CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT              
                          THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL  TRUTH-IN-LENDING 
                          DISCLOSURE STATEMENTS, PLATINUM MASTERCARD � , PREMIUM WORLD� MASTERCARD � , AND SECURED 
        8805 University Boulevard  PLATINUM MASTERCARD �  AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR 
                          PLATINUM MASTERCARD � , PREMIUM WORLD� MASTERCARD � , AND SECURED PLATINUM MASTERCARD �  
        Moon Township, PA 15108 
                          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) 
                          Platinum Mastercard � : ________%  
    For Purchases          
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : ________% Introductory APR for 12 billing cycles. 
                             After that Your APR will be ________%.  
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : ________%  
                           
                             Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : __________% Introductory APR for 12 billing cycles. 
    For Balance Transfers    After that Your APR will be __________%  
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : __________%  
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : __________% 
                               Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : ________%  
                           
    For Cash Advances 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : ________%  
                           
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : ________%  
                             Your 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 from 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  To learn more about factors to consider when applying for or using a Credit Card, 
    Consumer Financial Protection  visit the website of the Consumer Financial Protection Bureau at 
    Bureau                 http://www.consumerfinance.gov/learnmore. 
     
    Fees 
                           
    Transaction Fees       
                           
    ?  Cash Advance       3.00% of each advance. 
    ?  Foreign Transaction  Up to 2.00% of each foreign currency transaction in U.S. Dollars. 
                          Up to 2.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                           
    Penalty Fees           
                           
    ?  Late Payment       Up to $35.00  
    ?  Returned Payment   Up to $35.00 
     
   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.  
    
    
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   DEFINITIONS. In this Agreement, the references to "We," "Us," "Our" and "Credit Union" mean Clearview Federal Credit Union. The words "You" and "Your" mean each person 
   who accepts this Agreement or uses the Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard �  Credit Card(s). The words "Card" and 
   "Credit Card" mean the Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard �  Credit Card issued to You by Us and any duplicates or 
   renewals. "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, as the Borrower, under a Credit Card Agreement ("Account"), 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. 
    
     
                              Variable Rate 
                                                Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                   for Purchases       for Purchases 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                 
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Balance Transfers  for Balance Transfers 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
     
