Commodore Bank- Card Regulations 

1. Agreement. These regulations govern the possession and use of credit cards (“card”) issued 
by Commodore Bank (“Issuer”). Each person who applies for a credit card and in whose name 
the card is issued (“Holder”) consents and agrees to these regulations and to the terms contained 
on the credit cards, sales drafts, credit adjustment memos and cash advance drafts, signed by or 
given to Holder or any authorized user of Holder’s cards. When credit cards are issued upon the 
application of two or more persons, all such persons shall be jointly and severally liable as Holders. 
The provisions of these regulations, as amended from time to time, govern Holder’s obligations, 
notwithstanding  any  additional  or  different  terms  contained  in  sales  drafts,  credit  adjustment 
memos, cash advance drafts or other forms signed by or given to Holder or any user of Holder ‘s 
cards to evidence a credit card transaction. Holder authorizes an investigation of Holder’s credit 
standing prior to the issuance of a credit card to Holder and at any time thereafter and authorizes 
disclosure of  information  to  third  parties  relating  to  Holder’s credit  standing. These  regulations 
apply to all credit cards issued to Holder or to others on Holder’s authorization and to any user of 
Holder’s cards. 
 2. Membership Fees. As a condition of participation in the issuer’s credit plan and the issuance 
of a card, Holder agrees that there is no annual membership fee for MasterCard consumer and 
business accounts. The membership fee described above entitles the Holder to two MasterCard 
cards. Holder agrees to pay a fee for each additional card requested. Please see Rates and Fees 
Disclosure Table for fees charged. 
 3. Use of Card. Credit for purchases from a merchant or a cash advance from a participating
financial institution may be obtained by Holder or an authorized user of Holder’s card presenting 
one of Holder’s cards to the merchant or participating financial institution and, if requested, by 
providing the proper identifying information and signing the appropriate drafts. Failure to sign a 
draft does not relieve the Holder of liability for purchases made or cash received. The use of this 
card for illegal transactions is prohibited. The card may also be used to obtain cash advances from 
certain  automated  equipment  provided  it  is  used  with  Holder’s  correct  Personal  Identification 
Number (“PIN”) issued to Holder. Holder may make only two cash advance withdrawals totaling 
not more than $200 each day from compatible ATM terminals. Terminals or terminal operators 
may have other limits on the amounts or frequency of cash withdrawals. Holder will not be liable 
for the unauthorized use of the card or PIN issued to Holder which occurs before issuer receives 
notification orally or in writing of loss, theft or possible unauthorized use of a card or PIN. Lost or 
stolen cards or PINS should be reported immediately to Issuer by notifying CUSTOMER SERVICE, 
P.O. Box 31535, Tampa, FL 33631-3535, and Telephone (866) 839-3485. 
 4. Use of Commodore Bank card Checks. Credit obtained by use of a Balance Transfer Check 
shall be treated as a credit purchase.  
 5. Credit Line. Holder will from time to time be informed of the amount of the approved credit line 
established  for  Holder,  and  Holder  covenants  not  to  make  credit  purchases  or  borrowings  in 
excess of that amount. Holder is liable for all purchases and borrowings made with Holder’s cards 
by Holder or by anyone authorized to use Holder’s cards. 
 6. Payment. Holder will be furnished a monthly statement for each billing period at the end of
which there is an undisputed debit or credit balance of $1.00 or more. Holder shall pay within 25 
days after each statement Closing Date either (a) the full amount billed (“New Balance”) or, at 
Holder’s option, (b) a minimum Payment of $10 or 1% of the New Balance, whichever is greater. 
Payments may be mailed to Commodore Bank 100 East Main St P.O. Box 460 Somerset, OH 
43783. Payments may be made, in person, at any Commodore Bank office. Payments received 
after 4:30 p.m. (EST) on any processing day or at any time on any non processing day will 
be considered as payments made on the following processing day. All payments by Holder 
will be applied first to payment of Interest Charges in the order of their entry to the account, second 
to additional fees and credit insurance charges, if any, in the order of their entry to the account, 
third to previously billed cash advances, purchases and other similar charges in the order of their 
entry to the account, and then to current cash advances, purchases and other similar charges in 
the order of their entry to the account. 
