Change in Terms        market rate determined by Visa� for the processing date on which  unenforceable, that determination shall not affect the validity or  �	 If we do not believe there was a mistake: You will have to 
  This Agreement is the contract which applies to all transactions  the transaction is processed. The currency conversion rate used by  enforceability of any other provision. pay the amount in question, along with applicable interest 
  on your Account, even though the sales, Cash Advance, credit,  Visa� on the processing date may differ from the rate that would  and fees. We will send you a statement of the amount you 
                                                                                   Governing Law
  or other documents you sign, agree to, or receive, may contain  have been used on the purchase date or the cardholder statement  owe and the date payment is due. We may then report you 
                                                                       This Agreement, your credit card line of credit, as well as our rights 
  different terms.  We may amend, modify, add to, or delete from  posting date. The Credit Union has no control over the conversion  as delinquent if you do not pay the amount we think you 
                                                                       and duties and your rights and duties regarding them, will be governed 
  this Agreement any term, condition, service, or feature at any  rate.                                        owe.
                                                                       by and interpreted in accordance with federal law to the fullest extent 
  time, including the amount or calculation of INTEREST CHARGES. 
                                             international service Fee possible and, to the extent federal law does not apply, in accordance  If you receive our explanation but still believe your bill is wrong, 
  Unless we state otherwise, the change will affect any unpaid 
                                    A fee of 2% of the transaction amount in US Dollars will be assessed  with California law, regardless of where you live and use your credit  you must write to us within 10 days telling us that you still refuse to 
  balance outstanding and any subsequent transactions.  A notice 
                                    on international transactions. Transactions acquired in U.S. territories,  card. This Agreement is made in California. All credit will be extended  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) 
                                    and transactions originating on U.S. military bases, at U.S. embassies  from California, and all repayment must be made in California. 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.                   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                YOUR BiLLiNG RiGhTs: 
                                                                                                          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 KEEp This DOCUMENT FOR FUTURE UsE
                                                                                                          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  This notice tells you about your rights and our responsibilities 
  approved credit.                  that purpose. The checks will be honored and paid up to your credit  under the Fair Credit Billing act. 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  ?rst $50 of the amount in question even if your bill is correct.
            Cancellation of Card                                       What To Do If You Find a Mistake on Your Statement. If you 
                                    payment on a convenience check by phone or in writing. We must 
  You may cancel your card at any time in writing, enclosing all cards  think there is an error on your statement, write to us at: schoolsFirst  Your Rights If You Are Dissatis?ed With Your Credit Card 
                                    receive the request in time to afford us reasonable opportunity to 
  on your account cut in two. Cancellation of the card will end all    FCU p.O. BOX 11547, santa ana, Ca 92711. You may also contact  purchases
                                    act upon it under the Credit Union�s rules. Oral or telephone requests 
  charging privileges.  We have the right to revoke your right to use  us on our website at www.schoolsFirstFCU.org.  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                                       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  In you letter, give us the following information:
  and without giving you notice. We may list revoked credit cards                                         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  �	 Account Information: Your name and account number
  in a cancellation bulletin or otherwise inform ?rms honoring the                                        pay the remaining amount due on the purchase.
                                    fourteen day period. We can only honor a stop payment request for 12  �	 Dollar Amount: The dollar amount of the suspected error.
  credit card that the credit card issued to you has been revoked 
                                    months from the date of request. You agree not to hold us responsible  �	 Description of problem: If you think there is an error on  To use this right, the following must be true:
  or cancelled. If we revoke the credit card or it expires, you must 
                                    for any claims or liabilities of payees or endorsers on convenience  your bill, describe what you believe is wrong and why you  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 
                                    checks for which you have requested payment stopped. You agree not  believe it is a mistake. 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        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   You must contact us:
                                    check due to markings placed on the check by you or a prior endorser       neither of these are necessary if your purchase was based 
  expired or after it has been revoked.  Cancellation or revocation of    �	 Within  60  days  after  the  error  appeared  on  your 
                                    that obscure any depository endorsement placed by us or our agent.         on an advertisement we mailed to you, or if we own the 
  your credit card will not affect your obligation to pay any amounts       statement.                                                                    Visa  
                                    We may recognize the signature of any borrower or authorized               company that sold you the goods or services.)
  that may be due under this Agreement.                                   �	 At least 3 business days before an automated payment is 
                                    user on this account as authorized to transact any business on the       2.  You must have used your credit card for the purchase. 
