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 � : ________%  
    For Purchases          
     
                            Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World �  Mastercard � : ________% Introductory APR for 12 billing cycles. 
                            After that Your APR will be ________%.  
                            Your APR will vary with the market based on the Prime Rate. 
                           
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : ________% Introductory Rate until the December 2022 cycle date. 
    For Balance Transfers  
                            After that, Your APR will be ________% 
                            This APR will vary with the market based on the Prime Rate. 
                             
                          Premium World �  Mastercard � : ________% Introductory Rate until the December 2022 
                            cycle date. 
                            After that, Your APR will be ________% 
                            This 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       
                           
    ?  Balance Transfer   4.00% of each transfer 
    ?  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 FRB_Web CLEA (8/21) 
   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  Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
   place that it is honored and to get cash advances at participating financial institutions.  will not be added to Your principal balance. You understand that any delay in the  
   You agree not to use Your Card for illegal transactions including, but not limited to,  repayment of Your unpaid balance will increase Your periodic Finance Charges and 
   advances made for the purpose of gambling and/or wagering where such practices  any acceleration in the repayment of Your unpaid balance will decrease Your 
   are in violation of applicable state and/or federal law.  periodic Finance Charges.  
                                              
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as  Platinum Mastercard �  and Premium World �  Mastercard �  Minimum Payments will 
   security and that there are no other liens against them other than Ours. You agree  be an amount equal to 2.00% of Your new unpaid Platinum Mastercard �  or Premium 
   to perform all acts which are necessary to make Our security interest in the shares  World �  Mastercard �  balance at the end of each billing cycle, subject to the lesser 
   and/or collateral being pledged enforceable.  of $20.00 or Your balance, plus any portion of the Minimum Payments shown on 
                                             prior statement(s)  which  remains unpaid,  plus  any  amount that  exceeds  Your 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given  approved Credit Limit. 
   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  You may, by separate agreement, authorize Us to charge Your payment directly to 
   "Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.  Your share or share draft account. 
                                              
   LIEN ON SHARES. You grant and consent to a lien on Your shares with  LATE CHARGE. If Your payment is one or more days late, You will be charged the 
     
   Us (except for IRA and Keogh accounts) and any dividends due or to  lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge 
   become due to You from Us to the extent You owe on any unpaid Credit  within 6 months of previously incurring a late charge); or (b) the amount of the 
   Card balance.                             required minimum payment.  
                                              
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  RETURNED PAYMENT FEE. You will be charged a fee for any check (or other 
   Credit Card for which You are approved. Unless You are in default, any Credit Limits  negotiable instrument used for payment) which is returned unpaid. The fee will be 
   established for You will generally be self-replenishing as You make payments.   an amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You 
                                             have incurred a returned payment fee within 6 months of previously incurring a 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You  returned payment fee); or (b) the required minimum payment amount for the 
   understand that We may decline any transaction that would exceed that Credit Limit.  returned payment. 
   In addition, You will pay any amount over Your Credit Limit on Our demand whether   
   or not We authorize the advances which caused You to exceed Your Credit Limit.  OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees 
   Even if Your unpaid balance is less than Your Credit Limit, You will have no credit  associated with the use of Your Card: (a) $30. 00 for each replacement Card that 
   available during any time that any aspect of Your Account is in default.  You request be provided on an expedited basis; (b) $5.00 for each replacement 
                                             Personal Identification Number (PIN) that You request; (c) $5.00 for each sales 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  draft  or  statement  copy  You  request;  (d)  a  cash  advance  fee 
   repayment of any amounts owed. If any Account access device, such as a Personal  FINANCE?CHARGE in an amount equal to 3.00% of each advance obtained at 
   Identification Number (PIN) is requested and approved, You understand that any  a financial institution and/or ATM; and (e) a 4.00% FINANCE CHARGE for each 
   such Account access device(s) will be mailed only to the primary Borrower at the  balance transfer. 
   address that We have on file for You. We may refuse to follow any instructions which   
   run counter to this provision.            FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum 
                                             Mastercard �   and  Premium  World �   Mastercard � ,  the  balances  subject  to  the 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  periodic Finance Charge are the average daily transactions balances outstanding 
   only pay the Minimum Monthly Payments, You understand that You have the right  during the month (including new transactions). To get the average daily balance, We 
   to repay at any time without penalty. You also understand that You will only be  take the beginning balance each day, add any new purchases, cash advances, 
   charged periodic Finance Charges to the date You repay Your entire balance. You  balance transfers, insurance premiums, debit adjustments or other charges and 
   may make larger payments without penalty. Any partial payment or prepayment will  subtract any payments, credits and unpaid Finance Charges. This gives Us the daily 
   not delay Your next scheduled payment. All payments to Us must be in lawful money  balance. Then, We add up all the daily balances for the billing cycle and divide them 
   of the United States. Unless instructed otherwise, We may apply each payment to  by the number of days in the billing cycle. The Finance Charge for a billing cycle is 
   whichever Card We wish. Except as required by law, the order in which We may  computed by multiplying the average daily balance subject to a Finance Charge by 
   apply payments is at Our discretion.      the Monthly Periodic Rate. 
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 2 of 4                                                             OTBS 016CC-Variable FRB_Web CLEA (8/21) 
                                              
