P.O. Box 2573 
Fort Wayne, IN 46801-2573 

Interest Rate and Interest Charges

Annual Percentage Rate 
(APR) For Purchases 

CREDIT CARD AGREEMENT  
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  3RIVERS  MASTERCARD  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS 
REGARDING  THE  USE  OF  YOUR  3RIVERS  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. 

3Rivers Mastercard: _______%  

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

3Rivers Mastercard: _______%  

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

3Rivers Mastercard: _______%  

This 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 of Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

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 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 

  Cash Advance 
  Overdraft Protection Transfer 
  Foreign Transaction 

3.00% of each advance. 
3.00% of each transfer.  
1.00% of each foreign currency transaction in U.S. Dollars. 
1.00% of each foreign U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

  Late Payment  
  Returned Payment 

Up to $25.00  
Up to $25.00 

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. 

DEFINITIONS. In this Agreement, the references to "We," "Us," "Our" and "Credit Union" mean THREE RIVERS FEDERAL CREDIT UNION. The words "You" and "Your" mean 
each person who accepts this Agreement or uses the 3Rivers Mastercard Credit Card. The words "Card" and "Credit Card" mean any 3Rivers Mastercard Credit Card issued to You 
by Us and any duplicates or renewals. The word "Account" means the 3Rivers Mastercard Credit Card Account established for You under this Agreement. "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 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. 

Type of Credit Card 

Variable Rate 

Index  

Margin 

Monthly Periodic 
Rate 

Annual 
Percentage Rate 

 3RIVERS MASTERCARD 

________%  

________% 

________% 

________% 

Copyright Oak Tree Business Systems, Inc., 2011-2021. All Rights Reserved. 

Page 1 of 3  

                                                                              OTBS 016CC FRB_WEB THRE (1/21) 
Rev. (1/21) 

 
 
 
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. 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. 

CONSENSUAL  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. 

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 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. 
As permitted by law, We may apply payments in an order of Our choosing. 

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. 

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 later of the date 
they are posted to Your Account or from the first day of the billing cycle in which the 
cash advance is posted to Your Account. 

VARIABLE RATE. 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 billing cycle ("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 1st day of the billing cycle that immediately follows 
a  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.  Changes  in  the  rate  will  apply  to  Your  remaining 
principal balance and will not be greater than 18.00%. 

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 provide You with a statement each billing cycle 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. 

Minimum Payments will be an amount equal to 1.50% of Your new unpaid balance at 
the end of each billing cycle, subject to the lesser of $15.00 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. 

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.  

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 more than 10 days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  

COLLECTION COSTS. In the event collection efforts are required to obtain payment 
on  this  Account,  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. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such increments as We may from time to time determine) to Your share draft account 
by an advance on Your 3Rivers Mastercard Credit Card, subject to this provision, to 
clear any Overdraft on Your share draft account. Whether or not such transfers occur 
will be controlled by this Agreement. In any event, You hold Us harmless for any and 
all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur.  Overdraft 
Protection automatically ceases if this Agreement is ever cancelled or terminated or 
Your Account is in default. 

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. 

OTHER  FEES  AND  CHARGES.  You  will  be charged the following  fees  associated 
with  the  use  of  Your  Card:  (a)  lesser  of  $25.00  for  any  check  (or  other  negotiable 
instrument  used  for  payment)  which  is  returned  unpaid,  or  the  required  minimum 
payment  amount  for  the  returned  payment;  (b)  a  cash  advance  fee  FINANCE 
CHARGE equal to 3.00% of each advance; and (c) an overdraft protection transfer 
fee FINANCE CHARGE equal to 3.00% of each transfer. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances outstanding during the month (new and previous). To get the average daily 
balance,  We  take  the  beginning  balance  of  Your  Account  each  day,  add  any  new 
purchases, cash advances, 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 

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. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit 
under this Agreement.  However, You  may  purchase  any credit  insurance  available 
through Us and have the premiums added to Your outstanding balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper,  which  is  delivered 
together with this Agreement or separately at a later date becomes an integrated part 
of this Agreement and Disclosure. 

Copyright Oak Tree Business Systems, Inc., 2011-2021. All Rights Reserved. 

Page 2 of 3  

                                                                              OTBS 016CC FRB_WEB THRE (1/21) 
Rev. (1/21) 

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 
State of Indiana, except to the extent that such laws are inconsistent with controlling 
federal law. 

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 Automated 
Teller  Machines  (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  Account  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.  

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 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.  

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. 

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. 

•  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. 

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. Cardholders must call (844) 344-3874 or 
write 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 their retention of the Cards or Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  currencies,  the 
exchange rate between the transaction currency and the billing currency (U.S. Dollars) 
will be: (a) a rate selected by Mastercard from the range of rates available in wholesale 
currency markets for the applicable central processing date, which rate may vary from 
the rate Mastercard 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 1.00% of the final settlement amount. For transactions 
occurring in foreign countries and initiated in U.S. Dollars, You will be charged 1.00% 
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, cardholders must immediately call Us at (844) 344-3874 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 6 months. 

Your Billing Rights: Keep this Document for Future Use 

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, 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.  

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

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., 2011-2021. All Rights Reserved. 

Page 3 of 3  

                                                                              OTBS 016CC FRB_WEB THRE (1/21) 
Rev. (1/21) 

P.O. Box 2573 
Fort Wayne, IN 46801-2573 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

PRICING INFORMATION ADDENDUM – 
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  3RIVERS  MASTERCARD 
CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY 
PARTS ARE UNCLEAR. 

3Rivers Mastercard: 11.70% - 17.70% based on Your creditworthiness at the 
time You open Your Account. 

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

3Rivers Mastercard: 11.70% - 17.70% based on Your creditworthiness at the time You 
open Your Account. 

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

3Rivers Mastercard: 11.70% - 17.70% based on Your creditworthiness at the time You 
open Your Account. 

This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Fees 

Transaction Fees 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days of Your statement closing date. We will begin  charging interest on 
cash advances and balance transfers on the transaction date. 

  Cash Advance 
  Overdraft Protection Transfer 
  Foreign Transaction 

3.00% of each advance. 
3.00% of each transfer.  
1.00% of each foreign currency transaction in U.S. Dollars. 
1.00% of each foreign U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

  Late Payment  
  Returned Payment 

Up to $25.00  
Up to $25.00 

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  You r 
Account Agreement.  

FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances 
outstanding during the month (new and previous). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, cash 
advances, 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 later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance 
is posted to Your Account. 

Your 3Rivers Mastercard  is subject to a current variable Monthly  Periodic  Rate  of  0.9750%  - 1.4750%  (corresponding to an  ANNUAL  PERCENTAGE  RATE  of 11.70% - 
17.70%), depending on Your creditworthiness. 

VARIABLE RATE. 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 billing cycle ("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 1st day of the billing cycle that immediately follows a 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. Changes in the rate will apply to Your remaining principal balance and will not be greater 
than 16.95%. 

Your Margin will be determined by Your creditworthiness, and for 3Rivers Mastercard will be 7.70% - 13.70%. 

Copyright Oak Tree Business Systems, Inc., 2011-2022. All Rights Reserved. 

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 OTBS 016ACC FRB_WEB THRE (1/21) 
Rev. (6/22)