Citadel  
Cash Rewards MasterCard®  
Agreements & Disclosures

M-123234

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

Your APR will be 12.24-17.99% based upon your creditworthiness.   
The APR will vary with the market based on the Prime Rate.  
Your APR will be 12.24-17.99% based upon your creditworthiness.   
The APR will vary with the market based on the Prime 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) 
1.1% 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 10/17.  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 a quarterly 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 March, June, September, and December. 
We calculate your rate by adding a margin of 7.99-14.99 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 the first day of January, April, July and October, and may result in an increase in the minimum payment or an increase in time it will take 
to pay off the balance on card. Please refer to your statement for your APR.

2093  10/01/17

Citadel Cash Rewards 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 card 

2. 

3. 

4. 

5. 

6. 

7. 

8. 

9. 

10. 

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 International, Inc., and in 
accordance with policies established by Citadel’s Board of Directors.
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 balance 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 during the current billing cycle.
The Periodic Rate used to compute The Finance Charge is the APR divided by 365 multiplied 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 balances 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 Previous 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.

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 520 Eagleview Boulevard, Exton, PA 19341.  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) Description 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 question.  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 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 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 purchase 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 520 Eagleview Boulevard, Exton, PA 19341.  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.  Replacement 
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 understand 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 a fee of 0.90% 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 fee of 0.20% 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 balance 

20. 

21. 

22. 

23. 

24. 

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 delinquency; under 
such circumstances, the Loan Review Committee, at its option, may approve my continued use 
of the MasterCard Credit Card.

25.  Federal law provides important protections to members of the Armed Forces and their 

dependents relating 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 transaction 
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 participation fee charged 
(other than certain participation fees for a credit card account). If you want to hear this 
disclosure verbally, please call 855-640-3707. Not applicable for business credit cards.