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 �  
        8805 University Boulevard  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  PLATINUM 
        Moon Township, PA 15108  MASTERCARD �  AND PREMIUM WORLD� MASTERCARD �
                                                          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 � : ________% Introductory APR for 12 billing cycles. 
                             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       
                           
    ?  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           
                                                                 ANNUAL PERCENTAGE RATE 
    Credit Card                                 Monthly Periodic Rate 
                                                                      for Purchases 
                           Index    Margin        for Purchases 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                 
     
                              Variable Rate           
                                                                 ANNUAL PERCENTAGE RATE 
    Credit Card                                 Monthly Periodic Rate 
                                                                    for Balance Transfers 
                           Index    Margin      for Balance Transfers 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
     
                              Variable Rate           
                                                                 ANNUAL PERCENTAGE RATE 
    Credit Card                                 Monthly Periodic Rate 
                                                                    for Cash Advances 
                           Index    Margin      for Cash Advances 
                                                                          
    Platinum Mastercard �    __________%  __________%  __________%   __________% 
                                                                          
    Premium World� Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
    Secured Platinum Mastercard �   __________%  __________%  __________%  __________% 
                                                                          
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  In addition, You will pay any amount over Your Credit Limit on Our demand whether or 
   place that it is honored and to get cash advances at participating financial institutions.  not We authorize the advances which caused You to exceed Your Credit Limit. Even if 
   You agree not to use Your Card for illegal transactions including, but not limited to,  Your unpaid balance is less than Your Credit Limit, You will have no credit available 
   advances made for the purpose of gambling and/or wagering where such practices  during any time that any aspect of Your Account is in default. 
   are in violation of applicable state and/or federal law.   
                                             JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   SECURITY. You acknowledge that You own any shares and/or collateral pledged as  repayment of any amounts owed. If any Account access device, such as a Personal 
   security and that there are no other liens against them other than Ours. You agree  Identification Number (PIN) is requested and approved, You understand that any 
   to perform all acts which are necessary to make Our security interest in the shares  such Account access device(s) will be mailed only to the primary Borrower at the 
   and/or collateral being pledged enforceable.  address that We have on file for You. We may refuse to follow any instructions which 
                                             run counter to this provision. 
   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  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
   secure all amounts You owe Us now and in the future if that status is reflected in the  only pay the Minimum Monthly Payments, You understand that You have the right 
   "Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.  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 
    LIEN ON SHARES. You grant and consent to a lien on Your shares with  may make larger payments without penalty. Any partial payment or prepayment 
    Us (except for IRA and Keogh accounts) and any dividends due or to    will not delay Your next scheduled payment. All payments to Us must be in lawful 
    become due to You from Us to the extent You owe on any unpaid Credit  money of the United States. Unless instructed otherwise, We may apply each 
    Card balance.                            payment to whichever Card We wish. Except as required by law, the order in which 
                                             We may apply payments is at Our discretion.  
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Platinum   
   Mastercard �  Credit Card, You agree to give Us a specific pledge of shares which will  Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
   equal Your approved Credit Limit. In the event that You default on Your Account, We  will not be added to Your principal balance. You understand that any delay in the 
   may apply these shares toward the repayment of any amount owed on Your Secured  repayment of Your unpaid balance will increase Your periodic Finance Charges and 
   Platinum  Mastercard �   Credit  Card.  You  may  cancel  Your  Secured  Platinum  any acceleration in the repayment of Your unpaid balance will decrease Your 
   Mastercard �  Credit Card at any time by paying any amounts owed on such Account.  periodic Finance Charges.  
   To be certain that Your entire balance and all advances are paid, any shares pledged  Platinum  Mastercard � ,  Premium  World�  Mastercard � ,  and  Secured  Platinum 
   may  not  be  available  to  You  for  30  days  after  You  have  cancelled  and  any  Mastercard �  Minimum Payments will be an amount equal to 2.00% of Your new 
   outstanding balance is paid in full.      unpaid Platinum Mastercard � , Premium World� Mastercard � , or Secured Platinum 
                                             Mastercard �  balance at the end of each billing cycle, subject to the lesser of $20.00 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  or  Your  balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior 
   Credit Card for which You are approved. Unless You are in default, any Credit Limits  statement(s) which remains unpaid, plus any amount that exceeds Your approved 
   established for You will generally be self-replenishing as You make payments.   Credit Limit. 
                                              
