CONSUMER 
          r ~                                  CREDIT CARD 
           First 
                                                AGREEMENT 
        Commonwealth   257 Brodh ead Rd . 
                                                                 VISA 
            Federa l Credit Un ion  Bethlehem , PA 18017-8938  AND 
                                                DISCLOSURE 
                                                           EMPOWER VISA SIGNATURE 
                                                        PLATINUM/PLATINUM SECURED 
                                                                PLATINUM REWARDS 
        This Consumer Credit Card Agreement and  Disclosure together with  the Account Opening Disclosure and any other 
        Account  opening  documents  or  any  subsequent  documents  provided  to  You  related  to  this  Account  (hereinafter 
        collectively referred to as "Agreement") govern the terms and conditions of this Account. "We," "Us," "Our" and "Ours" and 
        "Credit Union" refers to First Commonwealth Federal Credit Union with which this Agreement is made. "You," "Your," and 
        "Yours" refers to each applicant and co-applicant for the Account; any person responsible for paying the Account;  and 
        anyone You authorize to use, access or seNice the Account. "Card" means the Visa� credit card and any other access 
        devices, duplicates, renewals , or substitutions, including convenience checks , the Credit Union issues to You . "Account" 
        means the line of credit established by this Agreement and includes Your Card . 
                                     SECURITY INTEREST 
         You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
                           the Credit Union may have in any goods You purchase. 
         If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares , Your pledged shares 
         will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
                      until the Credit Union agrees to release all or part of the pledged amount. 
         You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
         and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
         would lose special tax treatment under state or federal law if given as security are not subject to the security 
         interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
         default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
        For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
          any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
         periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
         covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
                      not a covered borrower; or (ii) You cease to be a covered borrower. 
         Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
         may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
                             anything to the contrary in any other Agreement. 
        1.  USING YOUR ACCOUNT - By using the Account or keeping the Card , You agree to the terms of this Agreement. 
        You  agree  to  use  Your  Account  in  accordance  with  this  Agreement.  Your  Account  must  only  be  used  for  lawful 
        transactions. 
        2.  CREDIT LIMIT - We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You 
        exceed the credit limit, You promise to repay immed iately the amount which exceeds the credit limit, including amounts 
        due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method 
        acceptable  to  the  Credit  Union.  We  may  increase  or  decrease  Your  credit  limit,  refuse  to  make  an  advance and/or 
        terminate Your Account at any time for any reason permitted by law . 
        3.  CONVENIENCE CHECKS - We may, from time to time, issue convenience checks to You that may be drawn on 
        Your Account. Convenience checks may not be  used to make a payment on Your Account.  If You  use a convenience 
        check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check 
        drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We 
        stop  the  payment  of  a convenience  check  drawn  on  Your  Account.  You  agree  to  pay  any  fee  as  identified  in  this 
        Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment 
        request orally, if permitted , or in writing . Your request must be made with sufficient time in advance of the presentment of 
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       the  check for  payment  to  give  Us  a  reasonable  opportunity to  act  on  Your  request.  In  addition , Your  request  must 
        accurately describe the check including the exact Account number, the payee , any check number that may be applicable, 
        and the exact amount of the check . If permitted,  You  may make a stop payment request orally but such a request will 
        expire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective 
        only for six months and may be renewed for additional six month periods by requesting in writing that the stop payment 
        order be renewed . We are not required to notify You when a stop payment order expires. 
        If  We  re-credit Your Account after paying a check over a valid  and timely stop payment order, You  agree to sign  a 
        statement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of 
        the check and to assist Us in any legal action . 
        You agree to indemnify and hold Us harmless from all costs and expenses , including attorney's fees , damages, or claims, 
        related  to Our honoring Your  stop  payment request  or  in  failing  to  stop  payment of  an  item  as  a result  of  incorrect 
        information provided to Us or the giving of inadequate time to act upon a stop payment request.  Note: A convenience 
        check is not a check as that term is defined under the Uniform Commercial Code . It is an advance from Your credit card 
        Account with Us and Your stop payment rights are provided under this Agreement with Us. 
        4.  REPAYMENT - You promise to repay all amounts You owe under this Agreement. Your promise to repay includes 
        all transactions  made  to  Your Account  by  You  or anyone  You  authorize to  use  Your Account  as  well  as  all  interest 
        charges and fees. 
