2141 Downyflake Lane
Allentown, PA 18103
610.797.7440
800.446.5598
www.peoplefirstcu.org

Interest Rate and Interest Charges

CREDIT CARD ACCOUNT AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY
FEDERAL
SPECIAL
INSTRUCTIONS REGARDING THE USE OF ANY ACCOUNT ACCESS DEVICE. PLEASE READ
THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

TRUTH-IN-LENDING

STATEMENTS

DISCLOSURE

AND

ANY

Annual Percentage Rate (APR)
For Purchases

VISA Platinum _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market
based on the Prime Rate.

VISA Platinum Plus _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market
based on the Prime Rate.

Annual Percentage Rate (APR)
For Balance Transfers

VISA Platinum _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market based on
the Prime Rate.

VISA Platinum Plus _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market based on
the Prime Rate.

Annual Percentage Rate (APR)
For Cash Advances

VISA Platinum _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market based on
the Prime Rate.

Paying Interest

VISA Platinum Plus _______% Introductory APR for 6 months.

After that, Your APR will be _______%. This APR will vary with the market based on
the Prime Rate.

Your due date is at least 27 days after the close of each billing cycle. We will not
charge You interest on purchases if You pay Your entire balance owed each month by
Your payment's due date. We will begin charging interest on cash advances and
balance transfers on the transaction date.

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 Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
.

Foreign Transaction Fee

1.00% of each foreign currency transaction in U.S. dollars.
0.80% of each U.S. Dollar transaction that occurs in foreign country.

Penalty Fees
.
.

Returned Payment
Late Payment

Up to $30.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See
Your Account Agreement for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your
Account Agreement.

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

Page 1 of 4

OTBS 016CC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean People First Federal Credit Union. The words "You" and "Your"
mean each person who accepts this Agreement or uses the VISA Platinum or VISA Platinum Plus Credit Cards. "Account" means the VISA Platinum or VISA
Platinum Plus Credit Card Account established for You. The words "Credit Card" or "Card" mean any VISA Platinum or VISA Platinum Plus Credit Cards issued
to You by Us and any duplicates and renewals. "Letter Checks" mean the special Account access devices that We may provide for Your use from time to time.
If this is a joint account, read singular pronouns in the plural.

Credit
Card Type

Variable Rate

Index

Margin

Monthly
Periodic
Rate

VISA Platinum

VISA Platinum Plus

___________

___________

___________%

___________

___________

___________%

Annual
Percentage
Rate

___________%

___________%

PROMISE TO PAY. Your Account may be accessible through a variety of
means which could include advance request forms, vouchers, checks, charge
slips, Credit Cards, Letter Checks and the like. Regardless of the access
means, You promise to pay Us all amounts charged to Your Account by You
or by any user who has access to Your Account, with actual, apparent or
implied authority for use of Your Account, including Finance Charges and
other fees or charges described herein.

JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally,
for the repayment of amounts owed. You understand that any Card which is
requested and approved, will be mailed only to the primary Cardholder at the
address that We have on file for You. We may refuse to follow any
instructions which run counter to this provision.

OWNERSHIP. All access devices remain Our property and may be cancelled
by Us at any time without notice. You agree to surrender any such access
device and to discontinue its use immediately upon Our request.

institution.

USE OF YOUR CARD. You may use Your Card to buy goods and services in
any place that it is honored and to get cash advances from Us or another
it will be
financial
imprinted with Your Card and You will receive a copy of the draft. You agree
not to use Your Card for transactions involving Internet gambling and/or
wagering of any type and/or for transactions prohibited by state and/or
federal law.

If You are issued a cash advance draft,

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will
issue You a
Identification Number (PIN) for use with Your Card. This PIN is
Personal
confidential and should not be disclosed to anyone. You may use Your PIN
and Your Card to access Your Account and all sums advanced will be added
to Your Account balance. In the event a use of Your PIN constitutes an
Electronic Fund Transfer, the terms and conditions of Your Electronic Fund
Transfer Agreement may affect Your rights.

LINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be
notified of Your specific Credit Limit for transactions made under Your
Account. Unless You are in default, the Credit Limit established for You will
be self-replenishing as You make payments on Your Account. You will keep
Your unpaid balance within the Credit Limit set by Us, and You will pay any
amount over Your Credit Limit on Our demand whether or not We authorize
the advance which caused You to exceed Your Credit Limit. Even if Your
unpaid balance is less than Your Credit Limit, You will have no credit available
during any time that any aspect of Your Account is in default.

FINANCE CHARGES. In the case of any transactions on Your Account, the
to the periodic Finance Charge are the average daily
balances subject
transactions balances outstanding during the month (including new
transactions). Separate average daily balances are calculated for purchases,
balance transfers and cash advances (including Letter Checks).

To get the average daily balance for purchases, We take the beginning
balance for purchases each day, add any new purchases, debit adjustments
or other charges and subtract any payments, credits and unpaid Finance
Charges. This gives Us the daily balance for purchases. Then, We add up all
the daily balances for purchases during the billing cycle and divide them by
the number of days in the billing cycle. This gives Us the average daily
transactions balances for purchases. To get the average daily balance for
balance transfers, We take the beginning balance for balance transfers each
day, add any new balance transfers, debit adjustments or other charges and
subtract any payments, credits and unpaid Finance Charges. This gives Us
the daily balance for balance
transfers. Then, We add up all the daily
balances for balance transfers during the billing cycle and divide them by the
number of days in the billing cycle. This gives Us the average daily
transactions balances for balance transfers. To get the average daily balance
for cash advances (including Letter Checks), We take the beginning balance
for cash advances and Letter Checks each day, add any new cash advances
and Letter Checks, debit adjustments or other charges and subtract any
payments, credits and unpaid Finance Charges. This gives Us the daily
balance for cash advances (including Letter Checks). Then, We add up all the
daily balances for cash advances (including Letter Checks) during the billing
cycle and divide them by the number of days in the billing cycle. This gives

Us the average daily transactions balances for cash advances (including
Letter Checks). The Finance Charge for a billing cycle is computed by
the average daily balances subject to a Finance
multiplying each of
Charge by the applicable Monthly Periodic Rate. The sum of these
separate Finance Charge calculations is the Finance Charge you owe for
that billing cycle.

Your payment due date is at least 27 days after the close of each billing
cycle. You can avoid Finance Charges on purchases each month by
paying the full amount of the entire balance owed by the payment due
date reflected in Your periodic statement.

Otherwise, the new balance of purchases, and subsequent purchases
from the date they are posted to Your Account, will be subject to a
Finance Charge. Balance Transfers and cash advances (including Letter
Checks) are always subject to a Finance Charge from the later of the
date they are posted to Your Account or from the first day of the billing
cycle in which the cash advance is posted to Your Account.

Transactions will accrue finance charges at an introductory Monthly
Periodic Rate of _______________% (corresponding to an ANNUAL
PERCENTAGE RATE of _______________%) through the first 6 billing cycles
following the date that Your Account is established (i.e. 6 months). Upon the
expiration of the introductory rate period, the entire balance of transactions
existing at that time and in the future will be subject to the non-introductory
Monthly Periodic Rate and its corresponding Annual Percentage Rate
described elsewhere in this Agreement.

VARIABLE RATE. All advances are subject to a Variable Rate which is based
on the highest Prime Rate as published in the Money Rates section of The
Wall Street Journal in effect on the last business day of each calendar month
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate.
Changes in the Index will cause changes in the Interest Rate on the first day
of the billing cycle that immediately follows any such change in the Index.
Increases or decreases in the Interest Rate will cause like increases or
decreases in the Finance Charge and will affect the number of Your regularly
scheduled payments. Your Interest Rate will never be greater than 18.00%
and will apply to Your remaining principal balance.

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum
Monthly Payments, You understand that You have the right to repay Your
Account or make larger payments at any time without penalty. You will only
be charged periodic Finance Charges to the date You repay Your entire
Account balance. Any partial payment or prepayment of Your Account will
not delay Your next scheduled payment. All payments to Us must be in lawful
money of the United States. Your Periodic Statement will include instructions
on where to send Your Minimum Monthly Payment. Payments sent by You to
an address other than that which appears on Your statement may be subject
to a delay in crediting to Your Account for up to five days after We receive
Your payment.

