b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nCASH REWARDS/TRAVEL REWARDS\nBUSINESS CASH REWARDS/SECURED VISA\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nCash Rewards\n\n0.00%\n\nIntroductory APR for a period of 12 billing cycles.\n\n9.90% to 19.24%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTravel Rewards\n\n0.00%\n\nIntroductory APR for a period of 12 billing cycles.\n\n9.90% to 19.24%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nBusiness Cash Rewards\n\n3.99%\n\nIntroductory APR for a period of nine billing cycles.\n\n12.74% to 19.24%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSecured Visa\n\n14.74%\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nCash Rewards\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 11.90% to 21.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTravel Rewards\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 11.90% to 21.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nBusiness Cash Rewards\n3.99% Introductory APR for a period of nine billing cycles.\nAfter that, your APR will be 14.74% to 21.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSecured Visa\n16.74%\nThis APR will vary with the market based on the Prime Rate.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10406597-MXC10-C-2-021120 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nCash Rewards\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 11.90% to 21.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTravel Rewards\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 11.90% to 21.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nBusiness Cash Rewards\n14.74% to 21.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and When it Applies\n\nSecured Visa\n16.74%\nThis APR will vary with the market based on the Prime Rate.\n17.49%\nThis APR may be applied to your account if you:\n- Make a late payment;\n- Go over your credit limit two times in any 12-month period; or\n- Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nmaking a late payment, the Penalty APR will apply until you make six\nconsecutive minimum payments when due. If your APRs are increased for\ngoing over your credit limit two times in a 12-month period or making a\npayment that is returned, we may keep the APR at this higher level\nindefinitely.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee - Cash Rewards,\nTravel Rewards\n- Balance Transfer Fee - Business Cash\nRewards, Secured Visa\n- Cash Advance Fee - Cash Rewards,\nTravel Rewards\n- Cash Advance Fee - Business Cash\nRewards, Secured Visa\n- Foreign Transaction Fee - Cash\nRewards, Business Cash Rewards,\nSecured Visa\n- Foreign Transaction Fee - Travel\nRewards\n\n4.00% of the amount of each balance transfer\nNone\n4.00% of the amount of each cash advance\nNone\n3.00% of each transaction in U.S. dollars\nNone\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10406597-MXC10-C-2-021120 (MXC101-E)\n\n\x0cPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $10.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Cash Rewards, Travel Rewards:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first 12 months following issuance of your card. Any existing balances on Excite Credit Union loan or\ncredit card accounts are not eligible for the Introductory APR for balance transfers.\nPromotional Period for Introductory APR - Business Cash Rewards:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first\nnine months following issuance of your card. Any existing balances on Excite Credit Union loan or credit card accounts\nare not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR - Cash Rewards, Travel Rewards:\nWe may end your Introductory APR for purchases, balance transfers and cash advances and apply the Penalty APR if\nyou are 60 days late in making a payment.\nLoss of Introductory APR - Business Cash Rewards:\nWe may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days\nlate in making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment, go over your\ncredit limit two times in any 12-month period or make a payment that is returned.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 2, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Cash Rewards, Travel Rewards, Business Cash Rewards and Secured Visa are\nsecured credit cards. Credit extended under this credit card account is secured by various personal property and\nmoney including, but not limited to: (a) any goods you purchase with this account, (b) any shares you\nspecifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any\nindividual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any\nother account that would lose special tax treatment under state or federal law, and (d) collateral securing other\nloans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and\nagree that during any periods when you are a covered borrower under the Military Lending Act your credit card\nwill be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in\nany individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i)\nyou establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge) - Cash Rewards, Travel Rewards:\n4.00% of each balance transfer.