including the amount or calculation of INTEREST CHARGES.  Unless  International Service Fee (excludes Rewards Mastercard  with California law, regardless of where you live and use your credit  You must notify us of any potential errors in writing (or electronically). 
  we state otherwise, the change will affect any unpaid balance  credit card) card. This Agreement is made in California. All credit will be extended  You may call us, but if you do we are not required to investigate any 
  outstanding and any subsequent transactions.  A notice will be       from California, and all repayment must be made in California. potential errors and you may have to pay the amount in question.
                                    A fee of 2% of the transaction amount in US Dollars will be assessed 
  mailed to your last known address at least forty-?ve (45) days prior 
                                    on cross-border and international transactions. Transactions acquired  Third party/mobile devices  What will Happen After We Receive Your Letter
  to the effective date of the change as required by federal or other 
                                    in U.S. territories, and transactions originating on U.S. military bases,  When we receive your letter, we must do two things:
  law.  When a notice of change in terms is required, it may be sent   We may also permit you or any authorized user to load information 
                                    at U.S. embassies and at U.S. consulates, are excluded from this fee.  1. Within 30 days of receiving your letter, we must tell you that 
  as late as the effective date of the change when the change has      about  your  account  onto  third  party/mobile  devices  (such  as  a 
                                    The 2% transaction fee is not applicable to the Rewards Mastercard       we received your letter. We will also tell you if we have already 
  been agreed to in writing by you.  Rates are based on approved       smartphone, tablet, or any other handheld or wearable communication 
                                    credit card.                                                             corrected the error.
  credit.                                                              device that allows you to store or electronically present your account 
                                                                                                           2. Within 90 days of receiving your letter, we must either correct 
                                               Convenience Checks      information) that would enable you to make purchases or engage in 
            Cancellation of Card                                                                             the error or explain to you why we believe the bill is correct.
                                    You may access your credit line by writing checks provided by us for  credit transactions for your account without needing to show your 
  You may cancel your card at any time in writing, enclosing all cards 
                                    that purpose. The checks will be honored and paid up to your credit  credit card. You and we agree that any such use of your account will  While we investigate whether or not there has been an error:
  on your account cut in two. Cancellation of the card will end all 
                                    limit as long as the account is not in default. You may request a stop  be subject to all the terms and conditions contained in this agreement. �	 We cannot try to collect the amount in question, or report you as 
  charging privileges.  We have the right to revoke your right to use 
                                    payment on a convenience check by phone or in writing. We must           delinquent on that amount.
  the credit card at any time. We can do this with or without cause    To the extent you do use a third party/mobile device to make a credit 
                                    receive the request in time to afford us reasonable opportunity to act  �	 The charge in question may remain on your statement, and we 
  and without giving you notice. We may list revoked credit cards      transaction on your account, or load information about your account 
                                    upon it under the Credit Union�s rules. Oral or telephone requests to    may continue to charge you interest on that amount.
  in a cancellation bulletin or otherwise inform ?rms honoring the     onto any such device, you need to be aware that we do not control 
                                    stop payment must be con?rmed by you in writing to us within 14        �	 While you do not have to pay the amount in question, you are 
  credit card that the credit card issued to you has been revoked or   the device and cannot guarantee the performance of either the device 
                                    calendar days after your original request, and if not so con?rmed,       responsible for the remainder of the balance.
  cancelled. If we revoke the credit card or it expires, you must return  or any third party.
                                    such request will be considered to have lapsed after the 14 day        �	 We can apply any unpaid amount against your credit limit.
  it to us if we so request. Also, if a ?rm that accepts the credit card 
                                    period. We can only honor a stop payment request for 12 months  Additionally:
  asks you to surrender an expired or revoked credit card, you must                                       After we ?nish our investigation, one of two things will happen:
                                    from the date of request. You agree not to hold us responsible for any  �	 you agree to carefully protect the security of any devices the 
  do so. You may not use the credit card after it has expired or after                                     �	 If we made a mistake: You will not have to pay the amount in 
                                    claims or liabilities of payees or endorsers on convenience checks for  same as you would your cash, checks, credit cards and other 
  it has been revoked.  Cancellation or revocation of your credit card                                       question or any interest or other fees related to the amount.
