SOUTHERN	BANK	AND	TRUST	COMPANY
CONSUMER	CREDIT	CARD	CARDHOLDER	AGREEMENT	&	DISCLOSURE

This Consumer Credit Card Cardholder Agreement & Disclosure (“Agreement”) covers the use of your Account with us. It includes the Pricing Informa琀椀on Disclosure 
on the enclosed le琀琀er or the document that accompanies your Card, as well as any subsequent disclosures which we provide to you from 琀椀me to 琀椀me, all of which 
are incorporated here by reference. Please read this Agreement carefully and keep it for your records. It supersedes all prior agreements and disclosure statements 
rela琀椀ng to your Account. You do not have to sign this Agreement. You agree to the terms of this Agreement when you accept, sign or use your Card or your Account.

1.	 De昀椀ni琀椀ons: In this Agreement the following de昀椀ni琀椀ons for the underlined words apply:

•  Account means your credit card account established under this Agreement.
•  APR means Annual	Percentage	Rate. Your Interest Charge is based on the APR.
•  ATM means automated teller machine.
•  Authorized User means an individual to whom you have asked us to issue a Card on your Account.
•  Bank, we, us and our refer to First-Ci琀椀zens Bank & Trust Company, an a昀케liate of Southern Bank and Trust Company.
•  Billing Cycle means a period of 琀椀me that is approximately 30 days in length. Each Billing Cycle ends on the Statement Closing Date provided on your Billing Statement.
•  Billing Statement (or Statement) means a document we provide to you showing Account informa琀椀on including, among other things, your Credit Limit and 

Available Credit, Account Ac琀椀vity during a Billing Cycle, New Balance, Minimum Payment Due and Payment Due Date.

•  Card means either one or more Visa® credit cards or any other access device such as a debit or ATM card, used to access your Account.
•  Check means any one or more convenience checks we may send you to access your Account.
•  Daily Periodic Rate means the APR divided by the number of days in the year (365 days, or 366 days in the case of a leap year).
•  Finance Charge is the cost of credit as a dollar amount. It includes the Interest Charge plus disclosed Transac琀椀on Fees.
•  Interest Charge is the periodic rate charge based on the applicable APR. It is a component of the Finance Charge and is de昀椀ned in more detail in Sec琀椀on 6. 

Your Total Interest is a summary of the Interest Charges for each balance and associated APR.

•  Merchant means a business displaying the Visa sign and accep琀椀ng your Card for the purchase of goods and services.
•  Minimum Payment Due and Payment Due Date mean the amount you must pay, and the date by which you must pay it, to avoid a Late Payment Fee. See 

Sec琀椀on 11 for details.

•  New Balance (or “Balance”) means your outstanding balance for the current month as of the Statement Closing Date.
•  Penalty Pricing means an increase in your APR due to one or more delinquencies in payment.
•  Transac琀椀on Fees are components of your Finance Charge and include Foreign Currency Conversion Fees, Balance Transfer Fees and Cash Advance Fees.
•  You, your and yours means each applicant or co-applicant for the Account, any person responsible for paying the Account, and anyone authorized to use, 

access or service the Account, including any Authorized User.

2.	 Credit	Limit: We will provide you no琀椀ce of your credit limit when we send you your Card, and it will also be listed on each Billing Statement we send you. At our 
discre琀椀on, we may change your limit at any 琀椀me as permi琀琀ed by law and a昀琀er providing you with appropriate no琀椀ce as required. We do not automa琀椀cally 
increase your credit limit if you make a payment that results in your Account having a credit balance. You may request a change to your credit limit by contac琀椀ng 
the Bank at the toll free number listed on the back of your Card and on your Statement. We do not have to pay any Check or honor any cash advance or purchase 
with your Card that puts your Account balance over your credit limit. You agree not to exceed your credit limit, but if you do, and we pay or accept any Checks, 
advances or purchases that put your unpaid Account balance over your credit limit, you promise to pay these amounts without our no琀椀ce or demand.

3.	 Addi琀椀onal	Cards	and	Checks: You may request addi琀椀onal Cards on your Account for yourself or for one or more Authorized Users by contac琀椀ng the Bank at 
the toll free number listed on the back of your Card and on your Statement. You are responsible for your Authorized User’s use of the Card. If you want to 
remove an Authorized User from the Account you must contact us at the number provided on your Statement and destroy all Cards in his or her possession. 
Authorized Users may remove themselves from the Account upon request. From 琀椀me to 琀椀me, we may provide you with Checks to access your Account that you 
can use like any other personal checks except they cannot be used to make payments to us under this Account or, without our wri琀琀en consent, to pay any other 
amount you owe us. Purchases made via Checks are treated as cash advances for the purpose of calcula琀椀ng Interest Charges, unless we inform you otherwise.