   You can avoid Finance Charges on purchases by paying the full amount of the  ENFORCEMENT. We do not lose Our rights under this or any related agreement 
   entire balance owed each month within 25 days of Your statement closing date.  if We delay enforcing them. We can accept late payments, partial payments or any 
   Otherwise, the new balance of purchases, and subsequent purchases from the  other payments, even if they are marked "paid in full" without losing any of Our 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  rights under this Agreement. If any provision of this or any related agreement is 
   advances and balance transfers are always subject to a Finance Charge from the  determined to be unenforceable or invalid, all other provisions remain in full force 
   date of the transaction.                  and effect. 
                                              
   During the first 12 billing cycles following the date that You establish a Premium  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   World �  Mastercard �  Credit Card, Your entire balance for purchases will be subject  or otherwise have a change of address. 
   to a Monthly Periodic Rate of _____________% (corresponding to an ANNUAL   
   PERCENTAGE RATE of _____________%). Upon the expiration of the Introductory  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   Rate  period,  the  Monthly  Periodic  Rate  applicable  to  Your  entire  balance  of  delivering to You written notice of the changes as prescribed by the Federal Truth-
   purchases  existing  at  that time and  in the future  will  immediately  increase  to  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   __________% (corresponding ANNUAL PERCENTAGE RATE of _________%).  Agreement includes, but is not limited to, the right to change the periodic rate 
                                             applicable to Your unpaid balance and/or future advances. 
   Platinum Mastercard balance transfer transactions are subject to a discounted   
   Introductory  Monthly  Periodic  Rate  of  _________%  (corresponding  ANNUAL  INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your 
   PERCENTAGE  RATE  _________%)  until  ____________________.  Upon  the  Account, and is delivered together with this Agreement or at a later date becomes 
   expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to  an integrated part of this Agreement and Disclosure. 
   Your entire balance of balance transfers existing at that time and in the future will   
   immediately increase to __________% (corresponding ANNUAL PERCENTAGE  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   RATE of _________%).                      Agreement. By signing the application; or by using Your Account or any Account 
                                             access device; or by authorizing another to use Your Account, You agree to and 
                                             accept its terms. 
   Premium World Mastercard balance transfer transactions are subject to a discounted   
   Introductory  Monthly  Periodic  Rate  of  _________%  (corresponding  ANNUAL  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   PERCENTAGE  RATE  _________%)  until  ____________________.  Upon  the  to update information contained in Your original Account application or other financial 
   expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to  information related to You, at Our request. You also agree that We may, from time 
   Your entire balance of balance transfers existing at that time and in the future will  to time, as We deem necessary, make inquiries pertaining to Your employment, 
   immediately increase to __________% (corresponding ANNUAL PERCENTAGE  credit standing and financial responsibility in accordance with applicable laws and 
   RATE of _________%).                      regulations. You further agree that We may give information about the status and 
                                             payment  history  of  Your  Account  to  consumer  credit  reporting  agencies,  a 
   VARIABLE RATE. All advances are subject to a Variable Rate which is based on  prospective employer or insurer, or a state or federal licensing agency having any 
   the highest Prime Rate as published in the money rates section of The Wall Street  apparent legitimate business need for such information.  
   Journal  in  effect  on  the  day  that  any  Introductory  Rate  Period  expires,  and   
   subsequently, on the last day of each month of each year ("Index") plus Our Margin.  TERMINATION. Either You or We may cancel Your Account or any particular 
   The Index plus the Margin equals the Interest Rate. Changes in the Index will cause  Credit Card of Your Account, at any time, whether or not You are in default. You 
   changes in the Interest Rate on the day that any Introductory Rate Period expires,  will, in any case, remain liable to pay any unpaid balances according to the terms 
   and subsequently, on the first day of the billing cycle immediately following any such  of Your Account. 
   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  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   regularly scheduled payments. Your Interest Rate will never be greater than 18.00%,  Commonwealth of Pennsylvania except to the extent that such laws are inconsistent 
   and will apply to Your remaining principal balance.   with controlling federal law. 
                                              
