this Agreement any term, condition, service, or feature at any  conversion rate.  by and interpreted in accordance with federal law to the fullest extent  owe.
  time, including the amount or calculation of INTEREST CHARGES.       possible and, to the extent federal law does not apply, in accordance 
                                             International Service Fee                                    If you receive our explanation but still believe your bill is wrong, 
  Unless we state otherwise, the change will affect any unpaid         with California law, regardless of where you live and use your credit 
                                    A fee of 2% of the transaction amount in US Dollars will be assessed  you must write to us within 10 days telling us that you still refuse to 
  balance outstanding and any subsequent transactions.  A notice       card. This Agreement is made in California. All credit will be extended 
                                    on international transactions. Transactions acquired in U.S. territories,  pay. If you do so, we cannot report you as delinquent without also 
  will be mailed to your last known address at least forty-?ve (45)    from California, and all repayment must be made in California.
                                    and transactions originating on U.S. military bases, at U.S. embassies  reporting that you are questioning your bill. We must tell you the 
  days prior to the effective date of the change as required by federal 
                                    and at U.S. consulates, are excluded from this fee.  YOUR BILLING RIGHTS:  name of anyone to whom we reported you as delinquent, and we 
  or other law.  When a notice of change in terms is required, it 
                                                                             KEEP THIS DOCUMENT FOR FUTURE USE must let those organizations know when the matter has been settled 
  may be sent as late as the effective date of the change when the  Convenience Checks
                                                                       This notice tells you about your rights and our responsibilities  between us.
  change has been agreed to in writing by you.  Rates are based on  You may access your credit line by writing checks provided by us for 
                                                                       under the Fair Credit Billing Act.
  approved credit.                  that purpose. The checks will be honored and paid up to your credit   If we do not follow all of the rules above, you do not have to pay the 
                                    limit as long as the account is not in default. You may request a stop  What To Do If You Find a Mistake on Your Statement. If you  ?rst $50 of the amount in question even if your bill is correct.
            Cancellation of Card
                                    payment on a convenience check by phone or in writing. We must  think there is an error on your statement, write to us at: SchoolsFirst 
  You may cancel your card at any time in writing, enclosing all cards                                     Your Rights If You Are Dissatis?ed With Your Credit Card 
                                    receive the request in time to afford us reasonable opportunity to  FCU P.O. BOX 11547, Santa Ana, CA 92711. You may also contact 
  on your account cut in two. Cancellation of the card will end all                                                    Purchases
                                    act upon it under the Credit Union�s rules. Oral or telephone requests  us on our website at schools?rstFCU.org. 
  charging privileges.  We have the right to revoke your right to use                                     If you are dissatis?ed with the goods or services that you have 
                                    to stop payment must be con?rmed by you in writing to us within 
  the credit card at any time. We can do this with or without cause    In your letter, give us the following information: purchased with your credit card and you have tried in good faith to 
                                    fourteen (14) calendar days after your original request, and if not so 
  and without giving you notice. We may list revoked credit cards         �	 Account Information: Your name and account number correct the problem with the merchant, you may have the right not to 
                                    con?rmed, such request will be considered to have lapsed after the 
  in a cancellation bulletin or otherwise inform ?rms honoring the        �	 Dollar Amount: The dollar amount of the suspected error. pay the remaining amount due on the purchase.
                                    fourteen day period. We can only honor a stop payment request for 12 
  credit card that the credit card issued to you has been revoked         �	 Description of problem: If you think there is an error on 
                                    months from the date of request. You agree not to hold us responsible  To use this right, the following must be true:
  or cancelled. If we revoke the credit card or it expires, you must        your bill, describe what you believe is wrong and why you 
                                    for any claims or liabilities of payees or endorsers on convenience      1.  The purchase must have been made in your home state 
  return it to us if we so request. Also, if a ?rm that accepts the         believe it is a mistake.