        For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
        The Minimum Payment Due is 2.00% of Your total New Balance, or $25 .00, whichever is greater, plus any amount past 
        due and any amount by which You  have exceeded Your applicable credit limit.  If Your total New Balance is less than 
        $25.00, then Your Minimum Payment Due is the amount of the total New Balance. 
        You may pay more frequently , pay more than the Minimum Payment Due or pay the total New Balance in full . 
        If You make extra or larger payments , You are still required to make at least the Minimum Payment Due each month Your 
        Account has a balance (other than a credit balance) . The Credit Union may delay replenishing Your credit limit until the 
        date the payment is posted or the Credit Union confirms the payment has cleared . 
        Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner 
        the Credit Union chooses,  as permitted by applicable law.  If You  make a payment in excess of the required Minimum 
        Payment Due , the Credit Union will allocate the excess amount first to the balance with the highest annual percentage 
        rate  ("APR")  and any remaining  portion  to the other balances  in  descending order based on  applicable APR,  unless 
        otherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect 
        without losing any of Our rights to collect the full balance of Your Account with Us. 
        5.  INTEREST  AND  FINANCE  CHARGES  - We  will  begin  charging  You  interest  on  purchases  on  the  date  the 
        transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on 
        the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever 
        is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or 
        credit balance at the beginning of that billing cycle , or You  paid the entire  new balance on the previous cycle's billing 
        statement  by  the  Payment  Due  Date  of  that  statement.  To  avoid  an  additional  finance  charge  on  the  balance  of 
        purchases , You must pay the entire new balance on the billing statement by the Payment Due Date of that statement. 
        How We Calculate Your Balance: 
        Interest  charges  on  Your  Account  are  calculated  separately  for  purchases,  balance  transfers  and  cash  advances 
        ("Transaction  Type") . We figure the  interest charge  for  each  Transaction Type by applying the  period ic rate  to each 
        corresponding "average daily balance ." To get the "average daily balance" for a Transaction Type We take the beginning 
        balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or 
        other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type . 
        Then , for each  Transaction Type,  We  add  up  all  the daily balances for the  billing cycle and  divide each total  by the 
        number of days in the billing cycle. This gives Us the "average daily balance" for each Transaction Type. 
        6.  FEES - In  addition  to the periodic rate,  additional fees  may be  imposed  on  Your Account.  If applicable  to  Your 
        Account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Account  Opening  Disclosure  accompanying  this 
        Agreement. 
        7.  FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be debited from Your 
        Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
        international transactions is a rate selected by Visa from a 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 the government-mandated 
        rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
        the rate that would have been used on the purchase date or cardholder statement posting date. 
        Platinum/Platinum Secured, Platinum Rewards - A fee (finance charge) will be charged on all transactions completed 
        outside of the United States , where the cardholder's country code differs from the merchant's country code . A fee (finance 
        charge)  will  be  charged  on  all  transactions  completed  in  a  foreign  currency.  All  fees  are  calculated  based  on  the 
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        transaction amount after it  is converted to  U.S.  dollars. These fees are charged except where excluded. The Foreign 
        Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
        8.  AUTHORIZATIONS - We do not guarantee authorization of a transaction, either by Us or by a third party, even if 
        You  have sufficient credit available.  You  agree that We  will  not be liable for failing  to  give an  authorization.  We also 
        reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain 
        transactions for any  reason  and  at Our sole discretion, including for default, suspected fraudulent or unlawful activity, 
        internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no 
        requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We 
        may suspend Your credit privileges until We can verify the activity, or We may close the Account. 
        9.  INFORMATION UPDATING SERVICE AND AUTHORIZATIONS- If You have authorized a merchant to bill charges 
        to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your 
        Account information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card 
        is replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated 
        Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize 
        Us to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges 
        to Your Card. 
        Your Card  is automatically  enrolled  in  an  information  updating  service.  Through  this  service,  Your  updated  Account 
        information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued 
        recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for 
        making direct payment until  recurring  charges  resume.  To  revoke Your authorization  allowing  Us  to  provide  updated 
        Account information to a merchant, please contact Us. 
