2141 Downyflake Lane 
Allentown, PA 18103 
610-797-7440 
800-446-5598 

CREDIT CARD ACCOU(cid:11)T AGREEME(cid:11)T  
A(cid:11)D FEDERAL DISCLOSURE STATEME(cid:11)T 

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY   FEDERAL 
TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS  AND  ANY  SPECIAL 
INSTRUCTIONS 
REGARDING THE USE OF  ANY  ACCOUNT  ACCESS DEVICE. PLEASE READ  THIS  AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You 
establish Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time 
You establish Your Account. 

These APRs will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish 
Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA  Platinum  Plus  9.90%  –  14.90%;  based  on  Your  creditworthiness  at  the  time  You 
establish Your Account. 

These APRs will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish 
Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA  Platinum  Plus  9.90%  –  14.90%;  based  on  Your  creditworthiness  at  the  time  You 
establish Your Account. 

These APRs 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 by Your payment’s due date. We will begin charging interest on cash advances and 
balance transfers on the transaction date. 

For Credit Card Tips from the 
Federal Reserve Board 

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

Fees 

Transaction Fees 

•  Foreign Transaction 

Penalty Fees 

•  Returned Payment  
• 
Late Payment 

1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $30.00 
Up to $25.00 after Your statement closing date 

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., 2010. All Rights Reserved. 

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DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean People First Federal Credit Union. The words "You" and "Your" mean each person 
who  accepts  this  Agreement  or  uses  the  VISA  Platinum  or  VISA  Platinum  Plus  Credit  Cards.  "Account"  means  VISA  Platinum  or  VISA  Platinum  Plus  Credit  Card  Account 
established for You. The words "Credit Card" or "Card" mean any VISA Platinum or VISA Platinum Plus Credit Cards issued to You by Us and any duplicates and renewals. "Letter 
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. 

Credit 
Card Type 

Variable Rate 

 Index                      Margin 

Monthly 
Periodic 
Rate 

VISA Platinum 

VISA Platinum Plus 

___________ 

___________ 

___________% 

___________ 

___________ 

___________% 

Annual 
Percentage 
Rate 

___________% 

___________% 

PROMISE  TO  PAY.  Your  Account  may  be  accessible  through  a  variety  of  means 
which could include advance request forms, vouchers, checks, charge slips, Credit 
Cards, Letter Checks 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. 

advances  (including  Letter  Checks).  The  Finance  Charge  for  a  billing  cycle  is 
computed by multiplying the average daily balance subject to a Finance Charge by 
the applicable Monthly Periodic Rate.   

You can avoid Finance Charges on purchases each month by paying the full amount of 
the entire balance owed by the payment due date reflected in Your periodic statement.          

JOINT  ACCOUNTS.  Each  Cardholder  will  be  responsible, jointly  and severally, for 
the repayment of amounts owed. You understand that any Card which is requested 
and approved, will be mailed only to the primary Cardholder at the address that We 
have on file for You. We may refuse to follow any instructions which run counter to 
this provision.  

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.  Balance 
Transfers  and  cash  advances  (including  Letter  Checks)  are  always  subject  to  a 
Finance Charge from the later of the date they are posted to Your Account or from 
the first day of the billing cycle in which the cash advance is posted to Your Account. 

OWNERSHIP. All access devices remain Our property and may be cancelled by Us 
at  any  time  without  notice. You agree  to surrender  any such  access device and to 
discontinue its use immediately upon Our request. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  from  Us  or  another  financial 
institution. If You are issued a cash advance draft, it will be imprinted with Your Card 
and  You  will  receive  a  copy  of  the  draft.  You  agree  not  to  use  Your  Card  for 
transactions  involving  Internet  gambling  and/or  wagering  of  any  type  and/or  for 
transactions prohibited by state and/or federal law. 

ISSUANCE  OF  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  You  a 
Personal Identification Number (PIN) for use  with Your Card. This PIN is confidential 
and  should  not  be  disclosed  to  anyone.  You  may  use  Your  PIN  and  Your  Card  to 
access Your Account and all sums advanced will be added to Your Account balance. 
In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and 
conditions of Your Electronic Fund Transfer Agreement may affect Your rights. 

