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 �   AND  PREMIUM  WORLD �   MASTERCARD �  
       8805 University Boulevard 
                          AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  PLATINUM 
       Moon Township, PA 15108 
                          MASTERCARD �  AND PREMIUM WORLD �  MASTERCARD �  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 � : ________% Introductory APR until December 31, 2022. 
    For Purchases 
     
                            After that, Your APR will be ________% 
     
                            This 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. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : __________%  
                             
    For Balance Transfers  
                            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. 
                           
    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. 
                           
    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  To learn more about factors to consider when applying for or using a Credit Card, 
    the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
    Protection Bureau     http://www.consumerfinance.gov/learnmore. 
     
    Fees 
                           
    Transaction Fees       
                           
    ?  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. 
                           
    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.  
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 1 of 4                                                             OTBS 016CC-Variable CLEA (10/21) 
    
    
   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 �  and Premium World �  Mastercard �  Credit Card(s). The words "Card" and "Credit Card" mean the Platinum 
   Mastercard �  and Premium World �  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 �   __________%  __________%  __________%  __________% 
                                                                 
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Balance Transfers  for Balance Transfers 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World �  Mastercard �   __________%  __________%  __________%  __________% 
                                                                 
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Cash Advances   for Cash Advances 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World �  Mastercard �   __________%  __________%  __________%  __________% 
                                                                 
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  whichever Card We wish. Except as required by law, the order in which We may 
   place that it is honored and to get cash advances at participating financial institutions.  apply payments is at Our discretion.  
   You agree not to use Your Card for illegal transactions including, but not limited to,   
   advances made for the purpose of gambling and/or wagering where such practices  Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
   are in violation of applicable state and/or federal law.  will not be added to Your principal balance. You understand that any delay in the  
                                             repayment of Your unpaid balance will increase Your periodic Finance Charges and 
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as  any acceleration in the repayment of Your unpaid balance will decrease Your 
   security and that there are no other liens against them other than Ours. You agree  periodic Finance Charges.  
   to perform all acts which are necessary to make Our security interest in the shares   
   and/or collateral being pledged enforceable.  Platinum Mastercard �  and Premium World �  Mastercard �  Minimum Payments will 
                                             be an amount equal to 2.00% of Your new unpaid Platinum Mastercard �  or Premium 
   OTHER SECURITY. Collateral (other than household goods or any dwelling)  World �  Mastercard �  balance at the end of each billing cycle, subject to the lesser 
   given as security under this Agreement or for any other loan You may have with  of $20.00 or Your balance, plus any portion of the Minimum Payments shown on 
   Us will secure all amounts You owe Us now and in the future if that status is  prior statement(s)  which  remains unpaid,  plus  any  amount that  exceeds  Your 
   reflected  in  the  "Truth-In-Lending  Disclosure"  in  any  particular  Agreement  approved Credit Limit. 
   evidencing such debt.                      
                                             You may, by separate agreement, authorize Us to charge Your payment directly to 
   LIEN ON SHARES. You grant and consent to a lien on Your shares with  Your share or share draft account. 
     