                                    checks for which you have requested payment stopped. You agree not         or within 100 miles of your current mailing address, and 
  credit card asks you to surrender an expired or revoked credit 
                                    to hold us responsible for the misrouting or delay of a convenience  You must contact us: the purchase price must have been more than $50. (Note 
  card, you must do so. You may not use the credit card after it has 
                                    check due to markings placed on the check by you or a prior endorser  �	 Within  60  days  after  the  error  appeared  on  your  neither of these are necessary if your purchase was based 
  expired or after it has been revoked.  Cancellation or revocation of 
                                    that obscure any depository endorsement placed by us or our agent.  statement. on an advertisement we mailed to you, or if we own the 
  your credit card will not affect your obligation to pay any amounts 
                                    We may recognize the signature of any borrower or authorized  �	 At least 3 business days before an automated payment is  company that sold you the goods or services.)
  that may be due under this Agreement.
                                    user on this account as authorized to transact any business on the  scheduled, if you want to stop payment on the amount you  2.  You must have used your credit card for the purchase. 
              Illegal Activity      account.  Convenience checks cannot be used to pay any amount you  think is wrong. Purchases made with cash advances from an ATM or with 
  Your Visa� card may not be used for any illegal activity. Internet  owe under this Agreement or under any other credit agreement or  You must notify us of any potential errors in writing (or electronically).  a check that accesses your credit card account do not 
  gambling may be illegal in the jurisdiction in which you are located,  account you have with us now or in the future. Convenience checks  You may call us, but if you do we are not required to investigate any  qualify. VISA  
  including the United States and its territories. Your card may only  are considered cash advances and accrue interest according to the  potential errors and you may have to pay the amount in question. 3.  You must not yet have fully paid for the purchase.
  be used for legal transactions. Display of a payment card logo by  method described for cash advances under the �CALCULATION OF  What will Happen After We Receive Your Letter If all of the criteria above are met and you are still dissatis?ed with  AGREEMENT AND
  an online merchant does not mean that Internet gambling or other  FINANCE CHARGES� heading of this disclosure. Transactions made  When we receive your letter, we must do two things: the purchase, contact us in writing (or electronically) at the address 
  transactions are legal in the jurisdiction in which you are located.  using convenience checks do not earn Rewards points. 1.  Within 30 days of receiving your letter, we must tell you  or website listed under What To Do If You Find a Mistake on  DISCLOSURE  
  You agree to repay, according to the terms of this Agreement, 
                                           Default/Collection/Attorney�s Fees that we received your letter. We will also tell you if we have  Your Statement�. While we investigate, the same rules apply to the 
  transactions you initiate by use of your card, whether deemed 
                                    You will be in default and understand that all loan credit under this  already corrected the error. disputed amount as discussed above. After we ?nish our investigation,  STATEMENT
  legal or illegal.
                                    Agreement may be terminated if (1) you do not make periodic  2.  Within 90 days of receiving your letter, we must either  we will tell you our decision. At that point, if we think you owe an 
            Internet Transactions   payments as required by this Agreement, (2) you do not keep any  correct the error or explain to you why we believe the bill  amount and you do not pay we may report you as delinquent.
  Your Visa� card is automatically enrolled in the Veri?ed by Visa�  promise made in this Agreement or any other agreement with this  is correct.
  program. To make transactions over the Internet, merchants  Credit Union, (3) any information that you give us to obtain a loan  While we investigate whether or not there has been an error:
  may  request  your  Veri?ed  by  Visa�  password  to  complete  advance is false, (4) any third party attempts by legal process to take  �	 We cannot try to collect the amount in question, or report 
  the transactions. If a password is not provided, or you do not  any property belonging to you, (5) you die, become insolvent or are  you as delinquent on that amount.
  successfully register with Veri?ed by Visa�, the merchant may  a party to any bankruptcy proceeding, or (6) as otherwise provided  �	 The charge in question may remain on your statement, 
  deny the transaction. If the password is incorrect, we may deny  in this Agreement. If you are in default, we may refuse to make any               January 1, 2013
                                                                            and we may continue to charge you interest on that 
  the transaction. You can select or change your password and view  further advances or refuse charge privileges to you and declare all  amount.
