loan advance is false, (4) any third YOUR BILLING RIGHTS: remaining amount due on the purchase.
  party attempts by legal process to take any property belonging to you, (5) To use this right, the following must be true:
                                         KEEP THIS DOCUMENT FOR FUTURE USE
  you die, become insolvent or are a party to any bankruptcy proceeding, or 1. The purchase must have been made in your home state
                                    This notice tells you about your rights and our responsibilities
  (6) as otherwise provided in this Agreement. If you are in default, we may or within 100 miles of your current mailing address, and
                                    under the Fair Credit Billing Act.
  refuse to make any further advances or refuse charge privileges to you  the purchase price must have been more than $50. (Note
                                    What To Do If You Find a Mistake on Your Statement. If you think
  and declare all sums owed under this Agreement immediately due and      neither of these are necessary if your purchase was based
                                    there is an error on your statement, write to us at: SchoolsFirst FCU
  payable. We may accept late payments or partial payments without losing on an advertisement we mailed to you, or if we own the
                                    P.O. BOX 11547, Santa Ana, CA 92711. You may also contact us on our
  any of our rights under this Agreement. You understand that if you are  company that sold you the goods or services.)
                                    website at schoolsfirstfcu.org.
  in default, we may add to your unpaid balance any reasonable attorney�s 2. You must have used your credit card for the purchase.
                                    In your letter, give us the following information:
  fees and court costs, all of which you agree to pay.                    Purchases made with cash advances from an ATM or with a
                                       � Account Information: Your name and account number
           Waivers and Severability                                       check that accesses your credit card account do not qualify.
                                       � Dollar Amount: The dollar amount of the suspected error.
  We may waive or decline to enforce any of our rights under this        3. You must not yet have fully paid for the purchase.
                                       � Description of problem: If you think there is an error on
  Agreement without affecting any of our other rights. Should any provision If all of the criteria above are met and you are still dissatisfied with the
                                        your bill, describe what you believe is wrong and why you
  of this Agreement be determined to be invalid or unenforceable, that purchase, contact us in writing (or electronically) at the address or website
                                        believe it is a mistake.                                                                    M-134775
  13818702_1_M-134775.indd  1                                                                                                                                          11/30/21  4:16 PM
                                       Change of Name, Address, Employment, Telephone Membership Requirement        Variable Rate Margins    full or the Statement Closing Date whichever comes first, even if payment
  You agree to the following terms and conditions and any amendments
                                     You agree to promptly report to us any change in your name, address, You must be a Member in good standing to be eligible for a credit card with of the entire New Balance is received by us by the Payment Due Date. In
  thereto.
                                     employment, or telephone number.   us. We may suspend card privileges, including closing your account, if you Inspire Rewards other words, there is no time period within which credit extended to you
            Accepting This Agreement
                                  �             Balance Transfers       do not maintain your Membership with us in good standing.            by a cash advance may be repaid without incurring an interest charge.
  Before you sign or use the SchoolsFirst Federal Credit Union Mastercard                                             Tier 1+ Margin Margin
                                     Balance transfers are the transfer of balances from other lenders to your Responsibility for Account                 Late Charge
  credit card issued to you, please read this Agreement thoroughly, because                                Purchases       5.25%   6.50%
                                     SchoolsFirst FCU credit card and cannot be applied to any amount you owe You agree to repay us according to the terms of this Agreement for all If the minimum payment due is not received by the Credit Union within
  by using the credit card you will be agreeing with us to the terms and                                   Balance Transfers 5.25% 6.50%
                                     under any other credit agreement or account you have with SchoolsFirst purchases, advances, finance charges, fees and collection costs, if any, 15 days after the payment due date, a late charge of $25 will be imposed.