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   all transactions on Your Account including amounts paid and borrowed since Your  time without notice. You agree to surrender Your Card and to discontinue its use 
   last statement. We will mail You a statement each month in which there is a debit or  immediately upon Our request. 
   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  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
   proceedings against You because You defaulted. Each statement is deemed to be a  request, a Personal Identification Number (PIN) for use with participating ATMs. This 
   correct statement of account unless You establish a billing error pursuant to the  PIN is confidential and should not be disclosed to anyone. You may use Your PIN to 
   Federal Truth-In-Lending Act.             access Your Account and all sums advanced will be added to Your balance. In the 
                                             event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  conditions of Your Electronic Fund Transfer Agreement may also affect Your rights.  
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,   
   You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   reported lost or stolen; (3) Your Account has been cancelled or has expired. If a  slips You may sign or receive when using Your Card contain terms, this Agreement 
   postdated Convenience Check is paid and, as a result, any other Convenience Check  is the contract which solely applies to all transactions involving the Card. 
   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. 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform any  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   obligation under this Agreement, or any other agreement that You may have with Us;  loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing 
   or (b) You should die, become involved in any insolvency, receivership or custodial  to Us at the address shown in this Agreement. In any case, Your liability will not 
   proceeding brought by or against You; or (c) You have made a false or misleading  exceed $50.00. 
   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  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the 
   You or any attachment or garnishment should be issued against any of Your property  refusal or inability of merchants, financial institutions and others to accept the Cards or 
   or rights, specifically including anyone starting an action or proceeding to seize any  Convenience Checks, or electronic terminals to honor the Cards or complete a Card 
   of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your  withdrawal, or for their retention of the Cards or Convenience Checks. 
   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. 
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 3 of 4                                                             OTBS 016CC-Variable FRB_Web CLEA (8/21) 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  �  We cannot try to collect the amount in question, or report You as delinquent 
   electronic terminal or financial institution at which transactions were made, but sales,    on that amount. 
   cash advances, credit or other slips cannot be returned with the statement.  �  The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  �  While You do not have to pay the amount in question, You are responsible for 
   or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to    the remainder of Your balance. 
   Us at the address shown in this Agreement.   �  We can apply any unpaid amount against Your Credit Limit. 
                                              
   CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or  After We finish Our investigation, one of two things will happen: 
   adjustments, they 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  �  If We made a mistake: You will not have to pay the amount in question or any 
   against future purchases and cash advances, or if it is $1.00 or more refund it on Your    interest or other fees related to that amount. 
   written request or automatically deposit it to Your share account after six months.  �  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 
        Your Billing Rights: Keep this Document for Future Use    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.  
   This notice tells You about Your rights and Our responsibilities under the Fair   
   Credit Billing Act.                       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 
         What To Do If You Find A Mistake On Your Statement  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 
   If You think there is an error on Your statement, write to Us at Our address shown in  We must let those organizations know when the matter has been settled between 
   this Agreement. In Your letter, give Us the following information:  Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
                                             of the amount You question even if Your bill is correct. 
   �  Account information: Your name and Account number.   
   �  Dollar amount: The dollar amount of the suspected error.  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   �  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.   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 
   You must contact Us:                      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: 
   �  Within 60 days after the error appeared on Your statement.   
   �  At least 3 business days before an automated payment is scheduled, if You  1)  The purchase must have been made in Your home state or within 100 miles 
     want  to stop payment on the amount You think is wrong.     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 
   You must notify Us of any potential errors in writing. You may call Us, but if You do    was based on an advertisement We mailed to You, or if We own the company 
   We are not required to investigate any potential errors and You may have to pay the    that sold You the goods or services.) 
   amount in question.                       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 
           What Will Happen After We Receive Your Letter    account do not qualify. 
                                             3)  You must not yet have fully paid for the purchase.  
   When We receive Your letter, We must do two things:   
                                             If all of the criteria above are met and You are still dissatisfied with the purchase, 
   1)  Within 30 days of receiving Your letter, We must tell You that We received Your  contact Us in writing at Our address shown in this Agreement.  
     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  While We investigate, the same rules apply to the disputed amount as discussed 
     explain to You why We believe the bill is correct.  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 
   While We investigate whether or not there has been an error:  as delinquent.
                                              
