has become due as provided in paragraph 17 below; however, I must 
pay a 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 figuring 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.  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 first 
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.    
b.  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  first  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.     
c.  Check Printing Fees.  My Credit Access Checks are free. 
d.  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.

e.  Foreign Exchange Fee

A  3%  fee  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 VISA 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.

f.  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 first 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  filed  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 filed 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 8.3, 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 (800) VISA-911.  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 Visa’s 
Zero Liability Policy.  I understand that the Visa Zero Liability Policy 
does not apply to commercial credit cards or ATM transactions or PIN 
transactions not processed by Visa.  I understand I may be liable for 
the unauthorized use of my credit card for transactions not covered by 
Visa’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 reflected 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.

Cash Back Rebate Terms and Conditions (For Rebate Cards Only)
Rebates are calculated as 1.25% of net monthly purchases (total purchases less 
credit and returns), which will be displayed on Periodic Billing Statements as 
“Cash Back Rebate.”  The maximum rebate that can be accumulated in any 
calendar year is $500.  

Open  accounts  that  are  not  in  default  under  this  Agreement  or  otherwise 
restricted  will  accumulate  rebates;  however  the  Cash  Back  Rebate  Amount 
must be at least $10.00 before a distribution will be made.

The rebate will be distributed semi-annually in January and July and will be 
based on the Periodic Statements in December and June.  Accounts with rebate   
amounts of less than $10.00 or that are in default or otherwise restricted are 
not eligible for distributions.   If an account is not eligible for a distribution 
for any reason in one distribution period, the accumulated rebates will carry 
over to the next period.  If an account is closed for any reason, all accumulated 
Cash Back Rebates for that account will be forfeited.

The account holder is responsible for any taxes on Cash Back Rebates.  Dollar 
Bank  reserves  the  right  to  cancel  or  otherwise  change  the  terms  applicable 
to  the  Cash  Back  Rebate  program  at  any  time  with  30  days  prior  written 
notice.

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
PO Box 1700
Pittsburgh, PA  15230

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.

While we investigate whether or not there has been an error:

•	 We cannot try to collect the amount in question, or report you as 

delinquent on that amount.

•	 The charge in question may remain on your statement, and we 

may continue to charge you interest on that amount.

•	 While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•	 We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•	

•	

If we made a mistake:  You will not have to pay the amount in 
question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees.  We 
will send you a statement of the amount you owe and the date 
payment is due.  We may then report you as delinquent if you do 
not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay.  If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning your bill.  We must tell you the name of anyone to whom we 
reported you as delinquent, 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 
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 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.)
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.
You must not yet have fully paid for the purchase.

3. 

2. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at:

Dollar Bank
PO Box 1700
Pittsburgh, PA  15230

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.

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.

8/10 

K-4643

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 

APR for Cash Advances 

Paying Interest 

0.00% APR Introductory Rate for 
the first 6 months.  
After that, your APR will be 12.24%.
This APR will vary with the market based 
on the Prime Rate.

 0.00% APR Introductory Rate for the first 
6 months.  
After that, your APR will be 12.24%

This APR will vary with the market based 
on the Prime Rate.

14.24% 
This APR will vary with the market based 
on the Prime Rate. 

Your due date is at least 25 days after the 
close of each billing cycle.  We will not 
charge you interest on purchases or balance 
transfers if you pay your entire balance by 
the due date each month.  We will begin 
charging interest on cash advances on the 
transaction date.

Minimum Finance 
Charge 

If you are charged interest, the charge will 
be no less than $0.50. 

For credit card tips from 
the Federal Reserve 
Board 

To learn more about factors to consider 
when applying for or using a credit card, 
visit the website of the Federal Reserve 
Board at http://www.federalreserve.gov/
creditcard. 

 Fees 

 Annual Fee 

None 

 Transaction Fees 

 - Balance Transfer  

- Cash Advance 

- Foreign Transaction

 Penalty Fees 

- Late Payment

- Returned Payment

Either $5.00 or 1% of the amount of the 
transfer, whichever is greater, for the first 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.

Up to $35.00
Up to $35.00

Information is current as of August 22, 2010 and may change thereafter.  For 
details call 1-800-447-2823
How We Will  Calculate Your  Balance:   We  use  a  method  called  “average 
daily  balance”  (including  new  purchases).    See  this  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 at the end of this 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 VISA 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 financial 
institutions  or  automated  teller  machines  (“ATM’s”)  that  accept  the 
credit card.  If the Credit Card is used at a financial institution, I must 
sign a Cash Advance request.  If the Credit Card is used at an ATM, I 
must use my Personal Identification 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 defined below) on my account.

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 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 defined 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:
Periodic FINANCE CHARGE
a. 
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 
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

for  Periodic  FINANCE 

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  figure  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 finance 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 figure 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  finance  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 
figure  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  finance 
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 
Balance Transfers  

Regular Rates:
Purchases 

Balance Transfer 

0.00% (f ) 
0.00% (f ) 

12.24% (v) 
(WSJ Prime + 8.99%)

12.24% (v) 
(WSJ Prime + 8.99%)

Cash Advances 

14.24% (v) 
(WSJ Prime + 10.99%)

0.00%
0.00%

0.0335%

0.0335%

0.0390%

* Listed rates are calculated based on the WSJ Prime Rate (described later) as 
of May 1, 2010 and may change thereafter.  For current rate calculations call 
1-800-447-2823.

(f ) – fixed
(v) – variable

The  daily  periodic  rate  for  the  billing  cycle  is  1/365  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.

b. 

Transaction FINANCE CHARGE
(1)  For Balance Transfer.

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  financial  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.

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 first 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 + 8.99%; 
(2) the prior WSJ Prime Rate had been 4.00% but increased to 
5.00%  as  of  June  10,  2010,  and  my  next  billing  cycle  started 
on July 1, 2010, the corresponding ANNUAL PERCENTAGE 
RATE would be 13.99%, and the daily periodic rate would be 
0.0383% throughout my July 1 billing cycle.
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.
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  six  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.

b. 

c. 

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, 
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 certificate or 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 inured 
person reached 66 years of age.  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 Daily Balance” is computed 
by taking the total of Purchases, Balance Transfers and Cash Advances 
during the current billing cycle and dividing the total by the number of 
days in the billing cycle.  I understand that 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 and 64¢ per month in Ohio per one thousand dollars 
of the average daily balance as described in Item 10.  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