                                    which you have requested payment stopped. You agree not to hold  valuable information. We encourage you to password protect or 
  will not affect your obligation to pay any amounts that may be due                                       �	 If we do not believe there was a mistake: You will have to pay 
                                    us responsible for the misrouting or delay of a convenience check  lock your device to help prevent an unauthorized person from 
  under this Agreement.                                                                                      the amount in question, along with applicable interest and fees. 
                                    due to markings placed on the check by you or a prior endorser that  using it. You agree to promptly report any loss or theft to both 
                                                                                                             We will send you a statement of the amount you owe and the 
              Illegal Activity      obscure any depository endorsement placed by us or our agent. We  us and the third party.
                                                                                                             date payment is due. We may then report you as delinquent if 
  Your Mastercard card may not be used for any illegal activity.  may recognize the signature of any borrower or authorized user on  �	 you may incur third party fees related to engaging in a transaction 
                                                                                                             you do not pay the amount we think you owe.
  Internet gambling may be illegal in the jurisdiction in which you  this account as authorized to transact any business on the account.  (such as mobile carrier data or messaging charges).
  are located, including the United States and its territories. Your  Convenience checks cannot be used to pay any amount you owe under  �	 credit transactions made through a third party/mobile device  If you receive our explanation but still believe your bill is wrong, you 
  card may only be used for legal transactions. Display of a payment  this Agreement or under any other credit agreement or account you  may involve the electronic transmission of information related to  must write to us within 10 days telling us that you still refuse to pay. If 
                                                                                                                                                                   �
  card logo by an online merchant does not mean that Internet  have with us now or in the future. Convenience checks are considered  you or your account across wireless or computer networks. Third  you do so, we cannot report you as delinquent without also reporting  MASTERCARD  
  gambling or other transactions are legal in the jurisdiction in which  cash advances and accrue interest according to the method described  parties, such as merchants, card association networks, mobile  that you are questioning your bill. We must tell you the name of 
  you are located. You agree to repay, according to the terms of this  for cash advances under the �CALCULATION OF FINANCE CHARGES�  carriers, mobile wallet operators, and software application  anyone to whom we reported you as delinquent, and we must let those  AGREEMENT AND
  Agreement, transactions you initiate by use of your card, whether  heading  of  this  disclosure.  Transactions  made  using  convenience  providers may use and receive information in connection with  organizations know when the matter has been settled between us.
  deemed legal or illegal.          checks do not earn Rewards points.    a credit transaction. Third parties may also receive information            DISCLOSURE  
                                                                                                          If we do not follow all of the rules above, you do not have to pay the 
                                                                          about your mobile device when you use it to make a credit 
            Internet Transactions          Default/Collection/Attorney�s Fees                             ?rst $50 of the amount in question even if your bill is correct.
                                                                          transaction.                                                                STATEMENT
  Your Mastercard is automatically enrolled in the Mastercard Secure  You will be in default and understand that all loan credit under this 
                                                                        �	 we may, at any time, partially or fully restrict your ability to  Your Rights If You Are Dissatis?ed With Your Credit Card 
  Code program. To make transactions over the Internet, merchants  Agreement  may  be  terminated  if  (1)  you  do  not  make  periodic 
                                                                          make credit transactions through a third party/mobile device.  Purchases
  may request your Mastercard Secure Code password to complete  payments as required by this Agreement, (2) you do not keep any 
                                                                          You agree to notify us promptly if you remove or want to remove  If you are dissatis?ed with the goods or services that you have 
  the transactions. If a password is not provided, or you do not  promise made in this Agreement or any other agreement with this 
                                                                          your account information from any third party/mobile device. purchased with your credit card and you have tried in good faith to 
  successfully register with Mastercard Secure Code, the merchant  Credit Union, (3) any information that you give us to obtain a loan  correct the problem with the merchant, you may have the right not to 
  may deny the transaction. If the password is incorrect, we may  advance is false, (4) any third party attempts by legal process to take  YOUR BILLING RIGHTS: 
                                                                                                          pay the remaining amount due on the purchase.
