Three Rivers Federal Credit Union 
P.O. Box 2573 
Fort Wayne, IN 46801-2573 

CREDIT CARD AGREEMENT AND 
DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  MASTERCARD  PLATINUM  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS 
REGARDING  THE  USE  OF  YOUR  MASTERCARD  PLATINUM  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. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Mastercard Platinum: _______%  

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

Mastercard Platinum: _______%  

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

Mastercard Platinum: _______%  

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 
  Foreign Transaction 

Penalty Fees 

  Late Payment  
  Returned Payment 

3.00% of each advance  
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. 

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 reference 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 Mastercard Platinum Credit Card. The words "Card" and "Credit Card" mean any Mastercard Platinum Credit 
Card  issued  to  You  by  Us  and  any  duplicates  or  renewals.  The  word  "Account"  means  the  Mastercard  Platinum  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 

 MASTERCARD PLATINUM 

________%  

________% 

________% 

________% 

Copyright Oak Tree Business Systems, Inc., 2011 - 2018. All Rights Reserved. 

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                                                                           OTBS 016CC FRB_WEB THRE (11/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

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. 

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. 

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. 

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.  

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;  and  (b)  a  cash  advance  fee  FINANCE 
CHARGE equal to 3.00% of each advance. 

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. 

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. 

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,  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. 

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 - 2018. All Rights Reserved. 

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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 - 2018. All Rights Reserved. 

Page 3 of 3  

                                                                           OTBS 016CC FRB_WEB THRE (11/17) 

 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Three Rivers Federal Credit Union 
P.O. Box 2573 
Fort Wayne, IN 46801-2573 

PRICING INFORMATION ADDENDUM – 
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  MASTERCARD  PLATINUM 
CREDIT CARDS. 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 

Mastercard Platinum: 12.20% - 18.00% 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 

Mastercard Platinum: 12.20% - 18.00% 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 

Mastercard Platinum: 12.20% - 18.00% 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 

  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment  
  Returned Payment 

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. 

3.00% of each advance  
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. 

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.  

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 Mastercard Platinum is subject to a current variable Monthly Periodic Rate of 1.0167% - 1.5000% (corresponding to an ANNUAL PERCENTAGE RATE of 12.20% - 
18.00%), 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 18.00%. 

Your Margin will be determined by Your creditworthiness, and for Mastercard Platinum will be 7.70% - 13.70%. 

Copyright Oak Tree Business Systems, Inc., 2011-2018. All Rights Reserved. 

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 OTBS 016ACC FRB_WEB THRE (11/17) 
Rev. (2/18)