4.	 Card	Use: You or an Authorized User on your Account must sign your Card in order to use it. You may use your Card to buy goods and services from Merchants 
or to borrow cash from us at one of our branches or at other banks where the Card is honored up to the credit limit we establish for you. You must follow any 
and all reasonable and proper procedures required by us or the other bank or Merchant honoring the Card.

5.	 Transac琀椀on	Limita琀椀ons/Suspensions: There is no minimum dollar amount for Card purchases; however, there is a $50 minimum on cash advances and $100 
minimum on balance transfers. At our discre琀椀on, we may limit the number of transac琀椀ons that may be approved in any one day. We reserve the right to deny 
certain transac琀椀ons for any reason, including, default, suspected fraudulent or unlawful ac琀椀vity, or any increased risk related to the transac琀椀on. We are 
not responsible if a transac琀椀on on your Account is not approved, either by us or by a third party, even if you have su昀케cient credit available. We may, in our 
discre琀椀on, approve transac琀椀ons that cause your balance to exceed your credit limit without waiving any of our rights under this Agreement.

6.	 Finance	Charges: The total Finance Charge imposed on your Account each Billing Cycle is the sum of the Interest Charges plus all Transac琀椀on Fees imposed 

during that Billing Cycle.
a.  Interest Charges

•  Interest Charges on Purchases and Balance Transfers: We will impose no Interest Charge to your Account for your purchases and balance transfers if we 
credit you for payment of the en琀椀re New Balance shown on your Statement by the Payment Due Date. If your payment is not credited to your Account 
by the Payment Due Date (see Sec琀椀on 11), or you do not pay your New Balance in full, we will impose an Interest Charge on the average daily balance 
outstanding on your Account for the number of days in your Billing Cycle.

•  Interest Charges on Cash Advances: We will impose an Interest Charge for your cash advances (whether they are obtained by Check or Card) from the 

date the cash advance posts.

•  Calcula琀椀on of Average Daily Balance(s): We use the average daily balance method (including current transac琀椀ons) for calcula琀椀ng your average daily 

balance(s). We will determine an average daily balance for each of your (1) purchase balances (including balance transfers) and (2) cash advance balances. 
To get the daily balance for your purchase (including balance transfers) and cash advance amounts, we take the beginning balance of your Account each 
day, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new charges and fees, subtract any applicable por琀椀ons of 
payments and credits, and add applicable unpaid Interest Charges from the applica琀椀on of the daily periodic rate to each day’s ending balance.

•  Calcula琀椀on of Your Interest Charge: Your Interest Charge for the period is based on the applicable APR associated with each balance. We disclose the 
currently e昀昀ec琀椀ve APR in our Pricing Informa琀椀on Disclosure. Por琀椀ons of your Balance, however, may be subject to prior APRs.We calculate Interest 
Charges separately for your purchase (including balance transfer) and cash advance balances under each applicable APR. We list each balance and the 
applicable interest rate in the Interest Charge Calcula琀椀on sec琀椀on of your Statement. We compute each Interest Charge by:
(1) 
(2)  mul琀椀plying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that balance),
(3)  mul琀椀plying each of the products in (2) by the number of days in the Billing Cycle, and
(4)  adding together all the products obtained in (3) to obtain your Total Interest for the period.

calcula琀椀ng the daily periodic rate,

•  Minimum Interest Charge: The minimum Interest Charge, if any, imposed on your Account will be at least $1.00. The Pricing Informa琀椀on Disclosure 

discloses the actual minimum Interest Charge applicable to your Account.