                              Variable Rate     Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                                 for Cash Advances   for Cash Advances 
                           Index    Margin 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   place that it is honored and to get cash advances at participating financial institutions.  repayment of any amounts owed. If any Account access device, such as a Personal 
   You agree not to use Your Card for illegal transactions including, but not limited to,  Identification Number (PIN) is requested and approved, You understand that any 
   advances made for the purpose of gambling and/or wagering where such practices  such Account access device(s) will be mailed only to the primary Borrower at the 
   are in violation of applicable state and/or federal law.  address that We have on file for You. We may refuse to follow any instructions which 
                                             run counter to this provision. 
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as   
   security and that there are no other liens against them other than Ours. You agree  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
   to perform all acts which are necessary to make Our security interest in the shares  only pay the Minimum Monthly Payments, You understand that You have the right 
   and/or collateral being pledged enforceable.  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 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given  may make larger payments without penalty. Any partial payment or prepayment 
   as security under this Agreement or for any other loan You may have with Us will   will not delay Your next scheduled payment. All payments to Us must be in lawful 
   secure all amounts You owe Us now and in the future if that status is reflected in the  money of the United States. Unless instructed otherwise, We may apply each 
   "Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.  payment to whichever Card We wish. Except as required by law, the order in which 
                                             We may apply payments is at Our discretion.  
   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  Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
   become due to You from Us to the extent You owe on any unpaid Credit  will not be added to Your principal balance. You understand that any delay in the 
   Card balance.                             repayment of Your unpaid balance will increase Your periodic Finance Charges and 
                                             any acceleration in the repayment of Your unpaid balance will decrease Your 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Platinum  periodic Finance Charges.  
   Mastercard �  Credit Card, You agree to give Us a specific pledge of shares which   
   will equal Your approved Credit Limit. In the event that You default on Your  Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  and  Secured  Platinum 
   Account, We may apply these shares toward the repayment of any amount owed  Mastercard �  Minimum Payments will be an amount equal to 2.00% of Your new unpaid 
   on  Your  Secured  Platinum  Mastercard �   Credit  Card.  You  may  cancel  Your  Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  or  Secured  Platinum 
   Secured Platinum Mastercard �  Credit Card at any time by paying any amounts  Mastercard �  balance at the end of each billing cycle, subject to the lesser of $20.00 or 
   owed on such Account. To be certain that Your entire balance and all advances  Your balance, plus any portion of the Minimum Payments shown on prior statement(s) 
   are paid, any shares pledged may not be available to You for 30 days after You  which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
   have cancelled and any outstanding balance is paid in full.   
                                             You may, by separate agreement, authorize Us to charge Your payment directly to 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  Your share or share draft account. 
   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.   LATE CHARGE. If Your payment is one or more days late, You will be charged the 
                                             lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You  within 6 months of previously incurring a late charge); or (b) the amount of the 
   understand that We may decline any transaction that would exceed that Credit Limit.  required minimum payment.  
   In addition, 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.  RETURNED PAYMENT FEE. You will be charged a fee for any check (or other 
   Even if Your unpaid balance is less than Your Credit Limit, You will have no credit  negotiable instrument used for payment) which is returned unpaid. The fee will be 
   available during any time that any aspect of Your Account is in default.  an amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 2 of 4                                                             OTBS 016CC-Variable FRB_WEB_CLEA (10/20)  
   have incurred a returned payment fee within 6 months of previously incurring a  money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
   returned payment fee); or (b) the required minimum payment amount for the  attachment or garnishment should be issued against any of Your property or rights, 
   returned payment.                         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 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  Your indebtedness hereunder is or soon will be impaired, time being of the very essence.  
   with the use of Your Card: (a) $30.00 for each replacement Card that You request   
   be provided on an expedited basis; (b) $5.00 for each replacement Personal  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   Identification Number (PIN) that You request; (c) $5.00 for each sales draft or  Your rights under this Agreement, require the return of all access devices and 
   statement copy You request; and (d) a cash advance fee FINANCE?CHARGE in  declare the entire balance of Your Account immediately due and payable, without 
   an amount equal to 3.00% of each advance obtained at a financial institution  prior notice or demand.  
   and/or ATM.                                
                                             COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum  on this Account, and to the extent permitted by law, You agree to pay all court costs, 
   Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � ,  private process server fees, investigation fees or other costs incurred in collection 
   the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  and reasonable attorneys� fees incurred in the course of collecting any amounts 
   transactions balances outstanding during the month (including new transactions).  owed under this Agreement or in the recovery of any collateral. 
   To get the average daily balance, We take the beginning balance each day, add any   
   new  purchases,  cash  advances,  balance  transfers,  insurance  premiums,  debit  ENFORCEMENT. We do not lose Our rights under this or any related agreement if We 
   adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  delay enforcing them. We can accept late payments, partial payments or any other 
   Finance Charges. This gives Us the daily balance. Then, We add up all the daily  payments, even if they are marked "paid in full" without losing any of Our rights under 
   balances for the billing cycle and divide them by the number of days in the billing  this Agreement. If any provision of this or any related agreement is determined to be 
   cycle. The Finance Charge for a billing cycle is computed by multiplying the average  unenforceable or invalid, all other provisions remain in full force and effect. 
   daily balance subject to a Finance Charge by the Monthly Periodic Rate.   
                                             NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   You can avoid Finance Charges on purchases by paying the full amount of the  or otherwise have a change of address. 
   entire balance owed each month within 25 days of Your statement closing date.   
   Otherwise, the new balance of purchases, and subsequent purchases from the  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  delivering to You written notice of the changes as prescribed by the Federal Truth-
   advances and balance transfers are always subject to a Finance Charge from the  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   date of the transaction.                  Agreement includes, but is not limited to, the right to change the periodic rate 
                                             applicable to Your unpaid balance and/or future advances. 
   During the first 12 billing cycles following the date that You establish a Premium   
   World� Mastercard �  Credit Card, Your entire balance for purchases will be subject  INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your 
   to  a  Monthly  Periodic  Rate  of  __________%  (corresponding  ANNUAL  Account, and is delivered together with this Agreement or at a later date becomes 
   PERCENTAGE RATE _________%). Upon the expiration of the Introductory Rate  an integrated part of this Agreement and Disclosure. 
   period, the Monthly Periodic Rate applicable to Your entire balance of purchases   
   existing at that time and in the future will immediately increase to __________%  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   (corresponding ANNUAL PERCENTAGE RATE of __________%).  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. 
   For Platinum Mastercard � , balance transfer transactions made within 30 days of   
   account opening will accrue finance charges at an Introductory Monthly Periodic  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   Rate of _____________% (corresponding to an ANNUAL PERCENTAGE RATE  to update information contained in Your original Account application or other financial 
   of _____________%) for the first 12 billing cycles immediately following the date  information related to You, at Our request. You also agree that We may, from time 
   Your account is established. Upon the expiration of such 12 billling cycle period,  to time, as We deem necessary, make inquiries pertaining to Your employment, 
   Your entire balance for balance transfers that was subject to an Introductory  credit standing and financial responsibility in accordance with applicable laws and 
   Monthly Periodic Rate will be subject to the standard rate described elsewhere in  regulations. You further agree that We may give information about the status and 
   this Agreement.                           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 
   VARIABLE RATE. All advances are subject to a Variable Rate which is based on  legitimate business need for such information.  
   the highest Prime Rate as published in the money rates section of The Wall Street   
   Journal  in  effect  on  the  day  that  any  Introductory  Rate  Period  expires,  and  TERMINATION. Either You or We may cancel Your Account or any particular Credit Card 
   subsequently, on the last day of each month of each year ("Index") plus Our Margin.  of Your Account, at any time, whether or not You are in default. You will, in any case, 
   The Index plus the Margin equals the Interest Rate. Changes in the Index will cause  remain liable to pay any unpaid balances according to the terms of Your Account. 
   changes in the Interest Rate on the day that any Introductory Rate Period expires,   
   and subsequently, on the first day of the billing cycle immediately following any such  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   change in the Index. Increases or decreases in the Interest Rate will cause like  Commonwealth of Pennsylvania except to the extent that such laws are inconsistent 
   increases or decreases in the Finance Charge and will affect the number of Your  with controlling federal law. 
   regularly scheduled payments. Your Interest Rate will never be greater than 18.00%,   
   and will apply to Your remaining principal balance.   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 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing  immediately upon Our request. 
   all transactions on Your Account including amounts paid and borrowed since Your   
   last statement. We will mail You a statement each month in which there is a debit or  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
   credit balance or when a Finance Charge is imposed. We need not send You a  request, a Personal Identification Number (PIN) for use with participating ATMs. This 
   statement if We feel Your Account is uncollectible or if We have started collection  PIN is confidential and should not be disclosed to anyone. You may use Your PIN to 
   proceedings against You because You defaulted. Each statement is deemed to be a  access Your Account and all sums advanced will be added to Your balance. In the 
   correct statement of account unless You establish a billing error pursuant to the  event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and 
   Federal Truth-In-Lending Act.             conditions of Your Electronic Fund Transfer Agreement may also affect Your rights.  
                                              