  deny the transaction. You can select or change your password  any property belonging to you, (5) you die, become insolvent or are  KEEP THIS DOCUMENT FOR FUTURE USE
  and view additional terms online at schools?rstfcu.org by clicking  a party to any bankruptcy proceeding, or (6) as otherwise provided  This notice tells you about your rights and our responsibilities  To use this right, the following must be true:
                                                                                                                                                       July 1, 2017
  on the Mastercard Secure Code link under �Related Topics� on  in this Agreement. If you are in default, we may refuse to make any  under the Fair Credit Billing Act. 1. The purchase must have been made in your home state or within 
  the credit card product pages. By allowing another person to use  further advances or refuse charge privileges to you and declare all  100 miles of your current mailing address, and the purchase 
                                                                       What To Do If You Find a Mistake on Your Statement. If you 
  your Mastercard Secure Code password you are authorizing the  sums owed under this Agreement immediately due and payable. We  price must have been more than $50. (Note neither of these are 
                                                                       think there is an error on your statement, write to us at: SchoolsFirst 
  transaction(s) on your account.   may accept late payments or partial payments without losing any of       necessary if your purchase was based on an advertisement we 
                                                                       FCU P.O. BOX 11547, Santa Ana, CA 92711. You may also contact 
                                    our rights under this Agreement. You understand that if you are in       mailed to you, or if we own the company that sold you the goods 
          Foreign Currency Transactions                                us on our website at schools?rstFCU.org. 
                                    default, we may add to your unpaid balance any reasonable attorney�s     or services.)
  If you effect a transaction at a merchant that settles in a currency  fees and court costs, all of which you agree to pay. In your letter, give us the following information: 2. You must have used your credit card for the purchase. Purchases 
  other than U.S. dollars, Mastercard International will convert        �	 Account Information: Your name and account number made with cash advances from an ATM or with a check that 
                                              Waivers and Severability
  the charge into a U.S. dollar amount. The conversion rate in          �	 Dollar Amount: The dollar amount of the suspected error. accesses your credit card account do not qualify.
                                    We may waive or decline to enforce any of our rights under this 
  U.S. dollars will be either at the government-mandated rate or        �	 Description of problem: If you think there is an error on your bill,  3. You must not yet have fully paid for the purchase.
                                    Agreement without affecting any of our other rights.  Should 
  a wholesale currency market rate determined by Mastercard for           describe what you believe is wrong and why you believe it is a 
                                    any  provision  of  this  Agreement  be  determined  to  be  invalid  or  If all of the criteria above are met and you are still dissatis?ed with 
  the processing date on which the transaction is processed. The          mistake.
                                    unenforceable,  that  determination  shall  not  affect  the  validity  or  the purchase, contact us in writing (or electronically) at the address 
  currency conversion rate used by Mastercard on the processing 
                                    enforceability of any other provision. You must contact us:           or website listed under What To Do If You Find a Mistake on 
  date may differ from the rate that would have been used on the        �	 Within 60 days after the error appeared on your statement. Your Statement�. While we investigate, the same rules apply to the 
  purchase date or the cardholder statement posting date.  Governing Law �	 At  least  3  business  days  before  an  automated  payment  is  disputed amount as discussed above. After we ?nish our investigation, 
                                    This Agreement, your credit card line of credit, as well as our rights  scheduled, if you want to stop payment on the amount you think  we will tell you our decision. At that point, if we think you owe an 
                                    and duties and your rights and duties regarding them, will be governed  is wrong. amount and you do not pay we may report you as delinquent.
                                    by and interpreted in accordance with federal law to the fullest extent 
                                    possible and, to the extent federal law does not apply, in accordance                         M-121697
  You agree to the following terms and conditions and any amendments  Agreement is incorporated into and made part of this Agreement and  minimum payment will be applied ?rst to the balance with the highest  This Agreement establishes the Annual Percentage Rate for  Penalty APR will continue to apply unless you make 6 consecutive 
  thereto.                           Disclosure Statement by this reference. interest rate, then successively to each lower interest rate until the  Purchases, Balance Transfers and Cash Advances under this credit card  minimum payments when due (beginning with the billing cycle 
                                                                        excess payment amount is exhausted. If you have a credit balance on  program. We have provided you with a separate written disclosure  immediately following the application of the Penalty APR) and 
           Accepting This Agreement          Personal Identi?cation Number
                                                                        your account due to merchant credits, adjustments or overpayments,  stating the Annual Percentage Rate that will apply to purchases and  do not exceed your credit limit during that time period. If these 
  Before  you  sign  or  use  the  SchoolsFirst  Federal  Credit  Union  A  Personal  Identi?cation  Number  (PIN)  may  be  obtained  by 
       �                                                                we will hold and apply this credit balance against future purchases  cash advances on your account. That disclosure is made part of this  requirements are met, your credit card rate will be lowered to 
  Mastercard  credit card issued to you, please read this Agreement  selecting your own PIN at any SchoolsFirst FCU branch or by calling 
                                                                        and cash advances, or refund it at your written request. An increase  Agreement by this reference.  re?ect your original tier.