   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  LATE CHARGE. If Your payment is one or more days late, You will be charged the 
   Card balance.                             lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge 
                                             within 6 months of previously incurring a late charge); or (b) the amount of the 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  required minimum payment.  
   Credit Card for which You are approved. Unless You are in default, any Credit Limits   
   established for You will generally be self-replenishing as You make payments.   RETURNED PAYMENT FEE. You will be charged a fee for any check (or other 
                                             negotiable instrument used for payment) which is returned unpaid. The fee will be 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You  an amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You 
   understand that We may decline any transaction that would exceed that Credit Limit.  have incurred a returned payment fee within 6 months of previously incurring a 
   In addition, You will pay any amount over Your Credit Limit on Our demand whether  returned payment fee); or (b) the required minimum payment amount for the 
   or not We authorize the advances which caused You to exceed Your Credit Limit.  returned payment. 
   Even if Your unpaid balance is less than Your Credit Limit, You will have no credit   
   available during any time that any aspect of Your Account is in default.  OTHER FEES AND CHARGES. You will be charged the following fees associated 
                                             with the use of Your Card: (a) $30.00 for each replacement Card that You request 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  be provided on an expedited basis; (b) $5.00 for each replacement Personal 
   repayment of any amounts owed. If any Account access device, such as a Personal  Identification Number (PIN) that You request; (c) $5.00 for each sales draft or 
   Identification Number (PIN) is requested and approved, You understand that any  statement copy You request; and (d) a cash advance fee FINANCE?CHARGE in 
   such Account access device(s) will be mailed only to the primary Borrower at the  an amount equal to 3.00% of each advance obtained at a financial institution 
   address that We have on file for You. We may refuse to follow any instructions which  and/or ATM. 
   run counter to this provision.             
                                             FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  Mastercard �  and Premium World �  Mastercard �  the balances subject to the periodic 
   only pay the Minimum Monthly Payments, You understand that You have the right  Finance Charge are the average daily transactions balances outstanding during the 
   to repay at any time without penalty. You also understand that You will only be  month (including new transactions). To get the average daily balance, We take the 
   charged periodic Finance Charges to the date You repay Your entire balance. You  beginning balance each day, add any new purchases, cash advances, balance 
   may make larger payments without penalty. Any partial payment or prepayment will  transfers, insurance premiums, debit adjustments or other charges and subtract any 
   not delay Your next scheduled payment. All payments to Us must be in lawful money  payments, credits and unpaid Finance Charges. This gives Us the daily balance. 
   of the United States. Unless instructed otherwise, We may apply each payment to  Then, We add up all the daily balances for the billing cycle and divide them by the 
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 2 of 4                                                             OTBS 016CC-Variable CLEA (10/21) 
   number of days in the billing cycle. The Finance Charge for a billing cycle is  INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your 
   computed by multiplying the average daily balance subject to a Finance Charge by  Account, and is delivered together with this Agreement or at a later date becomes 
   the Monthly Periodic Rate.                an integrated part of this Agreement and Disclosure. 
                                              
   You can avoid Finance Charges on purchases by paying the full amount of the  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   entire balance owed each month within 25 days of Your statement closing date.  Agreement. By signing the application; or by using Your Account or any Account 
   Otherwise, the new balance of purchases, and subsequent purchases from the  access device; or by authorizing another to use Yo ur Account, You agree to and 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  accept its terms. 
   advances and balance transfers are always subject to a Finance Charge from   
   the date of the transaction.              UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
                                             to update information contained in Your original Account application or other financial 
   Platinum  Mastercard�  purchase  transactions  are  subject  to  a  discounted  information related to You, at Our request. You also agree that We may, from time 
   Introductory  Monthly  Periodic  Rate  of  _________%  (corresponding  ANNUAL  to time, as We deem necessary, make inquiries pertaining to Your employment, 
   PERCENTAGE RATE _________%) until December 31, 2022. Upon the expiration  credit standing and financial responsibility in accordance with applicable laws and 
   of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire  regulations. You further agree that We may give information about the status and 
   balance of purchases existing at that time and in the future will immediately increase  payment  history  of  Your  Account  to  consumer  credit  reporting  agencies,  a 
   to  a  Monthly  Periodic  Rate  of  __________%  (corresponding  ANNUAL  prospective employer or insurer, or a state or federal licensing agency having any 
   PERCENTAGE RATE of _________%).           apparent legitimate business need for such information.  
                                              
