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 until December 31, 2021 (for 
    For Balance Transfers   balance transfers obtained September 1, 2020 � October 31, 2020). 
     
                             After that Your APR will be __________%  
                             Your APR will vary with the market based on the Prime Rate. 
                           
                          Premium World� Mastercard � : __________% Introductory APR until December 31, 2021 
                          (for balance transfers obtained September 1, 2020 � October 31, 2020). 
                             After that Your APR will be __________%  
                             Your APR will vary with the market based on the Prime Rate. 
                              
                          Secured Platinum Mastercard � : __________% Introductory APR until December 31, 2021 
                          (for balance transfers obtained September 1, 2020 � October 31, 2020). 
                             After that Your APR will be __________%  
                             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       
                           
    ?  Balance Transfer   4.00% of each transfer [made September 1, 2020 � October 31, 2020] 
    ?  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. 
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
     
     
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 1 of 4                                                             OTBS 016CC-Variable  FRB_WEB_CLEA (8/20) 
    Fees (continued) 
                           
    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.  
    
                       Please refer to PAGE 1 for more important information about Your Account 
                                               
                                               
    
   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  ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Platinum 
   place that it is honored and to get cash advances at participating financial institutions.  Mastercard �  Credit Card, You agree to give Us a specific pledge of shares which 
   You agree not to use Your Card for illegal transactions including, but not limited to,  will equal Your approved Credit Limit. In the event that You default on Your 
   advances made for the purpose of gambling and/or wagering where such practices  Account, We may apply these shares toward the repayment of any amount owed 
   are in violation of applicable state and/or federal law.  on  Your  Secured  Platinum  Mastercard �   Credit  Card.  You  may  cancel  Your 
                                             Secured Platinum Mastercard �  Credit Card at any time by paying any amounts 
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as  owed on such Account. To be certain that Your entire balance and all advances 
   security and that there are no other liens against them other than Ours. You agree  are paid, any shares pledged may not be available to You for 30 days after You 
   to perform all acts which are necessary to make Our security interest in the shares  have cancelled and any outstanding balance is paid in full. 
   and/or collateral being pledged enforceable.   
                                             LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given  Credit Card for which You are approved. Unless You are in default, any Credit Limits 
   as security under this Agreement or for any other loan You may have with Us will   established for You will generally be self-replenishing as You make payments.  
   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.  You will keep Your unpaid balance within Your Credit Limit set by Us, and You 
                                             understand that We may decline any transaction that would exceed that Credit Limit. 
   LIEN ON SHARES. You grant and consent to a lien on Your shares with  In addition, You will pay any amount over Your Credit Limit on Our demand whether 
   Us (except for IRA and Keogh accounts) and any dividends due or to    or not We authorize the advances which caused You to exceed Your Credit Limit. 
   become due to You from Us to the extent You owe on any unpaid Credit  Even if Your unpaid balance is less than Your Credit Limit, You will have no credit 
   Card balance.                             available during any time that any aspect of Your Account is in default. 
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 2 of 4                                                             OTBS 016CC-Variable  FRB_WEB_CLEA (8/20) 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  ANNUAL PERCENTAGE RATE of _____________%) until December 31, 2021. 
   repayment of any amounts owed. If any Account access device, such as a Personal  Upon the expiration of the Introductory Rate period, Your entire balance for balance 
   Identification Number (PIN) is requested and approved, You understand that any  transfers that was subject to an Introductory Monthly Periodic Rate will be subject to 
   such Account access device(s) will be mailed only to the primary Borrower at the  the standard rate described elsewhere in this Agreement. 
   address that We have on file for You. We may refuse to follow any instructions which   
   run counter to this provision.            For Premium World� Mastercard � , balance transfer transactions made during the 
                                             period of September 1, 2020 through October 31, 2020 will accrue finance charges 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  at an Introductory Monthly Periodic Rate of _____________% (corresponding to an 
   only pay the Minimum Monthly Payments, You understand that You have the right  ANNUAL PERCENTAGE RATE of _____________%) until December 31, 2021. 
   to repay at any time without penalty. You also understand that You will only be  Upon the expiration of the Introductory Rate period, Your entire balance for balance 
   charged periodic Finance Charges to the date You repay Your entire balance. You  transfers that was subject to an Introductory Monthly Periodic Rate will be subject to 
   may make larger payments without penalty. Any partial payment or prepayment  the standard rate described elsewhere in this Agreement. 
   will not delay Your next scheduled payment. All payments to Us must be in lawful   
   money of the United States. Unless instructed otherwise, We may apply each  For Secured Platinum Mastercard � , balance transfer transactions made during the 
   payment to whichever Card We wish. Except as required by law, the order in which  period of September 1, 2020 through October 31, 2020 will accrue finance charges 
   We may apply payments is at Our discretion.   at an Introductory Monthly Periodic Rate of _____________% (corresponding to an 
                                             ANNUAL PERCENTAGE RATE of _____________%) until December 31, 2021. 
   Any unpaid portion of the Finance Charge will be paid by subsequent payments and  Upon the expiration of the Introductory Rate period, Your entire balance for balance 
   will not be added to Your principal balance. You understand that any delay in the  transfers that was subject to an Introductory Monthly Periodic Rate will be subject to 
   repayment of Your unpaid balance will increase Your periodic Finance Charges and  the standard rate described elsewhere in this Agreement. 
   any acceleration in the repayment of Your unpaid balance will decrease Your   
   periodic Finance Charges.                 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 
   Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  and  Secured  Platinum  Journal  in  effect  on  the  day  that  any  Introductory  Rate  Period  expires,  and 
   Mastercard �  Minimum Payments will be an amount equal to 2.00% of Your new unpaid  subsequently, on the last day of each month of each year ("Index") plus Our Margin. 
   Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  or  Secured  Platinum  The Index plus the Margin equals the Interest Rate. Changes in the Index will cause 
   Mastercard �  balance at the end of each billing cycle, subject to the lesser of $20.00 or  changes in the Interest Rate on the day that any Introductory Rate Period expires, 
   Your balance, plus any portion of the Minimum Payments shown on prior statement(s)  and subsequently, on the first day of the billing cycle immediately following any such 
   which remains unpaid, plus any amount that exceeds Your approved Credit Limit.  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 
   You may, by separate agreement, authorize Us to charge Your payment directly to  regularly scheduled payments. Your Interest Rate will never be greater than 18.00%, 
   Your share or share draft account.        and will apply to Your remaining principal balance.  
                                              