                                                                            scheduled, if you want to stop payment on the amount you                aGREEMENT aND
              illegal activity      account.  Convenience checks cannot be used to pay any amount you          Purchases made with cash advances from an ATM or with 
                                                                            think is wrong.
  Your Visa� card may not be used for any illegal activity. Internet  owe under this Agreement or under any other credit agreement or  a check that accesses your credit card account do not 
                                                                       You must notify us of any potential errors in writing (or electronically).     DisCLOsURE  
  gambling may be illegal in the jurisdiction in which you are located,  account you have with us now or in the future. Convenience checks  qualify.
                                                                       You may call us, but if you do we are not required to investigate any 
  including the United States and its territories. Your card may only  are considered cash advances and accrue interest according to the  3.  You must not yet have fully paid for the purchase.
                                                                       potential errors and you may have to pay the amount in question.               sTaTEMENT
  be used for legal transactions. Display of a payment card logo by  method described for cash advances under the �CALCULATION OF  If all of the criteria above are met and you are still dissatis?ed with 
  an online merchant does not mean that Internet gambling or other  FINANCE CHARGES� heading of this disclosure. Transactions made  What will happen after We Receive Your Letter
                                                                                                          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. When we receive your letter, we must do two things:
                                                                                                          or  website  listed  above.  While  we  investigate,  the  same  rules 
  You agree to repay, according to the terms of this Agreement,           1.  Within 30 days of receiving your letter, we must tell you 
                                           Default/Collection/attorney�s Fees                             apply to the disputed amount as discussed above. After we ?nish 
  transactions you initiate by use of your card, whether deemed             that we received your letter. We will also tell you if we have 
                                    You will be in default and understand that all loan credit under this  our investigation, we will tell you our decision. At that point, if we 
  legal or illegal.                                                         already corrected the error.
                                    Agreement may be terminated if (1) you do not make periodic           think you owe an amount and you do not pay we may report you as 
                                                                          2.  Within 90 days of receiving your letter, we must either 
            internet Transactions   payments as required by this Agreement, (2) you do not keep any       delinquent.
                                                                            correct the error or explain to you why we believe the bill 
  Your Visa� card is automatically enrolled in the Veri?ed by Visa�  promise made in this Agreement or any other agreement with this                   July 1, 2010
                                                                            is correct.
  program.  To  make  transactions  over  the  Internet,  merchants  Credit Union, (3) any information that you give us to obtain a loan 
  may  request  your  Veri?ed  by  Visa�  password  to  complete  advance is false, (4) any third party attempts by legal process to take  While we investigate whether or not there has been an error:
  the transactions. If a password is not provided, or you do not  any property belonging to you, (5) you die, become insolvent or are  �	 We cannot try to collect the amount in question, or report 
  successfully register with Veri?ed by Visa�, the merchant may  a party to any bankruptcy proceeding, or (6) as otherwise provided  you as delinquent on that amount.
  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  �	 The charge in question may remain on your statement, 
  the transaction. You can select or change your password and view  further advances or refuse charge privileges to you and declare all  and we may continue to charge you interest on that 
  additional terms online at www.SchoolsFirstfcu.org by clicking on  sums owed under this Agreement immediately due and payable. We  amount.
  the Veri?ed by Visa� link under �Related Topics� on the credit card  may accept late payments or partial payments without losing any of  �	 While you do not have to pay the amount in question, you 
  product pages. By allowing another person to use your Veri?ed  our rights under this Agreement. You understand that if you are in  are responsible for the remainder of the balance.
  by Visa password you are authorizing the transaction(s) on your  default, we may add to your unpaid balance any reasonable attorney�s  �	 We can apply any unpaid amount against your credit 
  account.                          fees and court costs, all of which you agree to pay. limit.
