Late Charge                    Foreign Currency Transactions regardless	of	where	you	live	and	use	your	credit	card.	This	Agreement	is	made	
  If the minimum payment due is not received by the Credit Union within 15  If you effect a transaction at a merchant that settles in a currency other than  in	California.	All	credit	will	be	extended	from	California,	and	all	repayment	
  days after the payment due date, a late charge of $25 will be imposed. U.S. dollars, Visa� Incorporated will convert the charge into a U.S. dollar  must be made in California.
                                     amount.	The	conversion	rate	in	U.S.	dollars	will	be	either	at	the	government-
          Additional Fees and Service Charges                                      YOUR BILLING RIGHTS  
                                     mandated	rate	or	a	wholesale	currency	market	rate	determined	by	Visa�	
  We may charge additional service charges for the following:                   KEEP THIS NOTICE FOR FUTURE USE
                                     for the processing date on which the transaction is processed. The currency 
     �	 each	draft	copy	that	you	request:	$10                           This  notice  contains  important  information  about  your  rights  and  our 
                                     conversion rate used by Visa� on the processing date may differ from the rate 
     �	 additional	 copies	 of	 your	 monthly	 billing	 statement:	 $2	 (per	 responsibilities	under	the	Fair	Credit	Billing	Act.
                                     that would have been used on the purchase date or the cardholder statement 
      statement)
                                     posting date. The Credit Union has no control over the conversion rate.  Notify Us In Case of Errors or Questions About Your Statement
     �	 any	payment	instrument	or	method	including	check,	in-person,	ACH	
                                                                        If	you	think	your	statement	is	wrong,	or	if	you	need	more	information	about	
      or	other	electronic	transaction	returned	to	us	for	any	reason:	$20 International Service Fee
                                                                        a transaction on your statement, write us on a separate sheet at the address 
     �	 researching	transactions	occurring	prior	to	your	most	recent	account	 A	 fee	 of	 2%	 will	 be	 assessed	 on	 international	 transactions.	 Transactions	
                                                                        listed	 on	 your	 statement	 as	 �Send	 Inquiries	 To�.	 Write	 to	 us	 as	 soon	 as	
      statement:	$20	per	hour,	minimum	$20 acquired	 in	 U.S.	 territories,	 and	 transactions	 originating	 on	 U.S.	 military	
                                                                        possible.	We	must	hear	from	you	no	later	than	60	days	after	we	sent	you	the	
     �	 card replacement fee: $5     bases,	at	U.S.	embassies	and	at	U.S.	consulates,	are	excluded	from	this	fee.	
                                                                        ?rst	statement	on	which	the	error	or	problem	appeared.	You	can	telephone	
     �	 convenience	check	stop	payment:		$15
                                                Convenience Checks      us, but doing so will not preserve your rights.
     �	 balance transfer stop payment fee:  $15
                                     You	may	access	your	credit	line	by	writing	checks	provided	by	us	for	that	 In your letter, give us the following information:
     �	 each	request	to	have	a	credit	card	delivered	by	courier:		$20
                                     purpose.	 The	 checks	 will	 be	 honored	 and	 paid	 up	 to	 your	 credit	 limit	 as	 �	 Your	name	and	account	number.
              Change in Terms        long	as	the	account	is	not	in	default.	You	may	request	a	stop	payment	on	 �	 The	dollar	amount	of	the	suspected	error.