\nCash Advance Fee (Finance Charge) - Cash Rewards, Travel Rewards:\n4.00% of each cash advance.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10406597-MXC10-C-2-021120 (MXC101-E)\n\n\x0c\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10406597-MXC10-C-2-021120 (MXC101-E)\n\n\x0c&21680(5\n&5(\',7 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ELOO\nLV\x03FRUUHFW\x11\n<RXU\x035LJKWV\x03LI\x03<RX\x03$UH\x03\'LVVDWLVILHG\x03:LWK\x03<RXU\x03&UHGLW\x03&DUG\x033XUFKDVHV\n,I <RX DUH GLVVDWLVILHG ZLWK WKH JRRGV RU VHUYLFHV WKDW <RX KDYH SXUFKDVHG ZLWK <RXU FUHGLW FDUG\x0f DQG <RX KDYH WULHG LQ\nJRRG IDLWK WR FRUUHFW WKH SUREOHP ZLWK WKH PHUFKDQW\x0f <RX PD\\ KDYH WKH ULJKW QRW WR SD\\ WKH UHPDLQLQJ DPRXQW GXH RQ WKH\nSXUFKDVH\x11\n7R\x03XVH\x03WKLV\x03ULJKW\x0f\x03DOO\x03RI\x03WKH\x03IROORZLQJ\x03PXVW\x03EH\x03WUXH\x1d\n\x14\x11 7KH SXUFKDVH PXVW KDYH EHHQ PDGH LQ <RXU KRPH VWDWH RU ZLWKLQ \x14\x13\x13 PLOHV RI <RXU FXUUHQW PDLOLQJ DGGUHVV\x0f DQG WKH\nSXUFKDVH SULFH PXVW KDYH EHHQ PRUH WKDQ \x07\x18\x13\x11 1RWH\x1d 1HLWKHU RI WKHVH DUH QHFHVVDU\\ LI <RXU SXUFKDVH ZDV EDVHG RQ\nDQ\x03DGYHUWLVHPHQW :H\x03PDLOHG\x03WR <RX\x0f\x03RU\x03LI :H\x03RZQ\x03WKH\x03FRPSDQ\\\x03WKDW\x03VROG <RX\x03WKH\x03JRRGV\x03RU\x03VHUYLFHV\x11\n\x15\x11 <RX PXVW KDYH XVHG <RXU FUHGLW FDUG IRU WKH SXUFKDVH\x11 3XUFKDVHV PDGH ZLWK FDVK DGYDQFHV IURP DQ $70 RU ZLWK D\nFKHFN\x03WKDW\x03DFFHVVHV <RXU\x03FUHGLW\x03FDUG $FFRXQW\x03GR\x03QRW\x03TXDOLI\\\x11\n\x16\x11 <RX\x03PXVW\x03QRW\x03\\HW\x03KDYH\x03IXOO\\\x03SDLG\x03IRU\x03WKH\x03SXUFKDVH\x11\n,I DOO RI WKH FULWHULD DERYH DUH PHW DQG <RX DUH VWLOO GLVVDWLVILHG ZLWK WKH SXUFKDVH\x0f FRQWDFW 8V LQ ZULWLQJ RU HOHFWURQLFDOO\\ DW\nWKH\x03DGGUHVV\x03OLVWHG\x03RQ <RXU\x03VWDWHPHQW\x11\n:KLOH :H LQYHVWLJDWH\x0f WKH VDPH UXOHV DSSO\\ WR WKH GLVSXWHG DPRXQW DV GLVFXVVHG DERYH\x11 $IWHU :H ILQLVK 2XU LQYHVWLJDWLRQ\x0f\n:H ZLOO WHOO <RX 2XU GHFLVLRQ\x11 $W WKDW SRLQW\x0f LI :H WKLQN <RX RZH DQ DPRXQW DQG <RX GR QRW SD\\\x0f :H PD\\ UHSRUW <RX DV\nGHOLQTXHQW\x11\n3DJH \x19\x03RI \x19\n10406597-MXC30-P-1-061019 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM/VISA SIGNATURE REWARDS/VISA\nPLATINUM SECURED\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n0.00%\n\nIntroductory APR for a\n\n8.15\n\nperiod of 12 months\n\n.\n\nto 13.15%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature Rewards\n\n0.00%\n\nIntroductory APR for a\n\nperiod of 12 months\n\n.\n\n11.15% to 13.15%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n\n15.15%\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Platinum\n0.00% Introductory APR for a\n\nperiod of 12 months\n\n.\n\nAfter that, your APR will be 8.15% to 13.15%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature Rewards\n0.00% Introductory APR for a\n\nperiod of 12 months\n\n.\n\nAfter that, your APR will be 11.15% to 13.15%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n15.15%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03204256-MXC10-C-1-082418 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nVisa Platinum\n8.15% to 13.15%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature Rewards\n11.15% to 13.15%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n15.15%\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee - Visa Platinum,\nVisa Signature Rewards\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\n$5.00 or 1.50% of the amount of each balance transfer, whichever is greater\n$10.00 or 2.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Platinum, Visa Signature Rewards:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first\n90 days following account opening\n. Any existing balances on Allegacy Federal Credit Union loan or credit card\naccounts are not eligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: March 19, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum, Visa Signature Rewards and Visa Platinum Secured are secured\ncredit cards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or\njoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account\nthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have\nwith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that\nduring any periods when you are a covered borrower under the Military Lending Act your credit card will be\nsecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any\nindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you\nestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03204256-MXC10-C-1-082418 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge) - Visa Platinum, Visa Signature Rewards:\n$5.00 or 1.50% of the amount of each balance transfer, whichever is greater. This fee is in effect for transactions posted\nduring the promotional period. There will be no balance transfer fee on transactions posted after the promotional period.\nCash Advance Fee (Finance Charge):\n$10.00 or 2.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nPay-by-Phone Fee:\n$12.00.\nRush Fee:\n$35.00.\nStatement Copy Fee:\n$2.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03204256-MXC10-C-1-082418 (MXC101-E)\n\n\x0c'


