b'Visa Signature\xc2\xae Credit Card\n(With City National Rewards\xc2\xae)\n\nPRICING INFORMATION\n(As of June 30, 2021)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases and Balance\nTransfers\n\n15.00% or 19.00% when you open your account, based on your\n\ncreditworthiness.\n\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n21.00%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases and balance transfers if you pay\nyour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.70.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\nEither $5 or 3% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nCash Advance\nForeign Transaction\n\nEither $5 or 3% of the amount of each cash advance, whichever is greater.\n3% of the U.S. dollar amount of each transaction.\n\nPenalty Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment\nReturned Payment\n\nUp to $15\nUp to $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases).\xe2\x80\x9d See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\nMargins: We add a margin of either 11.75% or 15.75% to the Prime Rate to determine the APR for Purchases\nand Balance Transfers, based on your creditworthiness. We add a margin of 17.75% to the Prime Rate to\ndetermine the APR for Cash Advances.\nMonthly Periodic Rates: The Monthly Periodic Rate (MPR) is equal to the applicable APR divided by 12. The\nMPR for Purchases and Balance Transfers is either 1.25% or 1.58333%, based on a corresponding APR for\nPurchases and Balance Transfers of either 15.00% or 19.00%, respectively. The Monthly Periodic Rate for Cash\nAdvances is 1.75%.\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 1 of 12\n\nID 65895E\n\n\x0cExample of Credit Card Agreement\nVisa Signature Credit Card\n(With City National Rewards)\n(As of June 30, 2021)\n\nYOUR CREDIT CARD AGREEMENT\n\n\xef\x82\xa7 Contract with Us. This Credit Card Agreement, including the accompanying Pricing Information table, ("Agreement"), and\nany future changes to it, is your contract with City National Bank ("Bank", "we", "us" or "our") and explains the terms of your\ncredit card account ("Account" or "Credit Card Account"). Your signature on your application or solicitation for this Account,\nincluding without limitation any electronic or digital signature, as well as your signature on any sales slips or any Accountrelated document, represents your signature on this Agreement. Please read this Agreement carefully and keep it for future\nreference.\n\n\xef\x82\xa7 Terms Used in this Agreement. In addition to terms defined elsewhere in this Agreement, the following terms have the\nfollowing meanings:\nTerm\nAccess Device\nAuthorized User\nBalance Transfer\nBusiness Day\nCard\nCardholder\nCash Advance\n\nPIN\nPurchase\n\nUnauthorized Use\n\nMeaning\nAny PIN, account number or other means that may be used to access and obtain credit under\nthe Account.\nOne or more persons to whom we issue a Card at your request, or that you allow to use your\nAccount, Card or Access Device, including any person who is a minor, but is not responsible\nfor the repayment of the Account unless applicable law permits otherwise.\nA transfer of funds from the Account to another credit card issuer at your request. We may, at\nour option, permit Balance Transfers. Balance Transfer also includes any adjustments\nassociated with any Balance Transfer.\nMonday through Friday, excluding federal legal holidays.\nOne or more credit cards that we issue to Cardholders under the Account, and all renewals\nand substitutions of such cards.\nIncludes you and any other person to whom we issue a Card, including an Authorized User.\nA transaction other than a Purchase or Balance Transfer that allows you to obtain an advance\nof funds from the Account. Cash Advances include:\n\xef\x82\xa7 Obtaining an advance of funds from us or any financial or non-financial institution, including\nfrom an automated teller machine (ATM), by phone, internet transfers or other means;\n\xef\x82\xa7 Any payment you make to us for payment on an outstanding Cash Advance that is returned\nto us for any reason;\n\xef\x82\xa7 Any transaction that we consider to be equivalent to a Cash Advance, such as the\npurchase of money orders, lottery tickets, traveler\'s checks, cashier\'s checks, foreign\ncurrency, casino gaming and betting transactions, off-track wagers, and similar items or\ntransactions.\nCash Advance also includes any adjustments associated with any Cash Advance.\nThe personal identification number issued in connection with a Card, and any substituted\nnumber.\nThe use of the Account to:\n\xef\x82\xa7 Buy or lease goods or services; or\n\xef\x82\xa7 Make any transaction that is not otherwise a Balance Transfer or a Cash Advance.\nPurchase includes any adjustments associated with any Purchase.\nThe use of the Card or any Access Device by any person, other than you, who does not have\nactual, implied or apparent authority for such use, and from which you receive no benefit.\nAmong other things, use by any Authorized User or by anyone you (or any Authorized User)\ngave the Card or any Access Device to is not Unauthorized Use, even if they exceed or violate\nyour (or the Authorized User\'s) instructions or the individual spending limit set for them.\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 2 of 12\n\nID 65895E\n\n\x0cYou, your and\nyourself\n\nEach applicant and co-applicant that applied for the Account; each Account holder; and other\nperson responsible for the payment of the Account. It also includes any Authorized User, except\nas otherwise noted in this Agreement.\n\nUSING THE ACCOUNT\n\n\xef\x82\xa7 Account Usage. You must immediately activate the Card using any activation process that is provided with the Card, as\n\nwell as sign the Card where indicated upon receipt. We will at all times own all the Cards that we provide in connection with\nthe Account. You will destroy or return to us the Cards upon our request.\nYou promise to follow the terms of this Agreement as long as the Account remains open or has an outstanding balance.\nYou may use the Account for Purchases and to obtain Cash Advances. We may, at our option, from time to time, also\npermit you to obtain Balance Transfers.\nYou agree to use the Account only for lawful personal, family or household purposes. You may not use the Account for\nbusiness or commercial purposes. You agree not to use or permit the use of any Card or other Access Device for any illegal\ntransaction, including any illegal internet gambling transactions, and we will not be liable to you if you engage in any such\ntransactions. We may deny authorization of any transaction identified as Internet gambling or illegal. You will still be\nresponsible for repayment of any such transactions, and such transactions will be subject to all of the terms of this\nAgreement. You may not use the Account to conduct transactions in any country or territory, or with any individual or entity\nthat is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury\'s Office of Foreign\nAssets Control (OFAC). Use of the Account in those countries will be blocked. You agree not to use the proceeds of any\nCash Advances, Balance Transfers or other advances on the Account to make payments on the Account or to make\npayments on any other loans or obligations you have with us.