  See	International	Service	Fee.	This	Agreement	is	the	contract	which	applies	to	 a	convenience	check	by	phone	or	in	writing.	We	must	receive	the	request	 �	 Describe	 the	 error	 and	 explain,	 if	 you	 can,	 why	 you	 believe	 the	
  all	transactions	on	your	Account,	even	though	the	sales,	Cash	Advance,	credit,	 in time to afford us reasonable opportunity to act upon it under the Credit  charge is an error. If you need more information, describe the item 
  or other documents you sign, agree to, or receive, may contain different  Union�s	rules.	Oral	or	telephone	requests	to	stop	payment	must	be	con?rmed	 you are not sure about.
  terms.		We	may	amend,	modify,	add	to,	or	delete	from	this	Agreement	any	 by	you	in	writing	to	us	within	fourteen	(14)	calendar	days	after	your	original	 If	you	have	authorized	us	to	pay	your	credit	card	bill	automatically	from	your	
  term, condition, service, or feature at any time, including the amount or  request,	and	if	not	so	con?rmed,	such	request	will	be	considered	to	have	 savings	or	checking	account,	you	can	stop	the	payment	on	any	amount	you	
  calculation	of	INTEREST	CHARGES.		Unless	we	state	otherwise,	the	change	 lapsed after the fourteen day period. We can only honor a stop payment  think	is	wrong.	To	stop	the	payment	your	letter	must	reach	us	three	business	
  will	affect	any	unpaid	balance	outstanding	and	any	subsequent	transactions.	 request	for	12	months	from	the	date	of	request.	You	agree	not	to	hold	us	 days before the automatic payment is scheduled to occur.
  A	notice	will	be	mailed	to	your	last	known	address	at	least	forty-?ve	(45)	days	 responsible for any claims or liabilities of payees or endorsers on convenience 
                                                                                Your Rights and Our Responsibilities  
  prior	to	the	effective	date	of	the	change	as	required	by	federal	or	other	law.	 checks	 for	 which	 you	 have	 requested	 payment	 stopped.	 You	 agree	 not	 to	
                                                                               After We Receive Your Written Notice.
  When	a	notice	of	change	in	terms	is	required,	it	may	be	sent	as	late	as	the	 hold	us	responsible	for	the	misrouting	or	delay	of	a	convenience	check	due	
                                                                        We	must	acknowledge	your	letter	within	30	days,	unless	we	have	corrected	
  effective date of the change when the change has been agreed to in writing  to	markings	placed	on	the	check	by	you	or	a	prior	endorser	that	obscure	any	
                                                                        the	error	by	then.	Within	90	days,	we	must	either	correct	the	error	or	explain	
  by you.  Rates are based on approved credit.  depository	endorsement	placed	by	us	or	our	agent.	We	may	recognize	the	
                                                                        why we believe the statement was correct.
                                     signature	of	any	borrower	or	authorized	user	on	this	account	as	authorized	to	
             Cancellation of Card                                                                                       VISA  
                                     transact	any	business	on	the	account.		Convenience	checks	cannot	be	used	 After	we	receive	your	letter,	we	cannot	try	to	collect	any	amount	you	question,	
  You may cancel your card at any time in writing, enclosing all cards on your 
                                     to	pay	any	amount	you	owe	under	this	Agreement	or	under	any	other	credit	 or	 report	 you	 as	 delinquent.	 We	 can	 continue	 to	 send	 statements	 to	 you	
  account cut in two. Cancellation of the card will end all charging privileges.                                  AGREEMENT AND
                                     agreement or account you have with us now or in the future. Convenience  for	the	amount	you	question,	including	?nance	charges,	and	we	can	apply	
  We	have	the	right	to	revoke	your	right	to	use	the	credit	card	at	any	time.	