LINE  OF  CREDIT  LIMIT.  If  Your  application  for  a  Card  is  approved,  You  will  be 
notified  of  Your  specific  Credit  Limit  for  transactions  made  under  Your  Account. 
Unless  You  are  in  default,  the  Credit  Limit  established  for  You  will  be  self-
replenishing  as  You  make  payments  on  Your  Account.  You  will  keep  Your  unpaid 
balance  within  the  Credit  Limit  set by  Us,  and  You  will  pay  any  amount  over  Your 
Credit Limit on Our demand whether or not We authorize the advance which caused 
You  to  exceed  Your  Credit  Limit.  Even  if  Your  unpaid  balance  is  less  than  Your 
Credit  Limit,  You  will  have  no  credit  available  during  any  time  that  any  aspect  of 
Your Account is in default.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  on  Your  Account,  the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances outstanding during the month (new and previous). Separate average daily 
balances  are  calculated  for  purchases,  balance  transfers  and  cash  advances 
(including Letter Checks). 

To get the average daily balance for purchases, We take the beginning balance for 
purchases  each  day,  add  any  new  purchases,  debit  adjustments  or  other  charges 
and subtract any payments, credits and unpaid Finance Charges. This gives Us the 
daily balance for purchases.  Then, We add up all the daily balances for purchases 
during  the  billing  cycle  and  divide them  by  the  number  of  days  in  the  billing  cycle. 
This  gives  Us  the  average  daily  transactions  balances  for  purchases.  To  get  the 
average  daily  balance  for  balance  transfers,  We  take  the  beginning  balance  for 
balance  transfers  each  day,  add  any  new  balance  transfers,  debit  adjustments  or 
other  charges  and  subtract  any  payments,  credits  and  unpaid  Finance  Charges. 
This gives Us the daily balance for balance transfers. Then, We add up all the daily 
balances  for  balance  transfers  during  the  billing  cycle  and  divide  them  by  the 
number  of  days  in  the  billing  cycle.  This  gives  Us  the  average  daily  transactions 
balances for balance transfers. To get the average daily balance for cash advances 
(including  Letter  Checks),  We  take  the  beginning  balance  for  cash  advances  and 
Letter  Checks  each  day,  add  any  new  cash  advances  and  Letter  Checks,  debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance  Charges.  This  gives  Us  the  daily  balance  for  cash  advances    (including 
Letter Checks). Then, We add up all the daily balances for cash advances (including 
Letter Checks) during the billing cycle and divide them by the number of days in the 
billing  cycle.  This  gives  Us  the  average  daily  transactions  balances  for  cash 

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 last business day of each calendar month ("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  first  day  of  the  billing  cycle  that 
immediately  follows  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. 

MINIMUM  MONTHLY  PAYMENT.  Though  You  need  only  pay  the  Minimum 
Monthly Payments, You understand that You have the right to repay Your Account 
or  make  larger  payments  at  any  time  without  penalty.  You  will  only  be  charged 
periodic Finance Charges to the date You repay Your entire Account balance. Any 
partial payment or prepayment of Your Account will not delay Your next scheduled 
payment. All payments to Us must be in lawful money of the United States. Your 
Periodic  Statement  will  include  instructions  on  where  to  send  Your  Minimum 
Monthly  Payment.  Payments  sent  by  You  to  an  address  other  than  that  which 
appears on Your statement may be subject to a delay in crediting to Your Account 
for up to five days. 

Payments  will  be  applied  in  the  following  order:  (a)  any  Finance  Charges  due  for 
Your balance for balance transfers; (b) any Finance Charges due for Your balance 
for cash advances; (c) any Finance Charges due for Your balance for purchases; (d) 
any  Fees  and  Charges  owing;  (e)  Your  balance  for  balance  transfers;  (f)  Your 
balance for cash advances; and then to (g) Your balance for purchases. 

Any  unpaid  portion  of  any  Finance  Charges  and  Late  Charges  will  be  paid  by 
subsequent  payments  and  will  not  be  added  to  the  principal.  You  understand  that 
any  payment  that  delays the  repayment  of  Your  unpaid  balance  will  increase  Your 
Finance  Charge  and  any  payment  that  accelerates  the  reduction  of  Your  unpaid 
balance will decrease Your Finance Charges. 

Minimum  Monthly  Payments  for  VISA  Platinum  and  VISA  Platinum  Plus  will  be  an 
amount  equal  to  2.00%  of  Your  unpaid  VISA  Platinum  or  VISA  Platinum  Plus 
Account  balance;  subject  to  the  lesser  of  $10  or  Your  balance.  In  addition  to  the 
Minimum Monthly Payment, You will also be required to pay any prior payments due 
which remain unpaid and any amounts which exceed Your Credit Limit. 

