Affinity VISA Card Disclosures Terms, rates, fees and conditions subject to change. 73 Mountain View Boulevard PO Box 621 Basking Ridge, NJ 07920 Phone: 800-325-0808 Fax: 908-860-3880

Annual Percentage Rate for Purchases and Cash Advances Variable Rate Information Grace Period for Repayment of the Balance Minimum Monthly Payment Method for Computing the Balance Annual Fees Cash Advance, Late Fee, Over-the-Limit and Returned Check Fee Minimum Finance Charge Balance Transfer Fee Visa Platinum Your annual percentage rate may vary. Rate is determined by taking the higher of either (A) .716% per month or APR; (B) .70% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None Visa Gold Your annual percentage rate may vary. Rate is determined by taking the higher of either: (A) .800% per month or APR: (B) 1.70% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None Visa Classic/Visa Classic Secured Your annual percentage rate may vary. Rate is determined by taking the higher of either: (A) .883% per month or APR: (B) 2.70% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None Affinity Rewards Visa Your annual percentage rate may vary. Rate is determined by taking the higher of either (A) 1% per month or APR; (B) 5.70% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None Visa Business Your annual percentage rate may vary. Rate is determined by taking the higher of either (A) .688% per month or APR; (B) .25% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None Hillsborough Rewards Visa Your annual percentage rate may vary. Rate is determined by taking the higher of either (A) .883% per month or APR; (B) 2.70% above the Prime Lending Rate as published in the "Money Rate" section of the Wall Street Journal on the 20th day of the preceding month in which the billing rate occurs. For purchases, you have a 25 day "grace period" from your statement closing date. To avoid finance charges, you must pay your bill in full by the payment date on your billing statement.C ash advance finance charges are assessed from the date of the cash advance until the day we receive payment in full. $20 or 2% of the outstanding amount, whichever is higher. Average daily balance method (including current transaction) None Cash advance fee - NONE Late Fee - $25 Over-the-limit $25.00 when account is over the approved limit Returned check fee - $25 None None

Terms, rates, fees and conditions subject to change