Payments will be applied in the following order: (a) any Finance Charges due
for Your balance for balance transfers; (b) any Finance Charges due for Your
balance for cash advances; (c) any Finance Charges due for Your balance for
purchases; (d) any Fees and Charges owing; (e) Your balance for balance
transfers; (f) Your balance for cash advances; and then to (g) Your balance
for purchases. Any amounts received in excess of Your required Minimum
Monthly Payment will be applied as required by applicable law.

Any unpaid portion of any Finance Charges and Late Charges will be paid by
subsequent payments and will not be added to the principal. You understand
that any payment that delays the repayment of Your unpaid balance will
increase Your Finance Charge and any payment that accelerates the reduction
of Your unpaid balance will decrease Your Finance Charges.

Minimum Monthly Payments for VISA Platinum, and VISA Platinum Plus will
be an amount equal to 2.00% of Your unpaid VISA Platinum or VISA
Platinum Plus Account balance; subject to the lesser of $10.00 or Your
balance. In addition to the Minimum Monthly Payment, You will also be
required to pay any prior payments due which remain unpaid and any
amounts which exceed Your Credit Limit.

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

Page 2 of 4

OTBS 016CC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)

CONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on
Your shares or other deposit accounts with Us (other than those deposits
established under a governmental-approved tax deferral plan such as an IRA
or Keogh account) and any dividends due or to become due to You from Us
to the extent You owe on any unpaid Credit Card balance.

OTHER SECURITY. Collateral (other than household goods or any dwelling)
given as security under this Agreement or for any other loan You may have
with Us will secure all amounts You owe Us now and in the future if that
status is reflected in the "Truth-in-Lending Disclosure" in any particular
Agreement evidencing such debt.

or any related agreement is determined to be unenforceable or invalid, all
other provisions remain in full force and effect.

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your
Account. You will not be liable for the unauthorized use that occurs after You
notify Us orally and in writing at the address or telephone number shown in
this Agreement, of the loss, theft, or possible unauthorized use. In any case,
Your liability will not exceed $50.00.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You
move or otherwise have a change of address.

transactions on Your Account

PERIODIC STATEMENT. On a regular basis, You will receive a statement
including amounts paid and
showing all
borrowed since Your last statement. We will mail You a statement each
billing cycle in which there is a debit or credit balance or when a Finance
Charge is imposed. We need not send You a statement if We feel Your
Account is uncollectible or if We have started collection proceedings against
You because You defaulted. Each statement is deemed to be a correct
statement of account unless You establish a billing error pursuant to the
Federal Truth-In-Lending Act.

OUR RESPONSIBILITIES TO HONOR LETTER CHECKS. We are under no
obligation to honor Your Letter Checks if: (1) by paying a Letter Check, You
would exceed Your Credit Limit; (2) Your Cards or Letter Checks have been
reported lost or stolen; (3) Your Account has been cancelled or has expired;
or (4) a Letter Check is used for payment on this or any other loan Account
with Us. If a postdated Letter Check is paid and, as a result, any other
Letter Check is returned unpaid, We are not responsible for any resulting loss
or liability.

TRANSACTION SLIPS. Your periodic statement will
identify the merchant,
institution at which transactions were made,
electronic terminal or financial
but sales, cash advances, credit or other slips will not be returned with the
statement. You will retain the copy of such slips furnished at the time of the
transaction in order to verify Your monthly statement.

CREDITS. If a merchant who honors Your Card gives You credit for returns or
adjustments, the merchant will do so by sending Us a slip which will be
posted to Your Account. If Your credits and payments exceed what You owe
Us, We will hold and apply this credit against future purchases and cash
advances, or if it is $1.00 or more, refund it on Your written request or
automatically deposit it to Your Share Account after six months.

LATE CHARGE. If Your payment is not received by the payment due date,
You will be charged the lesser of: (a) the amount of the minimum payment
due; or (b) $25.00.

OTHER FEES AND CHARGES. You agree to pay Us the following fees and
charges associated with the use of Your Card which will be charged to Your
Account as purchases: (a) the lesser of $30.00 or the required minimum
payment amount for any check (or other negotiable instrument) used for
payment on Your Account that is returned unpaid; and (b) $15.00 for any
Letter Check on which You request Us to stop payment.

