Citadel  
Classic and Gold MasterCard® 
Agreements & Disclosures

M-102004

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for  
Purchases

APR for Balance Transfers and for Cash 
Advances

How to Avoid Paying Interest

For Credit Card Tips From The  
Federal Reserve Board
Fees

Transaction Fees
   Cash Advance Fee
   Foreign Transaction Fee

Penalty Fees
   Late Fee
   Returned Check Fee

7.24-17.99% based upon your creditworthiness.  The APR will vary with the market 
based on the Prime Rate.  Please see the attached Addendum for your Rate.
7.24-17.99% based upon your creditworthiness.  The APR will vary with the market 
based on the Prime Rate.  Please see the attached Addendum for your Rate.
Your due date is 25 days after the close of each billing cycle.  We will not charge you any  
interest on purchases if you pay your entire balance by the due date each month.  Interest  
is charged on cash advances and balance transfers from the date the advance is made.  
To learn more about factors to consider when applying for or using a credit card, visit the  
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

3% of amount advanced ($10 minimum, $100 maximum) 
1% of transaction amount in U.S. dollars.

$25.00 
$25.00

How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).” 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described is accurate as of 7/10.  This information may have changed after that date.  To find out what 
may have changed, call us at 800-666-0191.
Your APR may increase on an annual basis, depending on changes in the highest Prime Rate reported in the Northeast edition of the Wall Street 
Journal on the first business day of each November. We calculate your rate by adding a margin of 3.99-14.99 to the Prime Rate. The result is your 
APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes will 
take effect on January 1 and may result in an increase in the minimum payment or an increase in time it will take to pay off balance on card. Please 
refer to your statement for your APR.

Classic and Gold MasterCard® Line of Credit Agreement
Agreement between Citadel and the borrower(s):

1.  Upon using this card, I agree to be bound by the terms and conditions of Citadel’s credit 

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card agreement.  I signifies “we”.
I hereby apply for a line of credit that I can use from time to time and which may be 
replenished by payment on amounts previously drawn.
This Agreement establishes my request for the issuance of a MasterCard upon approval by 
Citadel.  (a) The credit limit approved shall be determined by Citadel, and this credit limit 
will be drawn upon as I utilize an issued MasterCard Credit Card.  (b) The line of credit 
will be repaid in accordance with terms and conditions issued by MasterCard Interna-
tional, Inc., and in accordance with policies established by Citadel’s Board of Directors.
4.  A Finance Charge will be imposed on MasterCard Cash Advances that you obtain through 
the use of your MasterCard as of the date of each such Cash Advance and will continue to 
accrue until date of payment in full.  A Finance Charge will be imposed on the unpaid bal-
ance for Credit Purchases from the statement closing date and on Credit Purchases made 
during the current billing cycle from the date of posting of each such Credit Purchase to 
your account and will continue to accrue until the date the account balance is paid in full 
only if the New Balance indicated on your statement for the prior monthly period is not 
paid in full within 25 days after the statement closing date.  If the New Balance indicated 
on your statement for the prior monthly period is paid in full within 25 days after the 
statement closing date, no Finance Charge will be imposed on Credit Purchases made dur-
ing the current billing cycle.
The Periodic Rate used to compute The Finance Charge is the APR divided by 365 multi-
plied by the number of days in the month.  Please contact Citadel or refer to your credit 
card statement to find out the corresponding APR.
The Finance Charge for a billing cycle is computed by applying the daily Periodic Rate 
to the Average Daily Balance, which is determined by dividing the sum of the daily bal-
ances during the billing cycle by the number of days in the cycle.  Each daily balance is 
determined by adding to the Previous Balance (the outstanding balance in the account at 
beginning of the billing cycle) all new MasterCard Cash Advances as made and if the Previ-
ous Balance was not paid in full within the first 25 days of the billing cycle, all new Credit 
Purchases as posted through that date, but excluding any unpaid Finance Charges.
In event of suit to collect unpaid balances, all costs, including attorneys’ fees of 33% of the 
balance due, or such greater amounts as may be reasonable and just and also those costs, 
expenses and attorneys’ fees incurred in appellate proceedings, shall be imposed.
Issuer has the right to apply the proceeds of any collateral now or hereafter pledged to 
Issuer to secure payment of other indebtedness with Issuer to the payment of your unpaid 
balance in event of non-payment.
Payments made are applied in the following order:  late charges, service fees, interest on 
retail purchases, interest on cash advances, cash advance principal, and retail purchase 
principal (remaining payment).
I agree not to use this credit card for any illegal activity.  I understand that by doing so I 
may lose certain rights.