        10. PREAUTHORIZED CHARGES - We may suspend preauthorized recurring charges with merchants if, for example, 
        Your Card is lost or stolen, You default, or We change Your Account for any reason.  If preauthorized recurring charges 
        are  suspended,  You  are  responsible for  making  direct payment for  such  charges  until  You  contact the  merchant to 
        reinstate recurring charges. 
        11. DEFAULT - You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
        Due  Date;  pay  by  a check  or  similar  instrument  that  is  not  honored  or that  We  must  return  because  it  cannot  be 
        processed;  pay  by  automatic debit that  is  returned  unpaid;  make  any  false  or misleading  statements  in  any  credit 
        application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this 
        Agreement or any other Agreement You have with Us. 
        If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable 
        law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share 
        and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts 
        to  any amounts due.  You agree We  may  rely  on  Your agreement and authorization to,  upon  Your default, apply any 
        balance to any amounts due on Your Account. 
        12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - If You notice the loss or theft of 
        Your credit card or a possible unauthorized use of Your Card,  You  should write to  Us immediately at PO  Box 20450, 
        Lehigh Valley,  PA, 18002-0450 or call Us at (610) 821-2403 or (888) 821-2400, Monday through Thursday 7:30 a.m. to 
        5:00 p.m. Eastern Time or (610) 821-2403 or (888) 821-2400, Friday 7:30 a.m. to 6:00 p.m. Eastern Time or (610) 821-
        2403 or (888) 821-2400, Saturday 9:00 a.m. to 1  :00 p.m. Eastern Time or (855) 710-3054 (domestic) or (303) 967-1096 
        (international), seven days a week 24 hours a day. 
        You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  You  notify  Us.  You  may,  however,  be  liable  for 
        unauthorized use that occurs before Your notice to  Us.  You  will have no liability for unauthorized use unless You are 
        found to be fraudulent or negligent in the handling of Your Account or Card.  In any case, Your liability for unauthorized 
        transactions will not exceed $50. 
        13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law, the Credit Union may change the terms 
        of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
        applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as 
        well as to future transactions. 
        Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either 
        You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or 
        the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your 
        spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You 
        owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card 
        or Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
        Cards upon request or upon termination of this Agreement whether by You or the Credit Union. 
        Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination 
        by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges 
        You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
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        under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
        Cards You  receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
        Cards upon request or upon termination of this Agreement whether by You or the Credit Union. 
        14. AUTHORIZED  USERS  - Upon  Your  request , We  may  issue  additional  Cards  for  authorized  users  that  You 
        designate. You must notify Us in writing of any termination of an authorized user's right to access Your Account.  Your 
        notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to 
        the authorized user along with the authorized user's Card and  any convenience or other access checks issued to the 
        authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be 
        closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion, 
        issue You a new Account number and a new Card . 
        15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION - You authorize the Credit Union to obtain credit 
        reports  and  any other information  We  may need  to  verify Your identity  and  use  of the  Account when  opening  Your 
        Account and for any update, increase , renewa l, extension, collection or review of Your Account. You authorize the Credit 
        Union  to  disclose information  regarding  Your Account  to  credit bureaus  and  creditors  who  inquire about  Your  credit 
        standing . We may report information about Your Account to credit bureaus. Late payments , missed payments , or other 
        defaults on Your Account may be reflected on Your credit report. 
        16. JOINT ACCOUNTS - If this is a joint Account, each of You will be individually and jointly responsible for paying all 
        amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay 
        the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account 
        individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
        17. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on Your Account even 
        though the sales , cash advances, credit or other slips You sign or receive may contain different terms . 
        18. SEVERABILITY AND FINAL EXPRESSION - This Agreement is the final expression of the terms and conditions of 
        Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any 
        part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and 
        fully enforceable to the fullest extent possible under this Agreement. 
        19. ILLEGAL TRANSACTIONS PROHIBITED - You agree that You will not use Your Card for any transaction, including 
        any type of electronic gambling transaction through the Internet, that is illegal under applicable federal , state, or local law. 
        Even  if You  use Your Card for  an  illegal transaction,  You  will  be  responsible for all amounts and charges incurred  in 
        connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is 
        illegal. 
        20. APPLICABLE LAW - The terms and enforcement of this Agreement shall be governed by federal law and the law of 
        Pennsylvania . 