          Foreign Currency Transactions      Waivers and severability  After  we  ?nish  our  investigation,  one  of  two  things  will 
  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  happen:
  other than U.S. dollars, Visa� Incorporated will convert the charge  Agreement  without  affecting  any  of  our  other  rights.   Should  �	 If we made a mistake: You will not have to pay the amount 
  into a U.S. dollar amount. The conversion rate in U.S. dollars will be  any provision of this Agreement be determined to be invalid or  in question or any interest or other fees related to the 
  either at the government-mandated rate or a wholesale currency            amount.
                                                                                                                                  M-101521
  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  annual percentage Rate  - penalty Rate
  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.  If your credit card account is delinquent 60 days, we will increase 
                                                                        your monthly billing statement or the payment may be considered       your annual percentage Rate on the entire balance to 17.90%. 
           accepting This agreement          Personal Identi?cation Number                                           Rewards Card annual Fee
                                                                        past due. Payments made in excess of the minimum payment will         The  Penalty  APR  will  continue  to  apply  unless  you  make  6 
  Before you sign or use the SchoolsFirst Federal Credit Union Visa�  A Personal Identi?cation Number (PIN) may be obtained by selecting  You will be charged an annual fee in the amount of $25.00, beginning 
                                                                        be applied ?rst to the balance with the highest interest rate, then   consecutive minimum payments when due (beginning with the 
  credit card issued to you, please read this Agreement thoroughly,  your own PIN at any SchoolsFirst FCU branch or by calling (877) 315- in the twelfth month following the account open date, which will be 
                                                                        successively to each lower interest rate until the excess payment     billing cycle immediately following the application of the Penalty 
  because by using the credit card you will be agreeing with us to the  3483. This PIN may be used by you with your credit card to obtain a  your �anniversary date.�  The fee will be assessed yearly thereafter, 
                                                                        amount is exhausted. If you have a credit balance on your account due  APR) and do not exceed your credit limit during that time period. If 
  terms and conditions stated in this Agreement. If you do not wish to  cash advance on your account at any Automated Teller Machine (ATM)  in your anniversary month.
                                                                        to merchant credits, adjustments or overpayments, we will hold and    these requirements are met, your credit card rate will be lowered 
  be bound by this Agreement, do not use the credit card, and write to  displaying the Visa� logo or to make purchases at any designated 
                                                                        apply this credit balance against future purchases and cash advances,  annual percentage Rate to re?ect your original tier.
  us and tell us that you wish to cancel your credit card account with  point of sale (POS) machine. Please keep your PIN con?dential and 
                                                                        or refund it at your written request. An increase or decrease in the  SchoolsFirst FCU has a loan program, which features a range of 
  us. If you have received a card or checks to access the card account,  do not write it on or keep it with your credit card.                           Monthly periodic Rate
                                                                        Annual Percentage Rate may result in an increase or decrease in your  interest rates for some of its consumer loans. A rate is based on a 
  destroy them.                                                                                                                               The Monthly Periodic Rate is determined by dividing the Annual 
                                                Credit information      monthly payment.                   variety of factors, including the applicant�s credit rating. 
                                                                                                                                              Percentage Rate by twelve (12 months in a year).