CONSENSUAL  LIEN.  As  permitted  by  law,  You  grant  and  consent  to  a  lien 
on  Your  shares  or  other  deposit  accounts  with  Us  (other  than  those 
deposits established under a governmental-approved tax deferral plan such 
as  an  IRA  or  Keogh  account)  and  any  dividends  due  or  to  become  due  to 
You from Us to the extent You owe on any unpaid Credit Card balance. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given 
as  security  under  this  Agreement  or  for  any  other  loan  You may  have  with  Us  will 
secure all amounts You owe Us now and in the future if that status is reflected in the 
"Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt.    

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing 
all  transactions  on  Your Account  including  amounts  paid  and  borrowed  since  Your 
last  statement. We  will  mail  You  a  statement  each  billing cycle  in  which  there  is  a 
debit  or  credit  balance  or  when  a  Finance  Charge  is  imposed.  We  need  not  send 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

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You  a  statement  if  We  feel  Your  Account  is  uncollectible  or  if  We  have  started 
collection  proceedings  against  You  because  You  defaulted.  Each  statement  is 
deemed  to  be  a  correct  statement  of  account  unless  You  establish  a  billing  error 
pursuant to the Federal Truth-In-Lending Act. 

OUR  RESPONSIBILITIES  TO  HONOR  LETTER  CHECKS.  We  are  under  no 
obligation to honor Your Letter Checks if: (1) by paying a Letter Check, You would 
exceed Your Credit Limit; (2) Your Cards or Letter Checks have been reported lost 
or  stolen;  (3)  Your  Account  has  been  cancelled  or  has  expired;  or  (4)  a  Letter  
Check is used for payment on this or any other loan Account with Us. If a postdated 
Letter Check is paid and, as a result, any other Letter Check is returned unpaid, We 
are not responsible for any resulting loss or liability. 

TRANSACTION  SLIPS.  Your  periodic  statement  will  identify  the  merchant, 
electronic terminal or financial institution at which transactions were made, but sales, 
cash advances, credit or other slips will not be returned with the statement. You will 
retain the copy of such slips furnished at the time of the transaction in order to verify 
Your monthly statement.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  the  merchant  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to 
Your Account. If Your credits and payments exceed what You owe Us, We will hold 
and apply this credit against future purchases and cash advances, or if it is $1.00 or 
more,  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  Share 
Account after six months. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

REFUSAL  TO  HONOR  CARDS  OR  LETTER  CHECKS.  We  are  not  liable  for  the 
refusal or inability of merchants, financial institutions and others to accept the Cards 
or  Letter  Checks,  or  electronic  terminals  to  honor  the  Cards  or  complete  a  Card 
withdrawal, or for their retention of the Cards or Letter Checks. 

LOST OR STOLEN CARDS, ACCOUNT NUMBERS AND/OR LETTER CHECKS. 
To  report  a  lost  or  stolen  Card,  Letter  Check  or  Account  Number,  You  will 
immediately  call  (800)  325-3678.  You  may  also  write  to  the  Credit  Card  Security 
Department, P.O. Box 24747, Tampa, FL 33623-4747. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
rates available in  wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date. For transactions 
that  are  initiated  in  a  foreign  currency,  You  will  be  charged  1.00%  of  the  final 
settlement  amount.    For  transactions  occurring  in  foreign  countries  and  initiated  in 
U.S. Dollars, You will be charged 0.80% of the final settlement amount. 

LATE  CHARGE.  If  Your  payment  is  not  received  by  Your  statement  closing  date, 
You will be charged the lesser of: (a) the amount of the minimum payment due; or 
(b) $25. 

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other 
slips You may sign or receive when using the Card contain terms, this Agreement is 
the contract which solely applies to all transactions involving Your Account. 

OTHER  FEES  AND  CHARGES.  You  agree  to  pay  Us  the  following  fees  and 
charges associated with the use of Your Card which will be charged to Your Account 
as  purchases:  (a)  the  lesser  of  $30  for  any  check  (or  other  negotiable  instrument 
used for payment on Your Account) that is returned unpaid, or the required minimum 
payment  amount  for  the  returned  payment;  and  (b)  $15  for  any  Letter  Check  on 
which You request Us to stop payment. 