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You  You may, by separate agreement, authorize Us to charge Your payment directly to 
   understand that We may decline any transaction that would exceed that Credit Limit.  Your share or share draft account. 
                                              
   Copyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.  Page 2 of 4                                                             OTBS 016CC-Variable FRB_WEB CLEA (12/19) 
    
   LATE CHARGE. If Your payment is one or more days late, You will be charged the  DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge  obligation under this Agreement, or any other agreement that You may have with Us; 
   within 6 months of previously incurring a late charge); or (b) the amount of the  or (b) You should die, become involved in any insolvency, receivership or custodial 
   required minimum payment.                 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 
   RETURNED PAYMENT FEE. You will be charged a fee for any check (or other  owe money on Your Account; or (d) A judgment or tax lien should be filed against 
   negotiable instrument used for payment) which is returned unpaid. The fee will be  You or any attachment or garnishment should be issued against any of Your property 
   an amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You  or rights, specifically including anyone starting an action or proceeding to seize any 
   have incurred a returned payment fee within 6 months of previously incurring a  of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your 
   returned payment fee); or (b) the required minimum payment amount for the  ability to repay Your indebtedness hereunder is or soon will be impaired, time being 
   returned payment.                         of the very essence.  
                                              
   OTHER FEES AND CHARGES. You will be charged the following fees associated  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   with the use of Your Card: (a) $30.00 for each replacement Card that You request  Your rights under this Agreement, require the return of all access devices and 
   be  provided  on  an  expedited  basis;  (b)  $5.00  for  each  replacement  Personal  declare the entire balance of Your Account immediately due and payable, without 
   Identification Number (PIN) that You request; (c) $5.00 for each sales draft or  prior notice or demand.  
   statement copy You request; and (d) a cash advance fee FINANCE?CHARGE of   
   3.00% of each advance obtained at a financial institution and/or ATM.  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
                                             on this Account, and to the extent permitted by law, You agree to pay all court costs, 
   FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Platinum  private process server fees, investigation fees or other costs incurred in collection 
   Mastercard � , Premium World� Mastercard � , and Secured Platinum Mastercard � ,  and reasonable attorneys� fees incurred in the course of collecting any amounts 
   the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  owed under this Agreement or in the recovery of any collateral. 
   transactions balances outstanding during the month (including new transactions).   
   To get the average daily balance, We take the beginning balance each day, add any  ENFORCEMENT. We do not lose Our rights under this or any related agreement if We 
   new  purchases,  cash  advances,  balance  transfers,  insurance  premiums,  debit  delay enforcing them. We can accept late payments, partial payments or any other 
   adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  payments, even if they are marked "paid in full" without losing any of Our rights under 
   Finance Charges. This gives Us the daily balance. Then, We add up all the daily  this Agreement. If any provision of this or any related agreement is determined to be 
   balances for the billing cycle and divide them by the number of days in the billing  unenforceable or invalid, all other provisions remain in full force and effect. 
   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.  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
                                             or otherwise have a change of address. 
   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.  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   Otherwise, the new balance of purchases, and subsequent purchases from the  delivering to You written notice of the changes as prescribed by the Federal Truth-
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   advances and balance transfers are always subject to a Finance Charge from the  Agreement includes, but is not limited to, the right to change the periodic rate 
   date of the transaction.                  applicable to Your unpaid balance and/or future advances. 
                                              
   During the first 12 billing cycles following the date that You establish a Premium  INTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your 
   World� Mastercard �  Credit Card, Your entire balance for purchases will be subject  Account, and is delivered together with this Agreement or at a later date becomes 
   to  a  Monthly  Periodic  Rate  of  __________%  (corresponding  ANNUAL  an integrated part of this Agreement and Disclosure. 
   PERCENTAGE RATE _________%). Upon the expiration of the Introductory Rate   
   period, the Monthly Periodic Rate applicable to Your entire balance of purchases  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   existing at that time and in the future will immediately increase to __________%  By signing the application; or by using Your Account or any Account access device; 
   (corresponding ANNUAL PERCENTAGE RATE of __________%).  or by authorizing another to use Your Account, You agree to and accept its terms. 
                                              