\nWe will not be liable to you if (a) any merchant, financial or non-financial institution, ATM or any third party refuses to accept\nor honor your Card or any Access Device, even if that refusal results from restrictions or requirements we impose on your\nAccount, (b) operational problems prevent a transaction from being authorized, or (c) a transaction is declined because you\nare in default under this Agreement or for any other reason contained in this Agreement. You acknowledge that other\nfinancial institutions\' ATM networks may have limitations on the number and/or dollar amount of Cash Advances which you\nmay withdraw from their ATMs.\nYou may arrange for certain merchants to store your Card number and expiration date, so that, for example, the merchant\nmay charge your Account at regular intervals, or you may make charges using that stored Card information. We may (but\nare not required to), and you authorize us to, tell these merchants if your expiration date or Card number changes or if your\nAccount is cancelled. You must notify these merchants directly if you want them to stop charging your Account.\n\n\xef\x82\xa7 Authorized Users. You may permit one or more Authorized Users on the Account to have access to the Account by asking\n\nus to issue a Card and providing us with information that we require for each Authorized User. We may require that your\nrequest to add one or more Authorized Users be in writing. If we approve your request to add one or more Authorized\nUsers, the Authorized User\xe2\x80\x99s use of the Account is subject to the terms and conditions of this Agreement. You agree to\nnotify each Authorized User that they are subject to all applicable sections of this Agreement. Except for an Authorized\nUser and any other Cardholder, you will not allow any person to have access to the Account, by use of a Card or any\nAccess Device. You are liable for all transactions made by any Cardholder and any other person that you have authorized\nor allowed to use or have access to the Account, a Card or any Access Device, including transactions for which you may\nnot have intended to be liable, even if the amount of those transactions causes your Credit Access Line or the individual\nspend limit on a Card to be exceeded. We may terminate the credit privileges of any Authorized User for failing to abide by\nthe terms and conditions of this Agreement, for engaging in any fraudulent activity on the Account as determined by us,\nand for any other reason we deem appropriate. If you wish to terminate the credit privileges of any Authorized User, you\nmust write to us at the address stated in your most recent periodic statement or call us at the phone number on your most\nrecent periodic statement. We will have a reasonable amount of time after your request is received by us to effectuate the\ntermination of the credit privileges of the Authorized User. You must immediately recover and destroy, by cutting in half, all\nCards in the possession of the Authorized User. During this time you will continue to be responsible for any transactions of\nthe Authorized User involving the Card or any Access Device until the termination is effective. You understand that we may\ndiscuss the Account with any Authorized User and provide information regarding the Account to any Authorized User.\nAuthorized Users have no right to make any Account changes. Generally, Authorized Users are not liable for any\noutstanding balance on the Account, except as otherwise permitted by law.\n\n\xef\x82\xa7 Credit Access Line and Available Cash Line. The Credit Access Line is the maximum amount of credit for which payment\n\ncan be deferred on the Account, subject to the payment of the Minimum Payment Due. The initial Credit Access Line for\nthe Account is assigned by us when the Account is opened and appears on the card carrier that accompanies the Card.\nThe Account is also assigned an Available Cash Line by us, which is a portion of your Credit Access Line that can be used\nfor Cash Advances. The current Credit Access Line and current Available Cash Line assigned to the Account will appear\non the most recent periodic statement for the Account. We may increase or decrease your Credit Access Line and Available\nCash Line at any time, either permanently or temporarily, without prior notice to you. We may decline or honor any\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 3 of 12\n\nID 65895E\n\n\x0ctransactions for any reason. We will not be liable if a transaction is not honored for any reason, even if there was sufficient\ncredit available under the Credit Access Line or, for a Cash Advance, under the Available Cash Line.\nWe may permit the primary Cardholder on the Account, as shown in our records, to set an individual spending limit for each\nother Cardholder (including any Authorized User but excluding any joint Account holder), subject to the Credit Access Line\namount. You will be liable, however, for all transactions by an Authorized User even if they exceed their individual spending\nlimit.\n\n\xef\x82\xa7 No Pre-Set Spending Limit and Transaction Authorization. Unless you are considered an executive officer, director or\n\nother insider of the Bank under federal law, the Account has no pre-set spending limit. This does not mean that all\ntransactions will be approved by us. Instead, each transaction in excess of the Credit Access Line will be considered for\napproval by us on an individual basis, and will be evaluated based on the spending and payment patterns on the Account,\nthe Account history, your other relationships with us, information from consumer credit reports we obtain from credit\nbureaus, your experience with other creditors, our understanding of your resources, safety and soundness considerations\nand any suspected fraud. We may decline an authorization request for any transaction at any time for any reason. We may\nalso request additional information from you at any time to evaluate a transaction request or your use of the Account. Any\ntransaction honored in excess of the Credit Access Line or the Available Cash Line will not result in an increase of your\nCredit Access Line or Available Cash Line, respectively, unless we expressly notify you in writing. If we authorize a\ntransaction that causes you to exceed your Credit Access Line, then you must pay, as part of your Minimum Payment Due,\nthe amount by which your balance exceeds your Credit Access Line.