                                              
    
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.  Page 4 of 4                                                             OTBS 016CC-Variable FRB_Web CLEA (8/21) 
    
                                  PRICING INFORMATION ADDENDUM �  
                                  CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT              
                          THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR PLATINUM MASTERCARD �  AND 
        8805 University Boulevard  PREMIUM WORLD �  MASTERCARD �  CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE BE SURE TO READ 
        Moon Township, PA 15108  THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
     
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at the 
    For Purchases         time You establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World �  Mastercard � : 0.00% Introductory APR for 12 billing cycles. 
                          After that Your APR will be 12.25% - 18.00% based on Your creditworthiness at 
                          the time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                              
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 0.00% introductory APR for______ billing cycles. 
    For Balance Transfers    After that, Your APR will be 9.24% - 18.00% based on Your creditworthiness, and 
     
                             will vary with the market based on the Prime Rate. 
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Premium World �  Mastercard � : 0.00% introductory APR for______ billing cycles. 
                             After that, Your APR will be 9.24% - 18.00% based on Your creditworthiness, and 
                             will vary with the market based on the Prime Rate. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 18.00% based on Your creditworthiness at the time You 
    For Cash Advances     establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World �  Mastercard � : 12.25% - 18.00% based on Your creditworthiness at the 
                          time You establish Your Account. 
                             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. 
     
     Fees 
                           
     Transaction Fees      
                           
     ?  Balance Transfer    4.00% of each transfer. 
     ?  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.  
    
    FINANCE CHARGES. In the case of any transactions under Your Platinum Mastercard �  and Premium World �  Mastercard �  Credit Card, the balances subject to the periodic 
    Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the 
    beginning balance each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges and subtract any payments, 
    credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in 
    the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 
     
    You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. 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. Cash advances and balance 
    transfers are always subject to a Finance Charge from the date of the transaction. 
     
    For Platinum Mastercard�, balances for purchases will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE 
    RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. For Balance transfer transactions Your entire balance for balance transfers, 
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.   Page 1 of 2                         OTBS 016A CC-Variable FRB_WEB CLEA (8/21) 
    
    for _________ billing cycles, You will be subject to a Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of the 
    Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of balance transfers existing at that time and in the future will immediately increase to 
    0.7700% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balances 
    for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), based 
    on Your creditworthiness at the time You establish Your Account. 
     
    For Premium World� Mastercard� purchase transactions, during the first 12 billing cycles following the date that You establish a Premium World� Mastercard� Credit Card, 
    Your entire balance for purchases will be subject to a Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of 
    the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to 
    1.0208% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. For 
    Balance transfer transactions Your entire balance for balance transfers, for _____ billing cycles, You will be subject to a Monthly Periodic Rate of 0.0000% (corresponding 
    ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of balance 
    transfers existing at that time and in the future will immediately increase to 1.0208% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based 
    on Your creditworthiness at the time You establish Your Account. Balances for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 1.0208% - 1.5000% 
    (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), 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 day that any Introductory Rate Period expires, and subsequently, on the last day of each month of each year ("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 day that any Introductory Rate Period expires, and subsequently, on the 
    first day of the billing cycle immediately following 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.  
     
    For Premium World �  Mastercard � , the Margin will be 9.00% - 15.00% depending on Your creditworthiness. For Platinum Mastercard � , the Margin will be 5.99% - 14.75%, 
    depending on Your creditworthiness.  
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.   Page 2 of 2                         OTBS 016A CC-Variable FRB_WEB CLEA (8/21)