   LATE CHARGE. If Your payment is one or more days late, You will be charged the  PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
   lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge  all transactions on Your Account including amounts paid and borrowed since Your 
   within 6 months of previously incurring a late charge); or (b) the amount of the  last statement. We will mail You a statement each month in which there is a debit or 
   required minimum payment.                 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 
   RETURNED PAYMENT FEE. You will be charged a fee for any check (or other  proceedings against You because You defaulted. Each statement is deemed to be a 
   negotiable instrument used for payment) which is returned unpaid. The fee will be an  correct statement of account unless You establish a billing error pursuant to the 
   amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You have  Federal Truth-In-Lending Act.  
   incurred a returned payment fee within 6 months of previously incurring a returned   
   payment fee); or (b) the required minimum payment amount for the returned payment.  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
                                             no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience 
   with the use of Your Card: (a) $30.00 for each replacement Card that You request  Checks have been reported lost or stolen; (3) Your Account has been cancelled 
   be  provided  on  an  expedited  basis;  (b)  $5.00  for  each  replacement  Personal  or has expired. If a postdated Convenience Check is paid and, as a result, any 
   Identification Number (PIN) that You request; (c) $5.00 for each sales draft or  other Convenience Check is returned unpaid, We are not responsible for any 
   statement copy You request; (d) a cash advance fee FINANCE?CHARGE in an  resulting loss or liability. 
   amount equal to 3.00% of each advance obtained at a financial institution and/or   
   ATM; and (e) during the period of September 1, 2020 � October 31, 2020, a balance  DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   transfer fee FINANCE CHARGE in an amount equal to 4.00% of each such transfer.  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 
   FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum  proceeding brought by or against You; or (c) You have made a false or misleading 
   Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � ,  statement in Your credit application and/or in Your representations to Us while You owe 
   the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
   transactions balances outstanding during the month (including new transactions).  attachment or garnishment should be issued against any of Your property or rights, 
   To get the average daily balance, We take the beginning balance each day, add any  specifically including anyone starting an action or proceeding to seize any of Your funds 
   new  purchases,  cash  advances,  balance  transfers,  insurance  premiums,  debit  on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay 
   adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  Your indebtedness hereunder is or soon will be impaired, time being of the very essence.  
   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  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   cycle. The Finance Charge for a billing cycle is computed by multiplying the average  Your rights under this Agreement, require the return of all access devices and 
   daily balance subject to a Finance Charge by the Monthly Periodic Rate.  declare the entire balance of Your Account immediately due and payable, without 
                                             prior notice or demand.  
   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.  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   Otherwise, the new balance of purchases, and subsequent purchases from the  on this Account, and to the extent permitted by law, You agree to pay all court costs, 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  private process server fees, investigation fees or other costs incurred in collection 
   advances and balance transfers are always subject to a Finance Charge from the  and reasonable attorneys� fees incurred in the course of collecting any amounts 
   date of the transaction.                  owed under this Agreement or in the recovery of any collateral. 
                                              