                                     checks	are	considered	cash	advances	and	accrue	interest	according	to	the	 any unpaid amount against your credit limit. You do not have to pay any 
  We can do this with or without cause and without giving you notice. We may                                        DISCLOSURE  
                                     method	described	for	cash	advances	under	the	�CALCULATION	OF	FINANCE	 questioned	 amount	 while	 we	 are	 investigating,	 but	 you	 are	 still	 obligated	
  list	revoked	credit	cards	in	a	cancellation	bulletin	or	otherwise	inform	?rms	
                                     CHARGES�	heading	of	this	disclosure.	Transactions	made	using	convenience	 to	pay	the	parts	of	your	statement	that	are	not	in	question.		If	we	?nd	that	
  honoring	the	credit	card	that	the	credit	card	issued	to	you	has	been	revoked	
                                     checks	do	not	earn	Rewards	points. we	made	a	mistake	on	your	statement,	you	will	not	have	to	pay	any	?nance	 STATEMENT
  or	cancelled.	If	we	revoke	the	credit	card	or	it	expires,	you	must	return	it	to	
                                                                        charges	related	to	any	questioned	amount.	If	we	did	not	make	a	mistake,	
  us	if	we	so	request.	Also,	if	a	?rm	that	accepts	the	credit	card	asks	you	to	 Default/Collection/Attorney�s Fees
                                                                        you	may	have	to	pay	?nance	charges,	and	you	will	have	to	make	up	any	
  surrender	an	expired	or	revoked	credit	card,	you	must	do	so.	You	may	not	use	 You	will	be	in	default	and	understand	that	all	loan	credit	under	this	Agreement	
                                                                        missed	payments	on	the	questioned	amount.	In	either	case,	we	will	send	you	
  the	credit	card	after	it	has	expired	or	after	it	has	been	revoked.		Cancellation	 may	be	terminated	if	(1)	you	do	not	make	periodic	payments	as	required	by	
                                                                        a statement of the amount you owe and the date that it is due.  If you fail 
  or revocation of your credit card will not affect your obligation to pay any  this	Agreement,	(2)	you	do	not	keep	any	promise	made	in	this	Agreement	
                                                                        to	pay	the	amount	that	we	think	you	owe,	we	may	report	you	as	delinquent.	
  amounts	that	may	be	due	under	this	Agreement. or	any	other	agreement	with	this	Credit	Union,	(3)	any	information	that	you	
                                                                        However,	if	our	explanation	does	not	satisfy	you	and	you	write	us	within	ten	
                                     give	us	to	obtain	a	loan	advance	is	false,	(4)	any	third	party	attempts	by	
               Illegal Activity                                         days telling us that you still refuse to pay, we must tell anyone we report you 
                                     legal	process	to	take	any	property	belonging	to	you,	(5)	you	die,	become	
  Your Visa� card may not be used for any illegal activity. Internet gambling  to	that	you	have	a	question	about	your	statement,	and	we	must	tell	you	the	
                                     insolvent	or	are	a	party	to	any	bankruptcy	proceeding,	or	(6)	as	otherwise	   January	22,	2010
  may be illegal in the jurisdiction in which you are located, including the United  name of anyone we reported you to.  We must tell anyone we report you to 
                                     provided	in	this	Agreement.	If	you	are	in	default,	we	may	refuse	to	make	
  States and its territories. Your card may only be used for legal transactions.  that	the	matter	has	been	settled	between	us	when	it	?nally	is.		If	we	do	not	
                                     any further advances or refuse charge privileges to you and declare all sums 
  Display of a payment card logo by an online merchant does not mean    follow	these	rules,	we	cannot	collect	the	?rst	$50	of	the	questioned	amount,	
                                     owed	under	this	Agreement	immediately	due	and	payable.	We	may	accept	
  that Internet gambling or other transactions are legal in the jurisdiction in  even if your statement was correct.
                                     late payments or partial payments without losing any of our rights under this 
  which you are located. You agree to repay, according to the terms of this 
                                     Agreement.	You	understand	that	if	you	are	in	default,	we	may	add	to	your	 Special Rule For Credit Card Purchases
  Agreement,	transactions	you	initiate	by	use	of	your	card,	whether	deemed	
                                     unpaid balance any reasonable attorney�s fees and court costs, all of which  If	you	have	a	problem	with	the	quality	of	property	or	services	that	you	have	
  legal or illegal.
