CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
8805 University Boulevard Moon Township, PA 15108
THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, PLATINUM MASTERCARD ® AND PREMIUM WORLD ® MASTERCARD ® AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM 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) For Purchases
Annual Percentage Rate (APR) For Balance Transfers
Annual Percentage Rate (APR) For Cash Advances
Paying Interest
For Credit Card Tips from the Consumer Financial Protection Bureau
Fees
Transaction Fees
• Cash Advance
• Foreign Transaction
Penalty Fees
• Late Payment
• Returned Payment
Platinum Mastercard ® : ________% Introductory APR until December 31, 2022.
After that, Your APR will be
________%
This 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.
Platinum Mastercard ® :
__________%
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.
Platinum Mastercard ® :
________%
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.
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.
To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
3.00% of each advance.
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.
Up to $35.00
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.
