by you within Three (3) days after the Payment Due Date in any month.
The late fee shall be equal to $25 for the first late fee in any six 
consecutive billing cycles and $35 for any additional late payment
during the same six consecutive billing cycles. However, in no event 
shall the late fee be greater than the Minimum Payment due prior to the 
charging of the late fee. You agree that you will not charge a late fee 
for the same event or transaction in which you charge a returned check 
payment fee.
Returned Payment Check Fee. 
If I make payment by check and the check is returned unpaid for any 
reason, my Account will be charged a returned check payment fee. The 
returned payment check fee shall be equal to $25 for the first late fee in
any six consecutive billing cycles and $35 for any additional returned
check during the same six consecutive billing cycles. However, in no event
shall the returned payment check fee be greater than the Minimum
Payment due prior to the date on which the check is returned. You agree
that you will not charge a returned check payment fee for the same event
or transaction in which you charge a late fee. 
Stop Payment Fee.  
A $10 fee will be charged to my account if I request that you place a stop
payment on a Credit Access Check.
Check Printing Fees.  
My Credit Access Checks are free. 
Copy Fees.  
If I request a copy of a Periodic Statement, a charge slip or other 
document not in connection with a billing error, you will charge my 
Account as follows:
(1)      $3 for each copy of a Periodic Statement other than the Periodic
Statement for the current billing cycle or the two preceding billing 
cycles; and
(2)      $2 for each copy of a charge slip or other document.
Foreign Exchange Fee. 
A 3% fee will be charged to my Account for each Advance involving 
currency other than U.S. Dollars. The amount of any such Advance will 
be converted into U.S. Dollars.  The exchange rate used to convert foreign
currency into U.S. Dollars for any such Advance will be selected by VISA
from the range of exchange rates available in the wholesale currency 
markets or the applicable government-mandated exchange rate.
The 3% fee will be charged to my Account based on the U.S. Dollar 
amount of the Advance.
Lost Card Fee.
You reserve the right to charge me a fee of $10.00 for replacement of 
lost cards.

c.

d.

e.

f.

g.

h.

14.     Credit Access Checks. Credit Access Checks are available upon request. 

You reserve the right to review and deny any requests for Credit Access Checks
due to unsatisfactory Account status.

15.     Application of Payments. Payments you receive from me will be applied as

follows: (1) you will apply payments first to interest and then to credit life
charges, if applicable (2) you will then apply payments to fees; (3) you will then
apply payments in excess of the minimum payment to balances with the highest
APR and then to balances in descending order based on APR (highest to lowest). 

16.     Events of Default. I will be in default under this Agreement if any of the 
following events or circumstances occurs: (a) if I fail to comply with the
Minimum Payment or any other terms, covenants or conditions of this 
Agreement, or of any other agreement I have with you; (b) if I made a material
false or misleading statement in my credit application; (c) if I exceed my Limit;
(d) if I die or become insolvent; (e) if a petition is filed or other proceedings are 
started under the Federal Bankruptcy Code of any state insolvency statute by or 
against me; (f) if a judgement or tax lien is filed against me; (g) if a Receiver is 

appointed for me; or (h) if a writ or order of attachment, levy or garnishment is 
issued or any proceeding is started against me or any of my property, assets or
income.

17.     Entire Balance Due. If any of the above events or circumstances of defaults

occurs, your obligation to make further Advances to me shall, at your option and
without prior notice to me, immediately end and my entire Outstanding Balance
shall, at your option, become immediately due and payable without prior notice
to me. Upon acceleration, interest shall be due on the entire Principal Balance at
the variable ANNUAL PERCENTAGE RATE provided in Section 8.3, until paid in
full, including after you obtain a judgement against me.

18.     Termination. You or I may terminate this Agreement at any time by providing

notice to the other, and no further Advances to me shall occur. Termination will
not affect my obligation to repay amounts owed under the Plan. I agree to return
all Credit Cards and Credit Access Checks to you upon termination of this 
Agreement.

19.     Amendments. You may amend the terms of this Agreement, from time to time,
upon written notice to me at my address shown in your records. Except as
otherwise permitted by law, my use of the Plan after the effective date of such
amendment shall constitute consent to the new terms, and the new terms shall
apply to both new Advances made on or after the effective date and to any 
unpaid Outstanding Balances that I owe you on the effective date.