                                     you agree to pay.                  purchased with a credit card, and you have tried in good faith to correct the 
             Internet Transactions                                      problem with the merchant, you may have the right not to pay the remaining 
                                               Waivers and Severability
  Your	Visa�	card	is	automatically	enrolled	in	the	Veri?ed	by	Visa�	program.	To	 amount due on the property or services. There are two limitations on this 
                                     We	may	waive	or	decline	to	enforce	any	of	our	rights	under	this	Agreement	
  make	transactions	over	the	Internet,	merchants	may	request	your	Veri?ed	by	 right:	(a)	you	must	have	made	the	purchase	within	your	home	state,	or	if	
                                     without affecting any of our other rights.  Should any provision of this 
  Visa� password to complete the transactions. If a password is not provided,  not	within	your	home	state,	within	100	miles	of	your	current	mailing	address;	
                                     Agreement	be	determined	to	be	invalid	or	unenforceable,	that	determination	
  or	 you	 do	 not	 successfully	 register	 with	 Veri?ed	 by	 Visa�,	 the	 merchant	 and	(b)	the	purchase	price	must	have	been	more	than	$50.These	limitations	
                                     shall not affect the validity or enforceability of any other provision.
  may deny the transaction. If the password is incorrect, we may deny the  do not apply if we own or operate the merchant, or if we mailed you the 
  transaction. You can select or change your password and view additional  Governing Law advertisement for the property or services.
  terms	online	at	www.SchoolsFirstfcu.org	by	clicking	on	the	Veri?ed	by	Visa�	 This	 Agreement,	 your	 credit	 card	 line	 of	 credit,	 as	 well	 as	 our	 rights	 and	
  link	 under	 �Related	 Topics�	 on	 the	 credit	 card	 product	 pages.	 By	 allowing	 duties and your rights and duties regarding them, will be governed by and 
  another	person	to	use	your	Veri?ed	by	Visa	password	you	are	authorizing	the	 interpreted	in	accordance	with	federal	law	to	the	fullest	extent	possible	and,	
  transaction(s)	on	your	account.    to	the	extent	federal	law	does	not	apply,	in	accordance	with	California	law,	 M-98587
  You agree to the following terms and conditions and any amendments  Please	keep	your	PIN	con?dential	and	do	not	write	it	on	or	keep	it	with	your	 or purchases and advances per day or deny transactions when we detect  Street	Journal	on	the	?rst	business	day	of	the	month	preceding	the	start	date	
  thereto.                           credit card.                       unusual	or	suspicious	activity,	even	if	you	have	suf?cient	credit	available.		We	 of	each	current	billing	cycle.		The	tier	and	margin,	and	subsequently	the	APR	
                                                                        are not liable for failing to approve any transaction and we may, although  you	receive,	is	determined	by	your	creditworthiness.	The	maximum	Annual 
            Accepting This Agreement             Credit Information
                                                                        we	 are	 not	 required	 to,	 approve	 transactions	 above	 your	 available	 credit.	 Percentage Rate is 18.00%. 
  Before	you	sign	or	use	the	SchoolsFirst	Federal	Credit	Union	Visa�	credit	card	 You	agree	that	we	may	re-examine	and	re-evaluate	your	creditworthiness	
                                                                        We	are	not	liable	if	a	merchant,	?nancial	institution,	or	ATM	does	not	honor	
  issued	to	you,	please	read	this	Agreement	thoroughly,	because	by	using	the	 at	any	time.	You	authorize	us	to	obtain,	from	time	to	time,	information	from	 Variable Rate Margins
                                                                        your card.