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   no obligation to honor Your Convenience Checks if: (1) by paying a Convenience  slips You may sign or receive when using Your Card contain terms, this Agreement 
   Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience  is the contract which solely applies to all transactions involving the Card. 
   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  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   other Convenience Check is returned unpaid, We are not responsible for any  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   resulting loss or liability.              loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing 
                                             to Us at the address shown in this Agreement. In any case, Your liability will not 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform any  exceed $50.00. 
   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  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable 
   proceeding brought by or against You; or (c) You have made a false or misleading  for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  
   statement in Your credit application and/or in Your representations to Us while You owe  accept the Cards or Convenience Checks, or electronic terminals to honor the 
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   Cards or complete a Card withdrawal, or for their retention of the Cards or  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   Convenience Checks.                         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 
   FOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD� MASTERCARD � ).    explain to You why We believe the bill is correct. 
   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  While We investigate whether or not there has been an error: 
   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  �  We cannot try to collect the amount in question, or report You as delinquent 
   itself receives; or (b) the government-mandated rate in effect for the applicable    on that amount. 
   central processing date. For transactions initiated in a foreign currency, and for  �  The charge in question may remain on Your statement, and We may continue 
   transactions occurring in foreign countries and initiated in U.S. Dollars, You will be    to charge You interest on that amount. 
   charged 2.00% of the final settlement amount.  �  While You do not have to pay the amount in question, You are responsible for 
                                               the remainder of Your balance. 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic  �  We can apply any unpaid amount against Your Credit Limit. 
   terminal or financial institution at which transactions were made, but sales, cash   
   advances, credit or other slips cannot be returned with the statement.  After We finish Our investigation, one of two things will happen: 
                                              
