when the change has been agreed to in writing by you.  Rates are  a stop payment on a convenience check by phone or in writing. We must  agree that any such use of your account will be subject to all the terms  What will Happen After We Receive Your Letter
  based on approved credit.         receive the request in time to afford us reasonable opportunity to act  and conditions contained in this agreement. When we receive your letter, we must do two things:
                                    upon it under the Credit Union�s rules. Oral or telephone requests to    1.  Within 30 days of receiving your letter, we must tell you 
             Cancellation of Card                                      To the extent you do use a third party/mobile device to make a credit 
                                    stop payment must be con?rmed by you in writing to us within fourteen      that we received your letter. We will also tell you if we have 
  You may cancel your card at any time in writing, enclosing all cards on  transaction on your account, or load information about your account onto 
                                    (14) calendar days after your original request, and if not so con?rmed,    already corrected the error.
  your account cut in two. Cancellation of the card will end all charging  any such device, you need to be aware that we do not control the device 
                                    such request will be considered to have lapsed after the fourteen day    2.  Within 90 days of receiving your letter, we must either correct 
  privileges.  We have the right to revoke your right to use the credit card  and cannot guarantee the performance of either the device or any third 
                                    period. We can only honor a stop payment request for 12 months             the error or explain to you why we believe the bill is correct.
  at any time. We can do this with or without cause and without giving  party.
                                    from the date of request. You agree not to hold us responsible for any 
  you notice. We may list revoked credit cards in a cancellation bulletin                                 While we investigate whether or not there has been an error:
                                    claims or liabilities of payees or endorsers on convenience checks for  Additionally:
  or otherwise inform ?rms honoring the credit card that the credit card                                     �	 We cannot try to collect the amount in question, or report you 
                                    which you have requested payment stopped. You agree not to hold us  �  you agree to carefully protect the security of any devices the 
  issued to you has been revoked or cancelled. If we revoke the credit                                         as delinquent on that amount.
                                    responsible for the misrouting or delay of a convenience check due to  same as you would your cash, checks, credit cards and other 
  card or it expires, you must return it to us if we so request. Also, if                                    �	 The charge in question may remain on your statement, and 
                                    markings placed on the check by you or a prior endorser that obscure any  valuable information. We encourage you to password protect 
  a ?rm that accepts the credit card asks you to surrender an expired                                          we may continue to charge you interest on that amount.
                                    depository endorsement placed by us or our agent. We may recognize  or lock your device to help prevent an unauthorized person 
  or revoked credit card, you must do so. You may not use the credit                                         �	 While you do not have to pay the amount in question, you are 
                                    the signature of any borrower or authorized user on this account as  from using it. You agree to promptly report any loss or theft 
  card after it has expired or after it has been revoked.  Cancellation or                                     responsible for the remainder of the balance.
                                    authorized to transact any business on the account.  Convenience checks  to both us and the third party.
  revocation of your credit card will not affect your obligation to pay any                                  �	 We can apply any unpaid amount against your credit limit.
                                    cannot be used to pay any amount you owe under this Agreement or  �  you may incur third party fees related to engaging in a 
  amounts that may be due under this Agreement.
                                    under any other credit agreement or account you have with us now or in  transaction (such as mobile carrier data or messaging  After we ?nish our investigation, one of two things will happen:
              Illegal Activity      the future. Convenience checks are considered cash advances and accrue  charges). �	 If we made a mistake: You will not have to pay the amount in 
  Your MasterCard card may not be used for any illegal activity. Internet  interest according to the method described for cash advances under  �  credit transactions made through a third party/mobile device  question or any interest or other fees related to the amount.
  gambling may be illegal in the jurisdiction in which you are located,  the �CALCULATION OF FINANCE CHARGES� heading of this disclosure.  may involve the electronic transmission of information related  �	 If we do not believe there was a mistake: You will have to 
  including the United States and its territories. Your card may only  Transactions made using convenience checks do not earn Rewards points. to you or your account across wireless or computer networks.  pay the amount in question, along with applicable interest 
  be used for legal transactions. Display of a payment card logo by         Third parties, such as merchants, card association networks,  and fees. We will send you a statement of the amount you 
                                           Default/Collection/Attorney�s Fees
  an online merchant does not mean that Internet gambling or other          mobile carriers, mobile wallet operators, and software  owe and the date payment is due. We may then report you as 
                                    You will be in default and understand that all loan credit under this 
  transactions are legal in the jurisdiction in which you are located. You  application providers may use and receive information in  delinquent if you do not pay the amount we think you owe.