DEFAULT.  You  will  be  in  default  if:  (a)  You  do  not  make  any  payment  or  perform 
any  obligation  under  this  Agreement,  or  any  other  agreement  that  You  may  have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial  proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or 
misleading statement in Your credit application and/or in Your representations to Us 
while You owe money on Your Account; or (d) A judgment or tax lien should be filed 
against You or any attachment or garnishment should be issued against any of Your 
property  or  rights,  specifically  including  anyone  starting  an  action  or  proceeding  to 
seize  any  of  Your  funds  on  deposit  with  Us;  and/or  (e)  We  should,  in  good  faith, 
believe  Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon  will  be 
impaired, time being of the very essence. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the Application and Your Credit Card, by using the Card, by 
using  Your  Account  or  by  authorizing  another  to  use  Your  Account,  You  agree  to 
accept its terms. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to 
this Agreement is an integrated part of this Agreement and Disclosure. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update personal  information or  other financial  information related  to You,  at  Our 
request.  You  also  agree  that We  may,  from  time  to  time,  as We  deem  necessary, 
make  inquiries  pertaining  to  Your  employment,  credit  standing  and  financial 
responsibility in accordance with applicable laws and regulations. You further agree 
that We may give information about the status and payment history of Your Account 
to consumer credit reporting agencies, a prospective employer or insurer, or a state 
or federal  licensing  agency having any  apparent legitimate business  need for  such 
information. 

If You are in default, We may, without notice or demand, and to extent permitted by 
law,  cancel  Your  rights  under  this  Agreement,  declare  the  entire  unpaid  balance 
immediately due and payable and require the return of all Cards and other Account 
Access devices.  

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all 
of  Our  costs  and  expenses,  including  reasonable  attorneys'  fees  incurred  in  the 
course of collecting any amounts owed under this Agreement or for the recovery of 
any collateral. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit 
under this Agreement.  However, You  may  purchase  any credit  insurance  available 
through  Us  and  have  the  premiums  added  to  the  outstanding  balance  of  Your 
Account.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 
documents  separately.  Any  credit  insurance  premiums  will  be  charged  to  Your 
Account as a purchase. 

TERMINATION.  Subject  to  applicable  law,  either  You  or  We  may  cancel  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 this Agreement.  

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
Commonwealth of Pennsylvania except to the extent that such laws are inconsistent 
with controlling federal law. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and Our responsibilities under the Fair Credit 
Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown in 
this Agreement. In Your letter, give us the following information: 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We  delay  enforcing  them. We  can  accept  late  payments,  partial  payments,  or  any 
other  payments,  even  if  they  are  marked  "paid  in  full",  without  losing  any  of  Our 
rights  under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full  force 
and effect.  

• 
• 
• 

Account information: Your name and Account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If You think there is an error on Your bill, describe what 
You believe is wrong and why You believe it is a mistake. 

UNAUTHORIZED  USE.  You  may  be  liable  for  the  unauthorized  use  of  Your 
Account. You will not be liable for the unauthorized use that occurs after You notify 
Us  orally  and  in  writing  at  the  address  or  telephone  number  shown  in  this 
Agreement,  of  the  loss,  theft,  or  possible  unauthorized  use.  In  any  case,  Your 
liability will not exceed $50. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
• 

At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  You 
want to stop payment on the amount You think is wrong. 

NOTIFICATION OF ADDRESS CHANGE. You  will notify Us promptly if You move 
or otherwise have a change of address.  

You must notify Us of any potential errors in writing. You may call Us, but if You do 
We are not required to investigate any potential errors and You may have to pay the 
amount in question. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

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What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 
1)  Within  30  days  of  receiving  Your  letter,  We  must  tell  You  that  We  received 

Your letter. We will also tell You if We have already corrected the error. 

2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

questioning  Your  bill.  We  must  tell  You  the  name  of  anyone  to  whom  we 
reported  You  as  delinquent,  and  We  must  let  those  organizations  know  when 
the  matter  has  been  settled  between  Us.  If  We  do  not  follow  all  of  the  rules 
above, You do not have to pay the first $50 of the amount You question even if 
Your bill is correct. 

explain to You why We believe the bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

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

•  We cannot try to collect the amount in question, or report You as delinquent on 

• 

that amount. 
The charge in question may remain on Your statement, and We may continue 
to charge You interest on that amount. 

•  While You do not have to pay the amount in question, You are responsible for 

the remainder of Your balance. 

•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

• 

• 

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

If  You  receive  Our  explanation  but  still  believe  Your  bill  is  wrong,  You  must 
write  to  Us  within  10  days  telling  Us  that  You  still  refuse  to  pay.  If  You  do  so, 
We  cannot  report  You  as  delinquent  without  also  reporting  that  You  are 

If You are dissatisfied with the goods or services that You have purchased with Your 
Credit  Card,  and  You  have  tried  in  good  faith  to  correct  the  problem  with  the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles of 
Your  current  mailing  address,  and  the  purchase  price  must  have  been  more 
than  $50.  (Note:  Neither  of  these  are  necessary  if  Your  purchase  was  based 
on  an  advertisement We  mailed  to  You,  or  if We  own  the  company  that  sold 
You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses Your Credit Card 
account do not qualify. 