\nIf you are considered an executive officer, director or other insider of the Bank under federal law, the no-pre-set spending\nlimit feature will not apply to you. In that event, you agree not to permit the outstanding balance of your Account to exceed\nyour Credit Access Line. If any transaction would cause your Credit Access Line to be exceeded, we can refuse to authorize\nthe transaction or we can charge your Account for the transaction. You agree to pay us immediately, on demand, any\namount by which the outstanding balance on your Account exceeds your Credit Access Line. Any transaction honored in\nexcess of your Credit Access Line will not result in an increase of your Credit Access Line unless we expressly notify you\nin writing.\n\n\xef\x82\xa7 Enabling Your Mobile Device to Use Your Card. When made available by us, you may register the Card with a third\n\nparty program provider ("Program Provider") for programs such as Apple Pay\xe2\x84\xa2, Google Wallet\xe2\x84\xa2 or a similar program\nthat allows Card transactions through a mobile communications device, such as a cell phone. You may do so by following\nthe instructions of the Program Provider. Once your Card is registered, your mobile communications device becomes an\n"Enabled Device" which typically stores virtual representations of the Card to make contactless payments at merchants\nparticipating in the Program Provider\'s program, utilizing the merchant\'s contactless terminal, or "in-app" or other digital\ncommerce payments. Your Enabled Device may not be accepted everywhere the Card is accepted.\nYour Program Provider and other third parties (such as wireless companies or data service providers) may charge fees\nfor your enrolling in a program or using an Enabled Device. You are responsible for any such wireless carrier data or\nusage fees incurred. We have no liability for any such fees.\n\nYou are responsible for keeping your Enabled Device login and other credentials private and secure. You should secure\nyour Enabled Device with the same care that would be used with the Card, an Access Device, cash, checks, and\npasswords, or similar sensitive information, in order to avoid Unauthorized Use. Sharing of credentials with any other\nperson may allow Unauthorized Use and unauthorized access to your personal and payment information available\nthrough the Enabled Device or the program. You agree to call us and your Program Provider immediately if you believe\nyour Enabled Device or authentication credentials have been lost, stolen or compromised in any way or you believe an\nunauthorized person has used or may use your credentials.\nWe are not the provider of your Enabled Device and not responsible for providing the program\'s services to you. Use of\nyour Enabled Device involves the electronic transmission of personal information through third party connections.\nBecause we do not operate or control these connections, we cannot guarantee the privacy or security of the data\ntransmissions. You should consider whether there is risk of loss or other problem that may result from wireless\ntransmission or loss of your Enabled Device. Check with your Program Provider and your wireless carrier for information\nabout their privacy and security practices.\nWe have no responsibility or liability for any loss, damage, function, malfunction, delay or other problem or claim, directly\nor indirectly, associated with your Enabled Device, including, but not limited to, the security, accuracy, legality,\nappropriateness, content, what information is collected or accessed, performance or non-performance of your Enabled\nDevice, nor the actions of your Program Provider or any other third party regarding any agreement you enter into\nrespecting your Enabled Device or the program or any associated third party relationships that may impact use of your\nEnabled Device. Our liability, if any, is limited to your rights as a Cardholder for Unauthorized Use as provided in this\nAgreement and by applicable law.\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 4 of 12\n\nID 65895E\n\n\x0cIt is your responsibility to read and understand the terms and conditions applicable to your Enabled Device before\nenrolling in, creating, activating or using a Card in an Enabled Device.\n\nINTEREST CHARGED ON YOUR ACCOUNT\n\n\xef\x82\xa7 Annual Percentage Rates (APRs) and Monthly Periodic Rates (MPRs). The APRs and corresponding MPRs\napplicable to your Account are shown on your Account Opening Disclosures. The MPR is equal to the APR divided by\n12.\n\n\xef\x82\xa7 How we will calculate your APRs: The APRs and corresponding MPRs applicable to your Account are variable APRs\nbased on the Prime Rate. The Prime Rate means the highest U.S. Prime Rate as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section\nof The Wall Street Journal on the last business day (Monday through Friday, excluding federal legal holidays) of the\nmonth. An increase or decrease in the Prime Rate will cause a corresponding increase or decrease in your variable\nAPRs on the first day of the billing cycle that begins in the month immediately following the month in which an increase\nor decrease in the Prime Rate occurs. If a variable APR increases, then your interest charges and Minimum Payment\nDue may increase. If The Wall Street Journal stops publishing the U.S. Prime Rate in its Money Rates section, then we\nmay substitute another index and margin, in our sole discretion, subject to any notice and other requirements of\napplicable law.\n\n\xef\x82\xa7 Interest Charges. We will not assess any interest charges on the Purchase and Balance Transfer segments of your\n\nAccount if you pay the entire New Balance stated on your periodic statement by the Payment Due Date each month. We\nwill assess interest charges on the Purchase and Balance Transfer segments of your Account if you do not pay the New\nBalance stated on your periodic statement in full on or before the Payment Due Date stated in the periodic statement. We\nwill begin assessing interest charges on each Cash Advance from the transaction date of the Cash Advance and interest\ncharges will continue to accrue until the day we receive payment for the full amount of the Cash Advance.\nWe calculate interest charges separately for the Purchase, Balance Transfer, and Cash Advance segments of your\nAccount. The balance within the Cash Advance segment has a different APR from the balances within the Purchase and\nBalance Transfer segments of your Account. The total interest charges posted to your Account for each billing cycle is the\nsum of the interest charges for the Purchase, Balance Transfer, and Cash Advance segments and will be posted to your\nAccount on the last day of the billing cycle.