                                    Agreement may be terminated if (1) you do not make periodic payments 
  agree to repay, according to the terms of this Agreement, transactions    connection with a credit transaction. Third parties may also 
                                    as required by this Agreement, (2) you do not keep any promise made   If you receive our explanation but still believe your bill is wrong, you must 
  you initiate by use of your card, whether deemed legal or illegal.        receive information about your mobile device when you use it 
                                    in this Agreement or any other agreement with this Credit Union, (3)  write to us within 10 days telling us that you still refuse to pay. If you do 
                                                                            to make a credit transaction.
            Internet Transactions   any information that you give us to obtain a loan advance is false, (4)  so, we cannot report you as delinquent without also reporting that you 
                                                                          �  we may, at any time, partially or fully restrict your ability to 
  Your MasterCard card is automatically enrolled in the MasterCard  any third party attempts by legal process to take any property belonging  are questioning your bill. We must tell you the name of anyone to whom 
                                                                            make credit transactions through a third party/mobile device.                          �
  Secure Code program. To make transactions over the Internet,  to you, (5) you die, become insolvent or are a party to any bankruptcy  we reported you as delinquent, and we must let those organizations  MASTERCARD  
                                                                            You agree to notify us promptly if you remove or want to 
  merchants may request your MasterCard Secure Code password to  proceeding, or (6) as otherwise provided in this Agreement. If you  know when the matter has been settled between us.
                                                                            remove your account information from any third party/mobile 
  complete the transactions. If a password is not provided, or you do  are in default, we may refuse to make any further advances or refuse         AGREEMENT AND
                                                                            device.                       If we do not follow all of the rules above, you do not have to pay the ?rst 
  not successfully register with MasterCard Secure Code, the merchant  charge privileges to you and declare all sums owed under this Agreement  $50 of the amount in question even if your bill is correct.
  may deny the transaction. If the password is incorrect, we may  immediately due and payable. We may accept late payments or partial  YOUR BILLING RIGHTS:  DISCLOSURE  
  deny the transaction. You can select or change your password and  payments without losing any of our rights under this Agreement. You  KEEP THIS DOCUMENT FOR FUTURE USE Your Rights If You Are Dissatis?ed With Your Credit Card 
  view additional terms online at schools?rstfcu.org by clicking on the  understand that if you are in default, we may add to your unpaid balance  This notice tells you about your rights and our responsibilities  Purchases STATEMENT
  MasterCard Secure Code link under �Related Topics� on the credit card  any reasonable attorney�s fees and court costs, all of which you agree  under the Fair Credit Billing Act. If you are dissatis?ed with the goods or services that you have purchased 
  product pages. By allowing another person to use your MasterCard  to pay.                               with your credit card and you have tried in good faith to correct the 
                                                                       What To Do If You Find a Mistake on Your Statement. If you think 
  Secure Code password you are authorizing the transaction(s) on your                                     problem with the merchant, you may have the right not to pay the 
                                              Waivers and Severability there is an error on your statement, write to us at: SchoolsFirst FCU 
  account.                                                                                                remaining amount due on the purchase.
                                    We may waive or decline to enforce any of our rights under this  P.O. BOX 11547, Santa Ana, CA 92711. You may also contact us on 
          Foreign Currency Transactions Agreement without affecting any of our other rights.  Should any provision  our website at schools?rstFCU.org.  To use this right, the following must be true:
  If you effect a transaction at a merchant that settles in a currency  of this Agreement be determined to be invalid or unenforceable, that  1.  The purchase must have been made in your home state or 
                                                                       In your letter, give us the following information:
  other than U.S. dollars, MasterCard International will convert the  determination shall not affect the validity or enforceability of any other  within 100 miles of your current mailing address, and the 
                                                                          �	 Account Information: Your name and account number                        March 1, 2016
  charge into a U.S. dollar amount. The conversion rate in U.S. dollars  provision.                            purchase price must have been more than $50. (Note neither 
                                                                          �	 Dollar Amount: The dollar amount of the suspected error.
  will be either at the government-mandated rate or a wholesale                                                of these are necessary if your purchase was based on an 
                                                Governing Law             �	 Description of problem: If you think there is an error on your 
  currency market rate determined by MasterCard for the processing                                             advertisement we mailed to you, or if we own the company 
                                    This Agreement, your credit card line of credit, as well as our rights  bill, describe what you believe is wrong and why you believe 
  date on which the transaction is processed. The currency conversion                                          that sold you the goods or services.)
