2141 Downyflake Lane
Allentown, PA 18103
610.797.7440
800.446.5598
www.peoplefirstcu.org

CREDIT CARD ACCOUNT AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY
FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS AND ANY SPECIAL
INSTRUCTIONS REGARDING THE USE OF ANY ACCOUNT ACCESS DEVICE. PLEASE
READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS
ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR)
For Purchases

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time
You establish Your Account.

These APRs will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR)
For Balance Transfers

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish
Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR)
For Cash Advances

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish
Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs 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 by Your payment’s due date. We will begin charging interest on cash advances and
balance transfers on the transaction date.

For Credit Card Tips from the
Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

 Foreign Transaction

Penalty Fees

1.00% of each foreign currency transaction in U.S. dollars.
0.80% of each U.S. Dollar transaction that occurs in a foreign country.

 Returned Payment
 Late Payment

Up to $30.00
Up to $25.00 after Your statement closing date

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.

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DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean People First Federal Credit Union. The words "You" and "Your" mean each person
who accepts this Agreement or uses the VISA Platinum or VISA Platinum Plus Credit Cards. "Account" means VISA Platinum or VISA Platinum Plus Credit Card Account
established for You. The words "Credit Card" or "Card" mean any VISA Platinum or VISA Platinum Plus Credit Cards issued to You by Us and any duplicates and renewals. "Letter
Checks" mean the special Account access devices that We may provide for Your use from time to time. If this is a joint account, read singular pronouns in the plural.

Credit
Card Type

Variable Rate

Index

Margin

Monthly
Periodic
Rate

VISA Platinum

VISA Platinum Plus

___________

___________

___________%

___________

___________

___________%

Annual
Percentage
Rate

___________%

___________%

PROMISE TO PAY. Your Account may be accessible through a variety of means
which could include advance request forms, vouchers, checks, charge slips, Credit
Cards, Letter Checks and the like. Regardless of the access means, You promise to
pay Us all amounts charged to Your Account by You or by any user who has access
to Your Account, with actual, apparent or implied authority for use of Your Account,
including Finance Charges and other fees or charges described herein.

JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for
the repayment of amounts owed. You understand that any Card which is requested
and approved, will be mailed only to the primary Cardholder at the address that We
have on file for You. We may refuse to follow any instructions which run counter to
this provision.

OWNERSHIP. All access devices remain Our property and may be cancelled by Us
at any time without notice. You agree to surrender any such access device and to
discontinue its use immediately upon Our request.

USE OF YOUR CARD. You may use Your Card to buy goods and services in any
place that it is honored and to get cash advances from Us or another financial
institution. If You are issued a cash advance draft, it will be imprinted with Your Card
and You will receive a copy of the draft. You agree not to use Your Card for
transactions involving Internet gambling and/or wagering of any type and/or for
transactions prohibited by state and/or federal law.

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will
issue You a
Personal Identification Number (PIN) for use with Your Card. This PIN is confidential
and should not be disclosed to anyone. You may use Your PIN and Your Card to
access Your Account and all sums advanced will be added to Your Account balance.
In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and
conditions of Your Electronic Fund Transfer Agreement may affect Your rights.

LINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be
notified of Your specific Credit Limit for transactions made under Your Account.
Unless You are in default,
the Credit Limit established for You will be self-
replenishing as You make payments on Your Account. You will keep Your unpaid
balance within the Credit Limit set by Us, and You will pay any amount over Your
Credit Limit on Our demand whether or not We authorize the advance which caused
You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your
Credit Limit, You will have no credit available during any time that any aspect of
Your Account is in default.

billing cycle. This gives Us the average daily transactions balances for cash
advances (including Letter Checks). The Finance Charge for a billing cycle is
computed by multiplying the average daily balance subject to a Finance Charge by
the applicable Monthly Periodic Rate.

You can avoid Finance Charges on purchases each month by paying the full amount of
the entire balance owed by the payment due date reflected in Your periodic statement.

Otherwise, the new balance of purchases, and subsequent purchases from the date
they are posted to Your Account, will be subject to a Finance Charge. Balance
Transfers and cash advances (including Letter Checks) are always subject to a
Finance Charge from the later of the date they are posted to Your Account or from
the first day of the billing cycle in which the cash advance is posted to Your Account.

VARIABLE RATE. All advances are subject to a Variable Rate which is based on
the highest Prime Rate as published in the Money Rates section of The Wall Street
Journal in effect on the last business day of each calendar month ("Index") plus Our
Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index
will cause changes in the Interest Rate on the first day of the billing cycle that
immediately follows any such change in the Index. Increases or decreases in the
Interest Rate will cause like increases or decreases in the Finance Charge and will
affect the number of Your regularly scheduled payments. Your Interest Rate will
never be greater than 18.00% and will apply to Your remaining principal balance.