\n\n\xef\x82\xa7 Calculation of Interest Charges on Purchases. We calculate the interest charges for the Purchase segment of your\n\nAccount using the Average Daily Balance (including new purchases) method. On each day of the billing cycle we determine\nthe Daily Balance for the Purchase segment. To calculate the Daily Balance, we (1) take the beginning balance of the\nPurchase segment, (2) add any new Purchases and any new fees posted to the Purchase segment (excluding unpaid\ninterest and Foreign Transaction Fees), (3) subtract any payments and other credits posted to the Purchase segment, and\n(4) make any appropriate corrections or adjustments. If the Daily Balance is less than zero, we treat it as zero. We then add\nall of these Daily Balances for the billing cycle and divide that total by the number of days in the billing cycle. This determines\nthe Average Daily Balance for the Purchase segment. We then multiply this Average Daily Balance by the MPR applicable\nto the Purchase segment of your Account.\nThis gives us the interest charges for the Purchase segment of your Account.\n\n\xef\x82\xa7 Calculation of Interest Charges on Balance Transfers. We calculate the interest charges for the Balance Transfer\n\nsegment of your Account using the Average Daily Balance (including new Balance Transfers) method. On each day of the\nbilling cycle we determine the Daily Balance for the Balance Transfer segment. To calculate the Daily Balance, we (1) take\nthe beginning balance of the Balance Transfer segment, (2) add any new Balance Transfers and any new fees posted to\nthe Balance Transfer segment (excluding unpaid interest and Balance Transfer Fees), (3) subtract any payments and other\ncredits posted to the Balance Transfer segment, and (4) make any appropriate corrections or adjustments. If the Daily\nBalance is less than zero, we treat it as zero. We then add all of these Daily Balances for the billing cycle and divide that\ntotal by the number of days in the billing cycle. This determines the Average Daily Balance for the Balance Transfer\nsegment. We then multiply this Average Daily Balance by the MPR applicable to the Balance Transfer segment of your\nAccount.\nThis gives us the interest charges for the Balance Transfer segment of your Account.\n\n\xef\x82\xa7 Calculation of Interest Charges on Cash Advances. We calculate the interest charges using the Cash Advance segment\n\nof your Account on the Average Daily Balance (including new Cash Advances) method. On each day of the billing cycle we\ndetermine the Daily Balance for the Cash Advance segment. To calculate the Daily Balance, we (1) take the beginning\nbalance of the Cash Advance segment of your Account, (2) add any new Cash Advances and any new fees posted to the\nCash Advance segment (excluding unpaid interest, Cash Advance Fees and Foreign Transaction Fees), (3) subtract any\npayments and other credits posted to the Cash Advance segment, and (4) make any appropriate corrections or adjustments.\nIf the Daily Balance is less than zero, we treat it as zero. We then add all of these Daily Balances for the billing cycle and\ndivide that total by the number of days in the billing cycle. This determines the Average Daily Balance for Cash Advances.\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 5 of 12\n\nID 65895E\n\n\x0cWe then multiply this Average Daily Balance by the MPR applicable to the Cash Advance segment of your Account.\nThis gives us the interest charges on the Cash Advance segment of your Account.\n\n\xef\x82\xa7 Minimum Interest Charge. If the total of the interest charges for a billing cycle is less than $0.70, we will assess your\nAccount a Minimum Interest Charge of $0.70. The Minimum Interest Charge will be added to the Purchase balance of your\nAccount if there is a Purchase balance. If not, it will be added to the Cash Advance balance of your Account.\n\nTRANSACTION AND OTHER FEES CHARGED TO YOUR ACCOUNT\n\n\xef\x82\xa7 Transaction Fees. We will assess the following Transaction Fees. The amount of each Transaction Fee is shown on the\n\nPricing Information table and will be charged to the same balance segment (e.g., Balance Transfers, Cash Advance, or\nPurchase) to which the transaction is posted:\n\xe2\x80\xa2\n\nBalance Transfer Fee. A Balance Transfer Fee equal to 3% of the amount of the Balance Transfer, with a minimum\nBalance Transfer Fee of $5.00. The Balance Transfer Fee will be posted to the Account on the same day as the\nBalance Transfer.\n\n\xe2\x80\xa2\n\nCash Advance Fee. This fee will be charged to your when a Cash Advance is posted to your Account.\n\n\xe2\x80\xa2\n\nForeign Transaction Fee. This fee will be charged on all foreign purchase, credit voucher, and cash disbursement\noriginal and reversal transactions, regardless of whether the transaction is made in U.S. dollars or in currency other\nthan U.S. dollars and then converted to U.S. dollars. The Foreign Transaction Fee is imposed on the converted U.S.\ndollar amount of the transaction. See Foreign Currency Transactions section below for information on the\nconversion of the foreign transaction to U.S. dollars.\n\n\xef\x82\xa7 Other Fees. We will assess the following other fees in the billing cycle in which they occur. These fees will be posted to the\nPurchase segment of your Account.\n\xe2\x80\xa2\n\nLate Charge. The amount of this fee is shown on the Pricing Information table and will be assessed if we do not\nreceive at least the Minimum Payment Due at the address shown on the periodic statement within 15 days after the\nPayment Due Date shown on the periodic statement.\n\n\xe2\x80\xa2\n\nReturned Payment Charge. The amount of this fee is shown on the Pricing Information table and will be assessed\neach time your check or other payment instrument (including any postdated check) or an electronic debit or any other\nform of payment is not honored or is returned unpaid for any reason, even if it is paid upon subsequent presentment\n(if we elect to re-present the payment).\n\n\xe2\x80\xa2\n\nResearch/Photocopy Charges. A research fee of $35.00 per hour (with a one hour minimum) for the time spent\nresearching something you have requested relating to your Account, and a copy charge of $2.00 for each billing\nstatement and $12.00 for each sales or Cash Advance draft or other record of your Account. The research fee and\nthe copy charges will not be imposed if your request relates to a billing error inquiry on your Account.