20.     Joint and Several Liability. If more than one person signs an application for a

Credit Card, each of us is separately and all of us jointly are obligated under this
Agreement. Each of us is authorized to act on behalf of the other person(s) with
regard to the Plan and the Agreement and written notice to one person is notice
to the other person(s).

21.     Liability for Unauthorized Use. If I notice the loss or theft of my credit card or 

a possible unauthorized use of my card, I should write to you immediately at
Credit Card Operations, P.O. Box 1700, Pittsburgh, PA 15230 or call 
877-732-2296. I will not be liable for any unauthorized use that occurs after I
notify you. I may, however, be liable for unauthorized use that occurs before my 
notice to you. In any case, my liability will not exceed $50. I will not be liable for
the unauthorized use of my credit card for transactions covered by Visa’s Zero 
Liability Policy. I understand that the Visa Zero Liability Policy does not apply to
commercial credit cards or ATM transactions or PIN transactions not processed
by Visa. I understand I may be liable for the unauthorized use of my credit card
for transactions not covered by Visa’s Zero Liability Policy. 

22.     Change of Address. I will advise you promptly if I change my mailing address.

All written notices and statements from you to me will be considered given when
placed in the U. S. Mail, postage prepaid, and addressed to me at my current 
address in your records.

23.     Security Interest. I understand and agree that I have provided you with a 

deposit account (“Security Account”) to serve as security for my Account.
I understand and agree that all funds in the Security Account as of the date my
Account is opened, or thereafter deposited, will be used as collateral to secure 
my Account. I hereby pledge and grant you as the date my Account is opened 
a security interest in the Security Account and all funds deposited therein as of
such date and thereafter.

I understand and agree that I will have no right to make withdrawals from the

Security Account except as permitted by you at your sole discretion for amounts 
in the Security Account in excess of my Account obligations. I also understand
that if my Account Limit is increased, you may require additional funds be 
deposited in the Security Account. I hereby authorize you to withdraw funds from
the Security Account and apply those funds to my obligations under the Account
without sending me any additional notice or demand for payment.

24.     Miscellaneous. You shall have no liability for any third party refusal to accept or
honor the Credit Card or Credit Access Checks. Foreign Purchases and Cash 
Advances are subject to monetary exchange rates which will be reflected on my
statements. You may accept late payments or partial payments, or checks, drafts
or money orders marked “Payment in Full,” without losing any of your rights
under this Agreement. If any provision of this Agreement is held to be invalid,
such invalidity will not affect the remaining provisions. This Agreement is 
governed under the laws of the Commonwealth of Pennsylvania and federal law.

YOUR BILLING RIGHTS: KEEP THIS NOTICE 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:

Dollar Bank
PO Box 1700
Pittsburgh, PA  15230

In your letter give us the following information:

•  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, 

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 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.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases

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 that purchase.

To use that 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.

describe what you believe is wrong and why you believe it is a mistake.

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:

Dollar Bank
PO Box 1700
Pittsburgh, PA  15230

Dollar Bank Secured Credit Card - Variable Rate
Line of Credit Agreement - Disclosure Statement

Interest Rates and Interest Charges
.
12.24%
This APR will vary with the market based 
on the Prime Rate.

Annual Percentage Rate
(APR) for Purchases

APR for Balance 
Transfers 

12.24%

This APR will vary with the market based on
the Prime Rate.

APR for Cash Advances

16.24%. This APR will vary with the 
market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after 
the close of each billing cycle. We will 
not charge you interest on purchases or
balance transfers if you pay your entire
balance by the due date each month. We
will begin charging interest on cash 
advances 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. 

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.

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.

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 explain to you why we believe the bill is correct.

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.

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.

Fees

Annual Fee 

$15.00

Transaction Fees
• Balance Transfer

• Cash Advance

• Foreign Transaction 

Either $5.00 or 3% of the transfer, whichever
is greater. Maximum fee is $150.00. 

Either $5.00 or 3% of the cash advance,
whichever is greater. 

3% of the $US value of each transaction.
$0.50 minimum.