   For  all  credit  cards  (except  Premium  World�  Mastercard � ),  balance  transfer  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   transactions made within 30 days of account opening will accrue finance charges at  to update information contained in Your original Account application or other financial 
   an Introductory Monthly Periodic Rate of _____________% (corresponding to an  information related to You, at Our request. You also agree that We may, from time 
   ANNUAL PERCENTAGE RATE of _____________%) for the first 12 billing cycles  to time, as We deem necessary, make inquiries pertaining to Your employment, 
   immediately following the date Your account is established. Upon the expiration of  credit standing and financial responsibility in accordance with applicable laws and 
   such 12 billing cycle period, Your entire balance for balance transfers will be subject  regulations. You further agree that We may give information about the status and 
   to the standard rate described elsewhere in 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 
   VARIABLE RATE. All advances are subject to a Variable Rate which is based on  apparent 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 last day of each month of each year ("Index") plus Our Margin.  TERMINATION. Either You or We may cancel Your Account or any particular Credit Card 
   The Index plus the Margin equals the Interest Rate. Changes in the Index will cause  of Your Account, at any time, whether or not You are in default. You will, in any case, 
   changes in the Interest Rate on the first day of the billing cycle immediately following  remain liable to pay any unpaid balances according to the terms of Your Account. 
   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  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   regularly scheduled payments. Your Interest Rate will never be greater than 18.00%,  Commonwealth of Pennsylvania except to the extent that such laws are inconsistent 
   and will apply to Your remaining principal balance.   with controlling federal law. 
                                              
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   all transactions on Your Account including amounts paid and borrowed since Your  time without notice. You agree to surrender Your Card and to discontinue its use 
   last statement. We will mail You a statement each month in which there is a debit or  immediately upon Our request. 
   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  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
   proceedings against You because You defaulted. Each statement is deemed to be a  Your request, a Personal Identification Number (PIN) for use with participating 
   correct statement of account unless You establish a billing error pursuant to the  ATMs. This PIN is confidential and should not be disclosed to anyone. You may 
   Federal Truth-In-Lending Act.             use Your PIN to access Your Account and all sums advanced will be added to 
                                             Your balance. In the event a use of Your PIN constitutes an Electronic Fund 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement 
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,  may also affect Your rights.  
   You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been   
   reported lost or stolen; (3) Your Account has been cancelled or has expired. If a  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   postdated Convenience Check is paid and, as a result, any other Convenience Check  slips You may sign or receive when using Your Card contain terms, this Agreement 
   is returned unpaid, We are not responsible for any resulting loss or liability.  is the contract which solely applies to all transactions involving the Card. 
   Copyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.  Page 3 of 4                                                             OTBS 016CC-Variable FRB_WEB CLEA (12/19) 
    
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  What Will Happen After We Receive Your Letter 
   You will not be liable for the unauthorized use that occurs after You notify Us of the   
   loss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing  When We receive Your letter, We must do two things: 
   to Us at the address shown in this Agreement. In any case, Your liability will not   
   exceed $50.00.                            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. 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  2)   Within 90 days of receiving Your letter, We must either correct the error or 
   the refusal or inability of merchants, financial institutions and others to accept the Cards    explain to You why We believe the bill is correct. 
   or Convenience Checks, or electronic terminals to honor the Cards or complete a Card   
   withdrawal, or for their retention of the Cards or Convenience Checks.  While We investigate whether or not there has been an error: 
                                              
   FOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD� MASTERCARD � ).  �  We cannot try to collect the amount in question, or report You as delinquent 
   For transactions initiated in foreign currencies, the exchange rate between the    on that amount. 
   transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected  �  The charge in question may remain on Your statement, and We may continue 
   by Mastercard from the range of rates available in wholesale currency markets for    to charge You interest on that amount. 
   the applicable central processing date, which rate may vary from the rate Mastercard  �  While You do not have to pay the amount in question, You are responsible for 
   itself receives; or (b) the government-mandated rate in effect for the applicable    the remainder of Your balance. 
   central processing date. For transactions initiated in a foreign currency, and for  �  We can apply any unpaid amount against Your Credit Limit. 
   transactions occurring in foreign countries and initiated in U.S. Dollars, You will be   
   charged 2.00% of the final settlement amount.  After We finish Our investigation, one of two things will happen: 
                                              
