CREDIT CARD ACCOUNT AGREEMENT 
                               AND FEDERAL DISCLOSURE STATEMENT               
                          THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
                          DISCLOSURE STATEMENTS, PLATINUM MASTERCARD � , PREMIUM WORLD� MASTERCARD � , AND SECURED 
        8805 University Boulevard  PLATINUM MASTERCARD �  AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR 
                          PLATINUM MASTERCARD � , PREMIUM WORLD� MASTERCARD � , AND SECURED PLATINUM MASTERCARD �  
       Moon Township, PA 15108 
                          CREDIT  CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS 
                          AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
                           
    Annual Percentage Rate (APR) 
                          Platinum Mastercard � : ________%  
    For Purchases          
     
                            Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : ________% Introductory APR for 12 billing cycles. 
                            After that Your APR will be ________%.  
                            Your APR will vary with the market based on the Prime Rate. 
                             
                          Secured Platinum Mastercard � : ________%  
                           
                            Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : __________% Introductory APR until March 31, 2022 (for balance 
    For Balance Transfers   transfers obtained January 1, 2021 � March 31, 2021). 
     
                            After that Your APR will be __________%  
                            Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : __________% Introductory APR until March 31, 2022 (for 
                          balance transfers obtained January 1, 2021 � March 31, 2021). 
                            After that Your APR will be __________%  
                            Your APR will vary with the market based on the Prime Rate. 
                             
                          Secured Platinum Mastercard � : __________% Introductory APR until March 31, 2022 (for 
                          balance transfers obtained January 1, 2021 � March 31, 2021). 
                            After that Your APR will be __________%  
                            Your APR will vary with the market based on the Prime Rate. 
                           
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : ________%  
                           
    For Cash Advances 
                            Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : ________%  
                           
                            Your APR will vary with the market based on the Prime Rate. 
                             
                          Secured Platinum Mastercard � : ________%  
                            Your APR will vary with the market based on the Prime Rate. 
                           
    Paying Interest       We will not charge You interest on purchases if You pay Your entire balance owed each 
                          month within 25 days from Your statement closing date. We will begin charging interest on 
                          cash advances and balance transfers on the transaction date. 
                           
    For Credit Card Tips from the  To learn more about factors to consider when applying for or using a Credit Card, 
    Consumer Financial Protection  visit the website of the Consumer Financial Protection Bureau at 
    Bureau                http://www.consumerfinance.gov/learnmore. 
     
    Fees 
                           
    Transaction Fees       
                           
    ?  Balance Transfer   4.00% of each transfer [made January 1, 2021 � March 31, 2021] 
    ?  Cash Advance       3.00% of each advance. 
    ?  Foreign Transaction  Up to 2.00% of each foreign currency transaction in U.S. Dollars. 
                          Up to 2.00% of each U.S. Dollar transaction that occurs in a foreign country. 
    
                       SEE PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 1 of 4                                                            OTBS 016 CC-Variable FRB_WEB CLEA (12/20) 
    Fees (continued) 
                           
    Penalty Fees           
                           
    ?  Late Payment       Up to $35.00  
    ?  Returned Payment   Up to $35.00 
     
   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.  
    
    
    
                       SEE PAGE 1 for more important information about Your Account 
    
    
    
    
    
   DEFINITIONS. In this Agreement, the references to "We," "Us," "Our" and "Credit Union" mean Clearview Federal Credit Union. The words "You" and "Your" mean each person 
   who accepts this Agreement or uses the Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard �  Credit Card(s). The words "Card" and 
   "Credit Card" mean the Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard �  Credit Card issued to You by Us and any duplicates or 
   renewals. "Convenience 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. 
    
   PROMISE TO PAY. You, as the Borrower, under a Credit Card Agreement ("Account"), understand that the following terms and conditions constitute Our Agreement with You. 
   Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, convenience checks, Credit Cards 
   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. 
    