\n\n\xe2\x80\xa2\n\nImmediate Payment Posting Fee. A special handling fee of $15.00, called an Immediate Payment Posting Fee, will\nbe assessed for each expedited payment processed to your Account. An expedited payment to your Account may be\nmade only if you maintain a checking or savings account with us. To make an expedited payment, you must call your\nrelationship manager at the Bank or the telephone number on your most recent periodic statement, and request that\nwe debit your checking or savings account with us for the amount of the payment. Your payment request must be\nreceived by us no later than 4:00 p.m. Pacific Time on a Business Day if you wish us to make the expedited payment\nto your Account on that Business Day. If the expedited payment request is received by us after 4:00 p.m. Pacific Time\non a Business Day, the expedited payment will be processed in accordance with our normal payment procedures and\nno Immediate Payment Posting Fee will be assessed to your Account. If you have more than one checking or savings\naccount with us, you may designate only one account to be debited for the expedited payment. Debits from multiple\nchecking or savings accounts are not permitted. Once your expedited payment request has been received by us, it\ncannot be revoked or changed. You must have sufficient collected funds in your checking or savings account for the\nexpedited payment to be processed. In addition, the checking or savings account must be in the name of one or more\nof the Cardholders (but not an Authorized User) and there cannot be any signing restrictions that would preclude you\nfrom authorizing the debit.\n\n\xe2\x80\xa2\n\nReplacement Card Fee. Subject to applicable law, a $25.00 fee for each new Card issued to replace a Card for any\nreason (including the issuance of a new Card to replace a lost, stolen or damaged Card, but excluding the issuance\nof a new Card to replace an expiring Card or a Card that has been the subject of a compromise), after a Card has\nbeen replaced once on your Account.\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 6 of 12\n\nID 65895E\n\n\x0cFOREIGN CURRENCY TRANSACTIONS\n\nIf a transaction is made in a currency other than U.S. Dollars (the "transaction currency"), Visa will convert the transaction into\na U.S. Dollar amount (the "billing currency"). You agree to recognize the converted amount in U.S. Dollars as an amount that\nyou are obligated to pay under this Agreement. Visa will use the procedures set forth in its operating regulations or conversion\nprocedures in effect at the time the transaction is processed. Currently, the Visa operating regulations state that the exchange\nrate between the transaction currency and the billing currency is: (i) a rate selected by Visa from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives,\nor (ii) the government\xe2\x80\x93mandated rate in effect for the applicable central processing date, in each instance, plus or minus an\nadjustment determined by the card issuer. The exchange rate for the applicable central processing date may differ from the\nrate in effect on the transaction date or the posting date. The exchange rate used may be the same as, greater than, or less\nthan the rate that would be available through a financial institution in the country in which the transaction occurred. We do not\ndetermine the exchange rate that is used.\n\nPROMISE TO PAY AND PAYMENTS\n\n\xef\x82\xa7 Promise to Pay. You promise to pay all interest, fees, charges and amounts advanced from your Account, including:\n\xe2\x80\xa2 All amounts advanced by the use of a Card, any Access Device or otherwise, regardless of any terms contained on any\nsales or Cash Advance receipts to the contrary, and whether or not the merchant provides you with any sales or Cash\nAdvance receipts, and\n\xe2\x80\xa2 All amounts relating to advances made to other Cardholders and any Authorized Users and amounts relating to\nadvances made to other persons that you allow to use the Card or any Access Device.\nIf the Account is a joint account, each of you is jointly and severally liable for all amounts owed on the Account and under\nthis Agreement, and we may refuse any request from any of you if we receive an inconsistent request from another of you.\n\n\xef\x82\xa7 Periodic Statements. We will provide you with a periodic statement for each billing cycle during which your Account has\n\nan outstanding balance of more than $1.00 or on which interest or another finance charge has been imposed, or in which\ntransactions have been posted to your Account. We will send only one periodic statement for each billing cycle even if your\nAccount is a joint account. Your periodic statement and any notices about your Account will be sent to the most current\nmailing address we have in our records for the Account. If you have opted for us to provide your periodic statements\nelectronically, we will not have any obligation to send any periodic statements to your mailing address. A billing cycle is the\ntime beginning the day following one periodic statement closing date through and including the next periodic statement\nclosing date. Each periodic statement will provide you with the information required by law, including the outstanding\nbalance of the Account at the end of each billing cycle (the "New Balance"). A periodic statement may not be provided to\nyou if we believe that your Account is uncollectible, if delinquency collection proceedings have been instituted, if we have\ncharged off your Account in accordance with loan loss provisions and will not charge any additional fees or interest on the\nAccount, or if furnishing the statement would violate applicable federal law.\n\n\xef\x82\xa7 Minimum Payment Due. Each month you must pay at least the Minimum Payment Due by the Payment Due Date shown\non your monthly periodic statement. You may, at your option, pay more than the Minimum Payment Due or pay the entire\nNew Balance (as stated on your monthly periodic statement) to reduce or avoid interest charges for the Account. To\ncalculate the Minimum Payment Due we begin with any past due amount. We then add any late charges and the amount\nin excess of your Credit Access Line. We then add the largest of the following:\n\xe2\x80\xa2 $25.00, or\n\xe2\x80\xa2 2.5% of the New Balance (after deducting any past due amount and the amount in excess of your Credit Access Line),\nrounded up to the nearest dollar.\nA New Balance of less than $25.00 is payable in full. YOU MAY PAY THE TOTAL INDEBTEDNESS AT ANY TIME.\n\n\xef\x82\xa7 Payment Instructions. You must make all payments in U.S. Dollars. To do so, you must use a check, draft, money order\n\nor other negotiable instrument, or make an electronic payment, that is drawn on and honored by a United States bank. Do\nnot send cash. We may reject payments that are not drawn in U.S. Dollars and those drawn on a financial institution located\noutside of the United States. When you provide a check as payment, you authorize us either to use information from your\ncheck to make a one-time electronic fund transfer from your account on which the check is drawn or to process the payment\nas a check transaction. When we use information from your check to make an electronic fund transfer, funds may be\nwithdrawn from your account on which the check is drawn as soon as the same day we receive your payment and you will\nnot receive your check back from your financial institution. All payment instruments must be sent to the address shown on\nyour most recent periodic statement and must include the payment coupon from your periodic statement. There could be a\ndelay of up to five (5) days in crediting the payment to your Account if you send or deliver a payment to us at any other\naddress or you otherwise fail to follow our requirements for payments. This may result in the imposition of late charges and\nadditional interest charges, and it may also result in your default under this Agreement. After we receive and credit your\nAccount for any payment, whether such payment is received by check or other means provided for in this Agreement, we\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 7 of 12\n\nID 65895E\n\n\x0cmay not restore your available credit for the amount of such payment for a period of up to three (3) Business Days.