IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate  as  of  8/22/2010.  You  can  contact  us  toll  free  at  (800)  593-1000  or  mail  correspondence  to  1600  Medical  Drive,
Pottstown, PA 19464 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

Paying Interest

MASTERCARD PLATINUM

7.90% - 17.90%
depending on your credit
history.

MASTERCARD PLATINUM
REWARDS
8.90% - 17.90%
depending on your credit
history.

CREDIT BUILDER
MASTERCARD

16.90%

Your due date is at least 21 days after we mail your billing statement. We will not
charge you interest on purchases if you pay your entire new purchase balance by the
due date each month.
For Cash Advances and Balance Transfers, we will begin charging interest on the
transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a credit card, visit
the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:
- Inactivity Fee:

None
None
None

Set-up and Maintenance Fees
(Applies to Credit Builder
MasterCard Only):

NOTICE: Some of these set-up and maintenance fees will be assessed before you
begin using your card and will reduce the amount of credit you initially have available.
For example, if you are assigned the minimum credit limit of $250.00, and if your set-
up & maintenance fees are $90.00, your initial available credit will be only $160.00.

- Application Fee:
- Annual Fee:
- Account Set-up Fee:
- Participation Fee:
- Additional Card Fee:
- Account Maintenance Fee:

$30.00 (one-time fee)
$30.00
None
None
None
None

Transaction Fees

- Balance Transfer:
- Cash Advance:

- Foreign Transaction:

Penalty Fees

- Late Payment:
- Returned Payment:

None
At a teller window: 2% of the amount advanced with a minimum of $5.00 and a
maximum of $75.00
At an ATM:  None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $25.00 if your payment is late
Up to $24.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."