     
                              Variable Rate 
                                                Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                   for Purchases       for Purchases 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                 
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Balance Transfers  for Balance Transfers 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Cash Advances   for Cash Advances 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  Account, We may apply these shares toward the repayment of any amount owed 
   place that it is honored and to get cash advances at participating financial institutions.  on  Your  Secured  Platinum  Mastercard �   Credit  Card.  You  may  cancel  Your 
   You agree not to use Your Card for illegal transactions including, but not limited to,  Secured Platinum Mastercard �  Credit Card at any time by paying any amounts 
   advances made for the purpose of gambling and/or wagering where such practices  owed on such Account. To be certain that Your entire balance and all advances 
   are in violation of applicable state and/or federal law.  are paid, any shares pledged may not be available to You for 30 days after You 
                                             have cancelled and any outstanding balance is paid in full. 
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as   
   security and that there are no other liens against them other than Ours. You agree  LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each 
   to perform all acts which are necessary to make Our security interest in the shares  Credit Card for which You are approved. Unless You are in default, any Credit Limits 
   and/or collateral being pledged enforceable.  established for You will generally be self-replenishing as You make payments.  
                                              
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given  You will keep Your unpaid balance within Your Credit Limit set by Us, and You 
   as security under this Agreement or for any other loan You may have with Us will   understand that We may decline any transaction that would exceed that Credit Limit. 
   secure all amounts You owe Us now and in the future if that status is reflected in the  In addition, You will pay any amount over Your Credit Limit on Our demand whether 
   "Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.  or not We authorize the advances which caused You to exceed Your Credit Limit. 
                                             Even if Your unpaid balance is less than Your Credit Limit, You will have no credit 
   LIEN ON SHARES. You grant and consent to a lien on Your shares with  available during any time that any aspect of Your Account is in default. 
     
   Us (except for IRA and Keogh accounts) and any dividends due or to   
   become due to You from Us to the extent You owe on any unpaid Credit  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   Card balance.                             repayment of any amounts owed. If any Account access device, such as a Personal 
                                             Identification Number (PIN) is requested and approved, You understand that any 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Platinum  such Account access device(s) will be mailed only to the primary Borrower at the 
   Mastercard �  Credit Card, You agree to give Us a specific pledge of shares which  address that We have on file for You. We may refuse to follow any instructions which 
   will equal Your approved Credit Limit. In the event that You default on Your  run counter to this provision. 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 2 of 4                                                            OTBS 016 CC-Variable FRB_WEB CLEA (12/20) 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  at an introductory Monthly Periodic Rate of _____________% (corresponding to an 
   only pay the Minimum Monthly Payments, You understand that You have the right  ANNUAL PERCENTAGE RATE of _____________%) until March 31, 2021. Upon 
   to repay at any time without penalty. You also understand that You will only be  the expiration of the introductory rate, Your entire balance for balance transfers 
   charged periodic Finance Charges to the date You repay Your entire balance. You  that was subject to an Introductory Monthly Periodic Rate will be subject to the 
   may make larger payments without penalty. Any partial payment or prepayment  standard rate described elsewhere in this Agreement. 
   will not delay Your next scheduled payment. All payments to Us must be in lawful   
   money of the United States. Unless instructed otherwise, We may apply each  For Secured Platinum World Mastercard �  Credit Card balance transfer transactions 
   payment to whichever Card We wish. Except as required by law, the order in which  made during the period of January 1, 2021 � March 31, 2021 will accrue finance 
   We may apply payments is at Our discretion.   charges  at  an  introductory  Monthly  Periodic  Rate  of  _____________% 
                                             (corresponding to an ANNUAL PERCENTAGE RATE of _____________%) until 
   Any unpaid portion of the Finance Charge will be paid by subsequent payments and  March 31, 2021. Upon the expiration of the introductory rate, Your entire balance 
   will not be added to Your principal balance. You understand that any delay in the  for balance transfers that was subject to an Introductory Monthly Periodic Rate will 
   repayment of Your unpaid balance will increase Your periodic Finance Charges and  be subject to the standard rate described elsewhere in this Agreement. 
   any acceleration in the repayment of Your unpaid balance will decrease Your   
   periodic Finance Charges.                 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 
   Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  and  Secured  Platinum  Journal  in  effect  on  the  day  that  any  Introductory  Rate  Period  expires,  and 
   Mastercard �  Minimum Payments will be an amount equal to 2.00% of Your new unpaid  subsequently, on the last day of each month of each year ("Index") plus Our Margin. 
   Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  or  Secured  Platinum  The Index plus the Margin equals the Interest Rate. Changes in the Index will cause 
   Mastercard �  balance at the end of each billing cycle, subject to the lesser of $20.00 or  changes in the Interest Rate on the day that any Introductory Rate Period expires, 
   Your balance, plus any portion of the Minimum Payments shown on prior statement(s)  and subsequently, on the first day of the billing cycle immediately following any such 
   which remains unpaid, plus any amount that exceeds Your approved Credit Limit.  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 
   You may, by separate agreement, authorize Us to charge Your payment directly to  regularly scheduled payments. Your Interest Rate will never be greater than 18.00%, 
   Your share or share draft account.        and will apply to Your remaining principal balance.  
                                              
