RE: Important information on your MasterCard® Business Platinum credit card

You have the right to reject these changes, unless you become more than 60 days late on your account. However, if you do reject these changes, you will not be able to use your account for new transactions. We kindly request that you notify us if you would like to reject these changes by May 18, 2017; you may reach us by calling 877.243.2528 ext. 1948 or emailing us at CCCUVISA@CommunityChoiceCU.com.

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  Annual fee: Remains the same; you’ll continue to enjoy no annual fee.
  

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  Member Rewards points will not be rolled over and will be forfeited
  

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  Earn points through April 30, 2017
  
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  Redeem points by June 16, 2017 at www.dreampoints.com/micommunitycu/
  

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  Credit card number and PIN: You’ll receive a new credit card number and instructions to select your own PIN in early May 2017. Please activate your new card on Sunday, May 21, 2017.
  
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  Cash advance fee: Changing to $10 or 4%, whichever is greater.
  
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  Balance transfer fee: Changing to $10 or 2%, whichever is greater.
  
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  Cash advance abilities: You will no longer be able to perform a cash advance from your credit card utilizing online banking. To complete a cash advance, please bring your card to a branch near you. Please note, the new cash advance fee will be in effect.
  
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  Over limit fee: Over limit coverage and the associated fee will be discontinued.
  
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  Due date change: Your current due date is the 25^th of the month. Your last payment due the 25^th will be May 25, 2017. The new due date will be the 1^st of each month, starting with July 1, 2017.
  
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  Variable rate: As described above, new purchases will be subject to a variable rate APR. However, if your new rate is lower than your current rate, you will enjoy the lower variable APR on your entire outstanding balance.
  
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  Minimum payment: Decreasing from $35 to $25, or 2% of the balance, whichever is greater.
  
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  Penalty APR: No penalty APR. Discontinued as of May 19, 2017.
  
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  Michigan Community’s online banking will be replaced with Community Choice’s e-Banking: Beginning May 25, 2017, you can check your balance, review statements, make payments and update your personal information in the Visa tab within e-Banking at CommunityChoiceCU.com. If you want to download any history from Michigan Community’s online banking, please do this prior to May 15, 2017. Moving forward, you’ll begin to accumulate history in the Visa tab.
  

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  Free worldwide automatic Travel Accident and Baggage Delay Insurance: Up to $1,000,000.
  
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  Free Visa enhancements services: Travel Emergency and Assistance Coverage, Warranty Manager and Auto Rental Collision waiver.
  
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  Auto pay: Monthly automatic payments can be set up from any financial institution.
  
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  Visa alerts: Enroll to receive emails and/or text messages for certain transaction types and dollar amounts.
  
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  Visa mobile application: Make payments, check balances, review your activity and report your card lost or stolen all from the convenience of your smartphone.
  
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  Apple Pay^TM, Samsung Pay^TM, Android Pay^TM, and Google Wallet^TM: Take advantage of the latest forms of payment technology.
  

Please activate your Community Choice Visa Business Platinum credit card on May 21, 2017, by following the instructions that accompany the card. We want you to start enjoying the added benefits right away and truly appreciate the opportunity to serve your financial needs. If you have any questions, please call 877.243.2528 ext. 1948, email CCCUVISA@CommunityChoiceCU.com or stop by any of our branches and a Personal Advisor will be happy to assist you.

Teresa Mayer