CREDIT CARD DISCLOSURE
                           Pinnacle   Pinnacle        Standard  
           INTEREST RATES AND 
                           WORLD    Platinum   Platinum   Rewards   Standard   Secured  
           INTEREST CHARGES     �        �        �        �        �       �
                          MasterCard MasterCard MasterCard MasterCard MasterCard MasterCard
           Interest Rates/Charges
           Annual Percentage Rate 
                          10.24%   10.24%   13.49%   14.49%   14.49%   14.49%
           (APR) for Purchases
                         APRs for Purchases will vary with the market based on the Prime Rate.
           APR for Balance  0% Introductory  0% Introductory  0% Introductory  0% Introductory  0% Introductory  N/A
           Transfers     APR for 12   APR for 12   APR for 12   APR for 6   APR for 6  
                         months. After   months. After   months. After   months. After   months. After  
                         that, your APR   that, your APR   that, your APR   that, your APR   that, your APR  
                         will be 11.24%. will be 11.24%. will be 14.49%. will be 15.49%. will be 15.49%.
                         Non-intro APRs for Balance Transfers will vary with the market based on the Prime Rate.
           APR for Cash Advances 22.24% 22.24% 22.24% 22.24%   22.24%   22.24%
                         APRs for Cash Advances 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.
           For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, visit the website of 
           the Consumer Financial  the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
           Protection Bureau
           Fees
           Annual Fee    $75. Waived  $50. Waived for  None $35. Waived  None $50
                         for PinnaclePlus  PinnaclePlus or  for first year
                         Checking   Pinnacle  
                         Account  Checking Account
           Transaction Fees Greater of $10   Greater of $10   Greater of $10   Greater of $10   Greater of $10   N/A
             Balance Transfer or 3% of each   or 3% of each   or 4% of each   or 4% of each   or 4% of each  
                         balance transfer balance transfer balance transfer balance transfer balance transfer
             Cash Advance Greater of $10  Greater of $10  Greater of $10  Greater of $10  Greater of $10  Greater of $10 
                         or 2% of each  or 3% of each  or 3% of each  or 3% of each  or 3% of each  or 3% of each 
                         cash advance cash advance cash advance cash advance cash advance cash advance
             Account Transfer None None     $10     $10      $10      N/A
             Foreign Transaction None None  None    None     None     None
           Penalty Fees   
             Late Payment Up to $25
             Returned Payment Up to $20
           How We Will Calculate Your Balance: We use a method called �average daily balance (including new transactions).� 
           Loss of Introductory APR: We may end your introductory APR and apply the standard APR for Balance Transfers (specified in the table 
           above) if you make a late payment. 
           Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.
            
           APRs are accurate as of 2/16. The Margin corresponding to each APR equals the APR minus the Prime Rate of 3.50%.
           NEW YORK RESIDENTS MAY CONTACT THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES BY TELEPHONE OR VISIT  
           ITS WEBSITE FOR FREE INFORMATION ON COMPARATIVE CREDIT CARD RATES, FEES AND GRACE PERIODS. NY STATE DEPT. OF  
           FINANCIAL SERVICES: 1-877-226-5697 or http://www.dfs.ny.gov/consumer/creditdebit.htm.
            This card issued by First Niagara Bank, N.A., pursuant to license by MasterCard International Incorporated. 
            MasterCard is a registered trademark of MasterCard International Incorporated.
                                                                         Rev. 02/16