   LATE CHARGE. If Your payment is one or more days late, You will be charged the  PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
   lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge  all transactions on Your Account including amounts paid and borrowed since Your 
   within 6 months of previously incurring a late charge); or (b) the amount of the  last statement. We will mail You a statement each month in which there is a debit or 
   required minimum payment.                 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 
   RETURNED PAYMENT FEE. You will be charged a fee for any check (or other  proceedings against You because You defaulted. Each statement is deemed to be a 
   negotiable instrument used for payment) which is returned unpaid. The fee will be an  correct statement of account unless You establish a billing error pursuant to the 
   amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You have  Federal Truth-In-Lending Act.  
   incurred a returned payment fee within 6 months of previously incurring a returned   
   payment fee); or (b) the required minimum payment amount for the returned payment.  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
                                             obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been 
   with the use of Your Card: (a) $30.00 for each replacement Card that You request  reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
   be provided on an expedited basis; (b) $5.00 for each replacement Personal  postdated Convenience Check is paid and, as a result, any other Convenience Check 
   Identification Number (PIN) that You request; (c) $5.00 for each sales draft or  is returned unpaid, We are not responsible for any resulting loss or liability. 
   statement copy You request; (d) a cash advance fee FINANCE?CHARGE in an   
   amount equal to 3.00% of each advance obtained at a financial institution and/or  DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   ATM; and (e) a balance transfer fee FINANCE?CHARGE in an amount equal to  obligation under this Agreement, or any other agreement that You may have with Us; 
   4.00% of each such transfer.              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 
   FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum  statement in Your credit application and/or in Your representations to Us while You 
   Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � ,  owe money on Your Account; or (d) A judgment or tax lien should be filed against 
   the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  You or any attachment or garnishment should be issued against any of Your property 
   transactions balances outstanding during the month (including new transactions).  or rights, specifically including anyone starting an action or proceeding to seize any 
   To get the average daily balance, We take the beginning balance each day, add any  of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your 
   new  purchases,  cash  advances,  balance  transfers,  insurance  premiums,  debit  ability to repay Your indebtedness hereunder is or soon will be impaired, time being 
   adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  of the very essence.  
   Finance Charges. This gives Us the daily balance. Then, We add up all the daily   
   balances for the billing cycle and divide them by the number of days in the billing  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   cycle. The Finance Charge for a billing cycle is computed by multiplying the average  Your rights under this Agreement, require the return of all access devices and 
   daily balance subject to a Finance Charge by the Monthly Periodic Rate.  declare the entire balance of Your Account immediately due and payable, without 
                                             prior notice or demand.  
   You can avoid Finance Charges on purchases by paying the full amount of the   
   entire balance owed each month within 25 days of Your statement closing date.  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   Otherwise, the new balance of purchases, and subsequent purchases from the  on this Account, and to the extent permitted by law, You agree to pay all court costs, 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  private process server fees, investigation fees or other costs incurred in collection 
   advances and balance transfers are always subject to a Finance Charge from the  and reasonable attorneys� fees incurred in the course of collecting any amounts 
   date of the transaction.                  owed under this Agreement or in the recovery of any collateral. 
                                              