   During the first 12 billing cycles following the date that You establish a Premium  ENFORCEMENT. We do not lose Our rights under this or any related agreement if We 
   World� Mastercard �  Credit Card, Your entire balance for purchases will be subject  delay enforcing them. We can accept late payments, partial payments or any other 
   to  a  Monthly  Periodic  Rate  of  __________%  (corresponding  ANNUAL  payments, even if they are marked "paid in full" without losing any of Our rights under 
   PERCENTAGE RATE _________%). Upon the expiration of the Introductory Rate  this Agreement. If any provision of this or any related agreement is determined to be 
   period, the Monthly Periodic Rate applicable to Your entire balance of purchases  unenforceable or invalid, all other provisions remain in full force and effect. 
   existing at that time and in the future will immediately increase to __________%   
   (corresponding ANNUAL PERCENTAGE RATE of __________%).  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
                                             or otherwise have a change of address. 
   For Platinum Mastercard � , balance transfer transactions made during the period of   
   September 1, 2020 through October 31, 2020 will accrue finance charges at an  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   Introductory  Monthly  Periodic  Rate  of  _____________%  (corresponding  to  an  delivering to You written notice of the changes as prescribed by the Federal Truth-
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 3 of 4                                                             OTBS 016CC-Variable  FRB_WEB_CLEA (8/20) 
   In-Lending Act. To the extent permitted by law, the right to change the terms of this  What To Do If You Find A Mistake On Your Statement 
   Agreement includes, but is not limited to, the right to change the periodic rate   
   applicable to Your unpaid balance and/or future advances.  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: 
   INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your   
   Account, and is delivered together with this Agreement or at a later date becomes  �  Account information: Your name and Account number. 
   an integrated part of this Agreement and Disclosure.  �  Dollar amount: The dollar amount of the suspected error. 
                                             �  Description of problem: If You think there is an error on Your bill, describe 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.    what  You believe is wrong and why You believe it is a mistake.  
   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.  You must contact Us: 
                                              
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  �  Within 60 days after the error appeared on Your statement. 
   to update information contained in Your original Account application or other financial  �  At least 3 business days before an automated payment is scheduled, if You 
   information related to You, at Our request. You also agree that We may, from time    want  to stop payment on the amount You think is wrong.  
   to time, as We deem necessary, make inquiries pertaining to Your employment,   
   credit standing and financial responsibility in accordance with applicable laws and  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   regulations. You further agree that We may give information about the status and  We are not required to investigate any potential errors and You may have to pay the 
   payment history of Your Account to consumer credit reporting agencies, a prospective  amount in question.  
   employer or insurer, or a state or federal licensing agency having any apparent   
   legitimate business need for such information.   What Will Happen After We Receive Your Letter 
                                              
   TERMINATION. Either You or We may cancel Your Account or any particular Credit Card  When We receive Your letter, We must do two things: 
   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.  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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the    the error. 
   Commonwealth of Pennsylvania except to the extent that such laws are inconsistent  2)   Within 90 days of receiving Your letter, We must either correct the error or 
   with controlling federal law.               explain to You why We believe the bill is correct. 
                                              