b'Annual Percentage Rate (APR)\nfor Purchases\n\nAPR for Balance Transfers\n\nFNB Smart Rate Credit Card\nINTEREST RATE AND INTEREST CHARGES\n\n0% introductory APR for the first 12 months from date of account opening\nAfter that, your APR will be 11.99%, 15.99% or 19.99% based on your\n\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate.\n\n0% introductory APR for months from date of account opening when the balance is transferred\nwithin the first 60 days following account opening.\n\nAfter that, your APR will be 11.99%, 15.99% or 19.99% based on your\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate\nAPR for Cash Advances\n\n22.49%\n\nPenalty APR and When It Applies\n\n24.00%\n\nHow to Avoid Paying Interest\non Purchases\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make your payment more than 60 days after the\npayment due date.\nHow Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty\nAPR will apply until you make six consecutive minimum payments when due. If you do not make\nsix consecutive payments when due, the Penalty APR will apply indefinitely.\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Fees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10.00 or 3.0% of the amount of each cash advance, whichever is greater.\nEither $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.\n2.0% of each transaction in U.S. dollars.\n$25.00\n$25.00\n\nHow we will calculate your balance: For Purchases we use a method called \xe2\x80\x9caverage daily balance (excluding new purchases)\xe2\x80\x9d.\nHow we will calculate your variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the\nMoney Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your\nbilling statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day\nof your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a\nhigher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal\nstops publishing the Prime Rate, we will select a similar reference rate.\nPrime Rate: We add 8.74%, 12.74% or 16.74% based on your credit worthiness to the Prime Rate to determine the Purchase/Balance\nTransfer APR. We add 19.24% to the Prime Rate to determine the Cash Advance APR. For example, if the Prime Rate is 4.75% we add\n8.74%, 12.74% or 16.74% to the Prime Rate to determine your Purchase/ Balance Transfer Rate of 13.49%, 17.49% or 21.49%. Likewise,\nif the Prime Rate is 4.75% we add a 19.24% margin to the rate to calculate the Cash Advance APR of 23.99%.\nDiscretionary Fees: You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee \xe2\x80\x93 $10 for using a live representative\nto make a payment via phone; doesn\xe2\x80\x99t apply to payments made via our automated payment system. 2. Overnight Card Fee \xe2\x80\x93 If you request, and\nwe agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery.\nCardholder Agreement: To review a copy of our Cardholder Agreement please visit www.fnb- online.com/creditcard.\n\n\x0cLimitations & Warnings\n\xe2\x80\xa2 You may not use this account, to make a payment on this or any other credit account with us or our affiliates.\n\xe2\x80\xa2 You may not use or permit your account to be used to make any illegal transaction.\n\xe2\x80\xa2 You will only use your account for transactions that are legal where you conduct them. For example, Internet gambling transactions may be\nillegal in your state.\n\xe2\x80\xa2 Display of a payment card logo by an online merchant does not mean that an Internet transaction is legal where you conduct it. We may\ncharge your account for such transactions.\n\xe2\x80\xa2 We will not be liable if you engage in an illegal transaction.\n\xe2\x80\xa2 We may deny authorization of any transactions identified as Internet gambling.\n\xe2\x80\xa2 You may not use your account to conduct transactions in any country or territory or with any individual or entity that is subject to economic\nsanctions administered and enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Assets Control (OFAC). Use of your card in\nthose countries will be blocked.\nOther Discretionary Fees\nIn addition to the other fees previously noted, you may incur the following fees for using this card at your discretion:\nPay By Phone\nFee\n\nOvernight Card\nFee\n\n$10.00 for using a live representative to make a\npayment via telephone; this fee does not apply\nto payments made via our automated telephone\npayment system\nIf you request that we overnight a card to you\nand we agree, a fee for expediting the creation\nand mailing of a card will be assessed to your\novernight delivery on a business day is $50.00\nand is subject to change. Additional fees apply\nfor Saturday delivery\n\nThe information about the costs of the card described in this application is accurate as of March 2020. This information\nmay have changed after that date. To find out what may have changed, call us at 1-800-555-5455.\nMilitary Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). These disclosures can be provided to you verbally, toll-free, by calling 1-844-334-3810.\n\n\x0c'