        21. ENFORCING  THIS  AGREEMENT - We  can  delay  in  enforcing  or fail  to  enforce  any  of Our  rights  under this 
        Agreement without losing them . 
        22. COLLECTION COSTS - If We refer collection of Your Account to a lawyer who is not Our salaried employee , You 
        are  liable  for  any  reasonable  attorney's fees  We  incur,  plus the  costs  and  expenses  of  any  legal  action , as further 
        disclosed on this Agreement, or to the extent allowed by law. 
        23. ASSIGNMENT - We may assign any or all of Our rights and obligations under this Agreement to a third party. 
        24. OVERDRAFT PRIVILEGE - You agree that if,  pursuant to any overdraft privilege on  a Credit Union Share Draft 
        Account, there  is  an overdraft of Your Share Draft Account, the amount of overdraft will  be added to the outstanding 
        balance  on  Your  Visa  Credit  Card  Account , subject  to  the  finance  charge  provisions  set  forth  in  "INTEREST AND 
        FINANCE CHARGES" as described for cash advances, and will be subject to all terms and conditions of this Agreement. 
        The  Visa  Credit Card  Account must  be  current  and  not over the  credit  limit for funds to  transfer to  the  Share  Draft 
        Account. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at 
        the Credit Union , ATM or in-branch teller cash withdrawals . The Share Draft Account referred to herein is also subject to a 
        separate agreement between You and the Credit Union. Where the terms of any other agreement between You and the 
        Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control. 
        25. CALIFORNIA RESIDENTS - A married applicant may apply for a separate Account. Applicants : 1) may, after credit 
        approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any 
        joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record 
        may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 
        26. FLORIDA RESIDENTS - You (borrower) agree that, should We obtain a judgment against You, a portion of 
        Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida 
        and Federal law. 
        27. MARYLAND RESIDENTS - To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your 
        Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 
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        28. MISSOURI RESIDENTS - Oral Agreements or commitments to loan money, extend credit or to forbear from 
        enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect 
        You  (borrower(s))  and  Us  (creditor)  from  misunderstanding  or  disappointment,  any  Agreements  We  reach 
        covering  such  matters  are contained  in  this  writing,  which  is  the  complete  and  exclusive  statement  of the 
        Agreement between Us, except as We may later agree in writing to modify it. 
        29. NEW YORK RESIDENTS - We may obtain a credit report in connection with this Account, including for any review, 
        modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such 
        report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York 
        residents  may  contact  the  New  York  State  Banking  Department  at  800 .342.3736  or  www.dfs .ny.gov  to  obtain  a 
        comparative listing of credit card rates, fees and grace periods. 
        30. OHIO RESIDENTS - The Ohio laws against discrimination require that all creditors make credit equally available to 
        all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon 
        request. The Ohio Civil Rights Commission administers compliance with this law. 
        31 . SOUTH DAKOTA RESIDENTS - If You believe there have been any improprieties in making this loan or in the 
        lender's loan practices, You may contact the South Dakota Division of Banking at 1601  N. Harrison Ave, Suite 1, Pierre, 
        SD 57501, or by phone at 605.773.3421 . 
        32. WISCONSIN RESIDENTS - If You are married, please contact Us immediately upon receipt of this Agreement at the 
        address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are 
        required to inform Your spouse that We have opened an Account for You . 
        33. NOTICE TO UTAH BORROWERS - This written Agreement is a final expression of the Agreement between You 
        and the Credit Union . This written Agreement may not be contradicted by evidence of any oral Agreement. As required by 
        law,  You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit 
        reporting agency if You fail to fulfill the terms of Your credit obligations. 
        34. THE FOLLOWING IS  REQUIRED  BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR  SIGNATURE ON 
        THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER 
        DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 
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                          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 the address listed on Your statement. 
       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 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 or electronically. 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. 
       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 report You as 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. 
       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 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 of the amount You question even if Your bill 
        is correct. 
        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. (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. 
        If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at 
       the address listed on Your statement. 
       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. 
                                         Page 6 of 6 
                                                                 03711480-MXC30�C-1-111519 (MXC303-E) 
                                                 CREDIT CARD 
          r ~ 
                                                    ACCOUNT 
           First 
                                                    OPENING      VISA 
        Commonwealth   257 Brodhead Rd. 