               De?nitions            You  agree  that  we  may  re-examine  and  re-evaluate  your 
                                                                                    promise to pay         This Agreement establishes the annual percentage Rate for both 
  In this Agreement the words �you�, �your�, and �yours� mean each  creditworthiness at any time. You authorize us to obtain, from time              Calculation of interest Charges
                                                                        You agree to pay us, at the payment address stated on the front of  Purchases and Cash Advances under this credit card program. We have 
  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  Interest Charges for each monthly billing cycle will be calculated 
                                                                        your monthly billing statement, all sums which have been accumulated  provided you with a separate written disclosure stating the Annual 
  �credit card� mean the SchoolsFirst Federal Credit Union Visa� credit  reporting agencies, concerning you and your credit accounts. You     by multiplying the Average Adjusted Daily Balance by the Monthly 
                                                                        on your account by you or others with your permission, together with  Percentage Rate that will apply to purchases and cash advances on 
  card, and the words, �we�, �our�, �us�, and �Credit Union� mean the  also authorize us to respond to requests from others and to provide    Periodic  Rate.  We  will  calculate  your  Average  Adjusted  Daily 
                                                                        any ?nance charges, late charges and any other service charges  your account. That disclosure is made part of this Agreement by this 
  SchoolsFirst Federal Credit Union. information regarding the status and history of your account with                                        Balance as follows: We take the outstanding balance (all amounts 
                                                                        computed on your account as set forth in this Agreement. reference. 
                                     us. However, we are not obligated to release any such information                                        you owe) at the start of the day. Then, in the sequence in which 
      Liability of all Cardholders and authorized Users
                                     to anyone unless we are required by law to do so. You agree that we  authorizations See  annual  percentage  Rate  -  Variable  Rate  Credit  Card  the amounts post to your account, we add the amount(s) of all 
  You understand that you are liable for the payment of all sums due 
                                     have the right to refuse future advances under your line of credit or  Most transactions require approval of funds.  Approvals result in  programs below for additional information on variable rate cards. debits and subtract the amount(s) of all payments and credits 
  under this Agreement. If there is more than one borrower or authorized 
                                     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                                 See annual percentage Rate - penalty Rate below for additional  which post to your account that day. After applying payments and 
                                     creditworthiness, should your creditworthiness change signi?cantly. or amount of approvals or purchases and advances per day or deny  credits, we subtract any amount of late charge, interest charge, 
  are obligated to repay all sums due under this Agreement. You agree                                      information.
                                                                        transactions when we detect unusual or suspicious activity, even if   and any other charges that remain unpaid.
  that all statements made in your application for your credit card were  Change of Name, address, Employment, Telephone
                                                                        you have suf?cient credit available.  We are not liable for failing to  annual percentage Rate  -  Variable Rate Credit Card 
  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,  programs The result is the adjusted daily balance for that day. We add 
  to the best of your knowledge and belief. employment, or telephone number.                               The annual percentage Rate is subject to change monthly on the  together all the adjusted daily balances for each day in the billing 
                                                                        approve transactions above your available credit.  We are not liable if 
                                                                                                                                              cycle and divide the total by the number of days in the billing 
               Credit Limit                     Balance Transfers       a merchant, ?nancial institution, or ATM does not honor your card. ?rst day of the billing cycle.  Note that an increase in the Annual 
  This Agreement establishes a credit card account for you with an  When the Credit Union uses the term �balance transfer� this refers  Percentage Rate may result in greater interest charges and a larger  cycle. The result is the Average Adjusted Daily Balance for that 
                                                                                 Membership Requirement                                       billing cycle.
  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  monthly payment.
                                                                        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.                       The rate is determined by adding an index plus a margin.  The index  Interest Charges are imposed only if you do not pay in full the new 
                                                                        card with us.  We may suspend card privileges, including closing your 
  have provided you with a separate written disclosure stating the 
                                              purchases/Cash advances   account, if you do not maintain your Membership with us in good  is the highest �Prime Rate� as reported in the �Money Rates� tables  balance for Purchases shown on your Periodic Statement within 
  credit limit for purchases and cash advances on your account, and                                        of The Wall Street Journal on the ?rst business day of the month  25 days of the end of the statement period. However, interest 
                                     You may access your line of credit by making a purchase at a  standing.
  that disclosure is made a part of this Agreement by this reference. 
