Balance. Otherwise, the Minimum Payment is computed by multiplying
the  New  Balance  by  2.00%.  If  my  Account  is  past  due,  the  Minimum          
Payment  will  also  include  the  past  due  amount.  I  agree  that  you  may 
change the method of 昀椀guring the Minimum Payment from time to time upon                                                                                                                         
45 days prior notice to me. As explained in paragraph 8 above, the periodic 
FINANCE  CHARGE  is  imposed  by  application  of  a  daily  periodic  rate  to 
the  “average  daily  balances”  of  Purchases,  Balance  Transfers  and  Cash 
Advances.

13.     Fees.
          a. 

          b. 

          c. 

          d. 

          e. 

          f. 

          g. 

Late Payment Fee. 
My  Minimum  Payment  will  be  past  due  if  it  is  not  received  by  you 
on  or  before  the  Payment  Due  Date  shown  on  the  applicable                          
Periodic Statement. A late fee will be charged to my Account if at least 
the Minimum Payment (which includes any past due amount) is not 
received by you within Three (3) days after the Payment Due Date 
in any month. The late fee shall be equal to $25 for the 昀椀rst late fee 
in any six consecutive billing cycles and $35 for any additional late 
payment during the same six consecutive billing cycles. However, in 
no event shall the late fee be greater than the Minimum Payment due 
prior to the charging of the late fee. You agree that you will not charge 
a late fee for the same event or transaction in which you charge a 
returned check payment fee.
Returned Payment Check Fee. 
If  I  make  payment  by  check  and  the  check  is  returned  unpaid  for 
any reason, my Account will be charged a returned check payment 
fee. The returned payment check fee shall be equal to $25 for the 
昀椀rst  late  fee  in  any  six  consecutive  billing  cycles  and  $35  for  any                        
additional  returned  check  during  the  same  six  consecutive  billing    
cycles.  However, in no event shall the returned payment check fee 
be greater than the Minimum Payment due prior to the date on which 
the check is returned. You agree that you will not charge a returned 
check payment fee for the same event or transaction in which you 
charge a late fee. 
Stop Payment Fee.  
A $10 fee will be charged to my Account if I request that you place a 
stop payment on a Credit Access Check.
Check Printing Fees.  
My Credit Access Checks are free. 
Copy Fees.  
If  I  request  a  copy  of  a  Periodic  Statement,  a  charge  slip  or  other 
document not in connection with a billing error, you will charge my 
Account as follows: 

(1)        $3  for  each  copy  of  a  Periodic  Statement  other  than  the          
Periodic Statement for the current billing cycle or the two preceding 
billing cycles; and
(2)       $2 for each copy of a charge slip or other document.

Foreign Exchange Fee.
A 3% fee, with a minimum of $0.50, will be charged to my Account 
for  each  Advance  involving  currency  other  than  U.S.  Dollars.  The 
amount of any such Advance will be converted into U.S. Dollars.  The 
exchange rate used to convert foreign currency into U.S. Dollars for 
any such Advance will be selected by Mastercard from the range of 
exchange rates available in the wholesale currency markets or the 
applicable  government-mandated  exchange  rate.  The  3%  fee  will 
be charged to my Account based on the U.S. Dollar amount of the 
Advance.
Lost Card Fee.
You reserve the right to charge me a fee of $10.00 for replacement 
of lost cards.

14.    Credit Access Checks.  Credit Access Checks are available upon request 
after the initial supply. You reserve the right to review and deny any requests 
for Credit Access Checks due to unsatisfactory Account status.

15.     Application of Payments. Payments you receive from me will be applied as
follows: (1) you will apply payments 昀椀rst to interest and then to credit life 
charges, if applicable (2) you will then apply payments to fees that are not 
late charges; (3) you will then apply payments to balances with the highest 
APR and then to balances in descending order based on APR (highest to 
lowest) treating late fees as purchases. 

