OpenSky� Visa� Gold Credit Card � Important Disclosures  
Please take a moment to carefully review the Pricing Information and Terms & Conditions below.  The Pricing 
Information and Terms & Conditions are a part of the Credit Card Agreement.  
 
 
PRICING INFORMATION  
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  23.90%  
This is a fixed rate APR.  
APR for Cash Advances  23.90%  
This is a fixed rate APR.  
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you interest on new purchases, provided you have paid your previous balance in full by 
the due date each month. We will begin charging interest on cash advances on the 
transaction date.  
Minimu m Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at http://www.  
Consumerfinance.gov/learnmore . 
 
Fees  
Annual Fee  $59 annually.  
Transaction Fees  
� Cash  Advance  
� Foreign  Transaction   
$10 or 3% of the amount of each Cash Advance; whichever is greater.  
3% of each Transaction in U.S. dollars.  
Penalty Fees  
� Late  Payment  
� Returned  Payment   
Up to $39 
Up to $39 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� See the 
complete Card Agreement for more details.  
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Card 
Agreement that will be provided to you before you can begin using your new card.  
 
Military Lending Protections : Federal law provides important protections to members of the Armed Forces and their dependents 
related to e xtension 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 tion 
or account ; the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts);  and any 
part icipation fee charged (other than certain participation fees for a credit card account). To receive this information and a 
description of your payment obligation verbally, please call us toll free at 855 -763-6736.  
 
 
STATE NOTICES  
CA RESIDENTS : You may appl y for an account in your name alone, regardless of your marital status.  
NY RESIDENTS : You may contact the New York State Banking Department at 1 -877-226-5697 to obtain a comparative listing of all credit  
card rates, fees and grace  periods.  
OH RESIDENTS: The Ohio rules against discrimination require that all creditors make credit equally available to all creditworthy customers and 
that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Comm ission  administers 
compliance with this  law.  VT, RI AND NY RESIDENTS : A cr edit report may be requested in connection with your application. At your request, Capital Bank (CB) will tell you 
whether or not a credit report was obtained and, if so, the name and address of the consumer reporting agency that furnished the report. CB 
may also request credit reports from time to time in connection with any update, renewal or extension of the credit account, w henever CB 
believes that such action is appropriate.  
Married WI Residents: No provisions of any marital property agreement, unilate ral statement under �766.59 of the Wisconsin Statutes, or court 
decree under �766.70 will adversely affect a creditor�s interest unless, prior to the time credit is granted, the creditor is  furnished a copy of the 
agreement, statement or decree or has actu al knowledge of the adverse provision. If an Account is opened for you, you must notify your spouse 
about the Account before any payment on the Account is due. Your Signature confirms that credit extended under this account will be incurred 
in the interest  of your marriage or  family.  
 
 
TERMS & CONDITIONS AND ADDITIONAL DISCLOSURES  
USA PATRIOT Act Notice: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all 
financial institutions to obtain, verify, a nd record information that identifies each individual or entity opening an account.  
What this means for you: When you apply for or open an account, we will ask you for your name, street address, date of birth and other 
information that will allow us to ide ntify you. You may be asked to provide your driver�s license or other identifying documents. We are required 
to follow this procedure each time an account is opened, even if you are a current customer of Capital Bank.  Thank you for h elping  us to follow 
this federally mandated  procedure.  
I am accepting the invitation for the OpenSky Visa Gold Credit Card.  
I understand to be eligible for the offer:  
� I must be at least 18 years of age and have a valid Social Security Number or Individual  Taxpayer 
Identification  Number.  
� I need to be a United States citizen or permanent resident of the United  States.  
� My monthly income must be greater than my monthly expenses and I have the ability to repay  the 
estimated monthly payment you require for this  card.  
� My account  history  on any current  or previous  relationship  with  Capital  Bank  must  be in good  standing.  
With respect to my application, I acknowledge that:  
� I will need to make monthly payments toward any balance I accrue, as with any other credit  card.  
� By providing my phone numbers, I agree that Capital Bank, and its authorized agents, may call me at these 
numbers.  If the number is a cell phone number,  I agree that you may contact me using an automatic 
dialer, including pre -recorded messages and/or text  messages.  
� I will receive  the OpenSky  Visa Gold  Card  Agreement  and I am bound  by its terms  and future  revisions.  
 
CONSENT TO ELECTRONIC COMMUNICATIONS:  
Electronic Signatures. By clicking the �Submit� or similar button, you hereby agree to sign up for elect ronic communications and this will 
constitute your consent and shall constitute your signature.  
 
Federal Law. You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce 
that is subject to th e federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply  to  
the fullest  extent  possible  to validate  our ability  to conduct  business  and communicate  with  you by electronic  means.  
 
Categories of Communications. You consent to receive communications relating to your Account in electronic form. The communications 
covered by your consent may include, but are not limited to, (a) initial disclosure statement or agreement governing your Ac count, (b) any 
disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal  Fair Credit Reporting 
Act and the financial privacy provisions of the Gramm -Leach -Bliley Act, (c) your billing stat ement, (d) letters, notices or alerts regarding our 
Account and any changes to your Account, and (e) other disclosures, notices or communications in connection with the applicat ion for, the 
opening of, maintenance of or collection of your Account.  
 
 
 
 
 
 
 
 
�2021 Capital Bank, N.A.  Member  FDIC.  SKY2  -201 
All rights  reserved.  October 2021