\nGenerally, credits to your Account, such as those generated by merchants in connection with returns, will not reduce your\nMinimum Payment Due.\n\n\xef\x82\xa7 Payment Allocation. Subject to applicable law and except as provided below, we may apply payments and credits in any\nreasonable manner. If your Account has balances with different APRs, then subject to applicable law, we will decide how\nto allocate the amount of your Minimum Payment Due. Generally, we will apply your Minimum Payment Due first to lower\nAPR balances before balances with higher APRs. If you make a payment in excess of the Minimum Payment Due, then\nthe portion of the payment in excess of the Minimum Payment Due will be applied to balances with highest APRs and then\nto each successive balance bearing the next highest APR. We may adjust your Account as appropriate to address errors,\nreturned items, dishonored payments, and other matters.\n\n\xef\x82\xa7 Irregular Payments; Payments Marked "Paid In Full". We may receive letters, checks or other types of payment that\n\nreflect "payment in full" or other restrictive language indicating satisfaction of your debt, without losing any of our rights to\nreceive full payment under this Agreement. You must send any such communication and payment to City National Bank,\nP.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations. Satisfaction of your debt for less than the full\namount due requires a written agreement by us, signed by one of our authorized officers, with you.\n\n\xef\x82\xa7 Postdated Checks. Payments should not be made by postdated check or other payment instrument. If we receive a\n\npayment made by a postdated check, we may deposit it and will have no liability if it is posted to your checking account\nprior to the date appearing on the check.\n\n\xef\x82\xa7 Credit Balances. You may request a refund of a credit balance shown on your periodic statement at any time by either\n\ncalling the Customer Service phone number shown on your most recent periodic statement or writing to us at City National\nBank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations. Any written request must be in a mailing\nseparate from your payment. Written notices on the payment coupon that you return to us with a payment will be insufficient\nfor this purpose. We may reduce the amount of any credit balance by the amount of new charges or fees billed to your\naccount.\n\n\xef\x82\xa7 Automatic Third Party Charges. You may authorize a third party to automatically charge the Account for repeat\ntransactions. If automatic charges are stopped for any reason (including because the Account is closed or suspended), or\nthe Account or the Card number you have provided to the third party changes, you are responsible for notifying the third\nparty biller and paying these charges directly. If the Account number or your Card number changes, we may, but are not\nrequired to, pay from your new Account or Card number charges that you authorized to be billed to your old Account or\nCard number.\n\nABOUT YOUR DEFAULT AND OUR REMEDIES\n\n\xef\x82\xa7 Default. You and the Account will be in default under this Agreement if any of the following events occur:\n(1) We do not receive any Minimum Payment Due by the Payment Due Date disclosed on the monthly periodic statement;\n(2) You violate any other provision of this Agreement;\n(3) You have made any false or misleading statement on the Application, or on any financial statement you have submitted\nto us for or in connection with the Account, or in connection with any other loans, products or services that you have\nwith us;\n(4) We receive information that you have died, filed bankruptcy, become insolvent, or are unable to pay your debts as\nthey come due;\n(5) We determine that there is a material adverse change in your financial condition;\n(6) You fail to pay when due or are otherwise in default of any indebtedness you owe to another creditor, or any other\nindebtedness you owe us;\n(7) There is an attachment, execution, or levy against you or any of your property; or\n(8) A guardian, conservator, receiver, custodian, or trustee is appointed for you.\nIf this is a joint Account, a default by one of you will be a default by all of you.\n\n\xef\x82\xa7 Remedies. Subject to applicable law, in the event of a default, we may, at our option, in addition to such other remedies as\nwe may have under applicable law with respect to such default and without prior notice to you, do one or more of the\nfollowing:\n(1) Cancel the Account;\n(2) Require immediate payment in full of the entire outstanding balance and all accrued interest and other fees and\ncharges owed on the Account;\n(3) Suspend your credit privileges on the Account;\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 8 of 12\n\nID 65895E\n\n\x0c(4) Increase your Minimum Payment Due; or\n(5) Suspend any features of the Account.\nFollowing the exercise of any of the above remedies, you will remain subject to the provisions of this Agreement, including\nyour obligation to repay the outstanding balance of the Account in full. We may delay or waive enforcement of any of the\nprovisions of this Agreement without losing our rights to enforce either the same provision later or another provision at any\ntime. You waive any right you may have to require us to take collection action or otherwise proceed against any other\nCardholder or Authorized User before proceeding against you. All rights and remedies granted to us under this Agreement\nare cumulative and no one such right or remedy is exclusive to any other.\n\n\xef\x82\xa7 Payment of Collection Costs. Subject to applicable law, you agree to pay all costs and expenses we incur in collecting\n\namounts you owe us under this Agreement, or otherwise in enforcing or protecting our rights with respect to the Account,\nwhether or not a lawsuit is filed. These costs and expenses may include, subject to any limits under applicable law, court\ncosts, reasonable attorneys\' fees (which may include, as permitted by applicable law, those of attorneys employed by us)\nand the expenses of retrieving your Cards (which expenses include those that we incur by having Card information placed\nin a warning bulletin or restricted list). We may charge your Account for any and all collection costs incurred with respect to\nyour Account and this Agreement.