   During the first 12 billing cycles following the date that You establish a Premium  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   World� Mastercard �  Credit Card, Your entire balance for purchases will be subject  We delay enforcing them. We can accept late payments, partial payments or any 
   to a Monthly Periodic Rate of _____________% (corresponding to an ANNUAL  other payments, even if they are marked "paid in full" without losing any of Our rights 
   PERCENTAGE RATE of _____________%). Upon the expiration of the Introductory  under this Agreement. If any provision of this or any related agreement is determined 
   Rate  period,  the  Monthly  Periodic  Rate  applicable  to  Your  entire  balance  of  to be unenforceable or invalid, all other provisions remain in full force and effect. 
   purchases  existing  at  that time and  in the future  will  immediately  increase  to   
   __________% (corresponding ANNUAL PERCENTAGE RATE of _________%).  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
                                             or otherwise have a change of address. 
   For Platinum Mastercard �  Credit Card balance transfer transactions made during   
   the period of January 1, 2021 � March 31, 2021 will accrue finance charges at an  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   introductory  Monthly  Periodic  Rate  of  _____________%  (corresponding  to  an  delivering to You written notice of the changes as prescribed by the Federal Truth-
   ANNUAL PERCENTAGE RATE of _____________%) until March 31, 2021. Upon  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   the expiration of the introductory rate, Your entire balance for balance transfers  Agreement includes, but is not limited to, the right to change the periodic rate 
   that was subject to an Introductory Monthly Periodic Rate will be subject to the  applicable to Your unpaid balance and/or future advances. 
   standard rate described elsewhere in this Agreement.   
                                             INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your 
   For Premium World Mastercard �  Credit Card balance transfer transactions made  Account, and is delivered together with this Agreement or at a later date becomes 
   during the period of January 1, 2021 � March 31, 2021 will accrue finance charges  an integrated part of this Agreement and Disclosure. 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 3 of 4                                                            OTBS 016 CC-Variable FRB_WEB CLEA (12/20) 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.  What To Do If You Find A Mistake On Your Statement 
   By signing the application; or by using Your Account or any Account access device;   
   or by authorizing another to use Your Account, You agree to and accept its terms.  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: 
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts   
   to update information contained in Your original Account application or other financial  �  Account information: Your name and Account number. 
   information related to You, at Our request. You also agree that We may, from time  �  Dollar amount: The dollar amount of the suspected error. 
   to time, as We deem necessary, make inquiries pertaining to Your employment,  �  Description of problem: If You think there is an error on Your bill, describe 
   credit standing and financial responsibility in accordance with applicable laws and    what  You believe is wrong and why You believe it is a mistake.  
   regulations. You further agree that We may give information about the status and   
   payment history of Your Account to consumer credit reporting agencies, a prospective  You must contact Us: 
   employer or insurer, or a state or federal licensing agency having any apparent   
   legitimate business need for such information.   �  Within 60 days after the error appeared on Your statement. 
                                             �  At least 3 business days before an automated payment is scheduled, if You 
   TERMINATION. Either You or We may cancel Your Account or any particular Credit Card    want  to stop payment on the amount You think is wrong.  
   of 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 Your Account.  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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  amount in question.  
   Commonwealth of Pennsylvania except to the extent that such laws are inconsistent   
   with controlling federal law.                    What Will Happen After We Receive Your Letter 
                                              
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  When We receive Your letter, We must do two things: 
   time without notice. You agree to surrender Your Card and to discontinue its use  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   immediately upon Our request.               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 
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon    explain to You why We believe the bill is correct. 
   Your request, a Personal Identification Number (PIN) for use with participating   
   ATMs. This PIN is confidential and should not be disclosed to anyone. You may  While We investigate whether or not there has been an error: 
   use Your PIN to access Your Account and all sums advanced will be added to   
   Your balance. In the event a use of Your PIN constitutes an Electronic Fund  �  We cannot try to collect the amount in question, or report You as delinquent 
   Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement    on that amount. 
   may also affect Your rights.              �  The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  �  While You do not have to pay the amount in question, You are responsible for 
   slips You may sign or receive when using Your Card contain terms, this Agreement    the remainder of Your balance. 
   is the contract which solely applies to all transactions involving the Card.  �  We can apply any unpaid amount against Your Credit Limit. 
                                              