DEFAULT. You will be in default if: (a) You do not make any payment or
perform any obligation under this Agreement, or any other agreement that
You may have with Us; or (b) You should die, become involved in any
insolvency, receivership or custodial proceeding brought by or against You; or
(c) You have made a false or misleading statement in Your credit application
and/or in Your representations to Us while You owe money on Your Account;
or (d) A judgment or tax lien should be filed against You or any attachment or
garnishment should be issued against any of Your property or
rights,
specifically including anyone starting an action or proceeding to seize any of
Your funds on deposit with Us; and/or (e) We should, in good faith, believe
Your ability to repay Your indebtedness hereunder is or soon will be impaired,
time being of the very essence.

If You are in default, We may, without notice or demand, and to extent
permitted by law, cancel Your rights under this Agreement, declare the entire
unpaid balance immediately due and payable and require the return of all
Cards and other Account Access devices.

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us
for all of Our costs and expenses,
including reasonable attorneys' fees
incurred in the course of collecting any amounts owed under this Agreement
or for the recovery of any collateral.

CREDIT INSURANCE. Credit insurance is not required for any extension of
credit under
this Agreement. However, You may purchase any credit
insurance available through Us and have the premiums added to the
outstanding balance of Your Account. If You elect to do so, You will be given
the necessary disclosures and documents separately. Any credit insurance
premiums will be charged to Your Account as a purchase.

ENFORCEMENT. We do not
this or any related
agreement if We delay enforcing them. We can accept late payments, partial
payments, or any other payments, even if they are marked "paid in full,"
without losing any of Our rights under this Agreement. If any provision of this

rights under

lose Our

CHANGE IN TERMS. We may change the terms of this Agreement by
mailing or delivering to You written notice of the changes as prescribed by
the Federal Truth-In-Lending Act. To the extent permitted by law, the right
to change the terms of this Agreement includes, but is not limited to, the
right to change the periodic rate applicable to Your unpaid balance and/or
future advances.

REFUSAL TO HONOR CARDS OR LETTER CHECKS. We are not liable for
the refusal or inability of merchants, financial
institutions and others to
accept the Cards or Letter Checks, or electronic terminals to honor the
Cards or complete a Card withdrawal, or for their retention of the Cards or
Letter Checks.

LOST OR STOLEN CARDS, ACCOUNT NUMBERS AND/OR LETTER CHECKS.
To report a lost or stolen Card, Letter Check or Account Number, You will
immediately call (800) 325-3678. You may also write to the Credit Card
Security Department, P.O. Box 24747, Tampa, FL 33623-4747.

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and
foreign currencies, the exchange rate between the transaction currency and
the billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the
range of rates available in wholesale currency markets for the applicable
central processing date, which rate may vary from the rate VISA itself
receives; or (b) the government-mandated rate in effect for the applicable
central processing date. For
transactions that are initiated in a foreign
currency, You will be charged 1.00% of the final settlement amount. For
transactions occurring in foreign countries and initiated in U.S. Dollars, You
will be charged 0.80% of the final settlement amount.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
other slips You may sign or receive when using the Card contain terms, this
Agreement is the contract which solely applies to all transactions involving
Your Account.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
Agreement. By signing the Application and Your Credit Card, by using the
Card, by using Your Account or by authorizing another to use Your Account,
You agree to accept its terms.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act" which is delivered to You and
relates to this Agreement
this Agreement
and Disclosure.

is an integrated part of

to update personal

information or other

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
information
facts
related to You, at Our request. You also agree that We may, from time
to time, as We deem necessary, make inquiries pertaining to Your
employment, credit standing and financial responsibility in accordance with
applicable laws and regulations. You further agree that We may give
information about
to
consumer credit reporting agencies, a prospective employer or insurer, or a
state or federal licensing agency having any apparent legitimate business need
for such information.

the status and payment history of Your Account

financial

TERMINATION. Subject to applicable law, either You or We may cancel
Your Account at any time whether or not You are in default. You will, in
any case, remain liable to pay any unpaid balances according to the terms of
this Agreement.