\n\nADDITIONAL RIGHTS TO CANCEL OR SUSPEND YOUR CREDIT PRIVILEGES\n\nYou may cancel your Account at any time by providing us written notice at the address stated in your most recent periodic\nstatement or by telephoning us at the phone number stated in your most recent periodic statement. If this is a joint Account,\nany of you may give us notice to cancel the Account and we may close it without notifying the other Account holder. Except as\nlimited by applicable law, even if you are not in default, we may cancel your Account or suspend your credit privileges on the\nAccount at any time without prior notice. After your Account is cancelled by you or us, or your credit privileges on the Account\nare suspended by us, we will not be obligated to make further advances on the Account to any Cardholder, but you will remain\nsubject to the provisions of this Agreement, including your obligation to repay all amounts outstanding of the Account, and we\nmay require immediate payment in full of all such amounts. You must cut all Cards in half and return them to us to the address\nstated in the most recent periodic statement. You will not attempt to make any Purchases or Balance Transfers, or obtain any\nCash Advances, on the Account after the Account has been cancelled, or your credit privileges on the Account have been\nsuspended by us.\n\nCHANGES TO THIS AGREEMENT\n\nWe may add to, delete or change any of the terms of this Agreement at any time, subject to applicable law. This includes, but\nis not limited to, changing the MPRs, the APRs, and the method of calculating interest, fees, charges and the Minimum\nPayment Due, as well as adding new fees and charges. We may also amend this Agreement due to changes in regulation or\nlegislation, business needs, product design and for economic and market conditions. However, we cannot increase the MPR\non any existing balance except in limited circumstances and subject to applicable law. We will send you any notice of a change\nthat is required by applicable law. Changes to some terms may require 45 days advance written notice and we will tell you in\nthe notice if you have the right to reject a change. If the notice gives you the right to reject the change, and you reject the\nchange, we may cancel the Account but you will remain obligated to pay us any outstanding amounts on the Account as well\nas any additional amounts that may be charged to the Account thereafter (such as, any interest charges and late fees).\n\nADDITIONAL IMPORTANT INFORMATION ABOUT YOUR ACCOUNT\n\n\xef\x82\xa7 Assignment of Your Account. We may sell, transfer or assign this Agreement, the Account, or the amount owing under\nthe Account without notice to you. You may not sell, transfer or assign your Account or any of your obligations under this\nAgreement.\n\n\xef\x82\xa7 Financial and Other Information. You represent and promise to us that (a) your most recent financial statements provided\n\nto us are true, complete and correct in all respects, (b) they fairly represent your financial condition as of the date shown on\nsuch statements, and (c) no material adverse change has occurred in your financial condition since that date. You also\nrepresent and promise to us that the most recent federal income tax return and all schedules attached to such return\n("Federal Tax Return") that you have given to us are a true and correct copy of such Federal Tax Return filed with the\nInternal Revenue Service for the tax period ending on the date indicated in such Federal Tax Return. We may reinvestigate\nany information you provided to us on or with your application for the Account or otherwise in connection with your Account\nat any time. You agree to promptly provide to us, from time to time upon our request, current information regarding you and\nyour financial affairs.\n\n\xef\x82\xa7 Credit Information and Reporting. You authorize us to request and receive information from consumer reporting agencies\n\nand others concerning you and your credit history and to answer questions and requests from, and provide information to,\nothers (such as merchants and consumer reporting agencies) about our transactions and experiences with you. If you\nbelieve that we have specific information about your Account that is inaccurate, you should write us at the address shown\non your most recent periodic statement and identify the specific information that you believe is inaccurate. If you believe we\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 9 of 12\n\nID 65895E\n\n\x0chave furnished inaccurate or incomplete information about you or your Account to a credit reporting agency, contact us at\nthe Customer Service phone number stated on your most recent periodic statement. You may also write to us at City\nNational Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations. With your written request,\nplease include your name, address, home phone number, and account number and explain what you believe is inaccurate\nor incomplete.\n\n\xef\x82\xa7 Change of Name, Address, Employment and Other Information. If you change your name, your address, your\n\nemployment, or your telephone number (including a mobile phone number that you have provided to us) or any email\naddress you have provided to us, you agree to write to us and provide this information so we can change our records. We\nwill have a reasonable time to change our records to make any change.\n\n\xef\x82\xa7 Lost, Stolen or Unauthorized Use of Card or Any Access Device. If your Card or any Access Device is lost or stolen,\n\nor if you think your Card or any Access Device is being or may be used without your permission, or an Unauthorized Use\nhas occurred, you must notify us immediately by calling or writing us at the telephone number or address shown on your\nmost recent periodic statement. Do not use the Card or any Access Device after we have been notified, even if the Card or\nAccess Device is found or returned. You may be liable for the Unauthorized Use of your Card or Access Device. You will\nnot be liable for an Unauthorized Use that occurs after you notify us, by telephone or in writing, of the loss, theft or possible\nUnauthorized Use of your Card or Access Device; however, you must identify for us the charges on the periodic statement\nthat were not made by you, an Authorized User or other person authorized by you or the Authorized User, or from which\nyou, such Authorized User or other person received no benefit. In any case, your liability for Unauthorized Use will not\nexceed $50.00. You agree to assist us in our investigation, to comply with such procedures as we may require in connection\nwith our investigation and to provide information relating to any loss, theft or possible Unauthorized Use of your Card or\nAccess Device. At any time there is any loss, theft or possible Unauthorized Use of a Card or Access Device, we may close\nyour Account and open a new Account and issue to you and all other Cardholders new Cards and Access Devices (other\nthan an Enabled Device which you will need to update through your Program Provider). Such new Account will be subject\nto the terms of this Agreement, as amended from time to time.