  thoroughly, because by using the credit card you will be agreeing with  877.315.3483. This PIN may be used by you with your credit card 
                                                                        or decrease in the Annual Percentage Rate may result in an increase 
  us to the terms and conditions stated in this Agreement. If you do not  to obtain a cash advance on your account at any Automated Teller  Annual Percentage Rate  - Variable Rate Credit Card Programs Monthly Periodic Rate
                                                                        or decrease in your monthly payment.
  wish to be bound by this Agreement, do not use the credit card, and  Machine (ATM) displaying the Mastercard logo or to make purchases  The Annual Percentage Rate is subject to change monthly on the  The Monthly Periodic Rate is determined by dividing the Annual 
  write to us and tell us that you wish to cancel your credit card account  at any designated point of sale (POS) machine. Please keep your PIN  Promise to Pay ?rst day of the billing cycle.  Note that an increase in the Annual  Percentage Rate by twelve (12 months in a year).
  with us. If you have received a card or checks to access the card  con?dential and do not write it on or keep it with your credit card. You agree to pay us, at the payment address stated on the front of your  Percentage Rate may result in greater interest charges and a larger 
                                                                                                                                                      Calculation of Interest Charges
  account, destroy them.                                                monthly billing statement, all sums which have been accumulated on  monthly payment.
                                                Credit Information                                                                            Interest Charges for each monthly billing cycle will be calculated 
                                                                        your account by you or others with your permission, together with any 
               De?nitions            You  agree  that  we  may  re-examine  and  re-evaluate  your         We reserve the right to waive an increase in your Annual  by multiplying the Average Adjusted Daily Balance by the Monthly 
                                                                        ?nance charges, late charges and any other service charges computed 
  In this Agreement the words �you�, �your�, and �yours� mean each  creditworthiness at any time. You authorize us to obtain, from time  Percentage Rate when such an increase can be made, but  Periodic  Rate.  We  will  calculate  your  Average  Adjusted  Daily 
                                                                        on your account as set forth in this Agreement.
  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  such waiver shall not be construed as a waiver of our right  Balance as follows: We take the outstanding balance (all amounts 
  �credit card� mean the SchoolsFirst Federal Credit Union Mastercard  reporting agencies, concerning you and your credit accounts. You  Authorizations to increase the Annual Percentage Rate at a future date when  you owe) at the start of the day. Then, in the sequence in which the 
  credit card, and the words, �we�, �our�, �us�, and �Credit Union� mean  also authorize us to respond to requests from others and to provide  Most transactions require approval of funds.  Approvals result in  entitled to do so. amounts post to your account, we add the amount(s) of all debits 
  the SchoolsFirst Federal Credit Union. information regarding the status and history of your account with  placing a hold against your credit limit.  We may limit the number  and subtract the amount(s) of all payments and credits which post 
                                                                                                           The rate is determined by adding an index plus a margin.  The index 
                                     us. However, we are not obligated to release any such information  or amount of approvals or purchases and advances per day or deny  to your account that day. After applying payments and credits, we 
      Liability of All Cardholders and Authorized Users                                                    is the highest �Prime Rate� as reported in the �Money Rates� tables 
                                     to anyone unless we are required by law to do so. You agree that we  transactions when we detect unusual or suspicious activity, even if  subtract any amount of late charge, interest charge, and any other 
  You understand that you are liable for the payment of all sums due                                       of The Wall Street Journal on the ?rst business day of the month 
                                     have the right to refuse future advances under your line of credit or  you have suf?cient credit available.  We are not liable for failing to  charges that remain unpaid.
  under this Agreement. If there is more than one borrower or authorized                                   preceding the start date of each current billing cycle.  The tier and 
                                     reduce your credit limit upon re-examination and re-evaluation of your  approve any transaction and we may, although we are not required 
  user on this account, each person, individually, and all persons jointly                                 margin, and subsequently the APR you receive, is determined by  The result is the adjusted daily balance for that day. We add 
                                     creditworthiness, should your creditworthiness change signi?cantly. to, approve transactions above your available credit.  We are not liable 
  are obligated to repay all sums due under this Agreement. You agree                                      your creditworthiness. The maximum Annual Percentage Rate is  together all the adjusted daily balances for each day in the billing 
                                                                        if a merchant, ?nancial institution, or ATM does not honor your card.
  that all statements made in your application for your credit card were  Change of Name, Address, Employment, Telephone 18.00%.              cycle and divide the total by the number of days in the billing cycle. 
