Business Banking

PARKVALE CREDIT CARD DISCLOSURE INFO

IMPORTANT INFORMATION

Please read, print and retain for your records the following Disclosure and Billing Rights information.

I acknowledge that I have read and understood the following disclosure. CLICK HERE to continue to the Parkvale Consumer Credit Card Application.

ANNUAL PERCENTAGE RATE for Credit Purchases	ANNUAL PERCENTAGE RATE for Cash Advances/ Balance Transfers	VARIABLE RATE INFORMATION	GRACE PERIOD for Payment of Balances for Purchases
7.24% for the first 36 months the account is open. In the absence of this introductory rate, the rate would be 7.24% as of 12/1/09.	7.24% for the first 36 months the account is open. In the absence of this introductory rate, the rate would be 7.24% as of 12/1/09.	After first the 36 months of the account, rate may vary. Variable rate determined by adding 3.99% to highest "Prime Rate" published under "Money Rates" subsection of the Wall Street Journal on first business day of each month.	25 DAYS*
METHOD OF COMPUTING BALANCES FOR PURCHASES	TRANSACTION FEES FOR BALANCE TRANSFERS, CASH ADVANCES & CONVENIENCE CHECKS	MINIMUM FINANCE CHARGE	ANNUAL MEMBERSHIP FEE PLATINUM	ANNUAL MEMBERSHIP FEE REWARDS
AVERAGE DAILY BALANCE INCLUDING NEW PURCHASES**	3% of transaction amount. $5.00 minimum.	$0.50 IN ANY MONTH THAT A FINANCE CHARGE IS PAYABLE	NONE	$35.00 Waived for first year.

Over The Limit Fee: $25.00 flat fee if the account is $1.00 over the credit limit.

Non Sufficient Funds Fee: $34

Late Payment Fee: 10% of the past due amount with a minimum charge of $20.00.

Delinquency Rate: 18% - The Delinquency Rate APR will apply to all balances in the event that your account becomes 30 calendar days past due.

A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date.

*A Finance Charge will be assessed on cash advances or balance transfers from the date of the cash advance or balance transfer, or the first day of the billing cycle in which the cash advance or balance transfer is posted, whichever is later, and may include any unpaid Finance Charge, and will continue to accrue until payment in full is posted.

**The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle and may include any unpaid Finance Charge, any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Rewards Program Rules: We will award one point for each dollar of et purchasescharged to a VisaRewards Card Account during each statement period. There is no limit to the number of points you may earn with a Visa Rewards Account. Points will not be awarded to a Cardmember for net purchases during a statement period if the Cardmember Account is not open and current on the statement closing date. Points will not be awarded for cash advances or other Account Advances as defined in the cardmember Agreement. Points will be awarded to the primary Cardmember and may be redeemed by any authorized Cardmember on the Rewards Card. Rewards Cardmembers can redeem points for round-trip airfare beginning at 25,000 points in addition to gift certificates, name-brand merchandise rewards and more. Complete terms and conditions for the Rewards Program will be provided to Rewards Account Holders. Service provided by the Anderson Group.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights Commission administers compliance with this law.

At the date this application was printed the information listed above was accurate.

All terms and conditions are subject to change on 30 days written notice.

KEEP THIS NOTICE FOR FURTHER USE:

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify us in case of errors or questions about your bill

If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:
Your name and account number
The dollar amount of the suspected error
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

Your rights and our responsibilities after we receive your written notice

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay finance charges related to any questioned amount. If we did not make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the data that is due.

If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone that we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we reported you to that the matter is settled when it finally is.

If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct.

Special rules for credit card purchases

If you have a problem with the quality of property or services that you purchased with a 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 property or services.

There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

This Credit Card offer available only in Ohio, Pennsylvania and West Virginia.

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