  credit card you will be agreeing with us to the terms and conditions stated in  others, including, but not limited to credit reporting agencies, concerning  																																													Gold														Rewards										Platinum
  this	Agreement.	If	you	do	not	wish	to	be	bound	by	this	Agreement,	do	not	use	 you	and	your	credit	accounts.	You	also	authorize	us	to	respond	to	requests	 Membership Requirement
  the credit card, and write to us and tell us that you wish to cancel your credit  from others and to provide information regarding the status and history of  You must be a Member in good standing to be eligible for a credit card with               Tier 1 Margin  Margin  Margin 
  card	account	with	us.	If	you	have	received	a	card	or	checks	to	access	the	card	 your	 account	 with	 us.	 However,	 we	 are	 not	 obligated	 to	 release	 any	 such	 us.  We may suspend card privileges, including closing your account, if you do  Purchases  7.25%	 8.25%	 5.25%	
  account, destroy them.             information	to	anyone	unless	we	are	required	by	law	to	do	so.	You	agree	 not maintain your Membership with us in good standing. Balance	Transfers	 7.25%	 8.25%	 5.25%	
                                     that we have the right to refuse future advances under your line of credit  Cash	Advances 12.25% 13.25% 10.25%
                De?nitions                                                        Responsibility for Account
                                     or	reduce	your	credit	limit	upon	re-examination	and	re-evaluation	of	your	
  In	this	Agreement	the	words	�you�,	�your�,	and	�yours�	mean	each	and	all	 You	 agree	 to	 repay	 us	 according	 to	 the	 terms	 of	 this	 Agreement	 for	 all	
                                     creditworthiness,	should	your	creditworthiness	change	signi?cantly.                  Tier 2 Margin  Margin  Margin 
  of	the	person(s)	who	apply	for	and/or	use	the	card,	the	words	�credit	card�	 purchases,	advances,	?nance	charges,	fees	and	collection	costs,	if	any,	arising	 Purchases  9.25%	 10.25%	 7.25%	
  mean the SchoolsFirst Federal Credit Union Visa� credit card, and the words,  Change of Name, Address, Employment, Telephone from the use of this account by you or any other person you permit to use  Balance	Transfers	 9.25%	 10.25%	 7.25%	
  �we�,	�our�,	�us�,	and	�Credit	Union�	mean	the	SchoolsFirst	Federal	Credit	 You agree to promptly report to us any change in your name, address,  your	card	and/or	account	(even	if	that	person	exceeded	the	amount	for	which	 Cash	Advances 14.25% 15.25% 12.25%
  Union.                             employment, or telephone number.   you gave permission).  If you decide to close your account please notify us 
                                                                        orally	or	in	writing	and	return	all	card(s)	on	the	account.		You	remain	liable	for	
       Liability of All Cardholders and Authorized Users Purchases/Cash Advances                                          Tier	3 Margin  Margin  Margin 
                                                                        any transactions to the account that we cannot prevent after you notify us. 
  You understand that you are liable for the payment of all sums due under  You	may	access	your	line	of	credit	by	making	a	purchase	at	a	merchant�s	 Purchases  11.25%	 12.25%	 9.25%	
                                                                        Any	person	using	the	account	and/or	card	is	jointly	and	severally	responsible	
  this	Agreement.	If	there	is	more	than	one	borrower	or	authorized	user	on	 location	that	accepts	the	credit	card,	by	requesting	a	Balance	Transfer	orally	 Balance	Transfers	 11.25%	 12.25%	 9.25%	
                                                                        for all charges on the account.
