Minimum Payment each month without fail. If at any time I make a payment 
in an amount greater than the Minimum Payment then due, the amount of 
payment in excess of the Minimum Payment will reduce the amount of the 
payment due for the next billing cycle if I am not in default of this Agreement 
and the Account is not closed. If the New Balance on my Periodic Statement 
is $10.00 or less, the Minimum Payment is the New 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. 

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.

          g. 

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.

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.

Dollar Bank Credit Card - Variable Rate
Line of Credit Agreement - Disclosure Statement

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 6 months. 
After that, your APR will be 9.99%.
This APR will vary with the market based 
on the Prime Rate.
0.00% APR introductory rate for the 昀椀rst 
6 months.
After that, your APR will be 9.99%. 
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.

Your Rights if You Are Dissatis昀椀ed With Your Credit Card Purchases

Fees

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.
 F4044-A  

            CCD214_22
                                       300/CDI

Annual Fee 

None

Transaction Fees 
• Balance Transfer

• Cash Advance

• Foreign Transaction 

Either $5.00 or 1% of the amount of the 
transfer, whichever is greater, for the 昀椀rst 
6 months. Then $5.00 or 3% of the transfer, 
whichever is greater. Maximum fee is 
$150.00. 

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 

                9.99% (v) 

         0.0274%

                            (WSJ Prime + 5.99%)

               Balance Transfers                  9.99% (v) 

         0.0274%

                            (WSJ Prime + 5.99%)

               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  昀椀nancial      
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 + 5.99%; 
(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 
10.99%, and the daily periodic rate would be 0.0301% 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  6  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