            Fede ral Credit Union  Bethlehem, PA 18017-8938  DISCLOSURE 
                                                               PLATINUM REWARDS 
          This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
            Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 
        Interest Rates and Interest Charges 
        Annual Percentage Rate (APR) for 
                                  9.75% 
        Purchases 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Balance Transfers  1.99%  Introductory APR for a period of  12  billing cycles. 
                                  After that, Your APR will be 9.75% 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Cash Advances     9.75% 
                                  This APR will vary with the market based on the Prime Rate. 
        Paying Interest           Your due date is at least 25 days after the close of each billing cycle. We will 
                                  not charge You any interest on purchases if You pay Your entire balance by 
                                  the due date each month. We will begin charging interest on cash advances 
                                  and balance transfers on the transaction date. 
        Minimum Interest Charge   None 
        For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
        Consumer Financial Protection Bureau  credit card, visit the website of the Consumer Financial Protection 
                                  Bureau at http://www.consumerfinance.gov/learnmore. 
        Fees 
        Annual Fee 
        - Annual Fee              None 
        Transaction Fees 
        - Balance Transfer Fee    None 
        - Cash Advance Fee        None 
        - Foreign Transaction Fee  1.00% of each multiple currency transaction in U.S. dollars 
                                  0.80% of each single currency transaction in U.S. dollars 
        Penalty Fees 
        - Late Payment Fee        Up to $25.00 
        - Returned Payment Fee    Up to $15.00 
        How We Will Calculate Your Balance: 
        We  use  a method called  "average daily balance (including new purchases)."  See  Your Account Agreement for more 
        details. 
        Promotional Period for Introductory APR: 
        The Introductory APR for balance transfers will apply to transactions posted to Your Account from 02/01/2020 
        until  04/30/2020  . Any  existing  balances  on  First  Commonwealth  Federal  Credit  Union  loan  or credit  card 
        accounts are not eligible for the Introductory APR for balance transfers. 
        Billing Rights: 
        Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
        Agreement. 
        IOANUN!l.                      SEE NEXT PAGE for more important information about Your Account. 
        � CUNA Mulu~I Group 2009 10  12  16 All Righi> Rf',ervPd  03711480-MXC20-C-3-0619 17 (MXC20H) 
        Military Lending Act Disclosures: 
        Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
        of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
        may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
        account: The costs associated with credit insurance premiums; fees for ancillary products sold  in connection  with  the 
        credit transaction;  any application  fee  charged  (other than  certain  application  fees  for specified credit transactions or 
        accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
        Other Fees & Disclosures: 
        Late Payment Fee: 
        $25.00 or the amount of the required minimum payment, whichever is less, if You are 11  or more days late in making a 
        payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not 
        make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
        Disclosure. 
        Returned Payment Fee: 
        $15.00 or the amount of the  required  minimum payment,  whichever is less.  If  Your Account  is subject to a Returned 
        Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 
        Card Replacement Fee: 
        $10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
        issued to You for any reason. 
        Rush Fee: 
        $50.00.  If Your Account is subject to a Rush  Fee,  except as limited by applicable law, a fee may be charged to Your 
        Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
        without paying a fee for delivery. 
        Statement Copy Fee: 
        $5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
        made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of 
        a sales draft or statement that You request. 
        Collection Costs: 
        You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
        attorney's fees. 
        Periodic Rates: 
        The Purchase APR is 9.75%  which is a daily periodic rate of  0.0267%. 
        The Introductory Balance Transfer APR is 1.99%  which is a daily periodic rate of  0.0055%. 
        The Balance Transfer APR is 9.75%  which is a daily periodic rate of  0.0267%. 
        The Cash Advance APR is 9.75%  which is a daily periodic rate of  0.0267%. 
        Variable Rate: 
        The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
        on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 
        last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE  RATE will never be greater than 
        18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You 
        will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the 
        Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 
        Margin: 
        Purchases will be charged at  5.00% above the Index. 
        Balance Transfers will be charged at  5.00% above the Index. 
        Cash Advances will be charged at  5.00% above the Index. 
        IOAHUNER. 