Penalty Fees
• Late Payment
• Returned Payment

Up to $35.00
Up to $35.00

Information is current as of January 1, 2012  and may change thereafter.
For details, call 1-800-447-2823.

How We Will Calculate Your Balance:  We use a method called "average daily 
balance” (including new purchases). See this account agreement for more details.

Billing Rights:  Information on your rights to dispute transactions and how to 
exercise those rights is provided at the end of this account agreement.

Equal Housing Lender, Member FDIC.

Copyright © 2012, Dollar Bank, Federal Savings Bank.

F3160

CMD948_11
JAN TP 1500

This Agreement and Disclosure Statement contains the terms and conditions which
apply to my line of credit plan (the “Plan”) with Dollar Bank, Federal Savings Bank.

1.     Meaning of Certain Words. The words “I,” “me,” and “my,” which also mean
“we,” “us,” and “our” if more than one customer, mean the person or persons 
who use or authorize the use of the Credit Card or sign an application for a credit
card. The words “you,” “your,” and “yours” mean Dollar Bank, Federal Savings
Bank. “Credit Card” means the VISA cards issued in my name for use with my
Account. “Account” means the account on your books that records the Purchases
I make, the Balance Transfers I make and the Cash Advances I get from you 
pursuant to, and also all FINANCE CHARGES and other charges and fees you 
impose from time to time under the Plan. “Advance” means any extension of
credit I obtain under the Plan, whether in the form of a Purchase, a Balance 
Transfer or a Cash Advance. “Purchase” means a purchase of goods or services
that I charge to my account pursuant to the Plan. Balance Transfer means a 
transfer of money I owe to another credit card company to my Dollar Bank Credit
Card Account. “Cash Advance” means any extension of credit I obtain under the
Plan which is not a Purchase or Balance Transfer. “Credit Access Checks” means
special checks drawn on my account which are available only if I request them.

2.     Use of Credit Card Plan. My use of the Account or Credit Card means that I 

accept this Agreement. The Plan permits me to make Purchases from merchants,
make Balance Transfers and obtain Cash Advances. I may make Purchases by
presenting the Credit Card to a merchant and signing a sales slip or by providing
my Account number and other appropriate information to a merchant. I may make
a Balance Transfer by using Credit Access Checks. I may obtain Cash Advances by
using Credit Access Checks or by using the Credit Card at financial institutions or
automated teller machines (“ATM’s”) that accept the credit card. If the Credit
Card is used at a financial institution, I must sign a Cash Advance request. If the
Credit Card is used at an ATM, I must use my Personal Identification Number
(“PIN”) and instructions via the ATM will be the same as a written Cash Advance
request bearing my signature. All advances under the Plan which are paid or 
advanced by you are loans to me. I will not use my Credit Card, make a Balance
Transfer or write a Credit Access Check to obtain loans in excess of the Available
Credit (the difference between the Outstanding Balance and the Limit, as defined
below) on my account.

3.     Ownership. The Credit Card remains your property and may be cancelled by you
at any time without notice. I agree to surrender the Credit Card and all other 
access devices and to discontinue use of the Plan by any other means 
immediately upon your request.

4.     Maximum Credit Limit. You will provide me with notice of the total dollar amount 
against which I may obtain Advances under the Plan (the “Limit”). I agree that
you may reduce the Limit at any time upon notice to me. I agree never to allow the
total balance that I owe you from time to time, including the principal balance
and accrued FINANCE CHARGES and other charges and fees imposed under the
Plan (the “Outstanding Balance”) to exceed the Limit. I also agree that you are
not obliged to, but may in your sole discretion, extend credit to me for an amount
that would make the Outstanding Balance exceed the Limit, or for any amount if 
the Outstanding Balance already over the Limit.  I shall pay any amounts which 
exceed my Limit upon demand.

5.     You Agree. Subject to my promise not to let my Outstanding Balance exceed my 
Limit: you agree (1) to pay the merchant for all properly drawn sales slips which
bear the imprint of the Credit Card and are signed by me or which are otherwise
authorized; and (2) to honor properly drawn Credit Access Checks and requests 
for Cash Advances which bear the imprint of the Credit Card and are signed by 
me or which include my PIN; and (3) to execute Balance Transfers in a timely 
manner regardless of the method I choose to enable this option.