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  �  If We made a mistake: You will not have to pay the amount in question or any 
   electronic terminal or financial institution at which transactions were made, but sales,    interest or other fees related to that amount. 
   cash advances, credit or other slips cannot be returned with the statement.  �  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 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards    statement of the amount You owe and the date payment is due. We may then 
   or Convenience Checks, You will immediately call Us at (800) 449-7728 or write to    report You as delinquent if You do not pay the amount We think You owe.  
   Us at the address shown in this Agreement.    
                                             If You receive Our explanation but still believe Your bill is wrong, You must write to 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
   adjustments, they will do so by sending Us a slip which will be posted to Your  report You as delinquent without also reporting that You are questioning Your bill. 
   Account. If Your credits and payments exceed what You owe Us, We will hold and  We must tell You the name of anyone to whom We reported You as delinquent, and 
   apply this credit against future purchases and cash advances, or if it is $1.00 or more  We must let those organizations know when the matter has been settled between 
   refund it on Your written request or automatically deposit it to Your share account  Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
   after six months.                         of the amount You question even if Your bill is correct. 
                                              
        Your Billing Rights: Keep this Document for Future Use  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                              
   This notice tells You about Your rights and Our responsibilities under the Fair  If You are dissatisfied with the goods or services that You have purchased with Your 
   Credit Billing Act.                       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 
         What To Do If You Find A Mistake On Your Statement  purchase. To use this right, all of the following must be true: 
                                              
   If You think there is an error on Your statement, write to Us at Our address shown in  1)  The purchase must have been made in Your home state or within 100 miles 
   this Agreement. In Your letter, give Us the following information:    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 
   �  Account information: Your name and Account number.    was based on an advertisement We mailed to You, or if We own the company 
   �  Dollar amount: The dollar amount of the suspected error.    that sold You the goods or services.) 
   �  Description of problem: If You think there is an error on Your bill, describe  2)  You must have used Your Credit Card for the purchase. Purchases made with 
     what  You believe is wrong and why You believe it is a mistake.     cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   You must contact Us:                      3)  You must not yet have fully paid for the purchase.  
                                              
   �  Within 60 days after the error appeared on Your statement.  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   �  At least 3 business days before an automated payment is scheduled, if You  contact Us in writing at Our address shown in this Agreement.  
     want  to stop payment on the amount You think is wrong.    
                                             While We investigate, the same rules apply to the disputed amount as discussed 
   You must notify Us of any potential errors in writing. You may call Us, but if You do  above. After We finish Our investigation, We will tell You Our decision. At that 
   We are not required to investigate any potential errors and You may have to pay the  point, if We think You owe an amount and You do not pay, We may report You 
   amount in question.                       as delinquent.
   Copyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.  Page 4 of 4                                                             OTBS 016CC-Variable FRB_WEB CLEA (12/19) 
    
                                  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 � : 10.74% - 18.00% 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 13.75% - 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 � : 10.74% - 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. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 3.99% Introductory APR for 12 billing cycles.  
    For Balance Transfers   After that Your APR will be 10.74% - 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. 
                           
                          Premium World� Mastercard � : 13.75% - 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 � : 3.99% Introductory APR for 12 billing cycles. 
                          After that Your APR will be 10.74% - 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. 
                           
    Annual Percentage Rate (APR)  Platinum Mastercard � : 10.74% - 18.00% 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 � : 13.75% - 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 � : 10.74% - 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. 
                           
    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., 2010-2019. All Rights Reserved.   Page 1 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (12/19) 
    
   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 �  Credit Card balances for purchase, 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 1.14589% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 13.75% - 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 1.14589% - 
   1.5000% (corresponding ANNUAL PERCENTAGE RATE of 13.75% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 
    
   For all Credit Cards (Except Premium World� 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 to an ANNUAL PERCENTAGE RATE of 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, Your entire balance for balance transfers will be subject to the standard rate described elsewhere 
   in this Agreement. 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 0.8950% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 10.74% - 18.00%), 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 
   0.8950% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 10.74% - 18.00%), 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 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 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., 2010-2019. All Rights Reserved.   Page 2 of 2                        OTBS 016A CC-Variable FRB_WEB CLEA (12/19)