        '  CUNA Mutual Group 2009. 10, 12. 16 All Rights R,�,erved  03711480�MXC20-C-3-061917 (MXC201-E} 
                                                 CREDIT CARD 
          ?  ::m~ 
                                                    ACCOUNT 
           First 
                                                    OPENING      VISA 
        Commonwealth   257 Brodhead Rd. 
            Federal Credit Union  Bethlehem, PA 18017-8938  DISCLOSURE 
                                                                PLATINUM SECURED 
          This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
            Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 
        Interest Rates and Interest Charges 
        Annual Percentage Rate (APR) for 
                                  8.49% 
        Purchases 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Balance Transfers  1.99%  Introductory APR for a period of  12  billing cycles. 
                                  After that, Your APR will be 8.49% 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Cash Advances     8.49% 
                                  This APR will vary with the market based on the Prime Rate. 
        Paying Interest           Your due date is at least 25 days after the close of each billing cycle. We will 
                                  not charge You any interest on purchases if You pay Your entire balance by 
                                  the due date each month. We will begin charging interest on cash advances 
                                  and balance transfers on the transaction date. 
        Minimum Interest Charge   None 
        For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
        Consumer Financial Protection Bureau  credit card, visit the website of the Consumer Financial Protection 
                                  Bureau at http://www.consumerfinance.gov/learnmore. 
        Fees 
        Annual Fee 
        - Annual Fee              None 
        Transaction Fees 
        - Balance Transfer Fee    None 
        - Cash Advance Fee        None 
        - Foreign Transaction Fee  1.00% of each multiple currency transaction in U.S. dollars 
                                  0.80% of each single currency transaction in U.S. dollars 
        Penalty Fees 
        - Late Payment Fee        Up to $25.00 
        - Returned Payment Fee    Up to $15.00 
        How We Will Calculate Your Balance: 
        We  use  a method called  "average daily balance (including  new purchases)." See  Your Account Agreement for more 
        details. 
        Promotional Period for Introductory APR: 
        The Introductory APR for balance transfers will apply to transactions posted to Your Account from 02/01/2020 
        until  04/30/2020  . Any  existing  balances  on  First  Commonwealth  Federal  Credit  Union  loan  or  credit  card 
        accounts are not eligible for the Introductory APR for balance transfers. 
        Billing Rights: 
        Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
        Agreement. 
        IOAHUNER.                      SEE NEXT PAGE for more important information about Your Account. 
        '� CUNA Mutual Group 2009,  10  12  16 All R1ghls Rr�scm,d  03711480-MXC20-c.3-061917 (MXC201-E) 
       Military Lending Act Disclosures: 
        Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
       of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
       may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
       account: The costs associated with  credit insurance premiums; fees for ancillary products sold  in  connection  with the 
       credit transaction;  any application fee  charged  (other than  certain  application fees  for specified credit transactions or 
       accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
       Other Fees & Disclosures: 
        Late Payment Fee: 
       $25.00 or the amount of the required minimum payment, whichever is less, if You are 11  or more days late in making a 
        payment.  If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not 
        make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
        Disclosure. 
        Returned Payment Fee: 
        $15.00 or the amount of the  required  minimum payment,  whichever is less.  If Your Account is subject to a Returned 
        Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 
        Card Replacement Fee: 
        $10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
        issued to You for any reason. 
        Rush Fee: 
        $50.00.  If Your Account is subject to a Rush  Fee, except as limited by applicable law, a fee  may be charged to Your 
        Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
        without paying a fee for delivery. 
        Statement Copy Fee: 
        $5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
        made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of 
        a sales draft or statement that You request. 
        Collection Costs: 
        You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
        attorney's fees. 
        Periodic Rates: 
        The Purchase APR is 8.49%  which is a daily periodic rate of  0.0233%. 
        The Introductory Balance Transfer APR is  1.99%  which is a daily periodic rate of  0.0055%. 
        The Balance Transfer APR is 8.49%  which is a daily periodic rate of  0.0233%. 
        The Cash Advance APR is 8.49%  which is a daily periodic rate of  0.0233%. 
        Variable Rate: 
        The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
        on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 
        last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 
        18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You 
        will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the 
        Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 
        Margin: 
        Purchases will be charged at  3.74% above the Index. 
        Balance Transfers will be charged at  3.74% above the Index. 
        Cash Advances will be charged at  3.74% above the Index. 