Page 1 of 5

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b.  Transac琀椀on Fees: You will pay addi琀椀onal Finance Charges, called “Transac琀椀on Fees,” if incurred. A descrip琀椀on of these fees is included below; however, the 
actual fee for these transac琀椀ons is listed in our Pricing Informa琀椀on Disclosure. In the 昀椀rst Billing Cycle in which a Transac琀椀on Fee is posted, the Transac琀椀on 
Fee may cause the APR shown on your Statement for that Billing Cycle to exceed the nominal APR.
•  Foreign Transac琀椀on (Foreign Currency Conversion) Fee. Visa Interna琀椀onal will convert any charges you incur in currency other than U.S. dollars into a 

U.S. dollar amount under the currency conversion procedures set forth in their respec琀椀ve Opera琀椀ng Regula琀椀ons in e昀昀ect at the 琀椀me the transac琀椀on is 
processed. The non-U.S. dollar transac琀椀on amount is converted into a U.S. dollar amount by mul琀椀plying the transac琀椀on amount in the non-U.S. dollar 
currency by a currency conversion or exchange rate. The currency conversion rate is either (1) a government-mandated rate in e昀昀ect for the applicable 
processing date; or, (2) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate Visa itself receives. The currency conversion rate is determined as of the date the transac琀椀on is processed and 
may di昀昀er from the rate in e昀昀ect on the date the transac琀椀on occurred or posted to your account. Visa charges us, as the processing bank, a percentage 
of the transac琀椀on amount. The fee we charge you for foreign currency conversions is contained in our Pricing Informa琀椀on Disclosure at the end of this 
Agreement.

•  Cash Advance Fee. We charge you a fee for cash advances you make. For purposes of the imposi琀椀on of Cash Advance Fees, the term “cash advance” 
means a cash advance loan made to you or on your behalf through the use of a Card, but does not include purchases, the use of Checks, or balance 
transfers to your Account from credit card accounts you maintained at other 昀椀nancial ins琀椀tu琀椀ons. See the Pricing Informa琀椀on Disclosure for the amount 
of the fee.

•  Balance Transfer Fee. We charge you a fee for balance transfers you make. For purposes of the imposi琀椀on of Balance Transfer Fees, the term “balance 

transfer” means a transfer of outstanding balances from other credit cards to your Account. See the Pricing Informa琀椀on Disclosure for the amount of the 
fee.

c.  Compounding of Finance Charges and Unpaid Finance Charges: Finance Charges compound daily. We will consolidate unpaid Finance Charges and other 

unpaid charges into your Account balance daily. In this way, unpaid Finance Charges and other unpaid charges from the previous day will be subject to and 
included in the calcula琀椀on of the new Finance Charge.

7.	 Rates: Your APR and Daily Periodic Rate are based on the latest prime rate as published in the Money Rates table of The Wall Street Journal on the last business 
day of the month (the “Prime Rate”). Your APR and Daily Periodic Rate are subject to increase (or decrease) monthly if the Prime Rate increases or decreases. 
Your APR will be equal to the Prime Rate as published on the last business day of the preceding calendar month, plus an applicable margin for purchases, 
balance transfers and cash advances as shown on the Pricing Informa琀椀on Disclosure. The APR will never increase above the maximum rate allowed by 
applicable law. An increase in the Prime Rate, which causes the APR to increase, will result in an increase in the amount of the Finance Charge. This may cause 
an increase in the Minimum Payment Due or cause a smaller amount of your payment of the Minimum Payment Due to be applied to principal.

8.	 Fees: Annual Fees, if any, Transac琀椀on Fees (e.g., Balance Transfer Fees, Cash Advance Fees, Foreign Currency Conversion Fees), and Penalty Fees (e.g., any Late 
Payment Fee, Over-the-Credit-Limit Fee, or Returned Payment Fee) are disclosed in our Pricing Informa琀椀on Disclosure. You also agree to pay the following 
one-琀椀me fees if incurred:
a.  Expedited Card Fee (for requests of expedited delivery of Cards): $35
b.  Document Fee (for duplicate copies of Statements and copies of charge slips or other documents not requested in connec琀椀on with a billing error): $10 per 

Statement or item

c.  Expedited Delivery of Payment Fees (for rush payments):

•  The fee to make payments through Western Union® Speedpay® Bill Payment Service (or similar service provider), will be disclosed to you at the 琀椀me you 

ini琀椀ate payment through a Bank Customer Contact Representa琀椀ve.