                                    and duties and your rights and duties regarding them, will be governed  it is a mistake.
  rate used by MasterCard on the processing date may differ from the                                         2.  You must have used your credit card for the purchase. 
                                    by and interpreted in accordance with federal law to the fullest extent 
  rate that would have been used on the purchase date or the cardholder  You must contact us:                  Purchases made with cash advances from an ATM or with a 
                                    possible and, to the extent federal law does not apply, in accordance 
  statement posting date.                                                 �	 Within 60 days after the error appeared on your statement. check that accesses your credit card account do not qualify.
                                    with California law, regardless of where you live and use your credit card.  �	 At least 3 business days before an automated payment is  3.  You must not yet have fully paid for the purchase.
           International Service Fee This Agreement is made in California. All credit will be extended from  scheduled, if you want to stop payment on the amount you 
  A fee of 2% of the transaction amount in US Dollars will be assessed  California, and all repayment must be made in California. If all of the criteria above are met and you are still dissatis?ed with 
                                                                            think is wrong.
  on cross-border and international transactions. Transactions acquired                                   the purchase, contact us in writing (or electronically) at the address 
                                             Third Party/Mobile Devices  You must notify us of any potential errors in writing (or electronically). 
  in U.S. territories, and transactions originating on U.S. military bases,                               or website listed under What To Do If You Find a Mistake on Your 
                                    We may also permit you or any authorized user to load information about  You may call us, but if you do we are not required to investigate any 
  at U.S. embassies and at U.S. consulates, are excluded from this fee.                                   Statement�. While we investigate, the same rules apply to the disputed 
                                    your account onto third party/mobile devices (such as a smartphone,  potential errors and you may have to pay the amount in question.
                                                                                                          amount as discussed above. After we ?nish our investigation, we will tell 
            Convenience Checks      tablet, or any other handheld or wearable communication device that   you our decision. At that point, if we think you owe an amount and you 
  You may access your credit line by writing checks provided by us  allows you to store or electronically present your account information)  do not pay we may report you as delinquent.
  for that purpose. The checks will be honored and paid up to your  that would enable you to make purchases or engage in credit transactions 
  credit limit as long as the account is not in default. You may request  for your account without needing to show your credit card. You and we  M-117757
  You agree to the following terms and conditions and any amendments  Personal Identi?cation Number payment will be applied ?rst to the balance with the highest interest rate,  This Agreement establishes the Annual Percentage Rate for Purchases,  Calculation of Interest Charges
  thereto.                           A Personal Identi?cation Number (PIN) may be obtained by selecting your  then successively to each lower interest rate until the excess payment  Balance Transfers and Cash Advances under this credit card program. We  Interest Charges for each monthly billing cycle will be calculated 
                                     own PIN at any SchoolsFirst FCU branch or by calling 877.315.3483. This  amount is exhausted. If you have a credit balance on your account due  have provided you with a separate written disclosure stating the Annual  by multiplying the Average Adjusted Daily Balance by the Monthly 
            Accepting This Agreement
                                 �   PIN may be used by you with your credit card to obtain a cash advance  to merchant credits, adjustments or overpayments, we will hold and  Percentage Rate that will apply to purchases and cash advances on your  Periodic Rate. We will calculate your Average Adjusted Daily Balance 
  Before you sign or use the SchoolsFirst Federal Credit Union MasterCard  
                                     on your account at any Automated Teller Machine (ATM) displaying the  apply this credit balance against future purchases and cash advances, or  account. That disclosure is made part of this Agreement by this reference.  as follows: We take the outstanding balance (all amounts you owe) at 
  credit card issued to you, please read this Agreement thoroughly, 
                                     MasterCard logo or to make purchases at any designated point of sale  refund it at your written request. An increase or decrease in the Annual  the start of the day. Then, in the sequence in which the amounts post 
  because by using the credit card you will be agreeing with us to the                                      Annual Percentage Rate  -  Variable Rate Credit Card Programs
                                     (POS) machine. Please keep your PIN con?dential and do not write it on  Percentage Rate may result in an increase or decrease in your monthly  to your account, we add the amount(s) of all debits and subtract the 
  terms and conditions stated in this Agreement. If you do not wish to be                                  The Annual Percentage Rate is subject to change monthly on the ?rst 
                                     or keep it with your credit card.  payment.                                                              amount(s) of all payments and credits which post to your account that 
  bound by this Agreement, do not use the credit card, and write to us and                                 day of the billing cycle.  Note that an increase in the Annual Percentage 
                                                                                                                                              day. After applying payments and credits, we subtract any amount 
  tell us that you wish to cancel your credit card account with us. If you  Credit Information Promise to Pay Rate may result in greater interest charges and a larger monthly 
                                                                                                                                              of late charge, interest charge, and any other charges that remain 
  have received a card or checks to access the card account, destroy them. You agree that we may re-examine and re-evaluate your creditworthiness  You agree to pay us, at the payment address stated on the front of your  payment.