  additional terms online at schools?rstfcu.org by clicking on the  sums owed under this Agreement immediately due and payable. We  �	 While you do not have to pay the amount in question, you 
  Veri?ed by Visa� link under �Related Topics� on the credit card  may accept late payments or partial payments without losing any of  are responsible for the remainder of the balance.
  product pages. By allowing another person to use your Veri?ed  our rights under this Agreement. You understand that if you are in  �	 We can apply any unpaid amount against your credit 
  by Visa password you are authorizing the transaction(s) on your  default, we may add to your unpaid balance any reasonable attorney�s  limit.
  account.                          fees and court costs, all of which you agree to pay.
                                                                       After  we  ?nish  our  investigation,  one  of  two  things  will 
          Foreign Currency Transactions      Waivers and Severability  happen:
  If you effect a transaction at a merchant that settles in a currency  We may waive or decline to enforce any of our rights under this  �	 If we made a mistake: You will not have to pay the amount 
  other than U.S. dollars, Visa� Incorporated will convert the charge  Agreement without affecting any of our other rights.  Should  in question or any interest or other fees related to the 
  into a U.S. dollar amount. The conversion rate in U.S. dollars  any provision of this Agreement be determined to be invalid or  amount.
  will be either at the government-mandated rate or a wholesale  unenforceable, that determination shall not affect the validity or  �	 If we do not believe there was a mistake: You will have to 
  currency market rate determined by Visa� for the processing date  enforceability of any other provision. pay the amount in question, along with applicable interest 
  on which the transaction is processed. The currency conversion 
                                                Governing Law               and fees. We will send you a statement of the amount you 
  rate used by Visa� on the processing date may differ from the rate 
                                    This Agreement, your credit card line of credit, as well as our rights  owe and the date payment is due. We may then report you 
  that would have been used on the purchase date or the cardholder 
                                    and duties and your rights and duties regarding them, will be governed  as delinquent if you do not pay the amount we think you 
  statement posting date. The Credit Union has no control over the                                                                M-108429
  You agree to the following terms and conditions and any amendments  is incorporated into and made part of this Agreement and Disclosure  The minimum monthly payment must be received at the payment  Terms and Conditions on your Rewards Card account, and that  not exceed your credit limit during that time period. If these 
  thereto.                           Statement by this reference.       center on or before the payment due date re?ected on the front of  disclosure is made part of this Agreement by this reference.  requirements are met, your credit card rate will be lowered to 
                                                                        your monthly billing statement or the payment may be considered       re?ect your original tier.
           Accepting This Agreement          Personal Identi?cation Number                                           Annual Percentage Rate
                                                                        past due. Payments made in excess of the minimum payment will 
  Before you sign or use the SchoolsFirst Federal Credit Union Visa�  A  Personal  Identi?cation  Number  (PIN)  may  be  obtained  by  SchoolsFirst FCU has a loan program, which features a range of  Monthly Periodic Rate
                                                                        be applied ?rst to the balance with the highest interest rate, then 
  credit card issued to you, please read this Agreement thoroughly,  selecting your own PIN at any SchoolsFirst FCU branch or by calling  interest rates for some of its consumer loans. A rate is based on a  The Monthly Periodic Rate is determined by dividing the Annual 
                                                                        successively to each lower interest rate until the excess payment 
  because by using the credit card you will be agreeing with us to the  877.315.3483. This PIN may be used by you with your credit card  variety of factors, including the applicant�s credit rating.  Percentage Rate by twelve (12 months in a year).
                                                                        amount is exhausted. If you have a credit balance on your account due 
  terms and conditions stated in this Agreement. If you do not wish to  to obtain a cash advance on your account at any Automated Teller 
                                                                        to merchant credits, adjustments or overpayments, we will hold and  This Agreement establishes the Annual Percentage Rate for  Calculation of Interest Charges
  be bound by this Agreement, do not use the credit card, and write to  Machine (ATM) displaying the Visa� logo or to make purchases at 
                                                                        apply this credit balance against future purchases and cash advances,  Purchases, Balance Transfers and Cash Advances under this credit  Interest Charges for each monthly billing cycle will be calculated 
  us and tell us that you wish to cancel your credit card account with  any designated point of sale (POS) machine. Please keep your PIN 
                                                                        or refund it at your written request. An increase or decrease in the  card program. We have provided you with a separate written  by multiplying the Average Adjusted Daily Balance by the Monthly 
  us. If you have received a card or checks to access the card account,  con?dential and do not write it on or keep it with your credit card.