16.     Events of Default. I will be in default under this Agreement if any of the 
following  events  or  circumstances  occurs:  (a)  if  I  fail  to  comply  with  the 
Minimum  Payment  or  any  other  terms,  covenants  or  conditions  of  this 
Agreement,  or  of  any  other  agreement  I  have  with  you;  (b)  if  I  made  a              
material  false  or  misleading  statement  in  my  credit  application;  (c)  if  I                                          
exceed my Limit; (d) if I die or become insolvent; (e) if a petition is 昀椀led or 
other proceedings are started under the Federal Bankruptcy Code of any 
state insolvency statute by or against me; (f) if a judgement or tax lien is 
昀椀led against me; (g) if a Receiver is appointed for me; or (h) if a writ or order 
of attachment, levy or garnishment is issued or any proceeding is started 
against me or any of my property, assets or income.

17.     Entire Balance Due. If any of the above events or circumstances of defaults
occurs, your obligation to make further Advances to me shall, at your option 
and without prior notice to me, immediately end and my entire Outstanding 
Balance shall, at your option, become immediately due and payable without 
prior notice to me. Upon acceleration, interest  shall be  due  on the  entire 
Principal Balance at the variable ANNUAL PERCENTAGE RATE provided
in  Section  8.a.3,  until  paid  in  full,  including  after  you  obtain  a  judgement 
against me.

18.     Termination. You or I may terminate this Agreement at any time by providing
notice to the other, and no further Advances to me shall occur. Termination 
will not affect my obligation to repay amounts owed under the Plan. I agree 
to return all Credit Cards and Credit Access Checks to you upon termination 
of this Agreement.

19.     Amendments. You may amend the terms of this Agreement, from time to 
time, upon written notice to me at my address shown in your records. Except 
as otherwise permitted by law, my use of the Plan after the effective date 
of such amendment shall constitute consent to the new terms, and the new 
terms shall apply to both new Advances made on or after the effective date 
and  to  any  unpaid  Outstanding  Balances  that  I  owe  you  on  the  effective 
date.

20.     Joint and Several Liability. If more than one person signs an application for 
          a Credit Card, each of us is separately and all of us jointly are obligated
          under this Agreement. Each of us is authorized to act on behalf of the other 
          person(s) with regard to the Plan and the Agreement and written notice to 
          one person is notice to the other person(s).

21.     Liability for Unauthorized Use. If I notice the loss or theft of my credit card
or a possible unauthorized use of my card, I should write to you immediately
at  Credit  Card  Operations,  P.O.  Box  1700,  Pittsburgh,  PA  15230  or  call 
1-877-732-2296.  I  will  not  be  liable  for  any  unauthorized  use  that  occurs 
after I notify you.  I may, however, be liable for unauthorized use that occurs 
before my notice to you. In any case, my liability will not exceed $50. I will 
not be liable for the unauthorized use of my credit card for transactions
covered by Mastercard’s Zero Liability Policy.  I understand that the 
Mastercard Zero Liability Policy does not apply to commercial credit cards 
or ATM transactions or PIN transactions not processed by Mastercard.  I 
understand I may be liable for the unauthorized use of my credit card for 
transactions not covered by Mastercard’s Zero Liability Policy. 

22.     Change of Address. I will advise you promptly if I change my mailing 
address.    All  written  notices  and  statements  from  you  to  me  will  be              
considered  given  when  placed  in  the  U.S.  Mail,  postage  prepaid,  and                 
addressed to me at my current address in your records. 

23.     Miscellaneous. You shall have no liability for any third party refusal to
accept  or  honor  the  Credit  Card  or  Credit  Access  Checks.  Foreign              
Purchases  and  Cash Advances  are  subject  to  monetary  exchange  rates 
which will be re昀氀ected on my statements. You may accept late payments 
or partial payments, or checks, drafts or money orders marked “Payment 
in  Full,”  without  losing  any  of  your  rights  under  this  Agreement.  If  any                         
provision of this Agreement is held to be invalid, such invalidity will not affect 
the remaining provisions. This Agreement is governed under the laws of the 
Commonwealth of Pennsylvania and federal law.