  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,  Membership Requirement The result is the Average Adjusted Daily Balance for that billing 
                                                                                                                      Variable Rate Margins
  to the best of your knowledge and belief. employment, or telephone number. You must be a Member in good standing to be eligible for a credit  cycle.
                                                                                                                            Inspire Rewards
                                                                        card with us.  We may suspend card privileges, including closing your 
               Credit Limit                      Balance Transfers                                                                            Interest Charges are imposed only if you do not pay in full the new 
                                                                        account, if you do not maintain your Membership with us in good 
  This Agreement establishes a credit card account for you with an  When the Credit Union uses the term �balance transfer� this refers to  Tier  Margin  Margin   balance for Purchases shown on your Periodic Statement within 
                                                                        standing.
  open end line of credit. We will establish a credit limit for you, and  the transfer of balances from other lenders to your SchoolsFirst FCU  Purchases   1+ 5.25%  N/A 25 days of the end of the statement period. However, interest 
  may increase or decrease that credit limit from time to time. We have  credit card. Responsibility for Account Balance Transfers  5.25%  N/A charges will be assessed and will accrue on any cash advance 
  provided you with a separate written disclosure stating the credit    You agree to repay us according to the terms of this Agreement for all 
                                              Purchases/Cash Advances                                          Cash Advances 10.25% N/A       (see Purchases/Cash Advances) from the date that such cash 
  limit for purchases and cash advances on your account, and that       purchases, advances, ?nance charges, fees and collection costs, if any,  advance transaction is posted to your account to the date the 
                                     You may access your line of credit by making a purchase at a 
  disclosure is made a part of this Agreement by this reference. Your   arising from the use of this account by you or any other person you 
                                     merchant�s location that accepts the credit card, by requesting a                  Tier 1 Margin  Margin  cash advance balance is paid in full or the Statement Closing Date 
  monthly statements will show the amount of credit available to you    permit to use your card and/or account (even if that person exceeded  Purchases   7.25%  8.25%  whichever comes ?rst, even if payment of the entire New Balance 
                                     Balance Transfer orally or electronically, or in writing, or by making 
  for purchases and cash advances as of the statement date. We will     the amount for which you gave permission).  If you decide to close    is received by us by the Payment Due Date. In other words, there 
                                     a cash advance. We will not be responsible or liable to you should        Balance Transfers  7.25%  8.25% 
  give you written notice of any change in your credit limit. If your   your account please notify us orally or in writing and return all card(s)  is no time period within which credit extended to you by a cash 
                                     anyone refuse to accept or honor your card, or should anyone retain       Cash Advances 12.25% 13.25%
  credit limit is decreased for any reason, any subsequent request for a  on the account.  You remain liable for any transactions to the account  advance may be repaid without incurring an interest charge.
                                     your card and not return it to you. You may request cash advances 
  credit limit increase will be subject to credit application and approval.  that we cannot prevent after you notify us.  Any person using the 
                                     under this Agreement by writing a SchoolsFirst FCU convenience                     Tier 2 Margin  Margin             Late Charge
  You agree not to use your account in any way which would make the     account and/or card is jointly and severally responsible for all charges 
                                     check; by making a written, telephone or electronic request to us; or     Purchases    9.25%  10.25%     If the minimum payment due is not received by the Credit Union 
  unpaid balance of your account or cash advances on your account       on the account.
                                     by requesting a cash advance at a ?nancial institution or an ATM that 
  exceed your credit limit. You also agree to pay us the amount of any                                         Balance Transfers  9.25%  10.25%  within 15 days after the payment due date, a late charge of $25 
                                     accepts the credit card. You agree to repay all advances for purchases  Lost, Stolen or Unauthorized Use will be imposed.