        IOANUNll. 
        '  CUNA Mutual Group 2009.10.12  16 All Rights Rr�s, 0 rwd  03711480-MXC20-C-3-061917 (MXC201-E) 
                                                 CREDIT CARD 
          r  :m~ 
                                                    ACCOUNT 
           First 
                                                    OPENING 
        Commonwealth   257 Brodhead Rd.                          VISA 
            Vederal Credit Union  Bethlehem, PA 18017-8938  DISCLOSURE 
                                                                       PLATINUM 
          This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
            Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 
        Interest Rates and Interest Charges 
        Annual Percentage Rate (APR) for 
                                  8.49% 
        Purchases 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Balance Transfers  1.99%  Introductory APR for a period of  12  billing cycles. 
                                  After that, Your APR will be 8.49% 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Cash Advances     8.49% 
                                  This APR will vary with the market based on the Prime Rate. 
        Paying Interest           Your due date is at least 25 days after the close of each billing cycle. We will 
                                  not charge You any interest on purchases if You pay Your entire balance by 
                                  the due date each month. We will begin charging interest on cash advances 
                                  and balance transfers on the transaction date. 
        Minimum Interest Charge   None 
        For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
        Consumer Financial Protection Bureau  credit card, visit the website of the Consumer Financial Protection 
                                  Bureau at http://www.consumerfinance.gov/learnmore. 
        Fees 
        Annual Fee 
        - Annual Fee              None 
        Transaction Fees 
        - Balance Transfer Fee    None 
        - Cash Advance Fee        None 
        - Foreign Transaction Fee  1.00% of each multiple currency transaction in U.S. dollars 
                                  0.80% of each single currency transaction in U.S. dollars 
        Penalty Fees 
        - Late Payment Fee        Up to $25.00 
        - Returned Payment Fee    Up to $15.00 
        How We Will Calculate Your Balance: 
        We  use a method called  "average daily balance (including  new purchases)."  See Your Account Agreement for more 
        details. 
        Promotional Period for Introductory APR: 
        The Introductory APR for balance transfers will apply to transactions posted to Your Account from 02/01/2020 
        until  04/30/2020  . Any  existing  balances  on  First Commonwealth  Federal  Credit  Union  loan  or credit  card 
        accounts are not eligible for the Introductory APR for balance transfers. 
        Billing Rights: 
        Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
        Agreement 
        IOANUNER.                      SEE NEXT PAGE for more important information about Your Account 
        '  CUNA Mulual Group 2009  10  12.  16 All R1ghls R,�s.,rved  03711480-MXC20-C-3-061917 (MXC201-E) 
       Military Lending Act Disclosures: 
        Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
       of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
       may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
       account: The costs associated with  credit insurance premiums; fees for ancillary products sold  in connection  with  the 
       credit transaction;  any application fee  charged  (other than  certain  application  fees  for specified credit transactions or 
       accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
       Other Fees & Disclosures: 
        Late Payment Fee: 
       $25.00 or the amount of the required minimum payment, whichever is less, if You are  11  or more days late in making a 
       payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not 
       make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
        Disclosure. 
        Returned Payment Fee: 
       $15.00 or the  amount of the  required  minimum payment, whichever is  less.  If Your Account is subject to a Returned 
        Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 
       Card Replacement Fee: 
       $10.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
        issued to You for any reason. 
        Rush Fee: 
        $50.00.  If Your Account is subject to a Rush  Fee, except as limited by applicable law, a fee may be charged to Your 
        Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
       without paying a fee for delivery. 
        Statement Copy Fee: 
        $5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
        made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of 
       a sales draft or statement that You request. 
       Collection Costs: 
       You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
       attorney's fees. 
        Periodic Rates: 
       The Purchase APR is 8.49%  which is a daily periodic rate of  0.0233%. 
       The Introductory Balance Transfer APR is  1.99%  which is a daily periodic rate of  0.0055%. 
       The Balance Transfer APR is 8.49%  which is a daily periodic rate of  0.0233%. 
       The Cash Advance APR is 8.49%  which is a daily periodic rate of  0.0233%. 
        Variable Rate: 
       The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
       on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 
        last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 
        18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You 
        will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the 
        Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 
        Margin: 
        Purchases will be charged at  3.74% above the Index. 