 7. Interest Charges. Holder shall pay Interest Charges as shown on Holder’s monthly statements, 
for each billing period in which there is a cash advance or the Previous Balance is not paid in full 
prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates 
and  Fees  Disclosure  Table.  We  figure  the  Interest  Charges  on  your  account  by  applying  the 
monthly Periodic Rate to the entire “Balance Subject to Interest Rate.” The additional charge for 
cash advances shall not apply to any cash advance obtained under a separate credit agreement 
with Holder and written in connection with these regulations. The “Balance Subject to Interest Rate” 
is the “average daily balance,” of the account (including current transaction). To get the “average 
daily  balance,”  we  take  the  beginning  balance  of  the  account  each  day,  add  any  new  cash 
advances, credit purchases and other charges, and subtract any payments or credits, unpaid late 
charges, unpaid membership fees and unpaid Interest Charges. This gives us the daily balance. 
Then, we 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 us the “AVERAGE DAILY BALANCE.” Interest Charges for 
credit purchases begin on the date the purchase is posted to the account unless the Previous 
Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit 
purchases made during the statement period and the Previous Balance will be excluded from the 
calculation  of  the  “average  daily  balance”  if  the  Previous  Balance  shown  on  the  front  of  the 
statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash 
advances begin on the date the advance is posted to the account. Holder may avoid additional 
Interest Charges on an account by paying in full the New Balance shown on the account’s monthly 
statement within 25 days after the Closing Date for that statement. 
 8. Variable  Annual  Percentage  Rate.  The  current  monthly  Periodic  Rate  and  corresponding
ANNUAL PERCENTAGE RATE for new accounts are disclosed on the accompanying card mailer. 

These rates may vary monthly and shall be adjusted on the first day of each billing period (“Change 
Date”). The ANNUAL PERCENTAGE RATE on each Change Date shall equal the highest prime rate 
published in The Wall Street Journal “Money Rates” tables on the last date of publication in the calendar 
month preceding each Change Date (“Index Rate”), PLUS a Margin. For more information on current 
margin(s), please refer to the Rates and Fees Disclosure Table. The monthly Periodic Rate is 1/12th of 
the ANNUAL PERCENTAGE RATE. Beginning on the date an adjustment in the rate is effective and 
until the next Change Date, the monthly Periodic Rate then in effect will be applied to the balance in the 
account  to  determine  the  Interest  Charges.  An  adjustment  in  the  monthly  Periodic  Rate  and 
corresponding  ANNUAL  PERCENTAGE  RATE  will  apply  both  to  the  outstanding  balances  in  the 
account and to new cash advances, (including any balance transfers from other credit card accounts), 
credit purchases, and other charges. An increase or decrease in the Index Rate will cause and increase 
or decrease in the monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE and may 
increase the amount and number of minimum payments. If the Index Rate ceases to be made available, 
Issuer may substitute a substantially similar index and margin. 
 9. How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to 
the  highest  U.S.  Prime  Rate  published  in  the  Money  Rates  section  of  The  Wall  Street  Journal  two 
business  days  (not  weekends  or  federal  holidays)  before  the  closing  date  shown  on  your  billing 
statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate 
will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the 
APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The 
Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street 
Journal stops publishing the Prime Rate, we will select a similar reference rate. 
 10. Additional Fees. For a listing of fees charged in association with this card, please see the Rates 
and Fees Disclosure Table accompanying this Agreement. These charges will not be imposed if Holder’s 
request is in connection with or delivery of the documents in response to an alleged billing error under 
Regulations E or Z issued by the Board of Governors of the Federal Reserve System. Fees imposed 
will be posted to Holder’s account. 
 11. Security Interest. All credit advanced to Holder for credit purchases or cash advances constitutes 
loans made by Issuer to Holder in the state of Ohio . Issuer disclaims as security for loans made to 
Holder under these regulations any security interest it may at any time have in household goods or real 
property. Except as disclaimed above, loans made to Holder after the effective date of these regulations 
may be secured by collateral given by any Holder to secure other loans from Issuer. 
 12. Foreign Transactions. If a Holder’s card is used to effect a transaction in a foreign currency, the 
transaction amount will be converted to U.S. dollars by MasterCard, MasterCard converts currency to 
U.S. dollars using either the government mandated exchange rate or the wholesale exchange rate, in 
effect one day before the date of the conversion, as applicable. The exchange rate is increased by 1% 
if  the  conversion  is  made  in  connection  with  a  charge  to  an  account  and  decreased  by  1%  if  the 
conversion is made in connection with a credit to an account. The date of conversion by MasterCard 
may  differ  from  the  purchase  date  and  the  posting  date  identified  in  the  monthly  statement  for  the 
account. Holder agrees to pay charges and accept credits for the converted transaction amounts in 
accordance with the terms of this paragraph. 