6.     I Agree. I agree (1) to pay you for all Advances, fees and charges, if any, and 
FINANCE CHARGES on my Account, in U.S. Dollars according to the terms and 
conditions of this Agreement; (2) to provide you with such credit information as
you may request from time to time; (3) to notify you in writing if a Periodic 
Statement (as defined below) is incorrect within 60 days of the date it is mailed,
and that my failure to do so means the statement is correct and accepted by me;
(4) to pay, as permitted to be charged under applicable law, costs and expenses
(including reasonable attorney fees) incurred by you in any collections proceedings
initiated to collect amounts owed to you by me; (5) to notify you of any lost or 
stolen Credit Cards or Credit Access Checks; and (6) not to permit anyone other 
than myself to use the Credit Card, Credit Access Checks or any other feature of 
the Credit Card Plan.

7.     Periodic Statement. If there is any activity on my Account or there is an 

Outstanding Balance on my Account, you agree to send me a periodic statement
showing the amount of all Cash Advances, Purchases, Balance Transfers, 
FINANCE CHARGES and other charges or fees, and payments and credit posted 
to my Account during the billing cycle (the “Periodic Statement”). The Periodic 
Statement will also show me the total amount due as of the end of the billing
cycle (the “New Balance”), the average daily balances of my Purchases, Balance
Transfers and Cash Advances, the minimum monthly payment amount (the 
“Minimum Payment”) and the due date for the receipt of the Minimum Payment
(the “Payment Due Date”).

8.     Finance Charge. I also agree to pay a FINANCE CHARGE on my Account which you

will impose as follows:
a.

Periodic FINANCE CHARGE
The periodic FINANCE CHARGE will not be imposed on Purchases and 
Balance Transfers on my current Periodic Statement if I pay the total 
New Balance shown on my current Periodic Statement by the Payment
Due Date.  Otherwise, the periodic FINANCE CHARGE will be imposed on
the Purchases, Balance Transfers and Cash Advances from the 
transaction date of the Purchase, Balance Transfer or Cash Advance 
except as described below 
(1)     Minimum Periodic FINANCE CHARGE
If periodic FINANCE CHARGES on Purchases or Balance Transfers are 
imposed for the current billing cycle, a minimum Periodic Finance Charge
of $.50 on Purchases or Balance Transfers will be imposed for any such
billing cycle in which periodic FINANCE CHARGE of less than $.50 on 
Purchases or Balance Transfers would otherwise be imposed.
(2)     Partial Grace Period for Periodic FINANCE CHARGES
If during the previous billing cycle, my New Balance was paid in full by 
the Payment Due Date, then in the current billing cycle you will provide a 
grace period on the amount of the Purchase or Balance Transfer balance
remaining from the previous billing cycle that is paid by the Payment 
Due Date for the current billing cycle based on how payments are applied
to my account. 
(3)     You will compute the periodic FINANCE CHARGE for the current
billing cycle as follows:
(A)     Purchases

Periodic FINANCE CHARGES on Purchases are imposed for 
the current billing cycle unless I paid, by the Payment Due 
Date, the total New Balance shown on my Periodic 
Statement. You figure the interest charge for Purchases on
my account by applying the periodic rate for Purchases to the
“average daily balance” for Purchases. To get the “average daily
balance” you take the beginning balance of my account each
day for Purchases, add any new Purchases and subtract any 
unpaid interest or other finance charges and any payments or
credits. This gives you the daily balance for Purchases. Then,

you add up all of the daily balances for the billing cycle and 
divide the total by the number of days in the billing cycle. This
gives you the “average daily balance” for Purchases. I 
understand that the “average daily balance” of current billing
cycle Purchases will be multiplied by the number of days in the 
billing cycle and then by the daily periodic rate to determine
the periodic FINANCE CHARGES on Purchase balances for
the current billing cycle. 