24.     Military Lending Act. Through the Military Lending Act, federal law
provides important protections to members of the Armed Forces and their 
dependents  relating  to  extensions  of  consumer  credit.  In  general,  the        
cost of consumer credit to a member of the Armed Forces and his or her
dependent may not exceed an annual percentage rate of 36 percent. This 
rate must include, as applicable to the credit transaction or account: The 
cost associated with credit insurance premiums; fees for ancillary products 
sold in connection with the credit transaction; any application fee charged 
(other than certain application fees for specified credit transactions or 
accounts); and any participation fee charged (other than certain participation
fees for a credit card account).

Payment Obligation (Military Lending Act)
You must pay a Minimum Payment each month. If the New Balance 
on your Periodic Statement is $10.00 or less, the Minimum Payment 
is the New Balance. Otherwise, your Minimum Payment is calculated 
by multiplying the New Balance by 2.00%.

Oral Disclosures (Military Lending Act)
Please  call  1-844-565-6725  (toll-free)  to  receive  oral  disclosures 
about the Military Lending Act and your related Credit Card payment 
obligations.

Cash Back Rebate Terms and Conditions (For Rebate Cards Only)
Rebates are calculated as 1.25% of net monthly purchases (total purchases less 
credit and returns), which will be displayed on Periodic Billing Statements as “Cash 
Back Rebate.” 
Open  accounts  that  are  not  in  default  under  this  Agreement  or  otherwise                   
restricted will accumulate rebates; however the Cash Back Rebate Amount must 
be at least $10.00 before a distribution will be made.  The rebate will be distributed       
semi-annually in January and July and will be based on rebate balances at the 
end of December and June. Accounts with rebate amounts of less than $10.00 
or that are in default or otherwise restricted are not eligible for distributions.  If an 
account is not eligible for a distribution for any reason in one distribution period, the 
accumulated rebates will carry over to the next period. If an account is closed for 
any reason, all accumulated Cash Back Rebates for that account will be forfeited.
The  account  holder  is  responsible  for  any  taxes  on  Cash  Back  Rebates.                 
Dollar Bank reserves the right to cancel or otherwise change the terms applicable 
to the Cash Back Rebate program at any time with 30 days prior written notice.
YOUR BILLING RIGHTS: KEEP THIS NOTICE 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:

Dollar Bank Card Services, 2700 Liberty Avenue, Pittsburgh, PA 15222

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.

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 昀椀nish 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 昀椀rst $50 of the 
amount you question even if your bill is correct.
Your Rights if You Are Dissatis昀椀ed With Your Credit Card Purchases
If you are dissatis昀椀ed 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 that 
purchase. To use that right, all of the following must be true:

1.  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.)

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 account do not qualify.
3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatis昀椀ed with the purchase, 
contact us in writing at:

Dollar Bank Card Services, 2700 Liberty Avenue, Pittsburgh, PA 15222

While we investigate, the same rules apply to the disputed amount as discussed 
above.   After  we  昀椀nish  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.

       Equal Housing Lender. Member FDIC. 
Copyright © 2022, Dollar Bank, Federal Savings Bank.
 F4054-A 

            CCD214_22 
                  500/CDI

Dollar Bank Credit Card - Credit Card - Variable Rate 
Line of Credit Agreement - Pricing Information
There are two parts to this Credit Card Agreement: 
Dollar Bank Pricing Information and the Dollar Bank Customer Agreement.

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

APR for Balance 
Transfers 

0.00% APR introductory rate for the 
昀椀rst 12 months. 
After that, your APR will be 13.99%.
This APR will vary with the market based 
on the Prime Rate.
0.00% APR introductory rate for the 昀椀rst 
12 months.
After that, your APR will be 13.99%. 
This APR will vary with the market based on 
the Prime Rate. 

APR for Cash Advances

14.99%. This APR will vary with the 
market based on the Prime Rate. 

How to Avoid
Paying Interest
on Purchases 

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.

Minimum Finance 
Charge 

If you are charged interest, the charge will 
be no less than $0.50.

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:
https://www.consumer昀椀nance.gov/learnmore.

Fees

Annual Fee 

None

Transaction Fees 
• Balance Transfer

Either $5.00 or 1% of the amount of the 
transfer, whichever is greater, for the 昀椀rst 
12 months. Then $5.00 or 3% of the transfer, 
whichever is greater. Maximum fee is 
$150.00. 