b'Annual Percentage Rate (APR)\nfor Purchases\n\nAPR for Balance Transfers\n\nFNB Smart Cash Credit Card\nINTEREST RATE AND INTEREST CHARGES\n\n0% introductory APR for the first 12 months from date of account opening\nAfter that, your APR will be 14.49%, 18.49% or 22.49% based on your\n\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate.\n0% introductory APR for months from date of account opening when the balance is transferred\nwithin the first 60 days following account opening.\nAfter that, your APR will be 14.49%, 18.49% or 22.49% based on your\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate\n\nAPR for Cash Advances\n\n22.49%\n\nPenalty APR and When It Applies\n\n24.00%\n\nHow to Avoid Paying Interest\non Purchases\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make your payment more than 60 days after the\npayment due date.\nHow Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty\nAPR will apply until you make six consecutive minimum payments when due. If you do not make\nsix consecutive payments when due, the Penalty APR will apply indefinitely.\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Fees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10.00 or 3.0% of the amount of each cash advance, whichever is greater.\nEither $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.\n2.0% of each transaction in U.S. dollars.\n$25.00\n$25.00\n\nHow we will calculate your balance: For Purchases we use a method called \xe2\x80\x9caverage daily balance (excluding new purchases)\xe2\x80\x9d.\nHow we will calculate your variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the\nMoney Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your\nbilling statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day\nof your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a\nhigher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal\nstops publishing the Prime Rate, we will select a similar reference rate.\nPrime Rate: We add 11.24%, 15.24% or 19.24% based on your credit worthiness to the Prime Rate to determine the Purchase/Balance\nTransfer APR. We add 19.24% to the Prime Rate to determine the Cash Advance APR. For example, if the Prime Rate is 4.75% we add\n11.24%, 15.24% or 19.24% to the Prime Rate to determine your Purchase/ Balance Transfer Rate of 15.99%, 19.99% or 23.99%. Likewise,\nif the Prime Rate is 4.75% we add a 19.24% margin to the rate to calculate the Cash Advance APR of 23.99%.\nDiscretionary Fees: You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee \xe2\x80\x93 $10 for using a live representative\nto make a payment via phone; doesn\xe2\x80\x99t apply to payments made via our automated payment system. 2. Overnight Card Fee \xe2\x80\x93 If you request, and\nwe agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery.\nCardholder Agreement: To review a copy of our Cardholder Agreement please visit www.fnb- online.com/creditcard.\n\n\x0cLimitations & Warnings\n\xe2\x80\xa2 You may not use this account, to make a payment on this or any other credit account with us or our affiliates.\n\xe2\x80\xa2 You may not use or permit your account to be used to make any illegal transaction.\n\xe2\x80\xa2 You will only use your account for transactions that are legal where you conduct them. For example, Internet gambling transactions may be\nillegal in your state.\n\xe2\x80\xa2 Display of a payment card logo by an online merchant does not mean that an Internet transaction is legal where you conduct it. We may\ncharge your account for such transactions.\n\xe2\x80\xa2 We will not be liable if you engage in an illegal transaction.\n\xe2\x80\xa2 We may deny authorization of any transactions identified as Internet gambling.\n\xe2\x80\xa2 You may not use your account to conduct transactions in any country or territory or with any individual or entity that is subject to economic\nsanctions administered and enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Assets Control (OFAC). Use of your card in\nthose countries will be blocked.\nOther Discretionary Fees\nIn addition to the other fees previously noted, you may incur the following fees for using this card at your discretion:\nPay By Phone\nFee\n\nOvernight Card\nFee\n\n$10.00 for using a live representative to make a\npayment via telephone; this fee does not apply\nto payments made via our automated telephone\npayment system\nIf you request that we overnight a card to you\nand we agree, a fee for expediting the creation\nand mailing of a card will be assessed to your\novernight delivery on a business day is $50.00\nand is subject to change. Additional fees apply\nfor Saturday delivery\n\nThe information about the costs of the card described in this application is accurate as of March 2020. This information\nmay have changed after that date. To find out what may have changed, call us at 1-800-555-5455.\nMilitary Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). These disclosures can be provided to you verbally, toll-free, by calling 1-844-334-3810.\n\n\x0c'