        Balance Transfers will be charged at  3.74% above the Index. 
        Cash Advances will be charged at  3.74% above the Index. 
        IOANUNER. 
        '  CUNA Mutual Group 2009, 10, 12. 16 All Rights Rr�scrvucl  03711480-MXC20-C-3-061917 (MXC201-E) 
                                                 CREDIT CARD 
          ,,,.a- 7777 ~ 
                                                    ACCOUNT 
           First 
                                                    OPENING 
        Commonwealth   257 Brodhead Rd.                          VISA 
            Federal Credit Union  Bethlehem, PA 18017-8938  DISCLOSURE 
                                                          EMPOWER VISA SIGNATURE 
          This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
            Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 
        Interest Rates and Interest Charges 
        Annual Percentage Rate (APR) for 
                                  15.75% 
        Purchases 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Balance Transfers  15.75% 
                                  This APR will vary with the market based on the Prime Rate. 
        APR for Cash Advances     15.75% 
                                  This APR will vary with the market based on the Prime Rate. 
        Paying Interest           Your due date is at least 25 days after the close of each billing cycle. We will 
                                  not charge You any interest on purchases if You pay Your entire balance by 
                                  the due date each month. We will begin charging interest on cash advances 
                                  and balance transfers on the transaction date. 
        Minimum Interest Charge   None 
        For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
        Consumer Financial Protection Bureau  credit card, visit the website of the Consumer Financial Protection 
                                  Bureau at http://www.consumerfinance.gov/learnmore. 
        Fees 
        Annual Fee 
        - Annual Fee              None 
        Transaction Fees 
        - Balance Transfer Fee    None 
        - Cash Advance Fee        None 
        - Foreign Transaction Fee  None 
        Penalty Fees 
        - Late Payment Fee        Up to $25.00 
        - Returned Payment Fee    Up to $15.00 
        How We Will Calculate Your Balance: 
        We  use a method called "average daily balance (including  new purchases)."  See Your Account Agreement for  more 
        details. 
        Billing Rights: 
        Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
        Agreement. 
        Military Lending Act Disclosures: 
        Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
        of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
        may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
        account: The costs associated with credit insurance premiums;  fees for ancillary products sold  in connection with the 
        credit transaction;  any application  fee  charged  (other than  certain application fees  for specified credit transactions or 
        accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
        IOANUNll.                      SEE NEXT PAGE for more important information about Your Account. 
        � CUNA Mutual Group 2009  10,  12  16 All Rights Rf�served  03711480-MXC20-C� 1  �062619 (MXC20H) 
        Other Fees & Disclosures: 
        Late Payment Fee: 
        $25.00 or the amount of the required minimum payment, whichever is less, if You are  11  or more days late in making a 
        payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You  do not 
        make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
        Disclosure. 
        Returned Payment Fee: 
        $15.00 or the amount of the  required  minimum payment,  whichever is  less.  If Your Account is subject to a Returned 
        Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 
        Card Replacement Fee: 
        $10.00.  If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
        issued to You for any reason. 
        Rush Fee: 
        $50.00.  If Your Account is subject to a Rush  Fee,  except as limited by applicable law, a fee may be charged to Your 
        Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
        without paying a fee for delivery. 
        Statement Copy Fee: 
        $5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
        made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of 
        a sales draft or statement that You request. 
        Collection Costs: 
        You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
        attorney's fees. 
        Periodic Rates: 
        The Purchase APR is 15.75%  which is a daily periodic rate of  0.0432%. 
        The Balance Transfer APR is 15.75%  which is a daily periodic rate of  0.0432%. 
        The Cash Advance APR is 15. 75%  which is a daily periodic rate of  0.0432%. 
        Variable Rate: 
        The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
        on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 
        the last Tuesday of each month, to which We add a margin. The ANNUAL PERCENTAGE RATE  will never be greater 
        than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest 
        You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If 
        the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 
        Margin: 
        Purchases will be charged at  11.00% above the Index. 
        Balance Transfers will be charged at  11.00% above the Index. 
        Cash Advances will be charged at  11.00% above the Index. 
        IOANUN!R. 
        '  CUNA Mutual Group 2009  10.  12  16 All Rights Reserved  03711480-MXC20-C- 1-062619 (MXC201-E)