•  The fee to make payment transfers from one of your Bank checking or saving accounts with the assistance of a Bank Customer Contact Center 

representa琀椀ve: $3.50

9.	 Changes	to	Rates,	Fees	and	Terms: We may add, delete or change any term of this Agreement at any 琀椀me unless the law prohibits us from doing so. We can 

increase your Interest Charge for new transac琀椀ons and your Fees one year a昀琀er your Account has been opened. We will send advance no琀椀ce of any changes to 
you at the address you have given us as required by law.
a.  If we increase your fees, we will inform you of your op琀椀ons in advance, including any right you may have to opt out of some of these changes. If you do opt 
out, we will close your line of credit to new purchases and cash advances, and we will not permit you to transfer balances to your Account from another 
credit card account. However, if you have failed to make the required Minimum Payment Due within 60 days a昀琀er the Payment Due Date for that payment, 
you agree that any new or changed fee(s) shall apply both to exis琀椀ng balances and new transac琀椀ons.

b.  Your variable APR can go up or down monthly as the index for the rate goes up or down. If we increase your Interest Charge for any other reason, we will 

no琀椀fy you in wri琀椀ng; however, we will not apply any such increase to the exis琀椀ng balance in your Account.

c.  If the Bank has temporarily reduced your APR in connec琀椀on with a hardship arrangement, we will no琀椀fy you in wri琀椀ng when the arrangement ends and the 

temporary APR reverts to your prior APR. The prior APR will then apply to your outstanding balance as well as to any new transac琀椀ons.

d.  If you are a service member on special APR, we will no琀椀fy you in wri琀椀ng, in accordance with federal regula琀椀ons, when your APR reverts to your prior APR. 

The prior APR will apply to your outstanding balance as well as to any new transac琀椀ons.

10.	 Billing	Statement	and	No琀椀昀椀ca琀椀on	of	Billing	Error: We will send you a periodic Billing Statement every month. It is your responsibility to review the Statement 
and no琀椀fy us promptly of any charge or item you believe to be in error or subject to dispute. If you do not no琀椀fy us of any disputed items within sixty (60) days 
a昀琀er the date we send you the Statement on which the error 昀椀rst appears, the item(s) will be conclusively deemed as correct to the extent permi琀琀ed by law. 
You will not receive any cancelled Checks with your Statements; however, you may obtain a photocopy of an electronic image of any Check we have in our 
records that you request. You may be required to pay a Document Fee for such copies. (See Sec琀椀on 8 for fee).

11.	 Payments	and	Late	Payment	Fee: You can pay o昀昀 your Account balance in full each month or you can pay in monthly installments.

a.  Credi琀椀ng Your Payment: Payments must be made to us in U.S. dollars. Unless the payment is made electronically, it must be in the form of a personal 

check, money order, or cashier’s check and capable of being processed through the Federal Reserve System. Payments must be drawn on a U.S. 昀椀nancial 
ins琀椀tu琀椀on. We do not accept cash payments through the mail. We will credit your payment to your Account on the date we “receive it” as follows:
•  If you make your payment in person at one of our branches on a Bank business day (any day except Saturday, Sunday or a bank holiday), we will credit 
your payment on that day if we receive your payment prior to branch closing and you provide your payment coupon with your payment. Otherwise, 
credi琀椀ng of your payment will be delayed.

•  If you make your payment by mail, we must receive it at the speci昀椀c address we publish on your Billing Statement. Your payment coupon must be 

included with the payment. Otherwise, our receipt and credi琀椀ng of your payment will be delayed.

•  If you make your payment at one of our ATMs on a Bank business day, we will credit your payment on that day if you make the payment prior to the ATM 

cuto昀昀 琀椀me for that ATM and you include your payment coupon.

•  If you make your payment via an electronic transfer (ACH transfer, bill pay, transfer from another account, etc.), we will credit your payment on the day 

that it posts to your Account.

•  If our credi琀椀ng of your payment is delayed because your payment is mailed to the wrong address, does not meet our branch or ATM cuto昀昀 琀椀me, or does 
not include your payment coupon (when applicable), we will generally credit your payment to your Account the next Bank business day, but no later than 
5 days a昀琀er we receive it.

•  We may delay pos琀椀ng all or a por琀椀on of your payment un琀椀l it is honored by the paying bank.

b.  Minimum Payment Due: Your Minimum Payment Due is listed on your Statement and equals the lesser of:

Page 2 of 5

•   the amount of your New Balance, or
•  the greater of:
•  $30, or
•  3% of the amount you owe, or
•  the sum of Finance Charges accrued since the last Billing Cycle (including Interest Charges and Transac琀椀on Fees), plus any Penalty Fees, Annual Fees (if 

applicable), and one-琀椀me fees that have been posted to your Account, plus 1% of the amount you owe.