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  �  If We made a mistake: You will not have to pay the amount in question or any 
   or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to    interest or other fees related to that amount. 
   Us at the address shown in this Agreement.   �  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 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or    statement of the amount You owe and the date payment is due. We may 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.    then  report You as delinquent if You do not pay the amount We think You owe.  
   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  If You receive Our explanation but still believe Your bill is wrong, You must write to 
   Your written request or automatically deposit it to Your share account after six months.  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. 
        Your Billing Rights: Keep this Document for Future Use  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 
   This notice tells You about Your rights and Our responsibilities under the Fair  Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
   Credit Billing Act.                       of the amount You question even if Your bill is correct. 
                                              
         What To Do If You Find A Mistake On Your Statement  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                              
   If You think there is an error on Your statement, write to Us at Our address shown in  If You are dissatisfied with the goods or services that You have purchased with Your 
   this Agreement. In Your letter, give Us the following information:  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 
   �  Account information: Your name and Account number.  purchase. To use this right, all of the following must be true: 
   �  Dollar amount: The dollar amount of the suspected error.   
   �  Description of problem: If You think there is an error on Your bill, describe  1)  The purchase must have been made in Your home state or within 100 miles 
     what  You believe is wrong and why You believe it is a mistake.     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 
   You must contact Us:                        was based on an advertisement We mailed to You, or if We own the company 
                                               that sold You the goods or services.) 
   �  Within 60 days after the error appeared on Your statement.  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   �  At least 3 business days before an automated payment is scheduled, if You    cash advances from an ATM or with a check that accesses Your Credit Card 
     want  to stop payment on the amount You think is wrong.     account do not qualify. 
                                             3)  You must not yet have fully paid for the purchase.  
   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  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   amount in question.                       contact Us in writing at Our address shown in this Agreement.  
                                              
           What Will Happen After We Receive Your Letter  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 
   When We receive Your letter, We must do two things:  You owe an amount and You do not pay, We may report You as delinquent.
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 4 of 4                                                             OTBS 016CC-Variable FRB_WEB_CLEA (10/20) 
    
                                  PRICING INFORMATION ADDENDUM �  
                                  CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT              
                         
                          THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR PLATINUM MASTERCARD � , 
     
                          PREMIUM WORLD� MASTERCARD � , AND SECURED PLATINUM MASTERCARD �  CREDIT CARD AGREEMENT 
        8805 University Boulevard 
                          AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY 
        Moon Township, PA 15108  PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
     
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 17.49% based on Your creditworthiness at the 
    For Purchases         time You establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 0.00% Introductory APR for 12 billing cycles. 
                          After that Your APR will be 12.25% - 18.00% based on Your creditworthiness at 
                          the time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : 9.24% - 17.49% based on Your creditworthiness at 
                          the time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 3.99% Introductory APR for 12 billing cycles. 
    For Balance Transfers    After that Your APR will be 9.24% - 17.49% based on Your creditworthiness at the time 
     
                             You establish Your Account.  
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 12.25% - 18.00% based on Your creditworthiness at the 
                          time You establish Your Account.   
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : 9.24% - 17.49% based on Your creditworthiness at the time 
                          You establish Your Account.   
                             Your APR will vary with the market based on the Prime Rate. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 9.24% - 17.49% based on Your creditworthiness at the time You 
    For Cash Advances     establish Your Account. 
     
