CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS;  VISA  SIGNATURE,  VISA  PLATINUM,  STUDENT  VISA  AND  SECURED  VISA 
AGREEMENTS;  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA  SIGNATURE,  VISA 
PLATINUM,  STUDENT  VISA  AND  SECURED  VISA  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. 

8805 University Boulevard 
Moon Township, PA 15108 

DEFINITIONS. In this Agreement, the reference 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 VISA Signature, VISA Platinum, Student VISA and Secured VISA Credit Card(s). The words "Card" and 
"Credit  Card"  mean  the  VISA  Signature,  VISA  Platinum,  Student  VISA  or  Secured  VISA  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. 

USE  OF  YOUR  CARD.  You may  use  Your  Card  to  buy  goods  and  services in  any  place  that  it  is honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

SECURITY. You acknowledge that You own any shares and/or collateral pledged as security and that there are no other liens against them other than Ours. You 
agree to perform all acts which are necessary to make Our security interest in the shares and/or collateral being pledged enforceable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may have with Us 
will secure all amounts You owe Us now and in the future if that status is reflected in the “Truth-in-Lending Disclosure” in any particular Agreement evidencing 
such debt. 

LIEN ON SHARES. You grant and consent to a lien on Your shares with Us (except for IRA and Keogh accounts) and any dividends due or to become 
due to You from Us to the extent You owe on any unpaid Credit Card balance. 

ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA Credit Card, You agree to give Us a specific pledge of shares which will equal Your 
Credit Limit. In the event that You default on Your Account, We may apply these shares toward the repayment of any amount owed on Your Secured VISA Credit 
Card. You may cancel Your Secured VISA Credit Card at any time by paying any amounts owed on Your Secured VISA Credit Card. To be certain that Your entire 
balance and all advances on Your Account are paid, any shares pledged may not be available to You for 30 days after You have cancelled and any outstanding 
balance is paid in full. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each Credit Card for which You are approved. Unless You are in default, any Credit 
Limits established for You will generally be self-replenishing as You make payments.  

You will keep Your unpaid balance within Your Credit Limit set by Us, and You understand that We may decline any transaction  that would exceed that Credit 
Limit. 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.  Even  if  Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit  available  during  any  time  that  any  aspect  of  Your  Account  is 
in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a 
Personal  Identification  Number  (PIN)  is  requested  and  approved,  You  understand  that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary 
Borrower at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision. 

MINIMUM MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE). Though  You  need  only  pay  the  Minimum  Monthly  Payments,  You  understand  that  You  have  the 
right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. 
You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in 
lawful money of the United States. Unless instructed otherwise, We may apply each payment to whichever Card We wish. Except as required by law, the order in 
which We may apply payments is at Our discretion.  

Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in 
the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease 
Your periodic Finance Charges.  

VISA Signature, VISA Platinum, Student VISA and Secured VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid VISA Signature, VISA 
Platinum, Student VISA or Secured VISA balance at the end of each billing cycle, subject to the lesser 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 approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. 

LATE CHARGE. If Your payment is one or more days late, You will be charged the lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late 
charge within 6 months of previously incurring a late charge); or (b) the amount of the required minimum payment.  

RETURNED PAYMENT FEE. You will be charged a fee for any check (or other negotiable instrument used for payment) which is returned unpaid. The fee will be 
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 
returned payment fee); or (b) the required minimum payment amount for the returned payment. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

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                                           OTBS 016CC-Variable FRB_WEB CLEA (4/17) 
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OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) $7.50 for each replacement Card You request; 
(b) $30 for each replacement Card that You request be provided on an expedited basis; (c) $5 for each replacement Personal Identification Number (PIN) that You 
request; (d)  
$5.00  for  each  sales  draft  or  statement  copy  You  request;  and  (e)  a  cash  advance  fee  FINANCE CHARGE  of  3.00%  of  each  advance  obtained  at  a  financial 
institution and/or ATM. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  VISA  Signature,  VISA  Platinum,  Student  VISA  or  Secured  VISA  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. 

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section  of The Wall 
Street Journal in effect on the last 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 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  additional  Federal  Truth-In-Lending  disclosures,  including  the  applicable  Margin,  Monthly  Periodic  Rate  and  corresponding  Annual  Percentage 
Rate, refer to the separate page that We will provide prior to the time of Your first credit advance. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since 
Your last statement. We will mail You a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed. We need not send 
You  a  statement  if We  feel  Your  Account  is  uncollectible  or  if We  have  started  collection  proceedings  against  You  because  You  defaulted.  Each  statement  is 
deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.  

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are  under  no  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 reported lost or stolen;  (3) Your Account has been 
cancelled or has expired. If a postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not responsible for 
any resulting loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should 
be filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or 
soon will be impaired, time being of the very essence.  

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the return of all access devices and 
declare the entire balance of Your Account immediately due and payable, without prior notice or demand.  

COLLECTION COSTS. In the event collection efforts are required to obtain payment on this Account, and to the extent permitted by law, You agree to pay all 
court costs, private process server fees, investigation fees or other costs incurred in collection and reasonable attorneys’  fees incurred in the course of collecting 
any amounts owed under this Agreement or in the recovery of any collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or 
any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. 