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  While We investigate whether or not there has been an error: 
   time without notice. You agree to surrender Your Card and to discontinue its use   
   immediately upon Our request.             �  We cannot try to collect the amount in question, or report You as delinquent 
                                               on that amount. 
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your  �  The charge in question may remain on Your statement, and We may continue 
   request, a Personal Identification Number (PIN) for use with participating ATMs. This    to charge You interest on that amount. 
   PIN is confidential and should not be disclosed to anyone. You may use Your PIN to  �  While You do not have to pay the amount in question, You are responsible for 
   access Your Account and all sums advanced will be added to Your balance. In the    the remainder of Your balance. 
   event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and  �  We can apply any unpaid amount against Your Credit Limit. 
   conditions of Your Electronic Fund Transfer Agreement may also affect Your rights.    
                                             After We finish Our investigation, one of two things will happen: 
   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  �  If We made a mistake: You will not have to pay the amount in question or any 
   is the contract which solely applies to all transactions involving the Card.    interest or other fees related to that amount. 
                                             �  If We do not believe there was a mistake: You will have to pay the amount 
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You    in question, along with applicable interest and fees. We will send You a 
   will not be liable for the unauthorized use that occurs after You notify Us of the loss,    statement of the amount You owe and the date payment is due. We may 
   theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing to Us    then  report You as delinquent if You do not pay the amount We think  
   at the address shown in this Agreement. In any case, Your liability will not exceed $50.00.    You owe.  
                                              
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  If You receive Our explanation but still believe Your bill is wrong, You must write 
   the refusal or inability of merchants, financial institutions and others to accept the Cards  to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
   or Convenience Checks, or electronic terminals to honor the Cards or complete a Card  cannot report You as delinquent without also reporting that You are questioning 
   withdrawal, or for their retention of the Cards or Convenience Checks.  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  
   FOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD� MASTERCARD � ).  been settled between Us. If We do not follow all of the rules above, You do not 
   For transactions initiated in foreign currencies, the exchange rate between the  have to pay the first $50.00 of the amount You question even if Your bil l  
   transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected  is correct. 
   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  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   itself receives; or (b) the government-mandated rate in effect for the applicable   
   central processing date. For transactions initiated in a foreign currency, and for  If You are dissatisfied with the goods or services that You have purchased with Your 
   transactions occurring in foreign countries and initiated in U.S. Dollars, You will be  Credit Card, and You have tried in good faith to correct the problem with the 
   charged 2.00% of the final settlement amount.  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: 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic   
   terminal or financial institution at which transactions were made, but sales, cash  1)  The purchase must have been made in Your home state or within 100 miles 
   advances, credit or other slips cannot be returned with the statement.    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 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards    was based on an advertisement We mailed to You, or if We own the company 
   or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to    that sold You the goods or services.) 
   Us at the address shown in this Agreement.   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 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or    account do not qualify. 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.  3)  You must not yet have fully paid for the purchase.  
   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 all of the criteria above are met and You are still dissatisfied with the purchase, 
   Your written request or automatically deposit it to Your share account after six months.  contact Us in writing at Our address shown in this Agreement.  
                                              
        Your Billing Rights: Keep this Document for Future Use  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 
   This notice tells You about Your rights and Our responsibilities under the Fair  point, if We think You owe an amount and You do not pay, We may report You 
   Credit Billing Act.                       as delinquent.
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.  Page 4 of 4                                                             OTBS 016CC-Variable  FRB_WEB_CLEA (8/20) 
    
                                  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 � : 0.00% Introductory APR until December 31, 2021 (for balance 
    For Balance Transfers   transfers obtained September 1, 2020 � October 31, 2020). 
     
                             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 � : 0.00% Introductory APR until December 31, 2021 (for 
                          balance transfers obtained September 1, 2020 � October 31, 2020). 
                             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 � : 0.00% Introductory APR until December 31, 2021 (for 
                          balance transfers obtained September 1, 2020 � October 31, 2020). 
                             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. 
                           
    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      
                           
     ?  Balance Transfer  4.00% of each transfer [made September 1, 2020 � October 31, 2020] 
     ?  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 
     
   Copyright Oak Tree Business Systems, Inc., 2018-2020. All Rights Reserved.   Page 1 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (8/20) 
      
    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 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 during the period of September 1, 2020 through October 31, 2020 will accrue finance charges at an Introductory 
    Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%) until December 31, 2021. Upon the expiration of the Introductory Rate period, 
    Your entire balance of purchases 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 Platinum Mastercard � , balance transfer transactions made during the period of September 1, 2020 through October 31, 2020 will accrue finance charges at an Introductory 
    Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%) until December 31, 2021. Upon the expiration of the Introductory Rate period, 
    Your entire balance of purchases 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 (8/20)