                                                                        Annual Percentage Rate may result in an increase or decrease in your  disclosure stating the Annual Percentage Rate that will apply to  Periodic Rate. We will calculate your Average Adjusted Daily 
  destroy them.
                                                Credit Information      monthly payment.                   purchases and cash advances on your account. That disclosure is  Balance as follows: We take the outstanding balance (all amounts 
               De?nitions            You agree that we may re-examine and re-evaluate your                 made part of this Agreement by this reference.  you owe) at the start of the day. Then, in the sequence in which 
                                                                                    Promise to Pay
  In this Agreement the words �you�, �your�, and �yours� mean each  creditworthiness at any time. You authorize us to obtain, from time       the amounts post to your account, we add the amount(s) of all 
                                                                        You agree to pay us, at the payment address stated on the front of  See Annual Percentage Rate - Variable Rate Credit Card 
  and all of the person(s) who apply for and/or use the card, the words  to time, information from others, including, but not limited to credit  debits and subtract the amount(s) of all payments and credits 
                                                                        your monthly billing statement, all sums which have been accumulated  Programs below for additional information on variable rate cards.
  �credit card� mean the SchoolsFirst Federal Credit Union Visa� credit  reporting agencies, concerning you and your credit accounts. You     which post to your account that day. After applying payments and 
                                                                        on your account by you or others with your permission, together with 
  card, and the words, �we�, �our�, �us�, and �Credit Union� mean the  also authorize us to respond to requests from others and to provide  See Annual Percentage Rate - Penalty Rate below for additional  credits, we subtract any amount of late charge, interest charge, 
                                                                        any ?nance charges, late charges and any other service charges 
  SchoolsFirst Federal Credit Union. information regarding the status and history of your account with     information.                       and any other charges that remain unpaid.
                                                                        computed on your account as set forth in this Agreement.
                                     us. However, we are not obligated to release any such information 
      Liability of All Cardholders and Authorized Users                                                       Annual Percentage Rate  -  Variable Rate Credit Card  The result is the adjusted daily balance for that day. We add 
                                     to anyone unless we are required by law to do so. You agree that we  Authorizations
  You understand that you are liable for the payment of all sums due                                                     Programs             together all the adjusted daily balances for each day in the billing 
                                     have the right to refuse future advances under your line of credit or  Most transactions require approval of funds.  Approvals result in 
  under this Agreement. If there is more than one borrower or authorized                                   The Annual Percentage Rate is subject to change monthly on the  cycle and divide the total by the number of days in the billing 
                                     reduce your credit limit upon re-examination and re-evaluation of your  placing a hold against your credit limit.  We may limit the number 
  user on this account, each person, individually, and all persons jointly                                 ?rst day of the billing cycle.  Note that an increase in the Annual  cycle. The result is the Average Adjusted Daily Balance for that 
                                     creditworthiness, should your creditworthiness change signi?cantly. or amount of approvals or purchases and advances per day or deny 
  are obligated to repay all sums due under this Agreement. You agree                                      Percentage Rate may result in greater interest charges and a larger  billing cycle.
                                                                        transactions when we detect unusual or suspicious activity, even if 
  that all statements made in your application for your credit card were  Change of Name, Address, Employment, Telephone monthly payment.
                                                                        you have suf?cient credit available.  We are not liable for failing to  Interest Charges are imposed only if you do not pay in full the new 
  for the purpose of obtaining credit and are true, correct, and complete  You agree to promptly report to us any change in your name, address, 
                                                                        approve any transaction and we may, although we are not required to,  The rate is determined by adding an index plus a margin.  The index  balance for Purchases shown on your Periodic Statement within 
  to the best of your knowledge and belief. employment, or telephone number.