CHANGE IN  TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the  Federal 
Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic 
rate applicable to Your unpaid balance and/or future advances. 

INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your Account, and is delivered together with this Agreement or at a later date becomes 
an integrated part of this Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this 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. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Account application or other 
financial information related to You, at Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your 
employment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about 
the status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

TERMINATION. Either You or We may cancel Your Account or any particular Credit Card of Your Account, at any time, whether or not You are in default. You will, 
in any case, remain liable to pay any unpaid balances according to the terms of Your Account. 

GOVERNING  LAW.  This  Agreement  is  controlled  and  governed  by  the  laws  of  the  Commonwealth  of  Pennsylvania  except  to  the  extent  that  such  laws  are 
inconsistent with controlling federal law. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

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                                           OTBS 016CC-Variable FRB_WEB CLEA (4/17) 
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OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your request, a Personal Identification Number (PIN) for use with participating 
ATMs. This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to 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 conditions of Your Electronic Fund Transfer Agreement may 
also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other  slips  You  may  sign  or  receive  when  using  Your  Card  contain  terms,  this 
Agreement is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of 
the loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing to Us at the address shown in this Agreement. In any case, Your liability 
will not exceed $50.00. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others to 
accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to  honor  the  Cards  or  complete  a  Card  withdrawal,  or  for  thei r  retention  of  the  Cards  or 
Convenience Checks. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the 
billing  currency  (U.S.  dollars)  will  be:  (a)  a  rate  selected  by  VISA  from  the  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing date, which rate may vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. 
For transactions that are initiated in a foreign currency, You will be charged 2.00% of the final settlement amount. For transactions occurring in foreign countries 
and initiated in U.S. Dollars, You will be charged 2.00% of the final settlement amount. 

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions were made, but sales, 
cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards or Convenience Checks, You will immediately call Us at (800) 449-7728 or 
write to Us at the address shown in this Agreement.  

CREDITS. If  a merchant  who  honors  Your  Card  gives You credit for  returns  or  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 against future purchases and cash advances, or if it is $1.00 or 
more refund it on Your written request or automatically deposit it to Your share account after six months.   

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 

Your Billing Rights: Keep this Document for Future Use 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. In Your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.  

You must contact Us: 
•  Within 60 days after the error appeared on Your statement. 
•  At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.  

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.  

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

1)  Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 
2)   Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. 

 While We investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
•  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. 
•  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. 
•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

• 
• 

If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of 
the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.  

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as delinquent, 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

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and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the 
first $50.00 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1)  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 $50.00. (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 dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.  

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

    Page 4 of 4                       

                                           OTBS 016CC-Variable FRB_WEB CLEA (4/17) 
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PRICING INFORMATION ADDENDUM –  
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

8805 University Boulevard 
Moon Township, PA 15108 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  VISA  PLATINUM,  VISA 
SIGNATURE,  STUDENT  VISA  AND  SECURED  VISA  CREDIT  CARD  AGREEMENT  AND  DISCLOSURE.  PLEASE  BE 
SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Platinum: 9.99% - 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. 

VISA Signature: 0.00% Introductory APR for 9 billing cycles. 
After that Your APR will be 12.65% - 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. 

Student VISA: 9.99% - 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. 

Secured VISA: 9.99% - 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) 
For Balance Transfers  

VISA Platinum: 9.99% - 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. 

VISA Signature: 12.65% - 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. 

Student VISA: 9.99% - 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. 

Secured VISA: 9.99% - 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) 
For Cash Advances 

VISA Platinum: 9.99% - 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. 

VISA Signature: 12.65% - 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. 

Student VISA: 9.99% - 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. 

Secured VISA: 9.99% - 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. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

     Page 1 of 2                                                                          OTBS 016A CC-Variable FRB_WEB CLEA (6/17) 
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Interest Rate and Interest Charges (Continued) 

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 

  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment 
  Returned Payment 

3.00% of each advance. 
2.00% of each foreign currency transaction in U.S. dollars. 
2.00% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $35.00 if Your payment is late 
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  VISA  Platinum,  VISA  Signature,  Student  VISA  or  Secured  VISA  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. 

During the first 9 billing cycles following the date that You establish a VISA Signature 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  1.0542%  -  1.5000%  (corresponding 
ANNUAL PERCENTAGE RATE of 12.65% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 

The Monthly Periodic Rate that will apply to Your unpaid balances for VISA Platinum, Student VISA or Secured VISA will be .8325%  - 1.5000% (corresponding 
ANNUAL PERCENTAGE RATE 9.99% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 

VARIABLE RATE. Except for during any Introductory Rate period, 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 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 
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  additional  Federal  Truth-In-Lending  disclosures,  including  the  applicable  Margin,  Monthly  Periodic  Rate  and  corresponding  Annual  Percentage 
Rate, refer to the separate page that We will provide prior to the time of Your first credit advance. 

Copyright Oak Tree Business Systems, Inc., 2010-2017. All Rights Reserved. 

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