                                                                                                                                              unpaid.
                                     at any time. You authorize us to obtain, from time to time, information  monthly billing statement, all sums which have been accumulated on 
               De?nitions                                                                                  The rate is determined by adding an index plus a margin.  The index is the 
                                     from others, including, but not limited to credit reporting agencies,  your account by you or others with your permission, together with any  The result is the adjusted daily balance for that day. We add together 
  In this Agreement the words �you�, �your�, and �yours� mean each and                                     highest �Prime Rate� as reported in the �Money Rates� tables of The Wall 
                                     concerning you and your credit accounts. You also authorize us to  ?nance charges, late charges and any other service charges computed on  all the adjusted daily balances for each day in the billing cycle and 
  all of the person(s) who apply for and/or use the card, the words �credit                                Street Journal on the ?rst business day of the month preceding the start 
                                     respond to requests from others and to provide information regarding the  your account as set forth in this Agreement. divide the total by the number of days in the billing cycle. The result is 
  card� mean the SchoolsFirst Federal Credit Union MasterCard credit                                       date of each current billing cycle.  The tier and margin, and subsequently 
                                     status and history of your account with us. However, we are not obligated                                the Average Adjusted Daily Balance for that billing cycle.
  card, and the words, �we�, �our�, �us�, and �Credit Union� mean the               Authorizations         the APR you receive, is determined by your creditworthiness. The 
                                     to release any such information to anyone unless we are required by law 
  SchoolsFirst Federal Credit Union.                                    Most transactions require approval of funds.  Approvals result in placing  maximum Annual Percentage Rate is 18.00%.  Interest Charges are imposed only if you do not pay in full the new 
                                     to do so. You agree that we have the right to refuse future advances 
                                                                        a hold against your credit limit.  We may limit the number or amount of  balance for Purchases shown on your Periodic Statement within 25 
      Liability of All Cardholders and Authorized Users under your line of credit or reduce your credit limit upon re-examination  Variable Rate Margins
                                                                        approvals or purchases and advances per day or deny transactions when  days of the end of the statement period. However, interest charges will 
  You understand that you are liable for the payment of all sums due under  and re-evaluation of your creditworthiness, should your creditworthiness    Inspire Rewards
                                                                        we detect unusual or suspicious activity, even if you have suf?cient credit  be assessed and will accrue on any cash advance (see Purchases/
  this Agreement. If there is more than one borrower or authorized user  change signi?cantly.