Making only the Minimum Payment Due will increase the amount of interest you pay and the 琀椀me it takes to repay your balance.

c.  Late Payment Fee: If payment of the Minimum Payment Due amount on your Account is not credited to your Account by Payment Due Date, we will 

charge you a Late Payment Fee unless your Minimum Payment Due is less than $30, in which case we will not assess a late Payment Fee. (See our Pricing 
Informa琀椀on Disclosure for a descrip琀椀on of the fee).

d.  Returned Payment Fee: We will charge you a Returned Payment Fee any 琀椀me any payment you make to us is not paid by your 昀椀nancial ins琀椀tu琀椀on for any 

reason even if that ins琀椀tu琀椀on later pays it. (See our Pricing Informa琀椀on Disclosure for a descrip琀椀on of the fee).

e.  Prepaid Status: If you pay more than the Minimum Payment Due during any par琀椀cular Billing Cycle, you s琀椀ll must pay the Minimum Payment Due in 

subsequent Billing Cycles unless we no琀椀fy you that you are in “prepaid status.” Your Account can achieve “prepaid status” if you pay at least twice the 
amount of the Minimum Payment Due but less than the New Balance, whichever is less. Your Account can be in prepaid status without a payment being 
required for a maximum of three consecu琀椀ve months. If your Account is in prepaid status and you con琀椀nue to make payments, the prepaid status will 
remain in e昀昀ect un琀椀l the prepaid amount is equal to or less than the Minimum Payment Due. Your Account cannot be in prepaid status if your Account is 
in an adverse condi琀椀on (delinquent, over-the-credit-limit, etc.) or if the en琀椀re Balance is due. If you pay the New Balance in full or make a payment that is 
greater than the balance, your Account cannot be in a prepaid status and any exis琀椀ng prepaid status that may exist is cancelled.

f.  Applica琀椀on of Payments: We apply your Minimum Payment Due amount to your lower APR balances before higher ones. We apply any por琀椀on of your 

payment in excess of your Minimum Payment Due to higher APR balances before lower ones.

g.  Skip Payments: We may allow you to skip a payment during certain Billing Cycles (a “payment holiday”). If you accept a payment holiday, we will con琀椀nue 

to apply Interest Charges but will not impose a Late Payment Fee. All credit terms and provisions contained in this Agreement (including Minimum Payment 
Due and any applicable Late Payment Fee) will apply for the Billing Cycle following a payment holiday.

12.	 Credit	Obtained	by	Checks: To obtain credit by using Checks, you must use the Checks we provide to you that are imprinted with your name and Account 
number. You are liable and responsible for all Checks wri琀琀en against your Account if they are signed by anyone whom you authorized to do so. We are not 
liable or responsible for paying postdated Checks. We are also not liable or responsible if, due to our paying a postdated Check or other Check you have asked 
us not to pay, other Checks are dishonored or returned unpaid. We are not liable or responsible for dishonoring and returning a Check unpaid if (1) payment 
of the Check would cause you to exceed your available line of credit, (2) because you are then in default under, or in breach of the terms of this Agreement, or 
(3) because your privileges under this Agreement have been revoked. If, however, we pay any Check in our discre琀椀on that we could have properly dishonored 
or returned unpaid for any reason (including the above reasons), then you, nevertheless, agree to pay the amount of the Check. Payment of a Check shall not 
cons琀椀tute our waiver of amounts due and unpaid at that 琀椀me.

13.	 Ownership	of	Checks	and	Cards: Cards are issued by, and are the property of, First-Ci琀椀zens Bank & Trust Company. Cards and related Checks remain our 

property at all 琀椀mes and may be repossessed by us at any 琀椀me. We may refuse to issue or reissue you a Card or Checks, revoke your Card or limit Card use, 
and/or revoke your privileges rela琀椀ng to the use of Checks, without your knowledge and without no琀椀ce to you. If we revoke your Card or withdraw your 
privilege to use any Checks, and you become aware of such revoca琀椀on/withdrawal, you must surrender to us or our agent the Card, the Checks, and any other 
cards or devices that may be used to access the Account. You must not use any expired, revoked or otherwise invalid Card or Checks to obtain, or a琀琀empt to 
obtain, credit. You must not use the Card, Checks and/or the Account for any illegal transac琀椀ons.