• Cash Advance

• Foreign Transaction 

Either $5.00 or 3% of the cash advance, 
whichever is greater. 
3% of the $US value of each transaction. 
$0.50 minimum.

Penalty Fees

• Late Payment
• Returned Payment

Up to $35.00
Up to $35.00

Information  is  current  as  of  June  1,  2022  and  may  change  thereafter.  For  details,  call   
1-800-242-2265. For active duty service members and their dependents, please see 
item 24 of this agreement for the Military Lending Act disclosures.
How We Will Calculate Your Balance:  We use a method called "average daily balance” 
(including new purchases). See your account agreement for more details.
Loss of Introductory APR:  We may end your introductory APR if your payment is more 
than 30 days past due. Your regular rate will then apply.
Billing  Rights:    Information  on  your  rights  to  dispute  transactions  and  how  to  exercise 
those rights is provided in your account agreement.

 
 
 
 
 
 
 
 
 
This  Agreement  and  Disclosure  Statement  contains  the  terms  and  conditions 
which apply to my line of credit plan (the “Plan”) with Dollar Bank, Federal Savings 
Bank.

1.     Meaning of Certain Words. The words “I,” “me,” and “my,” which also mean
“we,” “us,” and “our” if more than one customer, mean the person or persons 
who use or authorize the use of the Credit Card or sign an application for a 
credit card. The words “you,” “your,” and “yours” mean Dollar Bank, Federal
Savings Bank. “Credit Card” means the Mastercard cards issued in my name 
for use with my Account. “Account” means the account on your books that 
records the Purchases I make, the Balance Transfers I make and the Cash 
Advances  I  get  from  you  pursuant  to,  and  also  all  FINANCE  CHARGES 
and other charges and fees you impose from time to time under the Plan.           
“Advance” means any extension of credit I obtain under the Plan, whether in 
the form of a Purchase, a Balance Transfer or a Cash Advance. “Purchase” 
means a purchase of goods or services that I charge to my Account pursuant 
to the Plan. “Balance Transfer” means a transfer of money I owe to another 
credit card company to my Dollar Bank Credit Card Account. “Cash Advance” 
means any extension of credit I obtain under the Plan which is not a Purchase 
or  Balance Transfer.  “Credit Access  Checks”  means  special  checks  drawn 
on my Account which are available at the Plan opening and then which are 
available only if I request them.

2.     Use of Credit Card Plan.   My use of the Account or Credit Card means that
I  accept  this  Agreement.  The  Plan  permits  me  to  make  Purchases  from     
merchants, make Balance Transfers and obtain Cash Advances. I may make 
Purchases by presenting the Credit Card to a merchant and signing a sales 
slip or by providing my Account number and other appropriate information to 
a merchant. I may make a Balance Transfer by using Credit Access Checks. 
I may obtain Cash Advances by using Credit Access Checks or by using the 
Credit  Card  at  昀椀nancial  institutions  or  automated  teller  machines  (“ATMs”) 
that accept the credit card. If the Credit Card is used at a 昀椀nancial institution, 
I must sign a Cash Advance request. If the Credit Card is used at an ATM, 
I  must  use  my  Personal  Identi昀椀cation  Number  (“PIN”)  and  instructions  via 
the ATM  will  be  the  same  as  a  written  Cash Advance  request  bearing  my 
signature. All advances under the Plan which are paid or advanced by you 
are loans to me. I will not use my Credit Card, make a Balance Transfer or 
write a Credit Access Check to obtain loans in excess of the Available Credit 
(the difference between the Outstanding Balance and the Limit, as de昀椀ned                           
below)  on  my Account.  I  will  not  make  a  Balance Transfer  from  any  other 
Dollar Bank term loan, line of credit, credit card or other loan. I agree that 
any such Balance Transfer is void and you may reverse any such Balance 
Transfer.

3.     Ownership. The Credit Card remains your property and may be cancelled by 
you at any time without notice. I agree to surrender the Credit Card and all 
other access devices and to discontinue use of the Plan by any other means 
immediately upon your request.