                                                                        available.  We are not liable for failing to approve any transaction and we 
  on this account, each person, individually, and all persons jointly are                                                   Tier  Margin  Margin   Cash Advances) from the date that such cash advance transaction is 
                                         Change of Name, Address, Employment, Telephone may, although we are not required to, approve transactions above your 
  obligated to repay all sums due under this Agreement. You agree that                                         Purchases  1+ 5.25%  N/A       posted to your account to the date the cash advance balance is paid 
                                     You agree to promptly report to us any change in your name, address,  available credit.  We are not liable if a merchant, ?nancial institution, or 
  all statements made in your application for your credit card were for the                                    Balance Transfers  5.25%  N/A  in full or the Statement Closing Date whichever comes ?rst, even if 
                                     employment, or telephone number.   ATM does not honor your card.          Cash Advances 10.25% N/A       payment of the entire New Balance is received by us by the Payment 
  purpose of obtaining credit and are true, correct, and complete to the 
                                                                                                                                              Due Date. In other words, there is no time period within which credit 
  best of your knowledge and belief.             Balance Transfers                Membership Requirement                    Tier 1 Margin  Margin  extended to you by a cash advance may be repaid without incurring 
                                     When the Credit Union uses the term �balance transfer� this refers to the  You must be a Member in good standing to be eligible for a credit card 
               Credit Limit                                                                                    Purchases    7.25%  8.25%      an interest charge.
                                     transfer of balances from other lenders to your SchoolsFirst FCU credit  with us.  We may suspend card privileges, including closing your account, 
  This Agreement establishes a credit card account for you with an open                                        Balance Transfers  7.25%  8.25% 
                                     card.                              if you do not maintain your Membership with us in good standing.
  end line of credit. We will establish a credit limit for you, and may increase                               Cash Advances 12.25% 13.25%                Late Charge
                                                                                                                                              If the minimum payment due is not received by the Credit Union 
  or decrease that credit limit from time to time. We have provided you  Purchases/Cash Advances Responsibility for Account
                                                                                                                             Tier 2 Margin  Margin  within 15 days after the payment due date, a late charge of $25 will 
  with a separate written disclosure stating the credit limit for purchases  You may access your line of credit by making a purchase at a merchant�s  You agree to repay us according to the terms of this Agreement for all  Purchases  9.25%  10.25%  be imposed.
  and cash advances on your account, and that disclosure is made a part  location that accepts the credit card, by requesting a Balance Transfer  purchases, advances, ?nance charges, fees and collection costs, if any,  Balance Transfers  9.25%  10.25% 
  of this Agreement by this reference. Your monthly statements will show  orally or electronically, or in writing, or by making a cash advance. We  arising from the use of this account by you or any other person you  Cash Advances 14.25% 15.25% Additional Fees and Service Charges
  the amount of credit available to you for purchases and cash advances  will not be responsible or liable to you should anyone refuse to accept or  permit to use your card and/or account (even if that person exceeded  We may charge additional service charges for the following:
  as of the statement date. We will give you written notice of any change  honor your card, or should anyone retain your card and not return it to  the amount for which you gave permission).  If you decide to close your                Tier 3 Margin  Margin  � each draft copy that you request: $10
  in your credit limit. If your credit limit is decreased for any reason, any  you. You may request cash advances under this Agreement by writing a  account please notify us orally or in writing and return all card(s) on the  Purchases  11.25%  12.25%  � additional copies of your monthly billing statement: $2 (per 
  subsequent request for a credit limit increase will be subject to credit  SchoolsFirst FCU convenience check; by making a written, telephone or  account.  You remain liable for any transactions to the account that we  Balance Transfers  11.25%  12.25%  statement)
  application and approval. You agree not to use your account in any way  electronic request to us; or by requesting a cash advance at a ?nancial  cannot prevent after you notify us.  Any person using the account and/ Cash Advances 16.25% 17.25% � any payment instrument or method including check, in-person, 
  which would make the unpaid balance of your account or cash advances  institution or an ATM that accepts the credit card. You agree to repay all  or card is jointly and severally responsible for all charges on the account. ACH or other electronic transaction returned to us for any 
                                                                                                                             Tier 4 Margin  Margin 
  on your account exceed your credit limit. You also agree to pay us the  advances for purchases and cash advances made to you or at the request  reason: $20
                                                                                Lost, Stolen or Unauthorized Use Purchases  17.90%  17.90% 
  amount of any transactions on your account in excess of your credit  of a joint borrower or authorized user under this Agreement, and you     � researching transactions occurring prior to your most recent 