  this account, each person, individually, and all persons jointly are obligated  or	electronically,	or	in	writing,	or	by	making	a	cash	advance.	We	will	not	be	 Cash	Advances 16.25% 17.25% 14.25%
  to	repay	all	sums	due	under	this	Agreement.	You	agree	that	all	statements	 responsible or liable to you should anyone refuse to accept or honor your  Lost, Stolen or Unauthorized Use
                                                                                                                          Tier	4 Margin  Margin  Margin 
  made in your application for your credit card were for the purpose of obtaining  card, or should anyone retain your card and not return it to you. You may  It is important to continually monitor your monthly statements to identify any 
  credit	and	are	true,	correct,	and	complete	to	the	best	of	your	knowledge	and	 request	cash	advances	under	this	Agreement	by	writing	a	SchoolsFirst	FCU	 unauthorized	transactions.	If	your	card	is	lost	or	stolen,	or	you	believe	that	 Purchases  17.90%	 17.90%	 17.90%	
  belief.                            convenience	check;	by	making	a	written,	telephone	or	electronic	request	to	 someone has accessed or may access money from your card without your  Balance	Transfers	 17.90%	 17.90%	 17.90%	
                                     us;	or	by	requesting	a	cash	advance	at	a	?nancial	institution	or	an	ATM	that	 permission,	notify	us	immediately.	If	you	notice	unauthorized	or	fraudulent	 Cash	Advances 17.90% 17.90% 17.90%
               Credit Limit
                                     accepts the credit card. You agree to repay all advances for purchases and  activity on your card, notify us immediately. Notify us at the phone number or 
  This	Agreement	establishes	a	credit	card	account	for	you	with	an	open	end	line	
                                     cash	advances	made	to	you	or	at	the	request	of	a	joint	borrower	or	authorized	 address	listed	on	your	statement	under	�How	to	Reach	Us�.	Calling	us	is	the	 Annual Percentage Rate  - Penalty Rate
  of credit. We will establish a credit limit for you, and may increase or decrease 
                                     user	under	this	Agreement,	and	you	understand	that	all	purchases	and	cash	 best	way	to	report	any	problems	or	get	questions	answered.	Your	liability	may	 If	your	credit	card	account	is	delinquent	60	days,	we	will	increase	your	Annual 
  that credit limit from time to time. We have provided you with a separate 
                                     advances	will	be	subject	to	the	terms	of	this	Agreement.	You	agree	not	to	 be limited subject to federal law and Visa regulations. In the event your card  Percentage Rate	on	the	entire	balance	to	18.00%.	This	rate	will	remain	in	
  written disclosure stating the credit limit for purchases and cash advances on 
                                     request	advances	or	make	purchases	or	use	your	account	in	any	way	that	 is used fraudulently, you agree to assist us in our investigation and you agree  effect	until	such	time	as	your	VISA	account	re?ects	a	satisfactory	payment	
  your	account,	and	that	disclosure	is	made	a	part	of	this	Agreement	by	this	
                                     would	make	the	unpaid	balance	of	your	account	exceed	your	credit	limit.	Cash	 to	sign	an	af?davit	of	fraud	and	forgery. history	for	a	minimum	of	6	consecutive	months	from	the	date	of	the	increase.	
  reference. Your monthly statements will show the amount of credit available 
                                     advances	cannot	be	used	to	pay	any	amount	you	owe	under	this	Agreement	 At	that	time,	your	credit	card	rate	will	be	lowered	to	re?ect	your	original	tier.
  to you for purchases and cash advances as of the statement date. We will      Rewards Cards Terms and Conditions
                                     or under any other credit agreement or account you have with us now or in 
  give you written notice of any change in your credit limit. If your credit limit is  If you are participating in a Visa Rewards Card program, we have provided  Monthly Periodic Rate
                                     the future.
  decreased	for	any	reason,	any	subsequent	request	for	a	credit	limit	increase	 you with a separate written disclosure stating additional Terms and Conditions  The	Monthly	Periodic	Rate	is	determined	by	dividing	the	Annual	Percentage	
  will be subject to credit application and approval. You agree not to use your  Minimum Monthly Payments on your Rewards Card account, and that disclosure is made part of this  Rate	by	twelve	(12	months	in	a	year).
  account	in	any	way	which	would	make	the	unpaid	balance	of	your	account	 Agreement	by	this	reference.	