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  After We finish Our investigation, one of two things will happen: 
   You will not be liable for the unauthorized use that occurs after You notify Us of the   
   loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing  �  If We made a mistake: You will not have to pay the amount in question or any 
   to Us at the address shown in this Agreement. In any case, Your liability will not    interest or other fees related to that amount. 
   exceed $50.00.                            �  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 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable    statement of the amount You owe and the date payment is due. We may 
   for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to     then  report You as delinquent if You do not pay the amount We think You owe.  
   accept the Cards or Convenience Checks, or electronic terminals to honor the   
   Cards or complete a Card withdrawal, or for their retention of the Cards or  If You receive Our explanation but still believe Your bill is wrong, You must write to 
   Convenience Checks.                       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. 
   FOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD� MASTERCARD � ).  We must tell You the name of anyone to whom We reported You as delinquent, and 
   For transactions initiated in foreign currencies, the exchange rate between the  We must let those organizations know when the matter has been settled between 
   transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected  Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
   by Mastercard from the range of rates available in wholesale currency markets for  of the amount You question even if Your bill is correct. 
   the applicable central processing date, which rate may vary from the rate Mastercard   
   itself receives; or (b) the government-mandated rate in effect for the applicable  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   central processing date. For transactions initiated in a foreign currency, and for   
   transactions occurring in foreign countries and initiated in U.S. Dollars, You will be  If You are dissatisfied with the goods or services that You have purchased with Your 
   charged 2.00% of the final settlement amount.  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 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  purchase. To use this right, all of the following must be true: 
   electronic terminal or financial institution at which transactions were made, but sales,   
   cash advances, credit or other slips cannot be returned with the statement.  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 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards    more than $50.00. (Note: Neither of these are necessary if Your purchase 
   or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to    was based on an advertisement We mailed to You, or if We own the company 
   Us at the address shown in this Agreement.     that sold You the goods or services.) 
                                             2)  You must have used Your Credit Card for the purchase. Purchases made with 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or    cash advances from an ATM or with a check that accesses Your Credit Card 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.    account do not qualify. 
   If Your credits and payments exceed what You owe Us, We will hold and apply this  3)  You must not yet have fully paid for the purchase.  
   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.  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.  
        Your Billing Rights: Keep this Document for Future Use   
                                             While We investigate, the same rules apply to the disputed amount as discussed above. 
   This notice tells You about Your rights and Our responsibilities under the Fair  After We finish Our investigation, We will tell You Our decision. At that point, if We think 
   Credit Billing Act.                       You owe an amount and You do not pay, We may report You as delinquent.
    
     
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 4 of 4                                                            OTBS 016 CC-Variable FRB_WEB CLEA (12/20) 
    
                                  PRICING INFORMATION ADDENDUM �  
                                  CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT              
                         
                          THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR PLATINUM MASTERCARD � , 
     
                          PREMIUM WORLD� MASTERCARD � , AND SECURED PLATINUM MASTERCARD �  CREDIT CARD AGREEMENT 
        8805 University Boulevard 
                          AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY 
        Moon Township, PA 15108  PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
     
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at the 
    For Purchases         time You establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 0.00% Introductory APR for 12 billing cycles. 
                          After that Your APR will be 12.25% - 18.00% based on Your creditworthiness at 
                          the time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at 
                          the time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 0.00% Introductory APR until March 31, 2022 (for balance transfers 
    For Balance Transfers   obtained January 1, 2021 � March 31, 2021). 
     