                                                                        It is important to continually monitor your monthly statements to identify  Balance Transfers  17.90%  17.90% 
  limit along with your regular minimum payment at your next scheduled  understand that all purchases and cash advances will be subject to the  Cash Advances 17.90% 17.90% account statement: $20 per hour, minimum $20
                                                                        any unauthorized transactions. If your card is lost or stolen, or you believe 
  payment due date. Purchases and advances are subject to daily limits  terms of this Agreement. You agree not to request advances or make      �	 card replacement fee: $5
                                                                        that someone has accessed or may access money from your card without 
  that may restrict the full use of your Credit Limit. purchases or use your account in any way that would make the unpaid                Tier 5 Margin  Margin  �	 convenience check stop payment:  $15
                                                                        your permission, notify us immediately. If you notice unauthorized or 
                                     balance of your account exceed your credit limit. Cash advances cannot    Purchases    17.90%  17.90%      �	 balance transfer stop payment fee:  $15
              Pledges of Shares                                         fraudulent activity on your card, notify us immediately. Notify us at the 
                                     be used to pay any amount you owe under this Agreement or under any       Balance Transfers  17.90%  17.90%  �	 each request to have a credit card delivered by courier:  $20
  You grant us a consensual security interest in your accounts and have  phone number or address listed on your statement under �How to Reach 
                                     other credit agreement or account you have with us now or in the future.  Cash Advances 17.90% 17.90%
  pledged funds on deposit in your account (except IRA or Deferred      Us�. See Your Billing Rights for further information. If your card is used       Change in Terms
  Compensation) to satisfy debts that are due us. We reserve the right  Minimum Monthly Payments fraudulently, you agree to assist us in our investigation and to sign and  This Agreement is the contract which applies to all transactions on 
                                                                                                                  Annual Percentage Rate  - Penalty Rate
  to exercise this pledge of shares for liabilities owed to us against any  You will receive a statement for each monthly billing period in which your  return the Cardholder Dispute Form.  your Account, even though the sales, Cash Advance, credit, or other 
                                                                                                           If your credit card account is delinquent 60 days, we will increase your 
  account held by you individually or jointly with any other person(s) to the  account has an outstanding or credit balance. The minimum monthly  documents you sign, agree to, or receive, may contain different terms. 
                                                                               Rewards Cards Terms and Conditions Annual Percentage Rate on the entire balance to 17.90%. The Penalty 
  fullest extent permitted by law.   payment on your account is calculated at 2% of the statement balance                                     We may amend, modify, add to, or delete from this Agreement any 
                                                                        If you are participating in a MasterCard Rewards Card program, we have  APR will continue to apply unless you make 6 consecutive minimum 
                                     or $25, whichever is greater. If your account balance is greater than                                    term, condition, service, or feature at any time, including the amount 
                Security                                                provided you with a separate written disclosure stating additional Terms  payments when due (beginning with the billing cycle immediately 
                                     your limit or your account is past due, you will be billed for the greater                               or calculation of INTEREST CHARGES.  Unless we state otherwise, the 
  This paragraph applies only if you have a �share secured credit card�,  and Conditions on your Rewards Card account, and that disclosure is  following the application of the Penalty APR) and do not exceed your 
                                     of: the minimum monthly payment; or the past due amount; or the                                          change will affect any unpaid balance outstanding and any subsequent 
  which requires a separate security agreement. To secure your obligation,  made part of this Agreement by this reference.  credit limit during that time period. If these requirements are met, your 
                                     Overlimit amount. If the account is not paid down to the limit or below,                                 transactions.  A notice will be mailed to your last known address at 
  you grant us a security interest in your deposit account at the Credit                                   credit card rate will be lowered to re?ect your original tier.
                                     the account is subject to closure. The minimum monthly payment must  Annual Percentage Rate              least forty-?ve (45) days prior to the effective date of the change as 
  Union, under a SchoolsFirst Federal Credit Union MasterCard Card 
                                     be received at the payment center on or before the payment due date  SchoolsFirst FCU has a loan program, which features a range of interest  Monthly Periodic Rate required by federal or other law.  When a notice of change in terms 
  Security Agreement that you have signed. The Security Agreement 
                                     re?ected on the front of your monthly billing statement or the payment  rates for some of its consumer loans. A rate is based on a variety of  The Monthly Periodic Rate is determined by dividing the Annual  is required, it may be sent as late as the effective date of the change 
  is incorporated into and made part of this Agreement and Disclosure 
                                     may be considered past due. Payments made in excess of the minimum  factors, including the applicant�s credit rating.  Percentage Rate by twelve (12 months in a year).
  Statement by this reference.