  transactions on your account in excess of your credit limit along with                                       Cash Advances 14.25% 15.25%
                                     and cash advances made to you or at the request of a joint borrower  It is important to continually monitor your monthly statements to 
  your regular minimum payment at your next scheduled payment due                                                                                   Additional Fees and Service Charges
                                     or authorized user under this Agreement, and you understand that  identify any unauthorized transactions. If your card is lost or stolen,  Tier 3 Margin  Margin 
  date. Purchases and advances are subject to daily limits that may                                                                           We may charge additional service charges for the following:
                                     all purchases and cash advances will be subject to the terms of this  or you believe that someone has accessed or may access money 
  restrict the full use of your Credit Limit.                                                                  Purchases    11.25%  12.25%      �  each draft copy that you request: $10
                                     Agreement. You agree not to request advances or make purchases or  from your card without your permission, notify us immediately. If 
                                                                                                               Balance Transfers  11.25%  12.25%  �  additional copies of your monthly billing statement: $2 (per 
              Pledges of Shares      use your account in any way that would make the unpaid balance of  you notice unauthorized or fraudulent activity on your card, notify 
   (applicable to Share-Secured Mastercard credit card only) your account exceed your credit limit. Cash advances cannot be used  us immediately. Notify us at the phone number or address listed on  Cash Advances 16.25% 17.25% statement)
                                                                                                                                                � any payment instrument or method including check, in-
  You grant us a consensual security interest in your account and  to pay any amount you owe under this Agreement or under any other  your statement under �How to Reach Us�. See Your Billing Rights 
                                                                                                                        Tier 4 Margin  Margin    person, ACH or other electronic transaction returned to us for 
  have pledged funds on deposit in your designated Share-Secured  credit agreement or account you have with us now or in the future. for further information. If your card is used fraudulently, you agree to 
                                                                                                               Purchases    17.90%  17.90%       any reason: $20
  Mastercard credit card account to satisfy debts that are due us. We   assist us in our investigation and to sign and return the Cardholder 
                                              Minimum Monthly Payments                                                                          �  researching transactions occurring prior to your most recent 
  reserve the right to exercise this pledge of share for liabilities owed to  Dispute Form.                    Balance Transfers  17.90%  17.90% 
                                     You will receive a statement for each monthly billing period in which your                                  account statement: $20 per hour, minimum $20
  us against the Share-Secured Mastercard credit card account held by                                          Cash Advances 17.90% 17.90%
                                     account has an outstanding or credit balance. The minimum monthly  Rewards Cards Terms and Conditions      �	 card replacement fee: $5
  you individually or jointly with any other person(s) to the fullest extent 
                                     payment on your account is calculated at 2% of the statement balance  If you are participating in a Mastercard Rewards Card program, we 
  permitted by law.                                                                                                     Tier 5 Margin  Margin   �	 convenience check stop payment:  $15
                                     or $25, whichever is greater. If your account balance is greater than  have provided you with a separate written disclosure stating additional  �	 balance transfer stop payment fee:  $15
                                                                                                               Purchases    17.90%  17.90% 
                Security             your limit or your account is past due, you will be billed for the greater  Terms and Conditions on your Rewards Card account, and that  �	 each request to have a credit card delivered by courier:  $20
  This paragraph applies only if you have a �share secured credit  of: the minimum monthly payment; or the past due amount; or the  disclosure is made part of this Agreement by this reference.  Balance Transfers  17.90%  17.90% 
                                                                                                                                                         Change in Terms
  card�, which requires a separate security agreement. To secure your  overlimit amount. If the account is not paid down to the limit or below,  Cash Advances 17.90% 17.90%
                                                                                  Annual Percentage Rate                                      This Agreement is the contract which applies to all transactions 
  obligation, you grant us a security interest in your deposit account at  the account is subject to closure. The minimum monthly payment 
                                                                        SchoolsFirst FCU has a loan program, which features a range of        on your Account, even though the sales, Cash Advance, credit, 
  the Credit Union, under a SchoolsFirst Federal Credit Union Mastercard  must be received at the payment center on or before the payment due  Annual Percentage Rate - Penalty Rate
                                                                        interest rates for some of its consumer loans. A rate is based on a   or other documents you sign, agree to, or receive, may contain 
  Card  Security  Agreement  that  you  have  signed.  The  Security  date re?ected on the front of your monthly billing statement or the  If your credit card account is delinquent 60 days, we will increase 
                                                                        variety of factors, including the applicant�s credit rating.          different terms.  We may amend, modify, add to, or delete from 
                                     payment may be considered past due. Payments made in excess of the    your Annual Percentage Rate on the entire balance to 17.90%. The 
                                                                                                                                              this Agreement any term, condition, service, or feature at any time,