                                     merchant�s location that accepts the credit card, by requesting a     preceding the start date of each current billing cycle.  The tier and  charges will be assessed and will accrue on any cash advance 
  Your monthly statements will show the amount of credit available to            Responsibility for account margin, and subsequently the APR you receive, is determined by  (see purchases/Cash advances) from the date that such cash 
                                     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  your creditworthiness. The maximum annual percentage Rate is  advance transaction is posted to your account to the date the 
                                     a cash advance. We will not be responsible or liable to you should 
  will give you written notice of any change in your credit limit. If your  all purchases, advances, ?nance charges, fees and collection costs, if  cash advance balance is paid in full or the Statement Closing Date 
                                     anyone refuse to accept or honor your card, or should anyone retain   18.00%. 
  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  whichever comes ?rst, even if payment of the entire New Balance 
                                     your card and not return it to you. You may request cash advances 
  credit limit increase will be subject to credit application and approval.  you permit to use your card and/or account (even if that person  Variable Rate Margins is received by us by the Payment Due Date. In other words, there 
                                     under this Agreement by writing a SchoolsFirst FCU convenience 
  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    Gold  Rewards  Platinum is no time period within which credit extended to you by a cash 
                                     check; by making a written, telephone or electronic request to us; or 
  unpaid balance of your account or cash advances on your account       to close your account please notify us orally or in writing and return  advance may be repaid without incurring an interest charge.
                                     by requesting a cash advance at a ?nancial institution or an ATM that               Tier 1 Margin  Margin  Margin 
  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 
                                     accepts the credit card. You agree to repay all advances for purchases  Purchases  7.25%  8.25%  5.25%               Late Charge
  transactions on your account in excess of your credit limit along with  the account that we cannot prevent after you notify us.  Any person 
                                     and cash advances made to you or at the request of a joint borrower    Balance Transfers  7.25%  8.25%  5.25%  If the minimum payment due is not received by the Credit Union 
  your regular minimum payment at your next scheduled payment due       using the account and/or card is jointly and severally responsible for 
                                     or authorized user under this Agreement, and you understand that       Cash Advances 12.25% 13.25% 10.25% within 15 days after the payment due date, a late charge of $25 
  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                                     will be imposed.
  restrict the full use of your Credit Limit.                                                                             Tier 2 Margin  Margin  Margin 
                                     Agreement. You agree not to request advances or make purchases or  Lost, stolen or Unauthorized Use
                                                                                                            Purchases   9.25%  10.25%  7.25%        additional Fees and service Charges
             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 
                                                                                                            Balance Transfers  9.25%  10.25%  7.25%  We may charge additional service charges for the following:
  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, 
                                                                                                            Cash Advances 14.25% 15.25% 12.25%  � each draft copy that you request: $10
  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 
                                                                                                                                                � additional copies of your monthly billing statement: $2 (per 
  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                Tier 3 Margin  Margin  Margin  statement)
  to exercise this pledge of shares for liabilities owed to us against any  you notice unauthorized or fraudulent activity on your card, notify  Purchases  11.25%  12.25%  9.25% 
                                              Minimum Monthly payments                                                                          � any  payment  instrument  or  method  including  check,  in-
  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  Balance Transfers  11.25%  12.25%  9.25% 
                                     You will receive a statement for each monthly billing period in which                                       person, ACH or other electronic transaction returned to us for 
  the fullest extent permitted by law.                                  your statement under �How to Reach Us�. See Your Billing Rights  Cash Advances 16.25% 17.25% 14.25%
                                     your account has an outstanding or credit balance. The minimum                                              any reason: $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 
                                                                        assist us in our investigation and to sign and return the Cardholder                Tier 4 Margin  Margin  Margin  � researching transactions occurring prior to your most recent 
  This paragraph applies only if you have a �share secured credit  statement balance or $25, whichever is greater. If your account  Purchases  17.90%  17.90%  17.90%  account statement: $20 per hour, minimum $20
                                                                        Dispute Form. 