(B)     Balance Transfers

Periodic FINANCE CHARGES on Balance Transfers are imposed
for the current billing cycle unless I paid, by the Payment Due
Date, the total New Balance shown on my Periodic Statement.
You figure the interest charge for Balance Transfers on my 
account by applying the periodic rate for Balance Transfers to
the “average daily balance” for Balance Transfers. To get the
“average daily balance” you take the beginning balance of my
account each day for Balance Transfers, add any new Balance
Transfers and subtract any unpaid interest or other finance
charges and any payments or credits. This gives you the daily
balance for Balance Transfers. Then, you add up all of the daily 
balances for the billing cycle and divide the total by the number
of days in the billing cycle. This gives you the “average daily
balance” for Balance Transfers. I understand that the “average
daily balance” of current billing cycle Balance Transfers will be
multiplied by the number of days in the billing cycle and then by
the daily periodic rate to determine the periodic FINANCE 
CHARGES on Balance Transfer balances for the current billing
cycle.

(C)     Cash Advances

Periodic FINANCE CHARGES are imposed on Cash Advances for
the current billing cycle. You figure the interest charge for Cash
Advances on my account by applying the periodic rate for Cash 
Advances to the “average daily balance” for Cash Advances.
To get the “average daily balance” you take the beginning 
balance of my account each day for Cash Advances, add any
new Cash Advances and subtract any unpaid interest or other
finance charges and any payments or credits. This gives you the
daily balance for Cash Advances. Then, you add up all of the
daily balances for the billing cycle and divide the total by the 
number of days in the billing cycle. This gives you the “average
daily balance” for Cash Advances. I understand that the 
“average daily balance” of current billing cycle Cash Advances
will be multiplied by the number of days in the billing cycle and
then by the daily periodic rate to determine the periodic 
FINANCE CHARGES on Cash Advances.

(4)     Periodic FINANCE CHARGES will be figured by applying a variable
daily periodic rate (determined according to the chart below and
the Variable Rate Disclosures set forth below) to the “average daily 
balances” of Purchases, Balance Transfers and Cash Advances as 
explained above.

YOU WILL APPLY A DAILY PERIODIC RATE AS FOLLOWS:

ANNUAL PERCENTAGE
RATE *

DAILY PERIODIC 
RATE *

Purchases

12.24% (v)

0.0335%

b.

(WSJ Prime + 8.99%)

Balance Transfer

12.24% (v)

0.0335%

(WSJ Prime + 8.99%)

Cash Advances

16.24% (v)

0.0445%

(WSJ Prime + 12.99%)

* Listed rates are calculated based on the WSJ Prime Rate (described later) as of 
January 1, 2012 and may change thereafter.  For current rate calculations call 
1-800-447-2823.

(f) – fixed
(v) – variable

b.

The daily periodic rate for the billing cycle is 1/365 of the corresponding 
ANNUAL PERCENTAGE RATE in effect for the billing cycle. The 
corresponding ANNUAL PERCENTAGE RATE may change (increase or 
decrease) monthly based on changes in the WSJ Prime Rate, as described
in the Variable Rate Disclosures below.
Transaction FINANCE CHARGE
(1)     For Balance Transfer.
For Balance Transfers obtained by using Credit Access Checks or by any
other means which you may provide to me, the Transaction FINANCE
CHARGE is 3% of each Transfer. The minimum fee is $5.00 and the 
maximum fee is $150.00.
(2)     For Cash Advances.
For Cash Advances obtained by using the Credit Card at financial 
institutions that accept the Credit Card, by using Credit Access Checks or
by using the Credit Card at automated teller machines or similar 
machines that accept the Credit Card, the Transaction FINANCE CHARGE
is 3% of the amount for each such Cash Advance, with a $5.00 minimum
fee for each such Cash Advance.

9.     Variable Rate Disclosures. Minimum and Maximum APR.

a.

I understand that the daily periodic rate and the corresponding ANNUAL
PERCENTAGE RATE are variable rates that may change (increase or 
decrease) from time to time based on movements of the WSJ Prime Rate.
The “WSJ Prime Rate” means the Prime Rate (the highest of multiple
Prime Rates) published in the “MONEY RATES” column of The Wall Street
Journal.  The WSJ Prime Rate is not represented or intended to be the 
lowest or most favorable rate of interest offered to your customers. 
Any change in the corresponding ANNUAL PERCENTAGE RATE based on a
change in the WSJ Prime Rate will take effect on the first day of the
billing cycle following a change in the WSJ Prime Rate in effect on the
10th day of the prior calendar month.  If the 10th falls on a day when 
The Wall Street Journal is not published, the WSJ Prime Rate will be the
Prime Rate published the last date prior to the 10th.  For example, a
change in the WSJ Prime Rate of one percentage point on the 10th day of 
any calendar month (or the last publication date prior to the 10th) will 
result in a one percentage point change in the same direction in the 
corresponding ANNUAL PERCENTAGE RATE throughout the next billing
cycle. Any change in the corresponding ANNUAL PERCENTAGE RATE will
apply to new Advances and to existing Account Balances on my Account.
I also understand that the daily periodic rate will always be 1/365 of the
corresponding ANNUAL PERCENTAGE RATE. For example, if (1) my initial
corresponding ANNUAL PERCENTAGE RATE has been the WSJ Prime Rate
+ 8.99%; (2) the prior WSJ Prime Rate had been 4.00% but increased to

