FNB Smart Rate Credit Card  
INTEREST RATE AND INTEREST CHARGES  
Annual Percentage Rate  (APR) 
for Purchases 0% in troductory APR f or the first 1 2 months from date of accou nt opening
After that, you r APR will be 11.99%,  15.99% or 19.99% based on your  
creditworthine ss 
This A PR w ill vary with the market bas ed on the Pri me Rate. 
APR for Balance Transfers  0% introductory APR for months from date of account opening wh en the balance is transferred 
within the first 60 days following accoun t opening. 
After that, your APR will be 11.99%, 15.99% or 19.99% based on your 
creditworthiness 
This A PR w ill vary w ith the market bas ed on the Prime Rate 
APR for Cash Advances  22.49% 
This A PR w ill vary w ith the ma rket bas ed on the Prime Rate. 
Penalty APR and When It Applies  24.00%  
This APR may be applied to your account if you make your payment more than 60 days after the payment due date. 
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. If you do not make 
six consecutive payments when due, the Penalty APR will apply indefinitely.  
How to Avoid Paying Interest 
on Purchases Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  
Minimum Interest Charge  If you are charged periodic interest, the charge will be no less than $1.50.  
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.c onsumerfinance.gov/learnmore  
FEES  
Annual Fees  None  
Transaction Fees  
�Cash  Advance
�Balance Transfer
�Foreign  Fees  Either $10.00 or 3.0% of the amount of each cash advance, whichever is greater. 
Either $10.00 or 4.0% of the amount of each balance transfer, whichever is greater.  
2.0% of each transaction in U.S. dollars.  
Penalty Fees  
�Late Payment $25.00  
�Returned  Payment $25.00  
How we will calculate your balance: For Purchases we use a method called �average daily balance (excluding new purchases)�.  How we will calculate your variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.  Prime Rate: We add 8.74%, 12.74% or 16.74% based on your credit worthiness to the Prime Rate to determine the Purchase/Balance Transfer APR. We add 19.24% to the Prime Rate to determine the Cash Advance APR. For example, if the Prime Rate is 4.75% we add 8.74%, 12.74% or 16.74% to the Prime Rate to determine your Purchase/ Balance Transfer Rate of 13.4 9%, 17.49% or 21.49%. Likewise, if the Prime Rate is 4.75% we add a 19.24% margin to the rate to calculate the Cash Advance APR of 23.99%.  Discretionary Fees: You may incur other fees for using this card at your discretion: 1. Pay By Phone Fee � $10 for using a live representative to make a payment via phone; doesn�t apply to payments made via our automated payment system. 2. Overnight Card Fee � If you request, and we agree to overnight a card to you a $50 fee will be assessed. The fee is subject to change. Additional fees apply for Saturday delivery. Cardholder Agreement: To review a copy of our Cardholder Agreement please visit www.fnb- online.com/creditcard.  Pay By Phone 
Fee $10.00 for using a live representative to make a 
payment via telephone; this fee does not apply 
to payments made via our a utomated telephone 
payment system  
Overnight Card 
Fee If you request that we overnight a card to you 
and we agree, a fee for expediting the creation 
and mailing of a card will be assessed to your 
overnight delivery on a business day is $50.00 
and is subject to  change. Additional fees apply 
for Saturday delivery  Limitations & Warnings �You may not use this account, to make a payment on this or any other credit account with us or our  affiliates. �You may not use or permit your account to be used to make any illegal  transaction. �You will only use your account for transactions that are legal where you conduct them. For example, Internet gambling transactions may beillegal in your state. �Display of a payment card logo by an online merchant does not mean that an Internet transaction is legal where you conduct it. We may charge your account for such transactions.�We will not be liable if you engage in an illegal  transaction. �We may deny authorization of any transactions identified as Internet  gambling. �You may not use your account to conduct transactions in any country or territory or with any individual or entity that is subject  to economic sanctions administered and enforced by the U.S. Department of the Treasury�s Office of Foreign Assets Control (OFAC). Use of your card in those countries will be blocked.Other Discretionary Fees In addition to the other fees previously noted, you may incur the following fees for using this card at your discretion:  
The informatio n about the costs of the  card described in this a pplication is accurate as of March 202 0. This information 
may hav e changed afte r that dat e. To find out w hat may have changed, call us at 1- 800-555-5455. 
Military Le nding APR:  Federal law p rovides i mportant pr otections t o members of t he Armed Force s and their d epende nts relating to 
extensions of c onsumer c redit. I n general, t he cost of c onsumer c redit t o a member o f the Armed Forces and his or her depende nt may no t 
exceed an annual per centage rate of 36 percent. T his rate must include, a s applicable to the credit t ransacti on or ac count: T he costs 
associated with credit i nsurance premiums; f ees f or anc illary pr oducts sold in conn ection with the credit t ransaction; a ny appl ication fee 
charged (oth er than certain a pplication fees f or specified credit t ransactions or ac counts); a nd any par ticipation fee charged (othe r than 
certain participation fees for a credit c ard account). T hese disclosures c an be pro vided to you verbally, t oll-free, by c alling 1- 844-334-3810.