b'Annual Percentage Rate (APR)\nfor Purchases\n\nAPR for Balance Transfers\n\nFNB Smart Rewards Credit Card\nINTEREST RATE AND INTEREST CHARGES\n\n0% introductory APR for the first 12 months from date of account opening\nAfter that, your APR will be 13.49%, 17.49% or 21.49% based on your\n\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate.\n\n0% introductory APR for months from date of account opening when the balance is transferred\nwithin the first 60 days following account opening.\n\nAfter that, your APR will be 13.49%, 17.49% or 21.49% based on your\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate\nAPR for Cash Advances\n\n22.49%\n\nPenalty APR and When It Applies\n\n24.00%\n\nHow to Avoid Paying Interest\non Purchases\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make your payment more than 60 days after the\npayment due date.\nHow Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty\nAPR will apply until you make six consecutive minimum payments when due. If you do not make\nsix consecutive payments when due, the Penalty APR will apply indefinitely.\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Fees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10.00 or 3.0% of the amount of each cash advance, whichever is greater.\nEither $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.\n2.0% of each transaction in U.S. dollars.\n$25.00\n$25.00\n\nHow we will calculate your balance: For Purchases we use a method called \xe2\x80\x9caverage daily balance (excluding new purchases)\xe2\x80\x9d.\nHow we will calculate your variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the\nMoney Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your\nbilling statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day\nof your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a\nhigher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal\nstops publishing the Prime Rate, we will select a similar reference rate.\nPrime Rate: We add 10.24%, 14.24% or 18.24% based on your credit worthiness to the Prime Rate to determine the Purchase/Balance\nTransfer APR. We add 19.24% to the Prime Rate to determine the Cash Advance APR. For example, if the Prime Rate is 4.75% we add\n10.24%, 14.24% or 18.24% to the Prime Rate to determine your Purchase/ Balance Transfer Rate of 14.99%, 18.99% or 22.99%. Likewise,\nif the Prime Rate is 4.75% we add a 19.24% margin to the rate to calculate the Cash Advance APR of 23.99%.\nDiscretionary Fees: You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee \xe2\x80\x93 $10 for using a live representative\nto make a payment via phone; doesn\xe2\x80\x99t apply to payments made via our automated payment system. 2. Overnight Card Fee \xe2\x80\x93 If you request, and\nwe agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery.\nCardholder Agreement: To review a copy of our Cardholder Agreement please visit www.fnb- online.com/creditcard.\n\n\x0cLimitations & Warnings\n\xe2\x80\xa2 You may not use this account, to make a payment on this or any other credit account with us or our affiliates.\n\xe2\x80\xa2 You may not use or permit your account to be used to make any illegal transaction.\n\xe2\x80\xa2 You will only use your account for transactions that are legal where you conduct them. For example, Internet gambling transactions may be\nillegal in your state.\n\xe2\x80\xa2 Display of a payment card logo by an online merchant does not mean that an Internet transaction is legal where you conduct it. We may\ncharge your account for such transactions.\n\xe2\x80\xa2 We will not be liable if you engage in an illegal transaction.\n\xe2\x80\xa2 We may deny authorization of any transactions identified as Internet gambling.\n\xe2\x80\xa2 You may not use your account to conduct transactions in any country or territory or with any individual or entity that is subject to economic\nsanctions administered and enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Assets Control (OFAC). Use of your card in\nthose countries will be blocked.\nOther Discretionary Fees\nIn addition to the other fees previously noted, you may incur the following fees for using this card at your discretion:\nPay By Phone\nFee\n\nOvernight Card\nFee\n\n$10.00 for using a live representative to make a\npayment via telephone; this fee does not apply\nto payments made via our automated telephone\npayment system\nIf you request that we overnight a card to you\nand we agree, a fee for expediting the creation\nand mailing of a card will be assessed to your\novernight delivery on a business day is $50.00\nand is subject to change. Additional fees apply\nfor Saturday delivery\n\nThe information about the costs of the card described in this application is accurate as of March 2020. This information\nmay have changed after that date. To find out what may have changed, call us at 1-800-555-5455.\nMilitary Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). These disclosures can be provided to you verbally, toll-free, by calling 1-844-334-3810.\n\n\x0c'