                                     You will receive a statement for each monthly billing period in which your     Calculation of Interest Charges
  or	cash	advances	on	your	account	exceed	your	credit	limit.	You	also	agree	
                                     account has an outstanding or credit balance. The minimum monthly payment  Rewards Card Annual Fee Interest  Charges  for  each  monthly  billing  cycle  will  be  calculated  by 
  to	pay	us	the	amount	of	any	transactions	on	your	account	in	excess	of	your	
                                     on	your	account	is	calculated	at	2%	of	the	statement	balance	or	$25,	whichever	 You	will	be	charged	an	annual	fee	in	the	amount	of	$25.00,	beginning	in	the	 multiplying	 the	 Average	 Adjusted	 Daily	 Balance	 by	 the	 Monthly	 Periodic	
  credit	limit	along	with	your	regular	minimum	payment	at	your	next	scheduled	
                                     is greater. If your account balance is greater than your limit or your account is  twelfth	month	following	the	account	open	date,	which	will	be	your	�anniversary	 Rate.	We	will	calculate	your	Average	Adjusted	Daily	Balance	as	follows:	We	
  payment due date. Purchases and advances are subject to daily limits that 
                                     past	due,	you	will	be	billed	for	the	greater	of:	the	minimum	monthly	payment;	 date.�		The	fee	will	be	assessed	yearly	thereafter,	in	your	anniversary	month. take	the	outstanding	balance	(all	amounts	you	owe)	at	the	start	of	the	day.	
  may	restrict	the	full	use	of	your	Credit	Limit.
                                     or	the	past	due	amount;	or	the	Overlimit	amount.	If	the	account	is	not	paid	 Then,	in	the	sequence	in	which	the	amounts	post	to	your	account,	we	add	
                                                                                   Annual Percentage Rate
              Pledges of Shares      down to the limit or below, the account is subject to closure. The minimum  the	amount(s)	of	all	debits	and	subtract	the	amount(s)	of	all	payments	and	
                                                                        SchoolsFirst FCU has a loan program, which features a range of interest 
  You grant us a consensual security interest in your accounts and have pledged  monthly payment must be received at the payment center on or before the  credits	which	post	to	your	account	that	day.	After	applying	payments	and	
                                                                        rates	for	some	of	its	consumer	loans.	A	rate	is	based	on	a	variety	of	factors,	
  funds	on	deposit	in	your	account	(except	IRA	or	Deferred	Compensation)	to	 payment	due	date	re?ected	on	the	front	of	your	monthly	billing	statement	or	 credits, we subtract any amount of late charge, interest charge, and any other 
                                                                        including the applicant�s credit rating. 
  satisfy	debts	that	are	due	us.	We	reserve	the	right	to	exercise	this	pledge	of	 the	payment	may	be	considered	past	due.	Payments	made	in	excess	of	the	 charges that remain unpaid.
  shares for liabilities owed to us against any account held by you individually or  minimum	payment	will	be	applied	?rst	to	the	balance	with	the	highest	interest	 This	Agreement	establishes	the	Annual Percentage Rate for both Purchases  The result is the adjusted daily balance for that day. We add together all the 
  jointly	with	any	other	person(s)	to	the	fullest	extent	permitted	by	law. rate,	then	successively	to	each	lower	interest	rate	until	the	excess	payment	 and	Cash	Advances	under	this	credit	card	program.	We	have	provided	you	 adjusted daily balances for each day in the billing cycle and divide the total 
                                     amount	is	exhausted.	If	you	have	a	credit	balance	on	your	account	due	to	 with	a	separate	written	disclosure	stating	the	Annual	Percentage	Rate	that	
                Security                                                                                   by	the	number	of	days	in	the	billing	cycle.	The	result	is	the	Average	Adjusted	
                                     merchant credits, adjustments or overpayments, we will hold and apply this  will apply to purchases and cash advances on your account. That disclosure is 
  This	paragraph	applies	only	if	you	have	a	�share	secured	credit	card�,	which	                            Daily	Balance	for	that	billing	cycle.