 13. Disputes. Issuer is not responsible for refusal by any merchant, financial institution or automated 
equipment  to  honor  or  accept  a  card.  Except  as  provided  in  the  Federal  Truth-in-Lending  laws(as 
indicated  in  the  Summary  of  Billing  Rights  below),  Issuer  has  no  responsibility  for  merchandise  or 
services obtained by Holder with a card and any dispute concerning merchandise or services will be 
settled between Holder and the merchant concerned. 
 14. Default.  Holder  covenants  to observe and  comply  with  these  regulations  and covenants not  to
permit an event of default to occur. Upon the occurrence of any one or more of the following events of 
default: (a) Holder fails to pay at least the Minimum Payment when due on two occasions within any 12-
month period; or (b) Holder dies, ceases to exist, changes residency to another state, becomes insolvent 
or  the  subject  of  bankruptcy  or  insolvency  proceedings  or  fails  to  observe  any  covenant  or  duty 
contained in these regulations, if such event or breach materially impairs Holder’s ability to pay amounts 
due;  the  full  amount  of  Holder’s  account  for  which  the  default  occurred  (including  unpaid  Interest 
Charges) shall, at Issuer’s option become immediately due and payable if Holder does not cure the 
default within 15 calendar days after notice is mailed to the address of Holder, or given as otherwise 
provided by law. Issuer has this right, without notice and opportunity to cure; if the default is the Holder’s 
third default within 12 months and the Holder is notified of the prior two defaults and the Holder cured 
those defaults. 
 15. Termination. Holder’s consent to these regulations may be terminated at any time by surrendering 
the cards issued to Holder or at Holder’s written request, but such termination shall not affect Holder’s 
obligations as to any balances or charges outstanding at the time of termination. Termination by any 
Holder shall be binding on each person in whose name the card is issued. If Holder’s spouse terminates 
this credit plan, the full amount of Holder’s account (including unpaid Interest Charges) may be declared 
immediately due and payable. Issuer may terminate Holder’s privilege to use the cards if Holder moves 
out of the service area of Issuer, as defined by Issuer from time to time. Unless sooner terminated, the 
privilege to use the cards shall expire on the date shown on the cards. At any time, without liability to 
Holder and without affecting Holder’s liability for credit previously extended, Holder’s privilege to use the 
cards may be revoked or limited to the extent not prohibited by law. The cards are and shall remain the 
property of Issuer and Holder agrees to surrender them to Issuer upon demand. 
 16. Amendments. Issuer may amend these regulations from time to time by sending Holder advance 
written notice not less than 90 days prior to the effective date for any change, that is either adverse 
to Holder’s outstanding balance or increases certain fees, as required by the Ohio Consumer Act from 
time to time, or not less than 15 days prior to the effective date for other changes, or as may otherwise 
be required or permitted by law. To the extent that Issuer indicates in the notice and that the law permits, 
amendments will apply to Holder’s existing account balance as well as to future transactions. Notices 

are deemed given when mailed by Issuer to any Holder to the current address for mailing monthly 
statements. Invalidity of any provision of these regulations shall not affect the validity of any other 
provisions unless otherwise provided by the Ohio Consumer Act. 
 17. Governing Law. Holder agrees to be governed by the Ohio Consumer Act with respect to all 
aspects of  the  transactions  arising  under  these  regulations.  All  statutory  references are  to  the 
statutes as they may be renumbered or amended from time to time. 
 18. Disputing Transactions. If you think that there is an error on your statement, write to the 
address shown on the billing statement, after the phrase "Please send billing inquiries to ..." In 
your letter please include the following information, (a) your name and account number, (b) the 
dollar amount of the transaction being disputed, (c) A description of what you believe is wrong and 
why you believe it to be a mistake. You must contact us within 60 days after the error has appeared 

on your statement. You must notify us of any potential error in writing (or electronically). You may call 
us but without a written dispute we are not requires to investigate any potential error. While the dispute 
is under investigation, whether or not the transaction is an error the following are true, (a) We cannot try 
to collect the amount in question, or report you as delinquent on that amount, (b) the charge in question 
may remain on your statement, and we may continue to charge you interest on the amount. But if we 
do determine that the charge was in fact an error, you will not have to pay the amount in question or any 
interest or any fees related to that amount. (c) While you are not responsible for the remainder of your 
balance. (d) We can apply any unpaid amount against your credit limit. 
 We  may  report  information  about  your  account  to  credit  bureaus.  Late  payments,  missed 
payments, or other defaults on your account may be reflected in your credit report.