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum
Monthly Payments, You understand that You have the right to repay Your Account
or make larger payments at any time without penalty. You will only be charged
periodic Finance Charges to the date You repay Your entire Account balance. Any
partial payment or prepayment of Your Account will not delay Your next scheduled
payment. All payments to Us must be in lawful money of the United States. Your
Periodic Statement will
include instructions on where to send Your Minimum
Monthly Payment. Payments sent by You to an address other than that which
appears on Your statement may be subject to a delay in crediting to Your Account
for up to five days.

Payments will be applied in the following order: (a) any Finance Charges due for
Your balance for balance transfers; (b) any Finance Charges due for Your balance
for cash advances; (c) any Finance Charges due for Your balance for purchases; (d)
any Fees and Charges owing; (e) Your balance for balance transfers; (f) Your
balance for cash advances; and then to (g) Your balance for purchases.

In the case of any transactions on Your Account,

FINANCE CHARGES.
the
balances subject to the periodic Finance Charge are the average daily transactions
balances outstanding during the month (new and previous). Separate average daily
balances are calculated for purchases, balance transfers and cash advances
(including Letter Checks).

Any unpaid portion of any Finance Charges and Late Charges will be paid by
subsequent payments and will not be added to the principal. You understand that
any payment that delays the repayment of Your unpaid balance will increase Your
Finance Charge and any payment that accelerates the reduction of Your unpaid
balance will decrease Your Finance Charges.

To get the average daily balance for purchases, We take the beginning balance for
purchases each day, add any new purchases, debit adjustments or other charges
and subtract any payments, credits and unpaid Finance Charges. This gives Us the
daily balance for purchases. Then, We add up all the daily balances for purchases
during the billing cycle and divide them by the number of days in the billing cycle.
This gives Us the average daily transactions balances for purchases. To get the
average daily balance for balance transfers, We take the beginning balance for
balance transfers each day, add any new balance transfers, debit adjustments or
other charges and subtract any payments, credits and unpaid Finance Charges.
This gives Us the daily balance for balance transfers. Then, We add up all the daily
balances for balance transfers during the billing cycle and divide them by the
number of days in the billing cycle. This gives Us the average daily transactions
balances for balance transfers. To get the average daily balance for cash advances
(including Letter Checks), We take the beginning balance for cash advances and
Letter Checks each day, add any new cash advances and Letter Checks, debit
adjustments or other charges and subtract any payments, credits and unpaid
Finance Charges. This gives Us the daily balance for cash advances (including
Letter Checks). Then, We add up all the daily balances for cash advances (including
Letter Checks) during the billing cycle and divide them by the number of days in the

Minimum Monthly Payments for VISA Platinum and VISA Platinum Plus will be an
amount equal to 2.00% of Your unpaid VISA Platinum or VISA Platinum Plus
Account balance; subject to the lesser of $10 or Your balance. In addition to the
Minimum Monthly Payment, You will also be required to pay any prior payments due
which remain unpaid and any amounts which exceed Your Credit Limit.

CONSENSUAL LIEN. As permitted by law, You grant and consent to a lien
on Your shares or other deposit accounts with Us (other than those
deposits established under a governmental-approved tax deferral plan such
as an IRA or Keogh account) and any dividends due or to become due to
You from Us to the extent You owe on any unpaid Credit Card balance.

OTHER SECURITY. Collateral (other than household goods or any dwelling) given
as security under this Agreement or for any other loan You may have with Us will
secure all amounts You owe Us now and in the future if that status is reflected in the
"Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt.

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing
all transactions on Your Account including amounts paid and borrowed since Your

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last statement. We will mail You a statement each billing cycle in which there is a
debit or credit balance or when a Finance Charge is imposed. We need not send
You a statement if We feel Your Account is uncollectible or if We have started
collection proceedings against You because You defaulted. Each statement
is
deemed to be a correct statement of account unless You establish a billing error
pursuant to the Federal Truth-In-Lending Act.

OUR RESPONSIBILITIES TO HONOR LETTER CHECKS. We are under no
obligation to honor Your Letter Checks if: (1) by paying a Letter Check, You would
exceed Your Credit Limit; (2) Your Cards or Letter Checks have been reported lost
or stolen; (3) Your Account has been cancelled or has expired; or (4) a Letter
Check is used for payment on this or any other loan Account with Us. If a postdated
Letter Check is paid and, as a result, any other Letter Check is returned unpaid, We
are not responsible for any resulting loss or liability.