  conditions stated in this Agreement. If you do not wish to be bound by this                              Cash Advances   10.25%  11.50%
                                     FCU.                               arising from the use of this account by you or any other person you permit
  Agreement, do not use the credit card and contact us to let us know that                                                                         Additional Fees and Service Charges
                                         Purchases/Balance Transfers/Cash Advances to use your card and/or account (even if that person exceeded the amount Tier 1 Margin Margin
  you wish to cancel your credit card account with us. If you have received                                                                  We may charge additional service charges for the following:
                                     You may access your line of credit by making a purchase at a merchant�s for which you gave permission). If you decide to close your account, Purchases 7.25% 8.25%
  a card or checks to access the card account, destroy them.                                                                                   � Each draft copy that you request: $10
                                     location that accepts the credit card, by requesting a Balance Transfer please notify us orally or in writing and return all card(s) on the account. Balance Transfers 7.25% 8.25% �  Additional copies of your monthly billing statement: $2 (per
               Definitions
                                     orally or electronically, or in writing, or by making a cash advance. We You remain liable for any transactions to the account that we cannot Cash Advances 12.25% 13.25% statement)
  In this Agreement the words �you�, �your�, and �yours� mean each and
                                     will not be responsible or liable to you should anyone refuse to accept or prevent after you notify us. Any person using the account and/or card is �  Any payment instrument or method including check, in-person,
  all of the person(s) who apply for and/or use the card, the words �credit jointly and severally responsible for all charges on the account. Tier 2 Margin Margin
                                     honor your card, or should anyone retain your card and not return it to                                    ACH or other electronic transaction returned to us for any reason:
  card� mean the SchoolsFirst Federal Credit Union Mastercard credit card,                                 Purchases       9.25%   10.25%
                                     you. You may request cash advances under this Agreement by writing a Lost, Stolen or Unauthorized Use      $20
  and the words, �we�, �our�, �us�, and �Credit Union� mean the SchoolsFirst                               Balance Transfers 9.25% 10.25%
                                     SchoolsFirst FCU convenience check; by making a written, telephone or It is important to continually monitor your monthly statements to identify �  Researching transactions occurring prior to your most recent
  Federal Credit Union.                                                                                    Cash Advances   14.25%  17.90%
                                     electronic request to us; or by requesting a cash advance at a financial any unauthorized transactions. If your card is lost or stolen, or you believe account statement: $20 per hour, minimum $20
     Liability of All Cardholders and Authorized Users institution or an ATM that accepts the credit card. You agree to repay all that someone has accessed or may access money from your card without Tier 3 Margin Margin � Convenience check stop payment: $15
  You understand that you are liable for the payment of all sums due under advances for purchases, balance transfers, and cash advances made to your permission, notify us immediately. If you notice unauthorized or Purchases 11.25% 12.25% �  Balance transfer stop payment fee: $15
  this Agreement. If there is more than one borrower or authorized user you or at the request of a joint borrower or authorized user under this fraudulent activity on your card, notify us immediately. Notify us at the Balance Transfers 11.25% 12.25% � Each request to have a credit card delivered by courier: $20
  on this account, each person, individually, and all persons jointly are Agreement, and you understand that all purchases, balance transfers, and phone number or address listed on your statement under �How to Reach Cash Advances 17.90% 17.90% Change in Terms
  obligated to repay all sums due under this Agreement. You agree that cash advances will be subject to the terms of this Agreement. You agree Us�. See Your Billing Rights for further information. If your card is used This Agreement is the contract which applies to all transactions on your
  all statements made in your application for your credit card were for the not to request advances, balance transfers, or make purchases or use your fraudulently, you agree to assist us in our investigation. Tier 4 Margin Margin
                                                                                                                                             Account, even though the sales, Cash Advance, credit, or other documents
  purpose of obtaining credit and are true, correct, and complete to the best account in any way that would make the unpaid balance of your account Purchases 17.90% 17.90%
                                                                              Rewards Cards Terms and Conditions                             you sign, agree to, or receive, may contain different terms. We may
  of your knowledge and belief.      exceed your credit limit. Cash advances cannot be used to pay any amount Balance Transfers 17.90% 17.90%
                                                                        If you are participating in a Mastercard Rewards Card program, we have amend, modify, add to, or delete from this Agreement any term, condition,
               Credit Limit          you owe under this Agreement or under any other credit agreement or   Cash Advances   17.90%  17.90%
