SchoolsFirst FCU Share Secured Mastercard� Credit Card Disclosure  
 
FEES 
Annual Fee None 
Transaction Fees  
� Balance Transfer � Cash Advance 
� Foreign Transactions  
None None 2% of the transaction in U.S. dollars. 
Penalty Fees � Late Payment 
� Returned Payment  Up to $25 imposed 15 days after the due date.  Up to $20. 
 
How We Will Calculate Your Balance: We use a method called �average adjusted daily balance (including new purchases).� See your account agreement for more details.  Other Fees: Rush Card: $20; Stop Payment: $15 for Convenience Checks or Balance Transfers.   Loss of Introductory APR: We may end your introductory/promotional APR (if any) and apply the Penalty APR if your payment is 60 days late.  SchoolsFirst FCU�s credit card program features a range of interest rates based on a variety of factors, including the applicant�s credit rating. Programs, rates, terms and conditions are subject to change.  INTEREST RATES AND INTEREST CHARGES 
Annual Percentage Rate (APR) for Purchases 13.90 %  
The Annual Percentage Rate is currently fixed and will remain fixed for a minimum of one-year after account opening. The Annual Percentage Rate is 
subject to change thereafter.  
APR for Balance Transfers 13.90%  
The Annual Percentage Rate is currently fixed and will remain fixed for a minimum of one-year after account opening. The Annual Percentage Rate is 
subject to change thereafter.  
APR for Cash Advances 13.90 % 
The Annual Percentage Rate is currently fixed and will remain fixed for a minimum of one-year after account opening. The Annual Percentage Rate is 
subject to change thereafter.  
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 s are increased for either of these reasons, the Penalty APR will apply until you make six  consecutive minimum payments beginning with the statement cycle immediately following the event that triggered the Penalty APR, provided you 
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 cy cle. We will not charge you interest on purchases and balance transfers 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 and convenience checks on the date they are posted to your account. 
Minimum Interest Charge None 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consu mer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.