5.00% as of June 10, 2012, and my next billing cycle started on July 1,
2012, the corresponding ANNUAL PERCENTAGE RATE would be 13.99%,
and the daily periodic rate would be 0.0383% throughout my July 1 billing
cycle.
I understand that the corresponding ANNUAL PERCENTAGE RATE will not 
fall below 8.99% or exceed the maximum rate authorized from time to
time by applicable Pennsylvania or federal law. Further, I know that an
increase in the corresponding ANNUAL PERCENTAGE RATE will result in an
increase in the amount of periodic FINANCE CHARGE, the Minimum
Payment and the Outstanding Balance.

10.     Credit Life Insurance. If I request it, you will obtain and finance the purchase of

credit life insurance on my life if I am under the age of 66, payable to you in an
amount equal to the Outstanding Balance from time to time subject, however, to
any maximum limitations established by the insurer in the applicable certificate
or policy. If more than one person signs an application for a Credit Card, I 
understand that only one of the persons can be covered and that person to whom
the coverage is applicable must sign the credit life insurance request section of
the application for a Credit Card. This coverage will end when the insured person 
reached 66 years of age. For coverage of the insured person, you will impose a
charge each month. The amount of the charge may be updated periodically. The 
“Life Insurance Daily Balance” is computed by taking the total of Purchases, 
Balance Transfers and Cash Advances during the current billing cycle and 
dividing the total by the number of days in the billing cycle. I understand that I
do not need to take out any credit insurance to obtain my Credit Card or open my
Account, and I may cancel any credit insurance at any time by notifying you in
writing. If I choose Credit Life Insurance, the current rates are 70¢ per month in
Pennsylvania and 64¢ per month in Ohio per one thousand dollars of the average
daily balance as described in Item 10. I understand that these rates are subject 
to change without notice and may increase after my account is opened.

11.     Payments. I must mail all payments due under the Plan to the address you 

furnish me from time to time. I can pay my Outstanding Balance in full at any
time. Since the Periodic FINANCE CHARGE is computed by application of daily 
rate to the “average daily balances” of Purchases, Balance Transfers and Cash
Advances, as explained above, the exact amount required to pay the Account in
full cannot be determined from my Periodic Statement. Thus, whenever I wish to
pay my Outstanding Balance in full, I must contact you to determine the 
Outstanding Balance.

12.     Minimum Payment. I may pay either the entire Outstanding Balance or less

than the total amount due unless the entire Outstanding Balance has become
due as provided in paragraph 17 below; however, I must pay a Minimum 
Payment each month without fail. If the New Balance on my Periodic Statement
is $10.00 or less, the minimum payment is the New Balance. Otherwise, the
minimum payment is computed by multiplying the New Balance by 2.00%. 
If my account is past due, the Minimum Payment will also include the past due
amount. I agree that you may change the method of figuring the Minimum 
Payment from time to time upon 45 days prior notice to me. As explained in 
paragraph 8 above, the periodic FINANCE CHARGE is imposed by application 
of a daily periodic rate to the “average daily balances” of Purchases, Balance
Transfers and Cash Advances.

13.     Fees.
a.

b.

Annual Fee. 
I agree to pay a non-refundable annual fee of $15.00.
Late Payment Fee. 
My Minimum Payment will be past due if it is not received by you on or
before the Payment Due Date shown on the applicable Periodic 
Statement. A late fee will be charged to my Account if at least the 
Minimum Payment (which includes any past due amount) is not received