GOVERNING LAW. This Agreement is controlled and governed by the laws of
the Commonwealth of Pennsylvania except to the extent that such laws are
inconsistent with controlling federal law.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at Our address
shown in this Agreement. In Your letter, give us the following information:
.
.
.

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

Page 3 of 4

OTBS 016CC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)

what You believe is wrong and why You believe it is a mistake.

You must contact Us:
.
.

Within 60 days after the error appeared on Your statement.
At least three business days before an automated payment is scheduled, if
You want to stop payment on the amount You think is wrong.

You must notify Us of any potential errors in writing. You may call Us, but if
You do We are not required to investigate any potential errors and You may
have to pay the amount in question.

then report You as delinquent if You do not pay the amount We think
You owe.

If You receive Our explanation but still believe Your bill is wrong, You must
write to Us within 10 days telling Us that You still refuse to pay. If You do
so, We cannot report You as delinquent without also reporting that You are
questioning Your bill. We must tell You the name of anyone to whom we
reported You as delinquent, and We must let those organizations know when
the matter has been settled between Us. If We do not follow all of the rules
above, You do not have to pay the first $50.00 of the amount You question
even if Your bill is correct.

What Will Happen After We Receive Your Letter

When We receive Your letter, We must do two things:

1) Within 30 days of receiving Your letter, We must tell You that We received
Your letter. We will also tell You if We have already corrected the error.
2) Within 90 days of receiving Your letter, We must either correct the error

or explain to You why We believe the bill is correct.

While We investigate whether or not there has been an error:
.
.
.
.

We cannot try to collect the amount in question, or
delinquent on that amount.
The charge in question may remain on Your statement, and We may
continue to charge You interest on that amount.
While You do not have to pay the amount in question, You are responsible
for the remainder of Your balance.
We can apply any unpaid amount against Your Credit Limit.

report You as

Your Rights If You Are Dissatisfied
With Your Credit Card Purchases

If You are dissatisfied with the goods or services that You have purchased
with Your Credit Card, and You have tried in good faith to correct the
problem with the merchant, You may have the right not to pay the remaining
amount due on the purchase. To use this right, all of the following must
be true:

1) The purchase must have been made in Your home state or within 100
miles of Your current mailing address, and the purchase price must have
been more than $50.00. (Note: Neither of these are necessary if Your
purchase was based on an advertisement We mailed to You, or if We own
the company that sold You the goods or services.)

2) You must have used Your Credit Card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses Your
Credit Card account do not qualify.

3) You must not yet have fully paid for the purchase.

After We finish Our investigation, one of two things will happen:
.
.

If We made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If We do not believe there was a mistake: You will have to pay the amount
in question, along with applicable interest and fees. We will send You a
statement of the amount You owe and the date payment is due. We may

If all of the criteria above are met and You are still dissatisfied with the
purchase, contact Us in writing at Our address shown in this Agreement.

While We investigate, the same rules apply to the disputed amount as
discussed above. After We finish Our investigation, We will tell You Our
decision. At that point, if We think You owe an amount and You do not pay,
We may report You as delinquent.

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

Page 4 of 4

OTBS 016CC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)

2141 Downyflake Lane
Allentown, PA 18103
610.797.7440
800.446.5598
www.peoplefirstcu.org

PRICING INFORMATION ADDENDUM - CREDIT
CARD ACCOUNT AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA
PLATINUM AND VISA PLATINUM PLUS CREDIT CARD AGREEMENT AND DISCLOSURE.
PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF
ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR)
For Purchases

VISA Platinum 2.90% Introductory APR for 6 months.

After that, Your APR will be 9.15% - 18.00%, based on Your
creditworthiness at the time You establish Your Account. This APR will vary with the
market based on the Prime Rate.

VISA Platinum Plus 2.90% Introductory APR for 6 months.

After that, Your APR will be 10.15% - 13.15%, based on Your
creditworthiness at the time You establish Your Account. This APR will vary with the
market based on the Prime Rate.

Annual Percentage Rate (APR)
For Balance Transfers

VISA Platinum 2.90% Introductory APR for 6 months.