14.	 Responsibility	for	Charges	to	Your	Account: We may charge your Account for any transac琀椀on authorized either by you or by any Authorized User. Valid 

authoriza琀椀on for a transac琀椀on may be given (1) in wri琀椀ng (e.g., by signing a sales slip or cash advance slip), (2) verbally (e.g., by telephone), or (3) electronically 
(e.g., over the Internet). If you or any Authorized User gives your Account number to any third party who uses that informa琀椀on to ini琀椀ate a charge against your 
Account, we will consider the transac琀椀on authorized by you.

15.	 Refusal	to	Honor	Card	or	Checks;	Adjustments: We are not responsible if a Merchant refuses to honor your Card or Checks. If your Account requires an 

adjustment for goods or services purchased (a return), we will make the adjustment only to your Account and only upon our receipt of a properly executed 
credit slip. You agree not to accept any cash refunds with respect to any adjustments for goods or services purchased.

16.	 Default:

a.  Each of the following cons琀椀tutes an event of default:

•  Your failure to make any payment when due and payable.
•  Any payment is dishonored
•  Your failure to comply with any provision of this Agreement or any other agreement rela琀椀ng to other cards or devices that access your Account.
•  You made an untrue statement on your applica琀椀on.
•  Your death or insolvency, or your making an assignment for the bene昀椀t of creditors.
•  The 昀椀ling of a pe琀椀琀椀on or commencement of any other proceeding under any bankruptcy, insolvency or receivership law by or against you.
•  Issuance of any writ, order or no琀椀ce of a琀琀achment, levy or garnishment against you or any of your property, assets or income.
•  The occurrence of an event that gives us reason to believe that your ability to pay us on 琀椀me has been impaired, or that you may use your Card or Checks 

improperly.

b.  Our rights in the event of default: We may, at our op琀椀on and a昀琀er giving you all legally required no琀椀ces and rights to cure, declare all amounts you owe 

us immediately due and payable with interest at the rate provided in this Agreement, refuse to authorize further transac琀椀ons, close your Account, cancel 
all Cards, and revoke any privileges associated with such Cards. If this occurs, you agree to pay us, to the extent permi琀琀ed by applicable law, all costs of 
collec琀椀on, including, without limita琀椀on, reasonable a琀琀orneys’ fees and expenses. Any such a琀琀orneys’ fees will be added to the unpaid Balance on your 
Account and interest will be charged on this amount at the rate provided in this Agreement. We also have the right to cancel this Agreement and take 
immediate possession of all Cards and Checks. If we close or permanently suspend your Account, you must destroy all Cards.

17.	 Inves琀椀ga琀椀ng	Your	Credit;	Repor琀椀ng	Your	Credit	History: You authorize us, at any 琀椀me we feel appropriate, to obtain or conduct whatever credit inves琀椀ga琀椀on 
we feel is needed to evaluate your credit, personal or 昀椀nancial standing, and/or employment. Upon our request, you agree to provide us with your current 
昀椀nancial informa琀椀on. You also authorize us to report informa琀椀on about your Account to consumer (credit) repor琀椀ng agencies, and share your credit 
experience, including informa琀椀on on late payments, missed payments, or other defaults on your Account, with consumer repor琀椀ng agencies, creditors and 
any others. This informa琀椀on may be re昀氀ected in your credit report.

18.	 Contac琀椀ng	You: To the extent permi琀琀ed by applicable law, you expressly authorize us, our a昀케liates, our agents, and any independent contractors we hire to 

contact you in person or by using an automated device or prerecorded messaging system or any other way at any telephone number or other electronic device 
or devices we or our a昀케liates or agents believe will or may connect us/them with you including, but not limited to (1) cell phone numbers you have given to us 
or we may acquire by any other means, (2) text messaging, (3) email, or (4) facsimile.

19.	 Joint	and	Several	Liability: Each applicant who signs the Account applica琀椀on shall be jointly and severally liable for all loans, purchases, advances and balance 

transfers made on the Account whether by Card, Check or otherwise.

Page 3 of 5

20.	 Lost/Stolen	Cards	or	Checks: When you discover that any Card or Check is lost, stolen or used in an unauthorized manner, you agree to no琀椀fy us immediately 

upon such discovery:
•  in wri琀椀ng: at Bankcard Center, P.O. Box 1580, Roanoke, VA 24007-1580; or
•  by telephone: at 1.800.543.9000.
You agree to cooperate with us completely in our a琀琀empts to recover from unauthorized Card or Check users and to assist in the prosecu琀椀on of such persons. 
You will not be liable for any unauthorized use that occurs if you no琀椀fy us promptly, either orally or in wri琀椀ng, of the loss, the昀琀 or possible unauthorized use. In 
any case, your liability will not exceed $50.00. Furthermore, your liability will not exceed $0 if you report the Card lost or stolen for all transac琀椀ons made over 
the Visa network.

