INTEREST RATES AND FEES UNDER THIS CREDIT CARD ACCOUNT
The following information is provided pursuant to the Federal Truth-in-Lending Act/Regulation Z
Annual Percentage Rate (APR) for purchases:
0% Introductory APR for purchases during the first six months.
Thereafter, fixed 10.90% APR.

Other APRs:
Balance Transfer APR: Balance transfer APR: 2.90% introductory APR for 18 months when balances are transferred during the first 60 days of account open date. Thereafter, fixed 10.90% APR.
Cash advance APR: 10.90%
Penalty APR: 17.90%1

Annual fees: None
Balance transfer fee: None
Grace period for balance transfer and cash advance: None
Transaction fee for purchases: None
Grace period for repayment of the balance for purchases:
25 days for purchases if full balance is paid by due date.
Transaction fee for cash advances: 2% with a minimum of $5.00
Late payment fee: $10.00
Returned check fee on payments: $25.00
Over-the-credit-limit fee:
$10.00 each month the account balance exceeds the credit
limit by 20% or $500, whichever is lower at the cycle closing.
International service assessment fee: 1% of transaction amount.
Cash Advance Daily Limit : $1,000.00
Method of computing the balance for purchases:
Average daily balance (including new purchases).
Minimum finance charge: $1.00

APR=Annual Percentage Rate
1. If your account becomes 2 cycles delinquent at any time, your APR will increase to 17.90%. If your APR is increased due to delinquency, the new rate will remain in effect until you have maintained a current payment record for six consecutive cycles at which time your APR will decrease to the Credit Union’s current standard rate of 10.90%.

Miscellaneous Fees: $40.00 for express card order. $5.00 for pin replacement. $25.00 for returned check on payments.

*Rewards: Receive up to 10,000 rewards bonus points on purchases: 5,000 when you’re approved and up to 5,000 more with double points for the first six months. Points earned will be credited to your account each month, will accrue over five calendar years and expire on a first-in-first-out basis annually. Points earned in calendar year one will expire as of the last day of calendar year five. Double points apply on donations to churches and ministries with IRS Merchant Category Code 8661. Subject to change without notice.

Card Agreement and Federal Truth-in-Lending Disclosure: By my/our signature I/we acknowledge that I/we will be bound by all the terms and conditions of the credit card agreement and Truth-in-Lending disclosure statement which will be provided later with or before issuance of cards. If upon receipt and review of said credit card agreement and Truth-in-Lending statement, I/we do not agree to be so bound upon receipt of any credit card issued pursuant to this application, I/we will render same unusable by cutting in half and will return it to the Credit Union with notice of my intention. I/We also warrant the accuracy and completeness of information I/we have supplied herein, acknowledge that the Credit Union will rely on same in determining to extend credit, authorize the Credit Union to verify said information by any means, and report performance under this account to any credit reporting agency.

Notice to Applicant: The following applies if you are not already a member of Christian Community Credit Union. I hereby apply for membership in Christian Community Credit Union with this application and certify that I qualify for membership based on the relationship stated in the Credit Union membership eligibility section. I understand that a non-refundable membership fee of $5 will be charged to my credit card account if my application is approved. I further understand that to continue my membership in the Credit Union, I must maintain this credit card account relationship or separately establish a member savings account should I discontinue this credit card account. Credit union membership is not required for spouse as a joint applicant.

Important Information About Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Note: This account agreement information herein is current as of 02/19/2008. The interest rate is fixed; however, the interest rate and all terms could change sometime in the future. If terms change, you will receive prior notice. To find out what may have changed, call 800.347.CCCU, or write to: Christian Community Credit Union, P.O. Box 9001, San Dimas, CA 91773.