b'Annual Percentage Rate (APR)\nfor Purchases\n\nAPR for Balance Transfers\n\nPittsburgh Penguins Cash Back Credit Card\nINTEREST RATE AND INTEREST CHARGES\n\n0% introductory APR for the first 12 months from date of account opening\nAfter that, your APR will be 14.49%, 18.49% or 22.49% based on your\n\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate.\n0% introductory APR for 12 months from date of account opening when the balance is\ntransferred within the first 60 days following account opening.\nAfter that, your APR will be 14.49%, 18.49% or 22.49% based on your\ncreditworthiness\nThis APR will vary with the market based on the Prime Rate\n\nAPR for Cash Advances\n\n22.49%\n\nPenalty APR and When It Applies\n\n24.00%\n\nHow to Avoid Paying Interest\non Purchases\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make your payment more than 60 days after the\npayment due date.\nHow Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty\nAPR will apply until you make six consecutive minimum payments when due. If you do not make\nsix consecutive payments when due, the Penalty APR will apply indefinitely.\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\nIf you are charged periodic interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit card, visit the website\nFinancial Protection Bureau\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nAnnual Fees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Foreign Fees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nFEES\n\nEither $10.00 or 3.0% of the amount of each cash advance, whichever is greater.\nEither $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.\n2.0% of each transaction in U.S. dollars.\n$25.00\n$25.00\n\nHow we will calculate your balance: For Purchases we use a method called \xe2\x80\x9caverage daily balance (excluding new purchases)\xe2\x80\x9d.\nHow we will calculate your variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the\nMoney Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your\nbilling statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day\nof your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a\nhigher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal\nstops publishing the Prime Rate, we will select a similar reference rate.\nPrime Rate: We add 11.24%, 15.24% or 19.24% based on your credit worthiness to the Prime Rate to determine the Purchase/Balance\nTransfer APR. We add 19.24% to the Prime Rate to determine the Cash Advance APR. For example, if the Prime Rate is 4.75% we add\n11.24%, 15.24% or 19.24% to the Prime Rate to determine your Purchase/ Balance Transfer Rate of 15.99%, 19.99% or 23.99%. Likewise,\nif the Prime Rate is 4.75% we add a 19.24% margin to the rate to calculate the Cash Advance APR of 23.99%.\nDiscretionary Fees: You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee \xe2\x80\x93 $10 for using a live representative\nto make a payment via phone; doesn\xe2\x80\x99t apply to payments made via our automated payment system. 2. Overnight Card Fee \xe2\x80\x93 If you request, and\nwe agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery.\nCardholder Agreement: To review a copy of our Cardholder Agreement please visit www.fnb- online.com/creditcard.\n\n\x0cLimitations & Warnings\n\xe2\x80\xa2 You may not use this account, to make a payment on this or any other credit account with us or our affiliates.\n\xe2\x80\xa2 You may not use or permit your account to be used to make any illegal transaction.\n\xe2\x80\xa2 You will only use your account for transactions that are legal where you conduct them. For example, Internet gambling transactions may be\nillegal in your state.\n\xe2\x80\xa2 Display of a payment card logo by an online merchant does not mean that an Internet transaction is legal where you conduct it. We may\ncharge your account for such transactions.\n\xe2\x80\xa2 We will not be liable if you engage in an illegal transaction.\n\xe2\x80\xa2 We may deny authorization of any transactions identified as Internet gambling.\n\xe2\x80\xa2 You may not use your account to conduct transactions in any country or territory or with any individual or entity that is subject to economic\nsanctions administered and enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Assets Control (OFAC). Use of your card in\nthose countries will be blocked.\nOther Discretionary Fees\nIn addition to the other fees previously noted, you may incur the following fees for using this card at your discretion:\nPay By Phone\nFee\n\nOvernight Card\nFee\n\n$10.00 for using a live representative to make a\npayment via telephone; this fee does not apply\nto payments made via our automated telephone\npayment system\nIf you request that we overnight a card to you\nand we agree, a fee for expediting the creation\nand mailing of a card will be assessed to your\novernight delivery on a business day is $50.00\nand is subject to change. Additional fees apply\nfor Saturday delivery\n\nThe information about the costs of the card described in this application is accurate as of March 2020. This information\nmay have changed after that date. To find out what may have changed, call us at 1-800-555-5455.\nMilitary Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). These disclosures can be provided to you verbally, toll-free, by calling 1-844-334-3810.\n\n\x0c'