  card�, which requires a separate security agreement. To secure your  balance is greater than your limit or your account is past due, you  Balance Transfers  17.90%  17.90%  17.90%  �	 card replacement fee: $5
  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 Cash Advances 17.90% 17.90% 17.90% �	 convenience check stop payment:  $15
  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  �	 balance transfer stop payment fee:  $15
  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  �	 each request to have a credit card delivered by courier:  $20
   SchoolsFirst FCU - Credit Card Disclosures
                          SchoolsFirst FCU Visa Disclosure
    Interest Rates and Interest Charges
   Annual Percentage Rate (APR) for 
                               8.50%* - 17.90%* when you open your account, based on your 
   Purchases 
                               creditworthiness. After that, your APR will vary with the market based on 
                               the Prime Rate. 
   Annual Percentage Rate (APR) for 
                               13.90%* 
   Secured Card Purchases, Balance 
   Transfers and Cash Advances
   APR for Balance Transfers   8.50%* - 17.90%* 
                               This APR will vary with the market based on the Prime Rate. 
   APR for Cash Advances       13.50%* - 17.90%*  
                               This APR will vary with the market based on the Prime Rate. 
   Penalty APR and When it Applies 17.90%*  
                               This APR may be applied to your account if you: 
                                  1) Make your payment 60 days late or: 
                                  2) A returned payment causes your account to become 60 days late. 
                               How Long will the penalty APR Apply?: If your APR is increased for this 
                               reason, the Penalty APR will continue to apply unless you make 6 
                               consecutive minimum payments when due (beginning with the billing cycle 
                               immediately following the application of the Penalty APR) and do not 
                               exceed your credit limit during that time period. 
   Paying Interest             Your due date is at least 25 days after the close of each billing cycle. We 
                               will not charge you interest on purchases if you pay your entire balance by 
                               the due date each month and your previous balance is zero or a credit 
                               balance. We will begin charging interest on cash advances, balance 
                               transfers and convenience checks on the date they are posted to your 
                               account. 
   Minimum Interest Charge     None
   For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit 
   Federal Reserve Board       card, visit the website of the Federal Reserve Board at http://www.
                               federalreserve.gov/creditcard. 
   
    Fees
   Annual Fee                    
   Visa Gold & Visa Platinum:  $0 
   Visa Rewards:               $25 (waived for the 1st year) 
   http://www.schoolsfirstfcu.org/creditcards/ccDisclosures.asp (1 of 2) [7/14/2010 8:39:20 AM]
   SchoolsFirst FCU - Credit Card Disclosures
   Transaction Fees              
                               $0.00
          ?     Balance Transfer 
                               $0.00
          ?     Cash Advance 
    
          ?     Foreign Transactions  2% of the transaction in U.S. Dollars 
   Penalty Fees                  
          ?     Late Payment   $25 imposed 15 days after the due date 
                               $20 
          ?     Returned Payment 
   Other Fees                    
                               $20
          ?     Express Card 
                               $5
          ?     Card Replacement 
                               $15 for Convenience checks or Balance Transfer orders 
          ?     Stop Payment 
   
  How We Will Calculate Your Balance: We use a method called "average adjusted daily balance (including new 
  purchases)." 
   
  Loss of Promotional/Introductory APR: We may end your promotional/introductory APR (if any) if your payment is 
  60 days late. 
   
  Billing Rights: Information on your rights to dispute transactions is provided in your account agreement 
   
  SchoolsFirst FCU has a loan program, which features a range of interest rates for some consumer loans.  A rate is 
  based on a variety of factors, including the applicant's credit rating. 
   
  * Rates are current as of 7/14/2010 and are subject to change. 
   http://www.schoolsfirstfcu.org/creditcards/ccDisclosures.asp (2 of 2) [7/14/2010 8:39:20 AM]