1ST SUMMIT BANK — Card Regulations PERIODIC FINANCE CHARGE CALCULATION METHODS The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchase of goods and services that you obtain through the use of your Card is specific in the Disclosure provided and explained below: Method A - Average Daily Balance (including current transactions). The Finance Charge on purchases begins from the date the transaction is posted to your account and the Finance Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There Is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the “average daily balance” of your account. To get the average daily balance, we take the beginning balance of your account each day, add any new purchase or cash advances, and subject any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balances. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Method G — Average Daily Balance (including current transactions). To avoid incurring an additional Finance Charge on the balance of purchase (and cash advances, if Method G is specified as applicable to cash advances) reflected on your monthly statement and, on any new purchase (and if applicable, cash advances) appearing on your next monthly statement, you must pay the New Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New Balance of purchase extends to the Payment Due Date. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the “average daily balance” of purchases (and if applicable, cash advances). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subject any payments, credits, non-accruing fees, and unpaid finance charges, This gives us the datly balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. TERMS GOVERNING THE USE OF YOUR CARD The person ("Cardholder") whose name is embossed on the face of the VISA ("Card"), and each Cardholder, in the event more than one Card is endorsed herewith bearing the same account number, by signing or using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card whose name is printed on the reverse (‘Issuer’) as follows: A. Goods and services (“Credit Purchases") may be purchased or leased by means of such card by Cardholder from any retail Business establishment ("seller) who honors same upon the execution of a sales slip evidencing such Credit Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, VISA Cash Advances (‘Loans’) may be obtained through use of such Card (a) upon execution of a written request of Cardholder in a form fumished to Cardholder from any financial institution that is a member, alone or in association with others, of VISA U.S.A. Inc and (b) upon execution of a written Separate agreement with Issuer for a VISA overdraft financing agreement if offered by Issuer. B. Cardholder shail be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to Cardholder or anyone else using such Card unless the use of such Card is by a person other than Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benafit. Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card being Cardholder's account number that has been issued to another person by reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request (all such Cards bearing the VISA account number hereinafter collectively called “Related Cards’). C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures) for participation in the Issuer's credit card plan. Such annual membership fee shall be imposed whether or not Cardholder users the card to obtain credit purchases and loans. The membership fee shall be charged to Cardholder's account each year in the month of Issuers choice. The membership fee is not refundable in the event of termination for the account by either Cardholder or Issuer unless otherwise provided for by law. D. Each Card is the property of the Issuer, is not transferrable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time without prior notice. E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or loans, which will increase Cardholder's indebtedness to Issuer to an amount in excess of the limit established by Issuer. ‘ F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder's account statement with Issuer. G. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all VISA Card and Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Card untess Issuer is notified to the contrary in writing within 60 days of mailing of such statement Cardholder will pay such statement by remitting to Issuer within 25 days of the closing date teflected on the statement either the full amount billed, or at Cardholder's option, an installment equal to at least the required minimum payment stated. H. Interest on Loans and Credit Purchases will be charged in accordance with the finance charge catculation method referred to in the disclosures provided. The rate of interest shall be established by Issuer from time to time, but shall never exceed the maximum rate penmitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in the Disclosures. \. if the card Is canceled or surrender is damanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or gamishment proceedings are initiated against Cardholder or his property, Issuer may elect to declare ail amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has cther loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder's abligations under this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder's household goods or dwelling will not secure Cardholder's obligation under this agreement even if Issuer has or later acquires a security interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including reasonable attomey's fees and also those costs, expenses and attomey's fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. J, This agreement may be amended from time to time by Issuer by written notice mailed to Cardholder at Cardholder's last known address. K. Except to the extent that Federal law is applicable, the validity, construction, and enforcement of this agreement and all matters arising out of the issuance and use of the Card shall be governed by the laws of the state in which the principal office of Issuer is located. L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, request a replacement card or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. No finance charge will be assessed on such additional charges. M. [fit is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible tosses. In most cases, the Cardholder will not be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in writing at: Telephone Number (727) 570-4881, Card Security Department, P.O. Box 30035, Tampa, Florida 33630. N. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. ©. Payments must be made to Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The exchange rate for transactions in a foreign currency will be 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 the goverment mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1% conversion or processing fee. P. Issuer shall have sole discretion in how payments are applied to Cardholder's account Issuer may accept checks marked “Payment in Full” or with words of simitar effect without losing any of Issuer's rights to collect the full balance of Cardholder's account. Q. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholders credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information, request credit bureau reports and/or otherwise verify Cardholder's current credit standing. R. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder's account. However, Issuer is not obligated to release any such information to anyone unless Issuer is required by law to do so. S. Cardholder agrees that Cardholder's account shall be subject te all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any conflict between the provisions of this Agreement and the rules and regulations of VISA U.S.A. Inc., the rules and regulations of VISA U.S.A. Inc., shall control. Your VISA Card may not be used for any illegal transaction(s).VISA® DISCLOSURE SUMMARY Interest Rates and Interest Charges         CURRENT ANNUAL 950% Arr will vary based on the Prime Rate’ PERCENTAGE RATE RELATIONSHIP ANNUAL 8.00% APR will vary based on the Prime Rate? PERCENTAGE RATE You will have 25 days after the close of a Billing Cycle HOW TO AVOID to repay your balance for purchases made in that cycle PAYINGINTEREST | before being charged a finance charge. This grace ON PURCHASES period applies only if your beginning balance was zero ONLY or if your payments during the cycle equaled or exceeded the beginning balance. No grace period for (CARER FEE transferred balances. MINIMUM , PAYMENT 4.00% of Outstanding Balance : For Credit Card To learn more about factors to consider when applying for or Tips from the Consumer | using a credit card, visit the website of the Consumer Financial Financial Protection | Protection Bureau at: Bureau Www.consumerfinance.gov/learnmore               ANNUAL $15.00 MEMBERSHIP FEE (for credit limits less than $5,000) MINIMUM FINANCE FEES ne CASH ADVANCE FEES $2.00 Late Payment Fee: $2.50 or 5.0% of the late payment, LATE PAYMENT whichever is greater, but not to exceed $25.00. Over-the-Credit-Limit Fee: $10.00. OVER LIMITFEES | This serviceis available to customers who provide written authorization. INTERNATIONAL TRANSACTIONAL 1% of transaction CONVERSION FEE REPLACEMENT Lost/Damaged Card $5.00 CARD FEE Express Replacement $25.00       ‘Current Annual Percentage Rate = 3.50% (Prime Rate) + 6.00% (margin) Relationship Annual Percentage Rate = 3.50% (Prime Rate) + 4.50% (margin) See reverse side for details. ~ How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases) The information about the costs of the Card described in the Brochure/Application is accurate as of the publication date and may have changed after the printing date, To find out what may have changed, contact 1ST SUMMIT BANK, 125 Donald Lane, Johnstown, PA 15904 or call 814-262-4060 or 1-888-262-4010.