   VARIABLE RATE. All advances are subject to a Variable Rate which is based on  TERMINATION. Either You or We may cancel Your Account or any particular 
   the highest Prime Rate as published in the money rates section of The Wall Street  Credit Card of Your Account, at any time, whether or not You are in default. You 
   Journal  in  effect  on  the  day  that  any  Introductory  Rate  Period  expires,  and  will, in any case, remain liable to pay any unpaid balances according to the terms 
   subsequently, on the last day of each month of each year ("Index") plus Our Margin.  of Your Account. 
   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,  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   and subsequently, on the first day of the billing cycle immediately following any such  Commonwealth of Pennsylvania except to the extent that such laws are inconsistent 
   change in the Index. Increases or decreases in the Interest Rate will cause like  with controlling federal law. 
   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%,  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   and will apply to Your remaining principal balance.   time without notice. You agree to surrender Your Card and to discontinue its use 
                                             immediately upon Our request. 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all   
   transactions on Your Account including amounts paid and borrowed since Your last  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
   statement. We will mail You a statement each month in which there is a debit or credit  Your request, a Personal Identification Number (PIN) for use with participating 
   balance or when a Finance Charge is imposed. We need not send You a statement if We  ATMs. This PIN is confidential and should not be disclosed to anyone. You may 
   feel Your Account is uncollectible or if We have started collection proceedings against You  use Your PIN to access Your Account and all sums advanced will be added to 
   because You defaulted. Each statement is deemed to be a correct statement of account  Your balance. In the event a use of Your PIN constitutes an Electronic Fund 
   unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.   Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement 
                                             may also affect Your rights.  
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no   
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been  slips You may sign or receive when using Your Card contain terms, this Agreement 
   reported lost or stolen; (3) Your Account has been cancelled or has expired. If a  is the contract which solely applies to all transactions involving the Card. 
   postdated Convenience Check is paid and, as a result, any other Convenience Check   
   is returned unpaid, We are not responsible for any resulting loss or liability.  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
                                             You will not be liable for the unauthorized use that occurs after You notify Us of the 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform any  loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing 
   obligation under this Agreement, or any other agreement that You may have with Us; or  to Us at the address shown in this Agreement. In any case, Your liability will not 
   (b)  You  should  die,  become  involved  in  any  insolvency,  receivership  or  custodial  exceed $50.00. 
   proceeding brought by or against You; or (c) You have made a false or misleading   
   statement in Your credit application and/or in Your representations to Us while You owe  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the 
   money on Your Account; or (d) A judgment or tax lien should be filed against You or any  refusal or inability of merchants, financial institutions and others to accept the Cards or 
   attachment or garnishment should be issued against any of Your property or rights,  Convenience Checks, or electronic terminals to honor the Cards or complete a Card 
   specifically including anyone starting an action or proceeding to seize any of Your funds  withdrawal, or for their retention of the Cards or Convenience Checks. 
   on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your   
   indebtedness hereunder is or soon will be impaired, time being of the very essence.   FOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD �  MASTERCARD � ). 
                                             For transactions initiated in foreign currencies, the exchange rate between the 
   Upon any occurrence of default, We may, to the extent permitted by law, cancel  transaction currency and the billing currency (U.S. dollars) will be: (a) a rate 
   Your rights under this Agreement, require the return of all access devices and  selected by Mastercard from the range of rates available in wholesale currency 
   declare the entire balance of Your Account immediately due and payable, without  markets for the applicable central processing date, which rate may vary from the 
   prior notice or demand.                   rate Mastercard itself receives; or (b) the government-mandated rate in effect for 
                                             the applicable central processing date. For transactions initiated in a foreign 
   COLLECTION COSTS. In the event collection efforts are required to obtain payment  currency, and for transactions occurring in foreign countries and initiated in U.S. 
   on this Account, and to the extent permitted by law, You agree to pay all court costs,  Dollars, You will be charged 2.00% of the final settlement amount. Transactions 
   private process server fees, investigation fees or other costs incurred in collection  initiated via the internet with merchants or other parties located outside of the 
   and reasonable attorneys� fees incurred in the course of collecting any amounts  United States of America are deemed to occur in the foreign country where the 
   owed under this Agreement or in the recovery of any collateral.  merchant or other party is located. 
                                              