                                                                        provided you with a separate written disclosure stating additional Terms service, or feature at any time, including the amount or calculation of
  This Agreement establishes a credit card account for you with an open account you have with us now or in the future. and Conditions on your Rewards Card account, and that disclosure is made Tier 5 Margin Margin INTEREST CHARGES. Unless we state otherwise, the change will affect
  end line of credit. We will establish a credit limit for you, and may increase Minimum Monthly Payments part of this Agreement by this reference. Purchases 17.90% 17.90% any unpaid balance outstanding and any subsequent transactions. A
  or decrease that credit limit from time to time. We have provided you You will receive a statement for each monthly billing period in which your Annual Percentage Rate Balance Transfers 17.90% 17.90% notice will be mailed to your last known address at least forty-five (45)
  with a separate written disclosure stating the credit limit for purchases account has an outstanding or credit balance. The minimum monthly SchoolsFirst FCU has a loan program, which features a range of interest Cash Advances 17.90% 17.90% days prior to the effective date of the change as required by federal or
  and cash advances on your account, and that disclosure is made a part payment on your account is calculated at 2% of the statement balance rates for some of its consumer loans. A rate is based on a variety of other law. When a notice of change in terms is required, it may be sent as
  of this Agreement by this reference. Your monthly statements will show or $25, whichever is greater. If your account balance is greater than your factors, including the applicant�s credit rating. late as the effective date of the change when the change has been agreed
  the amount of credit available to you for purchases and cash advances limit or your account is past due, you will be billed for the greater of: the Annual Percentage Rate - Penalty Rate to in writing by you. Rates are based on approved credit.
  as of the statement date. We will give you written notice of any change This Agreement establishes the Annual Percentage Rate for Purchases,
                                     minimum monthly payment; or the past due amount; or the overlimit    If your credit card account is delinquent 60 days, we will increase your
  in your credit limit. If your credit limit is decreased for any reason, any Balance Transfers and Cash Advances under this credit card program. We   Cancellation of Card
                                     amount. If the account is not paid down to the limit or below, the account Annual Percentage Rate on the entire balance to 17.90%. The Penalty
                                                                        have provided you with a separate written disclosure stating the Annual You may cancel your card at any time in writing, enclosing all cards on your
  subsequent request for a credit limit increase will be subject to credit is subject to closure. The minimum monthly payment must be received at APR will continue to apply unless you make 6 consecutive minimum
                                                                                                                                             account cut in two. Cancellation of the card will end all charging privileges.
  application and approval. You agree not to use your account in any way Percentage Rate that will apply to purchases and cash advances on your
                                     the payment center on or before the payment due date reflected on the payments when due (beginning with the billing cycle immediately following
                                                                        account. That disclosure is made part of this Agreement by this reference. We have the right to revoke your right to use the credit card at any time.
  which would make the unpaid balance of your account or cash advances on front of your monthly billing statement or the payment may be considered the application of the Penalty APR) and do not exceed your credit limit
                                                                                                                                             We can do this with or without cause and without giving you notice. We
  your account exceed your credit limit. You also agree to pay us the amount past due. Payments made in excess of the minimum payment will be Annual Percentage  Rate - during that time period. If these requirements are met, your credit card
                                                                                                                                             may list revoked credit cards in a cancellation bulletin or otherwise inform
  of any transactions on your account in excess of your credit limit along applied first to the balance with the highest interest rate, then successively Variable Rate Credit Card Programs rate will be lowered to reflect your original tier.
                                                                                                                                             firms honoring the credit card that the credit card issued to you has been
  with your regular minimum payment at your next scheduled payment due to each lower interest rate until the excess payment amount is exhausted. The Annual Percentage Rate is subject to change monthly on the first Monthly Periodic Rate revoked or cancelled. If we revoke the credit card or it expires, you must
  date. Purchases and advances are subject to daily limits that may restrict If you have a credit balance on your account due to merchant credits, day of the billing cycle. Note that an increase in the Annual Percentage The Monthly Periodic Rate is determined by dividing the Annual Percentage return it to us if we so request. Also, if a firm that accepts the credit card
  the full use of your Credit Limit. adjustments or overpayments, we will hold and apply this credit balance Rate may result in greater interest charges and a larger monthly payment. Rate by twelve (12 months in a year). asks you to surrender an expired or revoked credit card, you must do so.