3)  You must not yet have fully paid for the purchase.  

If  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied  with  the  purchase, 
contact Us in writing at Our address shown in this Agreement.  

While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed 
above. After We finish Our investigation, We will tell You Our decision. At that point, 
if  We  think  You  owe  an  amount  and  You  do  not  pay,  We  may  report  You  as 
delinquent. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

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2141 Downyflake Lane 
Allentown, PA 18103 
610-797-7440 
800-446-5598 

PRICI(cid:11)G I(cid:11)FORMATIO(cid:11) ADDE(cid:11)DUM –  
CREDIT CARD ACCOU(cid:11)T AGREEME(cid:11)T 
A(cid:11)D FEDERAL DISCLOSURE STATEME(cid:11)T 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  VISA 
PLATINUM AND VISA PLATINUM PLUS CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE 
BE  SURE  TO  READ  THIS  ADDENDUM  CAREFULLY  AND  NOTIFY  US  AT  ONCE  IF  ANY  PARTS 
ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You 
establish Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA Platinum Plus 9.90% – 14.90%; based on Your creditworthiness at the time 
You establish Your Account. 

These APRs will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish 
Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA  Platinum  Plus  9.90%  –  14.90%;  based  on  Your  creditworthiness  at  the  time  You 
establish Your Account. 

These APRs will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Platinum 8.90% – 17.90%; based on Your creditworthiness at the time You establish 
Your Account. 

These APRs will vary with the market based on the Prime Rate.  

VISA  Platinum  Plus  9.90%  –  14.90%;  based  on  Your  creditworthiness  at  the  time  You 
establish Your Account. 

These APRs 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 by Your payment's due date. We will begin charging interest on cash advances and 
balance transfers on the transaction date. 

Fees 

Transaction Fees 

•  Foreign Transaction Fee 

Penalty Fees 

•  Returned Payment 
• 
Late Payment 

1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $30.00 
Up to $25.00 after Your statement closing date 

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 on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances 
outstanding  during  the  month  (new  and  previous).  Separate  average  daily  balances  are  calculated  for  purchases,  balance  transfers  and  cash  advances  (including  Letter 
Checks). 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

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To get the average daily balance for purchases, We take the beginning balance for purchases each day, add any new purchases, debit adjustments or other charges and 
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily balances for purchases during the 
billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To get the average daily balance 
for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any 
payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily  balances for balance transfers during 
the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for balance transfers. To get the average 
daily balance for cash advances (including Letter Checks), We take the beginning balance for cash advances and Letter Checks each day, add any new cash advances and 
Letter  Checks,  debit  adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  Finance  Charges.  This  gives  Us  the  daily  balance  for  cash  advances 
(including Letter Checks). Then, We add up all the daily balances for cash advances (including Letter Checks) during the billing cycle and divide them by the number of days 
in the billing cycle. This gives Us the average daily transactions balances for cash advances (including Letter Checks). The Finance Charge for a billing cycle is computed by 
multiplying the average daily balance subject to a Finance Charge by the applicable Monthly Periodic Rate.   

You  can  avoid  Finance  Charges  on  purchases  each  month  by  paying  the  full  amount  of  the  entire  balance  owed  by  the  payment  due  date  reflected  in  Your  periodic 
statement.  

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. Balance Transfers 
and cash advances (including Letter Checks) are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the 
billing cycle in which the cash advance is posted to Your Account. 

The Monthly Periodic Rate that will apply to Your VISA Platinum Account is 0.7417% - 1.4917% (corresponding ANNUAL PERCENTAGE RATE of 8.90% - 17.90%), based on 
Your creditworthiness at the time You establish Your Account. 

The Monthly Periodic Rate that will apply to Your VISA Platinum Plus Account is 0.8250% - 1.2417% (corresponding ANNUAL PERCENTAGE RATE of 9.90% - 14.90%), 
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 last business day of each calendar month ("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 first day of the billing cycle that immediately follows 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. 

The Margin that will apply to Your VISA Platinum Account is 5.65% - 14.65%, based on Your creditworthiness at the time You establish Your Account. 

The Margin that will apply to Your VISA Platinum Plus Account is 6.65% - 11.65%, based on Your creditworthiness at the time You establish Your Account. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

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