\n\n\xef\x82\xa7 Privacy. If you require Emergency Cash Disbursement or Emergency Card Replacement Services through Visa, you agree\n\nthat we may provide your personal data to Visa. Inc. or its or our contractors or services providers for that purpose. By\nentering into this Agreement, you expressly consent to the release of this information. Other information regarding privacy\nis set forth in the privacy notice that we will separately provide to you.\n\n\xef\x82\xa7 Telephone Monitoring. You understand and agree that your telephone calls with us and/or our agent regarding your\n\nAccount may be monitored and recorded for the purpose of assuring quality service or as required by applicable law. We\nmay retain any telephone recording for such time as we will determine, but we will have no liability to you if we do not retain\nthe recording.\n\n\xef\x82\xa7 Notices. We will send any notices and other communications to you regarding the Account to the address appearing on\nthe most recent periodic statement for the Account. If the Account is a joint account, we will send notices and\ncommunications to only one of you. If you have provided an email address to us, we may also send notices and other\ncommunications to such email address. Except as otherwise provided in this Agreement, you will send any notices to us at\nCity National Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations.\n\n\xef\x82\xa7 The Law That Applies to Your Account. This Agreement (including all provisions relating to APRs, fees and charges)\nand your Account will be governed and interpreted by federal law and, to the extent not preempted, the laws of the State of\nCalifornia (without reference to such state\'s conflicts of law rules), whether or not you live or use your Card or any Access\nDevice in California. If there is any conflict between any of the terms and conditions of this Agreement and applicable federal\nor state law, this Agreement will be considered changed to the extent necessary to comply with the law.\n\n\xef\x82\xa7 Severability of Terms. If any provision of this Agreement is determined by a court of competent jurisdiction to be invalid\n\nor unenforceable, the remaining portions of this Agreement will continue to be effective. We use section headings to\norganize this Agreement. The headings are for reference purposes only.\n\n\xef\x82\xa7 Maximum Loan Charges. If the Account is subject to a law that sets maximum loan charges, and that law is finally\n\ninterpreted so that the interest or other charges collected, or to be collected, in connection with the Account exceeds the\npermitted limits, then: (i) any such charge will be reduced by the amount necessary to reduce the charge to the permitted\nlimit; and (ii) any sums already collected from you which exceeded permitted limits will be refunded to you. At our option,\nwe will refund the excess either by reducing the principal amount owed under the Account or by making a direct payment\nto you.\n\n\xef\x82\xa7 City National Rewards\xc2\xae and Other Benefits. We will make available to you the services and awards described in the City\n\nNational Rewards Program Terms, Conditions and Program Rules and the City National Rewards Householding Program\nRules (together, the "Rewards Program Terms") that will be separately provided to you and which can be found on\nwww.cnb.com/rewards. These services and awards may be changed at any time and are subject to the provisions of the\nRewards Program Terms. Both we and third parties may provide you with additional benefits and services that are not\n\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 10 of 12\n\nID 65895E\n\n\x0cdescribed in this Agreement. These benefits and services are not part of this Agreement and may be added, deleted or\nchanged at any time without notice. We are not responsible for benefits or services provided by third parties.\n\nYOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCity National Bank\nCredit Card Processing Center\nP.O. Box 84021\nColumbus, GA 31908\nIn your letter, give us the following information:\n\xef\x82\xa7 Account information: Your name and account number.\n\xef\x82\xa7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xa7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xef\x82\xa7 Within 60 days after the error appeared on your statement.\n\xef\x82\xa7 At least three business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. 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\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xa7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xa7 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xa7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xa7 We can apply any unpaid amount against your Credit Access Line.\nAfter we finish our investigation, one of two things will happen:\n\n\xef\x82\xa7 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.\n\xef\x82\xa7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\n\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is\ncorrect.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50.00. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n(Visa Signature Credit Card Agreement as of 06/30/2021)\n\nPage 11 of 12\n\nID 65895E\n\n\x0c2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nCity National Bank\nCredit Card Processing Center\nP.O. Box 84021\nColumbus, GA 31908\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill 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.\nNew York Residents:\nNOTICE TO THE BUYER: 1. Do not sign this credit agreement before you read it or if it contains any blank\nspace. 2. You are entitled to a completely filled in copy of this credit agreement.\nCARDHOLDER: Your signature (including any facsimile, electronic or digital signature) on any application for the\nAccount or any sales slip or other evidence of indebtedness on your Account represents your signature on this\nAgreement.\nRETAIL INSTALLMENT CREDIT AGREEMENT\nCity National Bank\n555 South Grand Avenue\nLos Angeles, CA 90071\nChris Pomponio\nSenior Vice President\n\nCity National Bank Member FDIC\nCity National Bank is a subsidiary of Royal Bank of Canada\nVisa Signature is a registered trademark of Visa International Service Association and is used under license.\n(Visa Signature Credit Card Agreement as of 06/30/2021)\nPage 12 of 12\n\nMember Federal Reserve System\nID 65895E\n\n\x0c'