4.     Maximum Credit Limit. You will provide me with notice of the total dollar 
amount  against  which  I  may  obtain Advances  under  the  Plan  (the  “Limit”).        
I agree that you may reduce the Limit at any time upon notice to me. I agree 
never to allow the total balance that I owe you from time to time, including the 
principal balance and accrued FINANCE CHARGES and other charges and 
fees imposed under the Plan (the “Outstanding Balance”) to exceed the Limit. 
I also agree that you are not obliged to, but may in your sole discretion, extend 
credit to me for an amount that would make the Outstanding Balance exceed 
the Limit, or for any amount if the Outstanding Balance is already over the 
Limit. I shall pay any amounts which exceed my Limit upon demand.

5.     You Agree. Subject to my promise not to let my Outstanding Balance exceed 
my Limit: you agree (1) to pay the merchant for all properly drawn sales slips 
which bear the imprint of the Credit Card and are signed by me or which are 

otherwise authorized; and (2) to honor properly drawn Credit Access Checks 
and requests for Cash Advances which bear the imprint of the Credit Card 
and are signed by me or which include my PIN; and (3) to execute Balance 
Transfers in a timely manner regardless of the method I choose to enable 
this option.

6.     I Agree. I agree (1) to pay you for all Advances, fees and charges, if any, and 
FINANCE  CHARGES  on  my  Account,  in  U.S.  Dollars  according  to  the 
terms and conditions of this Agreement; (2) to provide you with such credit                 
information as you may request from time to time; (3) to notify you in writing 
if a Periodic Statement (as de昀椀ned below) is incorrect within 60 days of the 
date it is mailed, and that my failure to do so means the statement is correct 
and accepted by me; (4) to pay, as permitted to be charged under applicable 
law, costs and expenses (including reasonable attorney fees) incurred by you 
in any collections proceedings initiated to collect amounts owed to you by me; 
(5) to notify you of any lost or stolen Credit Cards or Credit Access Checks; 
and (6) not to permit anyone other than myself to use the Credit Card, Credit 
Access Checks or any other feature of the Credit Card Plan.

7.     Periodic Statement. If there is any activity on my Account or there is an
Outstanding  Balance  on  my  Account,  you  agree  to  send  me  a  Periodic      
Statement showing the amount of all Cash Advances, Purchases, Balance 
Transfers, FINANCE CHARGES and other charges or fees, and payments 
and  credit  posted  to  my  Account  during  the  billing  cycle  (the  “Periodic                               
Statement”).  The  Periodic  Statement  will  also  show  me  the  total  amount 
due  as  of  the  end  of  the  billing  cycle  (the  “New  Balance”),  the  average                   
daily balances of my Purchases, Balance Transfers and Cash Advances, the 
minimum  monthly  payment  amount  (the  “Minimum  Payment”)  and  the  due                                                                                                               
date for the receipt of the Minimum Payment (the “Payment Due Date”).

8.     Finance Charge. I also agree to pay a FINANCE CHARGE on my Account

which you will impose as follows:
a.  Periodic FINANCE CHARGE

The periodic FINANCE CHARGE will not be imposed on Purchases and 
Balance Transfers on my current Periodic Statement if I pay the total New 
Balance shown on my current Periodic Statement by the Payment Due 
Date. Otherwise, the periodic FINANCE CHARGE will be imposed on the 
Purchases, Balance Transfers and Cash Advances from the transaction
date  of  the  Purchase,  Balance  Transfer  or  Cash  Advance  except  as          
described below: 

(1)   Minimum Periodic FINANCE CHARGE
If periodic FINANCE CHARGES on Purchases or Balance Transfers
are imposed for the current billing cycle, a minimum Periodic Finance 
Charge of $.50 on Purchases or Balance Transfers will be imposed 
for  any  such  billing  cycle  in  which  periodic  FINANCE  CHARGE  of 
less than $.50 on Purchases or Balance Transfers would otherwise 
be imposed.
(2)   Partial Grace Period for Periodic FINANCE CHARGES
If during the previous billing cycle, my New Balance was paid in full by 
the  Payment  Due  Date,  then  in  the  current  billing  cycle  you  will 
provide  a  grace  period  on  the  amount  of  the  Purchase  or  Balance 
Transfer balance remaining from the previous billing cycle that is paid 
by the Payment Due Date for the current billing cycle based on how 
payments are applied to my Account. 
(3)   You will compute the periodic FINANCE CHARGE for the current
billing cycle as follows:
     (A)     Purchases