TRANSACTION SLIPS. Your periodic statement will
identify the merchant,
electronic terminal or financial institution at which transactions were made, but sales,
cash advances, credit or other slips will not be returned with the statement. You will
retain the copy of such slips furnished at the time of the transaction in order to verify
Your monthly statement.

CREDITS. If a merchant who honors Your Card gives You credit for returns or
adjustments, the merchant will do so by sending Us a slip which will be posted to
Your Account. If Your credits and payments exceed what You owe Us, We will hold
and apply this credit against future purchases and cash advances, or if it is $1.00 or
more, refund it on Your written request or automatically deposit it to Your Share
Account after six months.

LATE CHARGE. If Your payment is not received by Your statement closing date,
You will be charged the lesser of: (a) the amount of the minimum payment due; or
(b) $25.

OTHER FEES AND CHARGES. You agree to pay Us the following fees and
charges associated with the use of Your Card which will be charged to Your Account
as purchases: (a) the lesser of $30 for any check (or other negotiable instrument
used for payment on Your Account) that is returned unpaid, or the required minimum
payment amount for the returned payment; and (b) $15 for any Letter Check on
which You request Us to stop payment.

DEFAULT. You will be in default if: (a) You do not make any payment or perform
any obligation under this Agreement, or any other agreement that You may have
with Us; or (b) You should die, become involved in any insolvency, receivership or
custodial proceeding brought by or against You; or (c) You have made a false or
misleading statement in Your credit application and/or in Your representations to Us
while You owe money on Your Account; or (d) A judgment or tax lien should be filed
against You or any attachment or garnishment should be issued against any of Your
property or rights, specifically including anyone starting an action or proceeding to
seize any of Your funds on deposit with Us; and/or (e) We should, in good faith,
believe Your ability to repay Your indebtedness hereunder is or soon will be
impaired, time being of the very essence.

If You are in default, We may, without notice or demand, and to extent permitted by
law, cancel Your rights under this Agreement, declare the entire unpaid balance
immediately due and payable and require the return of all Cards and other Account
Access devices.

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all
of Our costs and expenses, including reasonable attorneys' fees incurred in the
course of collecting any amounts owed under this Agreement or for the recovery of
any collateral.

CREDIT INSURANCE. Credit insurance is not required for any extension of credit
under this Agreement. However, You may purchase any credit insurance available
through Us and have the premiums added to the outstanding balance of Your
Account. If You elect to do so, You will be given the necessary disclosures and
documents separately. Any credit insurance premiums will be charged to Your
Account as a purchase.

ENFORCEMENT. We do not lose Our rights under this or any related agreement if
We delay enforcing them. We can accept late payments, partial payments, or any
other payments, even if they are marked "paid in full", without losing any of Our
rights under this Agreement. If any provision of this or any related agreement is
determined to be unenforceable or invalid, all other provisions remain in full force
and effect.

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your
Account. You will not be liable for the unauthorized use that occurs after You notify
Us orally and in writing at
the address or telephone number shown in this
Agreement, of the loss, theft, or possible unauthorized use. In any case, Your
liability will not exceed $50.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move
or otherwise have a change of address.

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this
Agreement includes, but is not limited to, the right to change the periodic rate
applicable to Your unpaid balance and/or future advances.

REFUSAL TO HONOR CARDS OR LETTER CHECKS. We are not liable for the
refusal or inability of merchants, financial institutions and others to accept the Cards
or Letter Checks, or electronic terminals to honor the Cards or complete a Card
withdrawal, or for their retention of the Cards or Letter Checks.

LOST OR STOLEN CARDS, ACCOUNT NUMBERS AND/OR LETTER CHECKS.
To report a lost or stolen Card, Letter Check or Account Number, You will
immediately call (800) 325-3678. You may also write to the Credit Card Security
Department, P.O. Box 24747, Tampa, FL 33623-4747.

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and
foreign currencies, the exchange rate between the transaction currency and the
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of
rates available in wholesale currency markets for the applicable central processing
date, which rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date. For transactions
that are initiated in a foreign currency, You will be charged 1.00% of the final
settlement amount. For transactions occurring in foreign countries and initiated in
U.S. Dollars, You will be charged 0.80% of the final settlement amount.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other
slips You may sign or receive when using the Card contain terms, this Agreement is
the contract which solely applies to all transactions involving Your Account.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of
this
Agreement. By signing the Application and Your Credit Card, by using the Card, by
using Your Account or by authorizing another to use Your Account, You agree to
accept its terms.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to
this Agreement is an integrated part of this Agreement and Disclosure.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
facts to update personal information or other financial information related to You,
at Our request. You also agree that We may, from time to time, as We deem
necessary, make inquiries pertaining to Your employment, credit standing and
financial responsibility in accordance with applicable laws and regulations. You
further agree that We may give information about the status and payment history
of Your Account to consumer credit reporting agencies, a prospective employer or
insurer, or a state or federal
licensing agency having any apparent legitimate
business need for such information.