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : 12.25% - 18.00% based on Your creditworthiness at the 
                          time You establish Your Account. 
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Secured Platinum Mastercard � : 9.24% - 17.49% based on Your creditworthiness at the time 
                          You establish Your Account. 
                             Your 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 from Your statement closing date. We will begin charging interest on 
                          cash advances and balance transfers on the transaction date. 
     
     Fees 
                           
     Transaction Fees      
                           
     ?  Cash Advance      3.00% of each advance. 
     ?  Foreign Transaction  Up to 2.00% of each foreign currency transaction in U.S. Dollars. 
                          Up to 2.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                           
     Penalty Fees          
                           
     ?  Late Payment      Up to $35.00  
     ?  Returned Payment  Up to $35.00 
       
    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.  
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.   Page 1 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (10/20) 
    
    FINANCE CHARGES. In the case of any transactions under Your Platinum Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � , Credit Card, 
    the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average 
    daily balance, We take the beginning balance each day, add any new purchases, cash advances, balance transfers, 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 date of the transaction. 
     
    For Premium World� Mastercard �  purchase transactions, during the first 12 billing cycles following the date that You establish a Premium World� Mastercard �  Credit Card, 
    Your entire balance for purchases will be subject to a Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of 
    the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to 
    1.0208% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balances 
    for balance transfers and cash advances will accrue Finance Charges at a Monthly Periodic Rate of 1.0208% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 
    12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 
     
    For Platinum Mastercard�, balance transfer transactions made within 30 days of account opening will accrue finance charges at an Introductory Monthly Periodic Rate of 
    0.3325% (corresponding ANNUAL PERCENTAGE RATE 3.99%) for the first 12 billing cycles immediately following the date Your account is established. Upon the expiration 
    of such 12 billing cycle period, the Monthly Periodic Rate applicable to Your entire balance of balance transfers existing at that time and in the future will immediately increase 
    to 0.7700% - 1.4575% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 17.49%), based on Your creditworthiness at the time You establish Your Account. Balances 
    for purchases and cash advances will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.4575% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 
    17.49%), based on Your creditworthiness at the time You establish Your Account. 
     
    For Secured Platinum Mastercard�, balance transfer transactions made within 30 days of account opening will accrue finance charges at an Introductory Monthly Periodic 
    Rate of 0.3325% (corresponding ANNUAL PERCENTAGE RATE 3.99%) for the first 12 billing cycles immediately following the date Your account is established. Upon the 
    expiration of such 12 billing cycle period, the Monthly Periodic Rate applicable to Your entire balance of balance transfers existing at that time and in the future will immediately 
    increase to 0.7700% - 1.4575% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 17.49%), based on Your creditworthiness at the time You establish Your Account. 
    Balances for purchases and cash advances will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.4575% (corresponding ANNUAL PERCENTAGE RATE of 
    9.24% - 17.49%), based on Your creditworthiness at the time You establish Your Account. 
     
    VARIABLE RATE. All 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 day that any Introductory Rate Period expires, and subsequently, on the last day of each month of each year ("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 day that any Introductory Rate Period expires, and subsequently, on the 
    first day of the billing cycle immediately following any such 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. Your Interest Rate will never be greater than 18.00%, and will apply to Your remaining 
    principal balance.  
    
    For Premium World� Mastercard � , the Margin will be 9.00% - 15.00% depending on Your creditworthiness. For Platinum Mastercard �  and Secured Platinum Mastercard � , 
    the Margin will be 5.99% - 14.24%, depending on Your creditworthiness.  
    
    
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.   Page 2 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (10/20)