                             After that Your APR will be 9.24% - 18.00% based on Your credit worthiness at the 
                             time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 0.00% Introductory APR until March 31, 2022 (for balance 
                          transfers obtained January 1, 2021 � March 31, 2021). 
                             After that Your APR will be 12.25% - 18.00% based on Your credit worthiness at the 
                             time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Secured Platinum Mastercard � : 0.00% Introductory APR until March 31, 2022 (for balance 
                          transfers obtained January 1, 2021 � March 31, 2021). 
                             After that Your APR will be 9.24% - 18.00% based on Your credit worthiness at the 
                             time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                              
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at the time You 
    For Cash Advances     establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 12.25% - 18.00% based on Your creditworthiness at the 
                          time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Secured Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at the time 
                          You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
    Paying Interest       We will not charge You interest on purchases if You pay Your entire balance owed each 
                          month within 25 days from Your statement closing date. We will begin charging interest on 
                          cash advances and balance transfers on the transaction date. 
     
     Fees 
                           
     Transaction Fees      
                           
     ?  Balance Transfer  4.00% of each transfer [made January 1, 2021 � March 31, 2021] 
     ?  Cash Advance      3.00% of each advance. 
     ?  Foreign Transaction  Up to 2.00% of each foreign currency transaction in U.S. Dollars. 
                          Up to 2.00% of each U.S. Dollar transaction that occurs in a foreign country. 
    
                       SEE PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.   Page 1 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (12/20) 
    
     Fees (continued) 
                           
     Penalty Fees          
                           
     ?  Late Payment      Up to $35.00  
     ?  Returned Payment  Up to $35.00 
       
    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.  
    
                       SEE PAGE 1 for more important information about Your Account 
    
    
    FINANCE CHARGES. In the case of any transactions under Your Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � , Credit Card, 
    the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average 
    daily balance, We take the beginning balance each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges 
    and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them 
    by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the 
    Monthly Periodic Rate. 
     
    You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. 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. Cash advances and balance 
    transfers are always subject to a Finance Charge from the date of the transaction. 
     
    For Premium World� Mastercard� purchase transactions, during the first 12 billing cycles following the date that You establish a Premium World� Mastercard� Credit Card, 
    Your entire balance for purchases will be subject to a Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of 
    the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to 
    1.0208% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balance 
    transfer transactions made during the period of January 1, 2021 through March 31, 2021 will accrue finance charges at an Introductory Monthly Periodic Rate of 0.0000% 
    (corresponding ANNUAL PERCENTAGE RATE 0.0000%) until March 31, 2022. Upon the expiration of the Introductory Rate period, Your entire balance of balance transfer 
    transactions existing at that time and in the future will immediately increase to 1.0208% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based 
    on Your creditworthiness at the time You establish Your Account. Balances for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 1.0208% - 1.5000% 
    (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 
     
    For Platinum Mastercard�, balance transfer transactions made during the period of January 1, 2021 through March 31, 2021 will accrue finance charges at an Introductory 
    Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%) until March 31, 2022. Upon the expiration of the Introductory Rate period, Your 
    entire balance of balance transfer transactions existing at that time and in the future will immediately increase to 0.7700% - 1.500% (corresponding ANNUAL PERCENTAGE 
    RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balances for purchases and cash advances will accrue Finance Charges 
    at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish 
    Your Account. 
     
    For Secured Platinum Mastercard�, balance transfer transactions made during the period of January 1, 2021 through March 31, 2021 will accrue finance charges at an 
    Introductory Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%) until March 31, 2022. Upon the expiration of the Introductory Rate 
    period, Your entire balance of balance transfer transactions existing at that time and in the future will immediately increase to 0.7700% - 1.500% (corresponding ANNUAL 
    PERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balances for purchases and cash advances will accrue 
    Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), 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 day that any Introductory Rate Period expires, and subsequently, on the last day of each month of each year ("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 day that any Introductory Rate Period expires, and subsequently, on the 
    first day of the billing cycle immediately following 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.  
    
    For Premium World� Mastercard � , the Margin will be 9.00% - 15.00% depending on Your creditworthiness. For Platinum Mastercard �  and Secured Platinum Mastercard � , 
    the Margin will be 5.99% - 14.75%, depending on Your creditworthiness.  
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.   Page 2 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (12/20)