          Personal Identification Number against future purchases and cash advances, or refund it at your written We reserve the right to waive a change in your Annual Percentage Calculation of Interest Charges You may not use the credit card after it has expired or after it has been
  A Personal Identification Number (PIN) may be obtained by calling request. An increase or decrease in the Annual Percentage Rate may result Rate when such a change can be made, but such waiver shall Interest Charges for each monthly billing cycle will be calculated by revoked. Cancellation or revocation of your credit card will not affect your
  866.955.1347. This PIN may be used by you with your credit card to obtain in an increase or decrease in your monthly payment. not be construed as a waiver of our right to change the Annual multiplying the Average Adjusted Daily Balance by the Monthly Periodic obligation to pay any amounts that may be due under this Agreement.
  a cash advance on your account at any Automated Teller Machine (ATM) Promise to Pay Percentage Rate at a future date when entitled to do so. Rate. We will calculate your Average Adjusted Daily Balance as follows: Illegal Activity
  displaying the Mastercard logo or to make purchases at any designated You agree to pay us, at the payment address stated on the front of your The rate is determined by adding an index plus a margin. The indexis We take the outstanding balance (all amounts you owe) at the start of the Your Mastercard card may not be used for any illegal activity. Internet
  point of sale (POS) machine. Please keep your PIN confidential and do not monthly billing statement, all sums which have been accumulated on your the highest �Prime Rate� as reported in the �Money Rates� tables ofThe day. Then, in the sequence in which the amounts post to your account, we gambling may be illegal in the jurisdiction in which you are located,
  write it on or keep it with your credit card. account by you or others with your permission, together with any finance Wall Street Journal on the first business day of the month preceding the add the amount(s) of all debits and subtract the amount(s) of all payments including the United States and its territories. Your card may only be
             Credit Information      charges, late charges and any other service charges computed on your start date of each current billing cycle. The tier and margin, and and credits which post to your account that day. After applying payments used for legal transactions. Display of a payment card logo by an online
  You agree that we may re-examine and re-evaluate your creditworthiness account as set forth in this Agreement. subsequently the APR you receive, is determined by your creditworthiness. and credits, we subtract any amount of late charge, interest charge, and merchant does not mean that Internet gambling or other transactions
  at any time. You authorize us to obtain, from time to time, information from Authorizations The maximum Annual Percentage Rate is 18.00%. any other charges that remain unpaid. are legal in the jurisdiction in which you are located. You agree to repay,
  others, including, but not limited to credit reporting agencies, concerning Most transactions require approval of funds. Approvals result in placing The result is the adjusted daily balance for that day. We add together all according to the terms of this Agreement, transactions you initiate by use
  you and your credit accounts. You also authorize us to respond to requests a hold against your credit limit. We may limit the number or amount of the adjusted daily balances for each day in the billing cycle and divide the of your card, whether deemed legal or illegal.
  from others and to provide information regarding the status and history of approvals or purchases and advances per day or deny transactions when total by the number of days in the billing cycle. The result is the Average
                                                                                                                                                       Internet Transactions
  your account with us. However, we are not obligated to release any such we detect unusual or suspicious activity, even if you have sufficient credit Adjusted Daily Balance for that billing cycle.
                                                                                                                                             Your Mastercard is automatically enrolled in the Mastercard 3-D Secure
  information to anyone unless we are required by law to do so. You agree available. We are not liable for failing to approve any transaction and we Interest Charges are imposed only if you do not pay in full the new balance
                                                                                                                                             program. 3-D Secure is designed as an additional layer of security for
  that we have the right to refuse future advances under your line of credit may, although we are not required to, approve transactions above your for Purchases shown on your Periodic Statement within 25 days of the end
                                                                                                                                             online transactions when you use your credit card during a card-not-
  or reduce your credit limit upon re-examination and re-evaluation of your available credit. We are not liable if a merchant, financial institution, or of the statement period. However, interest charges will be assessed and
                                                                                                                                             present transaction. Your transaction is securely verified in the background
  creditworthiness, should your creditworthiness change significantly. ATM does not honor your card.      will accrue on any cash advance (see Purchases/Balance Transfers/
                                                                                                                                             and there is nothing else for you to do.
                                                                                                          Cash Advances) from the date that such cash advance transaction is
                                                                                                          posted to your account to the date the cash advance balance is paid in
  13818702_1_M-134775.indd  2                                                                                                                                          11/30/21  4:16 PM