21.	 Cancella琀椀on: You may cancel this Agreement at any 琀椀me by no琀椀fying us in wri琀椀ng and returning to us any and all Cards and/or Checks we have provided to 
you. We may also cancel this Agreement at any 琀椀me without no琀椀ce except when prohibited by law. In either case, you must con琀椀nue to pay all amounts you 
owe on your Account in accordance with the terms contained in this Agreement.

22.	 No琀椀ces	and	Statements: Any no琀椀ce or Statements we mail to the address we have for you as shown in our records for this Account shall be considered to have 

been given and received by you.

23.	 Governing	Law: This Agreement and your Account is governed by federal law and, to the extent permi琀琀ed, by the laws of the State of North Carolina (even if 

you are not a resident of North Carolina) in all respects, whether in contract or in tort, including ma琀琀ers of construc琀椀on, validity and performance and ma琀琀ers 
rela琀椀ng to terms, rates, fees and charges, but without giving e昀昀ect to those principles of con昀氀ict of laws that might otherwise require the applica琀椀on of the 
laws of another jurisdic琀椀on. You agree that, to the extent allowed by law, we may change the designa琀椀on of the state whose law governs this Agreement. You 
acknowledge that your Account was approved in the State of North Carolina.

24.	 Billing	Rights:

FEDERAL	CONSUMER	PROTECTION	ACT	DISCLOSURE
YOUR	BILLING	RIGHTS

KEEP THIS NOTICE FOR FUTURE USE

This no琀椀ce tells you about your rights and our responsibili琀椀es under the Fair Credit Billing Act. “You” and “your” mean the cardholder; “we”, “our” and “us” 
mean First-Ci琀椀zens Bank & Trust Company.

WHAT	TO	DO	IF	YOU	FIND	A	MISTAKE	ON	YOUR	STATEMENT

If you think there is an error on your statement, write to us as soon as possible on a separate sheet of paper at the address shown on the 昀椀rst page of your 
Statement following the words “Send Inquiries and Correspondence to:” In your le琀琀er, give us the following informa琀椀on:

• Account informa琀椀on: Your name and account number
• Dollar amount: The dollar amount of the suspected error; and
• Descrip琀椀on of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

If you want us to stop payment on the amount you think is wrong, you must contact us:

• Within 60 days a昀琀er the error appeared on your statement, and
• At least three (3) business days before an automated payment is scheduled.

You must no琀椀fy us of any poten琀椀al errors in wri琀椀ng. You may call us, but if you do we are not required to inves琀椀gate any poten琀椀al errors and you may 
have to pay the amount in ques琀椀on.

When we receive your le琀琀er, we must do two things:

1. Within 30 days of receiving your le琀琀er, we must tell you that we received your le琀琀er. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your le琀琀er, we must either correct the error or explain to you why we believe the bill is correct.

WHAT	WILL	HAPPEN	AFTER	WE	RECEIVE	YOUR	LETTER

While we inves琀椀gate whether or not there has been an error:

•  We cannot try to collect the amount in ques琀椀on, or report you as delinquent on that amount.
•  The charge in ques琀椀on may remain on your statement, and we may con琀椀nue to charge you interest on that amount.
•   While you do not have to pay the amount in ques琀椀on, you are responsible for the remainder of your balance.
•   We can apply any unpaid amount against your credit limit.

A昀琀er we 昀椀nish our inves琀椀ga琀椀on, one of two things will happen:

1.  If we made a mistake: You will not have to pay the amount in ques琀椀on or any interest or other fees related to that amount.
2.  If we do not believe there was a mistake: You will have to pay the amount in ques琀椀on, 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.

If you receive our explana琀椀on but s琀椀ll believe your bill is wrong, you must write to us within ten (10) days telling us that you s琀椀ll refuse to pay. If you do so, 
we cannot report you as delinquent without also repor琀椀ng that you are ques琀椀oning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organiza琀椀ons know when the ma琀琀er has been se琀琀led between us.