Periodic FINANCE CHARGES on Purchases are imposed 
for the current billing cycle  unless  I paid,  by  the Payment 
Due  Date,  the  total  New  Balance  shown  on  my  Periodic 
Statement. You 昀椀gure the interest charge for Purchases on 
my Account by applying the periodic rate for Purchases to 
the “average daily balance” for Purchases.  To get the

“average  daily  balance”  you  take  the  beginning  balance 
of  my  Account  each  day  for  Purchases,  add  any  new                
Purchases and subtract any unpaid interest or other 昀椀nance 
charges  and  any  payments  or  credits. This  gives  you  the 
daily balance for Purchases.  Then, you add up all of the 
daily  balances  for  the  billing  cycle  and  divide  the  total  by 
the number of days in the billing cycle. This gives you the 
“average daily balance” for Purchases. I understand that the 
“average  daily  balance”  of  current  billing  cycle  Purchases 
will be multiplied by the number of days in the billing cycle 
and then by the daily periodic rate to determine the periodic 
FINANCE CHARGES on Purchase balances for the current 
billing cycle. 

     (B)     Balance Transfers

Periodic  FINANCE  CHARGES  on  Balance  Transfers 
are  imposed  for  the  current  billing  cycle  unless  I  paid,  by 
the  Payment  Due  Date,  the  total  New  Balance  shown  on 
my  Periodic  Statement.  You  昀椀gure  the  interest  charge  for        
Balance Transfers on my Account by applying the periodic 
rate  for  Balance  Transfers  to  the  “average  daily  balance” 
for  Balance  Transfers.  To  get  the  “average  daily  balance” 
you  take  the  beginning  balance  of  my Account  each  day 
for Balance Transfers, add any new Balance Transfers and 
subtract any unpaid interest or other 昀椀nance charges and 
any payments or credits. This gives you the daily balance 
for  Balance  Transfers.  Then,  you  add  up  all  of  the  daily                                           
balances  for  the  billing  cycle  and  divide  the  total  by  the 
number  of  days  in  the  billing  cycle.  This  gives  you  the                                                                                     
“average daily balance” for Balance Transfers. I understand 
that  the  “average  daily  balance”  of  current  billing  cycle                   
Balance Transfers will be multiplied by the number of days 
in  the  billing  cycle  and  then  by  the  daily  periodic  rate  to 
determine  the  periodic  FINANCE  CHARGES  on  Balance 
Transfer balances for the current billing cycle.

     (C)     Cash Advances

Periodic  FINANCE  CHARGES  are  imposed  on  Cash          
Advances for the current billing cycle. You 昀椀gure the interest
charge  for  Cash  Advances  on  my  Account  by  applying 
the periodic rate for Cash Advances to the “average daily                                                                                                
balance” for Cash Advances. To get the “average daily 
balance”  you  take  the  beginning  balance  of  my  Account 
each day for Cash Advances, add any new Cash Advances 
and subtract any unpaid interest or other 昀椀nance charges 
and any payments or credits. This gives you the daily 
balance  for  Cash Advances.  Then,  you  add  up  all  of  the 
daily  balances  for  the  billing  cycle  and  divide  the  total  by 
the number of days in the billing cycle. This gives you the 
“average  daily  balance”  for  Cash Advances.  I  understand 
that the “average daily balance” of current billing cycle Cash 
Advances  will  be  multiplied  by  the  number  of  days  in  the 
billing cycle and then by the daily periodic rate to determine 
the periodic FINANCE CHARGES on Cash Advances.

(4)     Periodic FINANCE CHARGES will be figured by applying a 
variable daily periodic rate (determined according to the chart below 
and the  Variable Rate Disclosures set forth  below) to  the “average 
daily balances” of Purchases, Balance Transfers and Cash Advances 
as explained above.