                                                                        approve transactions above your available credit.  We are not liable if  is the highest �Prime Rate� as reported in the �Money Rates� tables  25 days of the end of the statement period. However, interest 
               Credit Limit                     Balance Transfers       a merchant, ?nancial institution, or ATM does not honor your card. of The Wall Street Journal on the ?rst business day of the month  charges will be assessed and will accrue on any cash advance 
  This Agreement establishes a credit card account for you with an  When the Credit Union uses the term �balance transfer� this refers  preceding the start date of each current billing cycle.  The tier and  (see Purchases/Cash Advances) from the date that such cash 
                                                                                 Membership Requirement
  open end line of credit. We will establish a credit limit for you, and  to the transfer of balances from other lenders to your SchoolsFirst  margin, and subsequently the APR you receive, is determined by  advance transaction is posted to your account to the date the 
                                                                        You must be a Member in good standing to be eligible for a credit 
  may increase or decrease that credit limit from time to time. We  FCU credit card.                       your creditworthiness. The maximum Annual Percentage Rate is  cash advance balance is paid in full or the Statement Closing Date 
                                                                        card with us.  We may suspend card privileges, including closing your 
  have provided you with a separate written disclosure stating the                                         18.00%.                            whichever comes ?rst, even if payment of the entire New Balance 
                                              Purchases/Cash Advances   account, if you do not maintain your Membership with us in good 
  credit limit for purchases and cash advances on your account, and                                                                           is received by us by the Payment Due Date. In other words, there 
                                     You may access your line of credit by making a purchase at a  standing.         Variable Rate Margins
  that disclosure is made a part of this Agreement by this reference.                                                                         is no time period within which credit extended to you by a cash 
                                     merchant�s location that accepts the credit card, by requesting a                    Gold  Rewards Platinum
  Your monthly statements will show the amount of credit available to            Responsibility for Account                                   advance may be repaid without incurring an interest charge.
                                     Balance Transfer orally or electronically, or in writing, or by making 
  you for purchases and cash advances as of the statement date. We      You agree to repay us according to the terms of this Agreement for               Tier 1 Margin  Margin  Margin 
                                     a cash advance. We will not be responsible or liable to you should                                                   Late Charge
  will give you written notice of any change in your credit limit. If your  all purchases, advances, ?nance charges, fees and collection costs, if  Purchases  7.25%  8.25%  5.25% 
                                     anyone refuse to accept or honor your card, or should anyone retain                                      If the minimum payment due is not received by the Credit Union 
  credit limit is decreased for any reason, any subsequent request for a  any, arising from the use of this account by you or any other person  Balance Transfers  7.25%  8.25%  5.25% 
                                     your card and not return it to you. You may request cash advances                                        within 15 days after the payment due date, a late charge of $25 
  credit limit increase will be subject to credit application and approval.  you permit to use your card and/or account (even if that person  Cash Advances 12.25% 13.25% 10.25%
                                     under this Agreement by writing a SchoolsFirst FCU convenience                                           will be imposed.
  You agree not to use your account in any way which would make the     exceeded the amount for which you gave permission).  If you decide 
                                     check; by making a written, telephone or electronic request to us; or                Tier 2 Margin  Margin  Margin 
  unpaid balance of your account or cash advances on your account       to close your account please notify us orally or in writing and return      Additional Fees and Service Charges
                                     by requesting a cash advance at a ?nancial institution or an ATM that  Purchases   9.25%  10.25%  7.25% 
  exceed your credit limit. You also agree to pay us the amount of any  all card(s) on the account.  You remain liable for any transactions to  We may charge additional service charges for the following:
                                     accepts the credit card. You agree to repay all advances for purchases  Balance Transfers  9.25%  10.25%  7.25% 
  transactions on your account in excess of your credit limit along with  the account that we cannot prevent after you notify us.  Any person   � each draft copy that you request: $10
                                     and cash advances made to you or at the request of a joint borrower    Cash Advances 14.25% 15.25% 12.25%
  your regular minimum payment at your next scheduled payment due       using the account and/or card is jointly and severally responsible for  � additional copies of your monthly billing statement: $2 (per 
                                     or authorized user under this Agreement, and you understand that 
  date. Purchases and advances are subject to daily limits that may     all charges on the account.