After that, Your APR will be 9.15% - 18.00%, based on Your creditworthiness at
the time You establish Your Account. This APR will vary with the market based on
the Prime Rate.

VISA Platinum Plus 2.90% Introductory APR for 6 months.

After that, Your APR will be 10.15% - 13.15%, based on Your creditworthiness at
the time You establish Your Account. This APR will vary with the market based on
the Prime Rate.

Annual Percentage Rate (APR)
For Cash Advances

VISA Platinum 2.90% Introductory APR for 6 months.

After that, Your APR will be 9.15% - 18.00%, based on Your creditworthiness at
the time You establish Your Account. This APR will vary with the market based on
the Prime Rate.

Paying Interest

VISA Platinum Plus 2.90% Introductory APR for 6 months.

After that, Your APR will be 10.15% - 13.15%, based on Your creditworthiness at
the time You establish Your Account. This APR will vary with the market based on
the Prime Rate.

Your due date is at least 27 days after the close of each billing cycle. We will not
charge You interest on purchases if You pay Your entire balance owed each month by
Your payment's due date. We will begin charging interest on cash advances and
balance transfers on the transaction date.

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 Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
.

Foreign Transaction Fee

1.00% of each foreign currency transaction in U.S. dollars.
0.80% of each U.S. Dollar transaction that occurs in foreign country.

Penalty Fees
.
.

Returned Payment
Late Payment

Up to $30.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See
Your Account Agreement for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your
Account Agreement.

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

Page 1 of 2

OTBS 016ACC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions
balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash
advances (including Letter Checks).

To get the average daily balance for purchases, We take the beginning balance for purchases each day, add any new purchases, debit adjustments or other charges
and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily balances for
purchases during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To
get the average daily balance for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments
or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the
daily balances for balance transfers during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions
balances for balance transfers. To get the average daily balance for cash advances (including Letter Checks), We take the beginning balance for cash advances and
Letter Checks each day, add any new cash advances and Letter Checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance
Charges. This gives Us the daily balance for cash advances (including Letter Checks). Then, We add up all the daily balances for cash advances (including Letter
Checks) during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for cash advances
(including Letter Checks). The Finance Charge for a billing cycle is computed by multiplying each of the average daily balances subject to a Finance Charge by the
applicable Monthly Periodic Rate. The sum of these separate Finance Charge calculations is the Finance Charge you owe for that billing cycle.

Your payment due date is at least 27 days after the close of each billing cycle. You can avoid Finance Charges on purchases each month by paying the full amount of
the entire balance owed by the payment due date reflected in Your periodic statement.

Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance
Transfers and cash advances (including Letter Checks) are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the
first day of the billing cycle in which the cash advance is posted to Your Account.

Transactions will accrue finance charges at an introductory Monthly Periodic Rate of 0.2417% (corresponding to an ANNUAL PERCENTAGE RATE of 2.90%)
through the first 6 billing cycles following the date that Your Account is established (i.e. 6 months). Upon the expiration of the introductory rate period, the entire
balance of transactions existing at that time and in the future will be subject to the non-introductory Monthly Periodic Rate and its corresponding Annual Percentage
Rate described elsewhere in this Agreement.

The Monthly Periodic Rate that will apply to Your VISA Platinum Account is 0.7625% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 9.15% - 18.00%),
based on Your creditworthiness at the time You establish Your Account.

The Monthly Periodic Rate that will apply to Your VISA Platinum Plus Account is 0.8459% - 1.0959% (corresponding ANNUAL PERCENTAGE RATE of 10.15% -
13.15%), based on Your creditworthiness at the time You establish Your Account.

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street
Journal in effect on the last business day of each calendar month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the
Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the
Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will
never be greater than 18.00% and will apply to Your remaining principal balance.

The Margin that will apply to Your VISA Platinum Account is 5.65% - 14.65%, based on Your creditworthiness at the time You establish Your Account.

The Margin that will apply to Your VISA Platinum Plus Account is 6.65% - 9.65%, based on Your creditworthiness at the time You establish Your Account.

Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.

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OTBS 016ACC Intro FRB_WEB PEOP (12/15)
Rev. (12/15)