   ENFORCEMENT. We do not lose Our rights under this or any related agreement if  TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
   We delay enforcing them. We can accept late payments, partial payments or any  electronic terminal or financial institution at which transactions were made, but sales, 
   other payments, even if they are marked "paid in full" without losing any of Our rights  cash advances, credit or other slips cannot be returned with the statement. 
   under this Agreement. If any provision of this or any related agreement is determined   
   to be unenforceable or invalid, all other provisions remain in full force and effect.  LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
                                             or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to 
   NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move  Us at the address shown in this Agreement.  
   or otherwise have a change of address.     
                                             CREDITS. If a merchant who honors Your Card gives You credit for returns or 
   CHANGE IN TERMS. We may change the terms of this Agreement by mailing or  adjustments, they will do so by sending Us a slip which will be posted to Your 
   delivering to You written notice of the changes as prescribed by the Federal Truth- Account. If Your credits and payments exceed what You owe Us, We will hold and 
   In-Lending Act. To the extent permitted by law, the right to change the terms of this  apply this credit against future purchases and cash advances, or if it is $1.00 or 
   Agreement includes, but is not limited to, the right to change the periodic rate  more refund it on Your written request or automatically deposit it to Your share 
   applicable to Your unpaid balance and/or future advances.  account after six months. 
                                              
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 3 of 4                                                             OTBS 016CC-Variable CLEA (10/21) 
        Your Billing Rights: Keep this Document for Future Use  �  We can apply any unpaid amount against Your Credit Limit. 
                                              
   This notice tells You about Your rights and Our responsibilities under the Fair  After We finish Our investigation, one of two things will happen: 
   Credit Billing Act.                        
                                             �  If We made a mistake: You will not have to pay the amount in question or any 
         What To Do If You Find A Mistake On Your Statement    interest or other fees related to that amount. 
                                             �  If We do not believe there was a mistake: You will have to pay the amount 
   If You think there is an error on Your statement, write to Us at Our address shown in    in question, along with applicable interest and fees. We will send You a 
   this Agreement. In Your letter, give Us the following information:    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.  
   �  Account information: Your name and Account number.   
   �  Dollar amount: The dollar amount of the suspected error.  If You receive Our explanation but still believe Your bill is wrong, You must write to 
   �  Description of problem: If You think there is an error on Your bill, describe  Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
     what  You believe is wrong and why You believe it is a mistake.   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 
   You must contact Us:                      We must let those organizations know when the matter has been settled between 
                                             Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
   �  Within 60 days after the error appeared on Your statement.  of the amount You question even if Your bill is correct. 
   �  At least 3 business days before an automated payment is scheduled, if You   
     want  to stop payment on the amount You think is wrong.   Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                              
   You must notify Us of any potential errors in writing. You may call Us, but if You do  If You are dissatisfied with the goods or services that You have purchased with Your 
   We are not required to investigate any potential errors and You may have to pay the  Credit Card, and You have tried in good faith to correct the problem with the 
   amount in question.                       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: 
           What Will Happen After We Receive Your Letter   
                                             1)  The purchase must have been made in Your home state or within 100 miles 
   When We receive Your letter, We must do two things:    of Your current mailing address, and the purchase price must have been 
                                               more than $50.00. (Note: Neither of these are necessary if Your purchase 
   1)  Within 30 days of receiving Your letter, We must tell You that We received Your    was based on an advertisement We mailed to You, or if We own the company 
     letter. We will also tell You if We have already corrected the error.    that sold You the goods or services.) 
   2)   Within 90 days of receiving Your letter, We must either correct the error or  2)  You must have used Your Credit Card for the purchase. Purchases made with 
     explain to You why We believe the bill is correct.    cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   While We investigate whether or not there has been an error:  3)  You must not yet have fully paid for the purchase.  
                                              
   �  We cannot try to collect the amount in question, or report You as delinquent  If all of the criteria above are met and You are still dissatisfied with the purchase, 
     on that amount.                         contact Us in writing at Our address shown in this Agreement.  
   �  The charge in question may remain on Your statement, and We may continue   
     to charge You interest on that amount.  While We investigate, the same rules apply to the disputed amount as discussed above. 
   �  While You do not have to pay the amount in question, You are responsible for  After We finish Our investigation, We will tell You Our decision. At that point, if We think 
     the remainder of Your balance.          You owe an amount and You do not pay, We may report You as delinquent.
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 4 of 4                                                             OTBS 016CC-Variable CLEA (10/21)