                                     credit balance against future purchases and cash advances, or refund it at  made	part	of	this	Agreement	by	this	reference.	
  requires	a	separate	security	agreement.	To	secure	your	obligation,	you	grant	
                                     your	written	request.	An	increase	or	decrease	in	the	Annual	Percentage	Rate	 Interest Charges are imposed only if you do not pay in full the new balance for 
  us a security interest in your deposit account at the Credit Union, under a  See Annual Percentage Rate - Variable Rate Credit Card Programs 
                                     may result in an increase or decrease in your monthly payment.        Purchases shown on your Periodic Statement within 25 days of the end of the 
  SchoolsFirst	Federal	Credit	Union	Visa	Card	Security	Agreement	that	you	have	 below for additional information on variable rate cards. statement	period.	However,	interest	charges	will	be	assessed	and	will	accrue	
  signed.	The	Security	Agreement	is	incorporated	into	and	made	part	of	this	 Promise to Pay See  Annual  Percentage  Rate  -  Penalty  Rate  below  for  additional  on	any	cash	advance	(see Purchases/Cash Advances) from the date that 
  Agreement	and	Disclosure	Statement	by	this	reference. You agree to pay us, at the payment address stated on the front of your  information. such cash advance transaction is posted to your account to the date the 
                                     monthly billing statement, all sums which have been accumulated on your 
           Personal Identi?cation Number                                                                   cash advance balance is paid in full or the Statement Closing Date whichever 
                                     account	by	you	or	others	with	your	permission,	together	with	any	?nance	 Annual Percentage Rate  -  Variable Rate Credit Card Programs
  A	Personal	Identi?cation	Number	(PIN)	may	be	obtained	by	selecting	your	                                 comes	?rst,	even	if	payment	of	the	entire	New	Balance	is	received	by	us	by	
                                     charges, late charges and any other service charges computed on your  The Annual Percentage Rate	is	subject	to	change	monthly	on	the	?rst	day	
  own	PIN	at	any	SchoolsFirst	FCU	branch	or	by	calling	(877)	315-3483.	This	                               the Payment Due Date. In other words, there is no time period within which 
                                     account	as	set	forth	in	this	Agreement. of	the	billing	cycle.		Note	that	an	increase	in	the	Annual	Percentage	Rate	may	
  PIN may be used by you with your credit card to obtain a cash advance on                                 credit	extended	to	you	by	a	cash	advance	may	be	repaid	without	incurring	a	
                                                                        result in greater interest charges and a larger monthly payment.
  your	account	at	any	Automated	Teller	Machine	(ATM)	displaying	the	Visa�	 Authorizations                  interest charge.
  logo	or	to	make	purchases	at	any	designated	point	of	sale	(POS)	machine.	 Most	transactions	require	approval	of	funds.		Approvals	result	in	placing	a	hold	 The	rate	is	determined	by	adding	an	index	plus	a	margin.		The	index	is	the	
                                     against your credit limit.  We may limit the number or amount of approvals  highest	�Prime	Rate�	as	reported	in	the	�Money	Rates�	tables	of	The	Wall	
              
             
                              SchoolsFirst FCU Visa Disclosure 
        Interest Rates and Interest Charges 
        Annual Percentage Rate (APR) for 
                                  8.50%- 17.90%  
        Purchases  
                                   
                                  This 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 apply until you make 6 consecutive 
                                  minimum payments when due 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 Federal  To learn more about factors to consider when applying for or using a credit 
        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 
                                                      st
        Visa Rewards:                    $25 (waived for the 1  year) 
                                          
        Transaction Fees                  
          � Balance Transfer             $0.00 
                                          
          � Cash Advance                 $0.00 
                                          
          � Foreign Transactions         2% of the transaction in U.S. Dollars 
        Penalty Fees                      
          � Late Payment                 $25 imposed 15 days after the due date 
                                          
          � Returned Payment             $20 
         
        Other Fees                        
          �  Express Card                $20 
                                          
          �  Card Replacement            $5 
                                          
          �  Stop Payment                $15 for Convenience checks or Balance Transfer orders 
                                          
       How We Will Calculate Your Balance: We use a method called �average adjusted daily balance (including 
       new purchases).� 
                    
       Loss of Introductory APR: We may end your 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