TERMINATION. Subject to applicable law, either You or We may cancel Your
Account at any time whether or not You are in default. You will, in any case, remain
liable to pay any unpaid balances according to the terms of this Agreement.

GOVERNING LAW. This Agreement is controlled and governed by the laws of the
Commonwealth of Pennsylvania except to the extent that such laws are inconsistent
with controlling federal law.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair Credit
Billing Act.

What To Do If You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at Our address shown in
this Agreement. In Your letter, give us the following information:





Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe 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 3 business days before an automated payment is scheduled, if You
want to stop payment on the amount You think is wrong.

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You must notify Us of any potential errors in writing. You may call Us, but if You do
We are not required to investigate any potential errors and You may have to pay the
amount in question.

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)

2)

3)

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.)
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.
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 at Our address shown in this Agreement.

While We investigate, the same rules apply to the disputed amount as discussed
above. After We finish Our investigation, We will tell You Our decision. At that point, if
We think You owe an amount and You do not pay, We may report You as delinquent.

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved.

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2141 Downyflake Lane
Allentown, PA 18103
610.797.7440
800.446.5598
www.peoplefirstcu.org

PRICING INFORMATION ADDENDUM –
CREDIT CARD ACCOUNT AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA
PLATINUM AND VISA PLATINUM PLUS CREDIT CARD AGREEMENT AND
DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND
NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR)
For Purchases

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time
You establish Your Account.

These APRs will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR)
For Balance Transfers

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish
Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR)
For Cash Advances

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish
Your Account.

These APRs will vary with the market based on the Prime Rate.

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time You
establish Your Account.

These APRs will vary with the market based on the Prime Rate.

We will not charge You interest on purchases if You pay Your entire balance owed each
month by Your payment's due date. We will begin charging interest on cash advances and
balance transfers on the transaction date.

Paying Interest

Fees

Transaction Fees

 Foreign Transaction Fee

1.00% of each foreign currency transaction in U.S. dollars.
0.80% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees

 Returned Payment
 Late Payment

Up to $30.00
Up to $25.00 after Your statement closing date

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.

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances
outstanding during the month (new and previous). Separate average daily balances are calculated for purchases, balance transfers and cash advances (including Letter
Checks).

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To get the average daily balance for purchases, We take the beginning balance for purchases each day, add any new purchases, debit adjustments or other charges and
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily balances for purchases during the
billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To get the average daily balance
for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any
payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers during
the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for balance transfers. To get the average
daily balance for cash advances (including Letter Checks), We take the beginning balance for cash advances and Letter Checks each day, add any new cash advances and
Letter Checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances
(including Letter Checks). Then, We add up all the daily balances for cash advances (including Letter Checks) during the billing cycle and divide them by the number of days
in the billing cycle. This gives Us the average daily transactions balances for cash advances (including Letter Checks). The Finance Charge for a billing cycle is computed by
multiplying the average daily balance subject to a Finance Charge by the applicable Monthly Periodic Rate.

You can avoid Finance Charges on purchases each month by paying the full amount of the entire balance owed by the payment due date reflected in Your periodic
statement.

Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Transfers
and cash advances (including Letter Checks) are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the
billing cycle in which the cash advance is posted to Your Account.

The Monthly Periodic Rate that will apply to Your VISA Platinum Account is 0.7417% - 1.4917% (corresponding ANNUAL PERCENTAGE RATE of 8.90% - 17.90%), based on
Your creditworthiness at the time You establish Your Account.

The Monthly Periodic Rate that will apply to Your VISA Platinum Plus Account is 0.8250% - 1.2417% (corresponding ANNUAL PERCENTAGE RATE of 9.90% - 14.90%),
based on Your creditworthiness at the time You establish Your Account.

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal
in effect on the last business day of each calendar month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause
changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause
like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and
will apply to Your remaining principal balance.

The Margin that will apply to Your VISA Platinum Account is 5.65% - 14.65%, based on Your creditworthiness at the time You establish Your Account.

The Margin that will apply to Your VISA Platinum Plus Account is 6.65% - 11.65%, based on Your creditworthiness at the time You establish Your Account.

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved.

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