                                     all purchases and cash advances will be subject to the terms of this                 Tier 3 Margin  Margin  Margin  statement)
  restrict the full use of your Credit Limit.                                                               Purchases   11.25%  12.25%  9.25%   � any  payment  instrument  or  method  including  check,  in-
                                     Agreement. You agree not to request advances or make purchases or  Lost, Stolen or Unauthorized Use
                                                                                                            Balance Transfers  11.25%  12.25%  9.25%  person, ACH or other electronic transaction returned to us for 
             Pledges of Shares       use your account in any way that would make the unpaid balance of  It is important to continually monitor your monthly statements to 
                                                                                                            Cash Advances 16.25% 17.25% 14.25%   any reason: $20
  You grant us a consensual security interest in your accounts and have  your account exceed your credit limit. Cash advances cannot be used  identify any unauthorized transactions. If your card is lost or stolen, 
                                                                                                                                                � researching transactions occurring prior to your most recent 
  pledged funds on deposit in your account (except IRA or Deferred  to pay any amount you owe under this Agreement or under any other  or you believe that someone has accessed or may access money                Tier 4 Margin  Margin  Margin  account statement: $20 per hour, minimum $20
  Compensation) to satisfy debts that are due us. We reserve the right  credit agreement or account you have with us now or in the future. from your card without your permission, notify us immediately. If  Purchases  17.90%  17.90%  17.90%  �	 card replacement fee: $5
  to exercise this pledge of shares for liabilities owed to us against any  you notice unauthorized or fraudulent activity on your card, notify 
                                              Minimum Monthly Payments                                      Balance Transfers  17.90%  17.90%  17.90%  �	 convenience check stop payment:  $15
  account held by you individually or jointly with any other person(s) to  us immediately. Notify us at the phone number or address listed on  Cash Advances 17.90% 17.90% 17.90%
                                     You will receive a statement for each monthly billing period in which                                      �	 balance transfer stop payment fee:  $15
  the fullest extent permitted by law.                                  your statement under �How to Reach Us�. See Your Billing Rights 
                                     your account has an outstanding or credit balance. The minimum                                             �	 each request to have a credit card delivered by courier:  $20
                                                                        for further information. If your card is used fraudulently, you agree to 
                Security             monthly payment on your account is calculated at 2% of the                  Annual Percentage Rate  - Penalty Rate
                                                                        assist us in our investigation and to sign and return the Cardholder             Change in Terms
  This paragraph applies only if you have a �share secured credit  statement balance or $25, whichever is greater. If your account  If your credit card account is delinquent 60 days, we will increase 
                                                                        Dispute Form.                                                         This Agreement is the contract which applies to all transactions 
  card�, which requires a separate security agreement. To secure your  balance is greater than your limit or your account is past due, you  your Annual Percentage Rate on the entire balance to 17.90%. 
                                                                                                                                              on your Account, even though the sales, Cash Advance, credit, 
  obligation, you grant us a security interest in your deposit account at  will be billed for the greater of: the minimum monthly payment; or  Rewards Cards Terms and Conditions The Penalty APR will continue to apply unless you make 6 consecutive 
                                                                                                           minimum  payments  when  due  (beginning  with  the  billing  cycle  or other documents you sign, agree to, or receive, may contain 
  the Credit Union, under a SchoolsFirst Federal Credit Union Visa Card  the past due amount; or the Overlimit amount. If the account is not  If you are participating in a Visa Rewards Card program, we have 
  Security Agreement that you have signed. The Security Agreement  paid down to the limit or below, the account is subject to closure.  provided you with a separate written disclosure stating additional  immediately following the application of the Penalty APR) and do  different terms.  We may amend, modify, add to, or delete from