YOU WILL APPLY A DAILY PERIODIC RATE AS FOLLOWS:

ANNUAL PERCENTAGE
RATE*

DAILY PERIODIC
RATE*

               Introductory Rates:
               Purchases 
                 0.00% (f) 
               Balance Transfers                   0.00% (f) 

         0.00%
         0.00%

               Regular Rates:
               Purchases 

              13.99% (v) 

         0.0383%

                            (WSJ Prime + 9.99%)

               Balance Transfers                13.99% (v) 

         0.0383%

                            (WSJ Prime + 9.99%)

               Cash Advances 

              14.99% (v) 

         0.0411%

                            (WSJ Prime + 10.99%)

       * Listed rates are calculated based on the WSJ Prime Rate (described later) 
as of June 1, 2022 and may change thereafter.  For current rate calculations
call 1-800-242-2265.

             (f) – 昀椀xed
             (v) – variable

The daily periodic rate for the billing cycle is 1/365th of the
corresponding ANNUAL PERCENTAGE RATE in effect for the billing 
cycle except in a leap year in which case the daily periodic rate for the 
billing cycle is 1/366th of the corresponding ANNUAL PERCENTAGE 
RATE in effect for the billing cycle. The corresponding ANNUAL 
PERCENTAGE  RATE  may  change  (increase  or  decrease)  monthly 
based on changes in the WSJ Prime Rate, as described in the 
Variable Rate Disclosures below. 

Transaction FINANCE CHARGE
(1)     For Balance Transfers.
For  Balance Transfers  obtained  by  using  Credit Access  Checks  or 
by any other means which you may provide to me, the Transaction         
FINANCE  CHARGE  is  1%  of  the  amount  of  each  such  Balance 
Transfer  during  the  Introductory  Period,  after  which  the  amount  of 
each transfer is 3% of each Transfer. In either case, the minimum fee 
is $5.00 and the maximum fee is $150.00.
(2)     For Cash Advances.
For Cash Advances obtained by using the Credit Card at financial
institutions  that  accept  the  Credit  Card,  by  using  Credit  Access 
Checks  or  by  using  the  Credit  Card  at  automated  teller  machines 
or  similar  machines  that  accept  the  Credit  Card,  the  Transaction                           
FINANCE CHARGE is 3% of the amount for each such Cash 
Advance, with a $5.00 minimum fee for each such Cash Advance.

          b. 

9.     Variable Rate Disclosures. Minimum and Maximum APR.

a.  I understand that the daily periodic rate and the corresponding ANNUAL

PERCENTAGE  RATE  are  variable  rates  that  may  change  (increase  or       
decrease) from time to time based on movements of the WSJ Prime rate. 
The  “WSJ  Prime  Rate”  means  the  Prime  Rate  (the  highest  of  multiple 
prime Rates) published in the “MONEY RATES” column of The Wall Street 
Journal. The  WSJ  Prime  Rate  is  not  represented  or  intended  to  be  the 
lowest or most favorable rate of interest offered to your customers. Any 
change  in  the  corresponding ANNUAL  PERCENTAGE  RATE  based  on 
a change in the WSJ Prime Rate will take effect on the 昀椀rst day of the 
billing cycle following a change in the WSJ Prime Rate in effect on the 
10th day of the prior calendar month. If the 10th falls on a day when The 
Wall Street Journal is not published, the WSJ Prime Rate will be the Prime 
Rate published the last date prior to the 10th. For example, a change in the 
WSJ Prime Rate of one percentage point on the 10th day of any calendar 
month (or the last publication date prior to the 10th) will result in a one                                                                                                                                 
percentage  point  change  in  the  same  direction  in  the  corresponding         
ANNUAL  PERCENTAGE  RATE  throughout  the  next  billing  cycle.  Any 
change in the corresponding ANNUAL PERCENTAGE RATE will apply to 
new Advances and to existing Account Balances on my Account. I also 

understand  that  the  daily  periodic  rate  will  always  be  1/365  of  the          
corresponding ANNUAL PERCENTAGE RATE. For example, if (1) my 
initial corresponding ANNUAL PERCENTAGE RATE has been the WSJ 
Prime Rate + 9.99%; (2) the prior WSJ Prime Rate had been 4.00% but 
increased to 5.00% as of December 10, 2021, and my next billing cycle 
started on January 1, 2022, the corresponding ANNUAL PERCENTAGE 
RATE would be 14.99%, and the daily periodic rate would be 0.0411% 
throughout my January 1 billing cycle.