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11.  Billing Error Rights Notice Your Billing Rights: Keep this Document for Future Use.  This 

notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act.  What To Do If You Find A Mistake On Your Statement.  If you think there is 
an error on your statement, write to us at: Citadel PO Box 72147, Thorndale, PA 19372.  
In your letter, give us the following information: (a) Account information: Your name and 
account number. (b) Dollar amount: The dollar amount of the suspected error. (c) Descrip-
tion 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. You must contact us: (a) Within 60 days after 
the error appeared on your statement. (b) At least 3 business days before an automated 
payment is scheduled, if you want to stop payment on the amount you think is wrong.  You 
must notify us of any potential errors in writing. You may call us, but if you do we are not 
required to investigate any potential errors and you may have to pay the amount in ques-
tion.  What Will Happen After We Receive Your Letter.  When we receive your 
letter, we must do two things: (a) 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 corrected the error. 
(b)Within 90 days of receiving your letter, we must either correct the error or explain to 
you why we believe the bill is correct. While we investigate whether or not there has been 
an error: (a) We cannot try to collect the amount in question, or report you as delinquent 
on that amount. (b) The charge in question may remain on your statement, and we may 
continue to charge you interest on that amount. (c) While you do not have to pay the 
amount in question, you are responsible for the remainder of your balance. (d) We can 
apply any unpaid amount against your credit limit. After we finish our investigation, one 
of two things will happen: (a) 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. (b) If we do not believe 
there was a mistake: You will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount you owe and the date pay-
ment is due. We may then report you as delinquent if you do not pay the amount we think 
you owe. If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report 

you as delinquent without also reporting that you are questioning your bill. We must tell 
you the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us. If we do not follow all 
of the rules above, you do not have to pay the first $50 of the amount you question even 
if your bill is correct.  Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases.  If you are dissatisfied 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: (a) 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. (Note: Neither of these are necessary if your pur-
chase was based on an advertisement we mailed to you, or if we own the company that 
sold you the goods or services.) (b) 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. (c) You must not yet have fully paid for the purchase. If 
all of the criteria above are met and you are still dissatisfied with the purchase, contact us 
in writing at: Citadel PO Box 72147, Thorndale, PA 19372.  While we investigate, the same 
rules apply to the disputed amount as discussed above.  After we finish our investigation, 
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.
I understand and agree that Citadel has the authority to impress and enforce a lien on 
all present and future shares in my name to the extent of that unpaid balance in event of 
non-payment.

12. 

13.  The minimum monthly periodic payment required is the total New Balance as shown on 

your monthly billing statement if the amount is under $25.00.  If the New Balance exceeds 
$25.00, the minimum periodic payment is 2.25% of that portion of the New Balance which 
does not exceed your credit limit, plus the entire portion of the New Balance in excess of 
your credit limit, plus any amount past due, or $25.00, whichever is greater.
If I lose my MasterCard, I will report the lost card to Citadel as soon as possible.  Replace-
ment cards will be given to me at a cost of $10.00.

14. 

15.  Citadel may charge a late fee of $25.00 if my monthly payment is more that 5 (five) days 

past due.  At no time will your late fee exceed your outstanding balance.  I understand that 
Citadel reserves the right to change the fee at any time with proper written notification. 
16.  A Cash Advance Fee of 3% of the advance amount will be assessed per MasterCard Cash 
Advance transaction.   The minimum fee is $10 and the maximum fee is $100.  I under-
stand that the Credit Union reserves the right to change the fee at any time.

17.  For transactions initiated in foreign currencies, the exchange rate between the transaction 

currency and the billing currency (U.S. dollars) will be: (a) a rate selected by MasterCard 
from the range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate MasterCard itself receives; or (b) the 
government-mandated rate in effect for the applicable central processing date.  In each 
instance You will be charged 8/10th of 1.00% calculated on the final settlement amount for 
transactions that are initiated in foreign countries, and if your transaction is also initiated 
in a foreign currency You will be charged an additional 2/10th of 1.00% calculated on the 
final converted settlement amount.
I promise to pay any and all charges incurred by me or by any person whom I authorize to 
use the MasterCard Credit Card issued to me.

18. 

19.  As a holder of a MasterCard Credit Card, I understand that I can repay any outstanding 

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balance prior to maturity in whole or in part at my option without penalty.
I recognize and agree that I will accept any other conditions established by Citadel’s Board 
of Directors that are necessary to protect the best interest of Citadel and to comply with 
applicable Federal and State laws and regulations, except that Citadel may not assess any 
other charges to which I have not expressly agreed.
I acknowledge and agree that Citadel’s Loan Review Committee may terminate this  
Agreement under the following conditions: (a) Upon adverse re-evaluation of my credit 
worthiness.  (b) Upon my failure to satisfy the terms of this Agreement and the terms and 
conditions established by Citadel’s Board of Directors and by MasterCard International, 
Inc.  (c) At my option or at Citadel’s option if it has good cause.
If my line of credit is to be terminated by Citadel, I shall receive written notice of such 
termination; however, I understand and acknowledge that such termination shall not affect 
my obligation to pay any outstanding balance.
I understand that Citadel may review my loan file at least once every 12 months.   
I hereby give my permission to and authorize Citadel to investigate and reassess my  
credit worthiness with the understanding that this may affect my loan limit depending on 
the results of the credit inquiry.
I fully understand, acknowledge and agree that if my loans become delinquent or past due 
my MasterCard Credit Card shall be revoked, unless the Loan Review Committee or the 
Loan Officer determines that extenuating circumstances have contributed to the delin-
quency; under such circumstances, the Loan Review Committee, at its option, may approve 
my continued use of the MasterCard Credit Card.