If we do not follow all of the rules above, you do not have to pay the 昀椀rst $50 of the amount you ques琀椀on even if your bill is correct.

YOUR	RIGHTS	IF	YOU	ARE	DISSATISFIED	WITH	YOUR	CREDIT	CARD	PURCHASES

If you are dissa琀椀s昀椀ed 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 the purchase. To use this 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 $50.00. (Note: neither of these are necessary if your purchase was based on an adver琀椀sement 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.

3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are s琀椀ll dissa琀椀s昀椀ed with the purchase, contact us in wri琀椀ng at the address shown on the 昀椀rst page of your Statement 
following the words “Send Inquiries and Correspondence to:”. While we inves琀椀gate, the same rules apply to the disputed amount as discussed above. A昀琀er 
we 昀椀nish our inves琀椀ga琀椀on, 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.

25.	 Department	of	Defense	Consumer	Credit	Disclosure: Federal law provides important protec琀椀ons to members of the Armed Forces and their dependents rela琀椀ng 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage rate of 36 percent. This rate must include, as applicable to the credit transac琀椀on or account: The cost associated with credit insurance premiums; 
fees for ancillary products sold in connec琀椀on with the credit transac琀椀on; and applica琀椀on fee charged (other than certain applica琀椀on fees for speci昀椀ed credit 
transac琀椀ons or accounts); and any par琀椀cipa琀椀on fee charged (other than certain par琀椀cipa琀椀on fees for a credit card account). Please call (844) 757-3559 to have 
this Disclosure provided to you orally.

Page 4 of 5

Pricing	Informa琀椀on	Disclosure

Interest	Rates	and	Interest	Charges

Annual	Percentage	Rate
(APR)	for	Purchases

12.49% to 23.49%, 

based on your creditworthiness

This APR will vary with the market based on the Prime Rate.

APR	for	Balance	Transfers

0% introductory APR for the 昀椀rst 12 billing cycles following account opening on any balance
transferred within the 昀椀rst 90 days following account opening.

A昀琀er that, your APR will be 12.49% to 23.49%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR	for	Cash	Advances

23.49% to 26.49%, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.

Paying	Interest

Your due date will be at least 21 days a昀琀er your billing statement is mailed or delivered to you.
•  We will not charge you any interest on purchases and balance transfers if you pay your 

en琀椀re balance by the due date each month.

•  We will begin charging interest on cash advances on the transac琀椀on date.

Minimum	Interest	Charge

If you are charged interest, the charge will be no less than $1.00.

For	Credit	Card	Tips	from	
the	Consumer	Financial	
Protec琀椀on	Bureau

To	learn	more	about	factors	to	consider	when	applying	for	or	using	a	credit	card,	visit	the	
website	of	the	Consumer	Financial	Protec琀椀on	Bureau	at
h琀琀p://www.consumer昀椀nance.gov/learnmore.

Fees

Annual	Fee

Transac琀椀on	Fees
• Balance Transfer
• Cash Advance
• Foreign Transac琀椀on

Penalty	Fees
• Late Payment
• Over-the-Credit Limit
• Return Payment

$0

• Either $5 or 3% of the amount of each transfer, whichever is greater.
• Either $5 or 3% of the amount of each cash advance, whichever is greater.
• 2% of each transac琀椀on in U.S. dollars.

• $25 for any payment 10 days or more past due.
• $0
• $25

How	We	Will	Calculate	Your	Balance: We use a method called “average daily balance method (including current transac琀椀ons).” See the 
Consumer Credit Card Cardholder Agreement & Disclosure for more details.

Billing	Rights: Informa琀椀on on your rights to dispute transac琀椀ons and how to exercise those rights is provided in the Consumer Credit 
Card Cardholder Agreement & Disclosure.

How	We	Will	Calculate	Your	Variable	APRs: 

•  Unless an introductory APR is in e昀昀ect, we add a margin of between 7.74% and 18.74% to the Prime Rate to determine the APR for 

Purchases and Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.

•  Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 4.75% as of 

June 30, 2022. See the Consumer Credit Card Cardholder Agreement & Disclosure for more details.

Loss	of	Introductory	APR: If an introductory APR is applicable to Balance Transfers, we may end your introductory APR and apply the 
post-introductory Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.

You should contact us to 昀椀nd out what may have changed by calling toll-free at 1.800.763.0356.

RBPID – Standard (6/22)

Page 5 of 5