     b.     I understand that the corresponding ANNUAL PERCENTAGE RATE will
not fall below 0.00% or exceed the maximum rate authorized from time 
to time by applicable Pennsylvania or federal law.  Further, I know that 
an  increase  in  the  corresponding ANNUAL  PERCENTAGE  RATE  will 
result in  an increase in the amount of periodic FINANCE CHARGE, the 
Minimum Payment and the Outstanding Balance.

     c.   You may offer a special introductory ANNUAL PERCENTAGE

RATE. If you do, it will be disclosed as the Introductory corresponding 
ANNUAL PERCENTAGE RATE (together with the introductory daily 
periodic  rate)  and  will  apply  to  my Account  for  12  months  after  my 
Account opening. The initial daily periodic rate and the corresponding 
ANNUAL PERCENTAGE RATE that would have been in effect were it 
not for the introductory rate would be disclosed as the Regular Rate. 
The introductory rate will apply to Purchases and Balance Transfers. 
It will not apply to Cash Advances. 

10.     Credit Life Insurance.  If I request it, you will obtain and finance the 
purchase of credit life insurance on my life if I am under the age of 
66  in  PA,  OH,  MD,  NC  and  WV  and  if  I  am  under  the  age  of  70  in 
VA, payable to you in an amount equal to the Outstanding Balance 
from  time  to  time  subject,  however,  to  any  maximum  limitations 
established by the insurer in the applicable certification policy. If more 
than one person signs an application for a Credit Card, I understand 
that only one of the persons can be covered and that person to whom 
the coverage is applicable must sign the credit life insurance request 
section  of  the  application  for  a  Credit  Card. This  coverage  will  end 
when  the  insured  person  reaches  66  years  of  age  in  PA,  OH,  MD, 
NC and WV and 70 years of age in VA. For coverage of the insured 
person,  you  will  impose  a  charge  each  month.  The  amount  of  the 
charge may be updated periodically. The “Life Insurance Balance” is 
the total amount due as of the end of the billing cycle. I understand I 
do not need to take out any credit insurance to obtain my Credit Card 
or  open  my Account,  and  I  may  cancel  any  credit  insurance  at any 
time by notifying you in writing. If I choose Credit Life Insurance, the 
current rates are 70¢ per month in Pennsylvania, 62¢ per month in 
Ohio, 62¢ per month in Virginia, 76¢ per month in Maryland, 68¢ per 
month  in  North  Carolina  and  $1.25  per  month  in  West  Virginia  per 
one thousand dollars of the Life Insurance Balance. I understand that 
these  rates  are  subject  to  change  without  notice  and  may  increase 
after my Account is opened. 

11.     Payments.  I must mail all payments due under the Plan to the address

you furnish me from time to time. I can pay my Outstanding Balance in    
full at any time. Since the Periodic FINANCE CHARGE is computed by 
application  of  daily  rate  to  the  “average  daily  balances”  of  Purchases, 
Balance Transfers and Cash Advances, as explained above, the exact 
amount  required  to  pay  the Account  in  full  cannot  be  determined  from 
my  Periodic  Statement. Thus,  whenever  I  wish  to  pay  my  Outstanding 
Balance in full, I must contact you to determine the Outstanding Balance.

12.     Minimum Payment. I may pay either the entire Outstanding Balance or

less than the total amount due unless the entire Outstanding Balance has 
become due as provided in paragraph 17 below; however, I must pay a 
Minimum  Payment  each  month  without  fail.  If  the  New  Balance  on  my 
Periodic Statement is $10.00 or less, the Minimum Payment is the New