Crystal® Visa Infinite® Credit Card 

PRICING INFORMATION 
(As of December 31, 2016) 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

9.00% 

APR for Cash Advances 

12.00% 

Paying Interest 

Your due date is at least 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. We will begin charging interest on cash advances on the 
transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.70. 

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 

Transaction Fees 

None first year.  After that, $400. 

•  Cash Advance 
•  Foreign Transaction 

Either $5 or 3% of the amount of each cash advance, whichever is greater. 
None 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

Up to $15 
Up to $20 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).”  See your account agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in your account agreement. 

Monthly Periodic Rates:  The Monthly Periodic Rate for Purchases is 0.75%. The Monthly Periodic Rate for 
Cash Advances is 1.00%. 

(Crystal Visa Infinite Agreement 12/31/2016) 

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Example of Credit Card Agreement 

Crystal Visa Infinite 
Credit Card Agreement 
(As of December 31, 2016) 

YOUR CREDIT CARD AGREEMENT 
  Contract  with  Us.  This  Credit  Card  Agreement,  including  any  future  changes  to  it  as  well  as  the  Account  Opening 
Disclosure  appearing  on  the  card  carrier  that  accompanies  your  credit  card  ("Agreement"),  is  your  contract  with  City 
National Bank ("Bank", "we", "us" or "our") and explains the terms of your credit card account ("Account" or "Credit Card 
Account"). Your signature on your application or solicitation for this Account, including without limitation any electronic or 
digital signature, as well as your signature on any sales slips or any Account-related document, represents your signature 
on this Agreement. Please read this Agreement carefully and keep it for future reference.  

  Terms Used in this Agreement. In addition to terms defined elsewhere in this Agreement, the following terms have the 

following meanings: 

Term 
Access Device 

Authorized User 

Balance Transfer 

Business Day 
Card 

Cardholder 
Cash Advance 

PIN 

Purchase 

Meaning 
Any  PIN,  account  number  or  other  means  that  may  be  used  to  access  and  obtain  credit 
under the Account. 
One  or  more  persons  to  whom  we  issue  a  Card  at  your  request,  or  that  you  allow  to  use 
your  Account,  Card  or  Access  Device,  including  any  person  who  is  a  minor,  but  is  not 
responsible for the repayment of the Account unless applicable law permits otherwise. 
A transfer of funds from the Account to another credit card issuer at your request. We may, 
at our option, permit Balance Transfers. 
Monday through Friday, excluding federal legal holidays. 
One or more credit cards that we issue to Cardholders under the Account, and all renewals 
and substitutions of such cards.  
Includes you and any other person to whom we issue a Card, including an Authorized User.  
A transaction other than a Purchase that allows you to obtain an advance of funds from the 
Account. Cash Advances include: 
  Obtaining  an  advance  of  funds  from  us  or  any  financial  or  non-financial  institution  , 
including from an automated teller machine (ATM), by phone, internet transfers or other 
means; 

  Any  payment  you  make  to  us  for  payment  on  an  outstanding  Cash  Advance  that  is 

returned to us for any reason;  

  Any  transaction  that  we  consider  to  be  equivalent  to  a  Cash  Advance,  such  as  the 
purchase  of  money  orders,  lottery  tickets,  traveler's  checks,  cashier's  checks,  foreign 
currency, casino gaming and betting transactions, off-track wagers, and similar items or 
transactions. 

Cash Advance also includes any Cash Advance Fees and adjustments associated with any 
Cash Advance.  
The  personal  identification  number  issued  in  connection  with  a  Card,  and  any  substituted 
number. 
The use of the Account to: 
  Buy or lease goods or services; or  
  Make any transaction that is not otherwise a Cash Advance. 
Purchase includes any Transactions Fees and adjustments associated with any Purchase.  

(Crystal Visa Infinite Agreement 12/31/2016) 

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Unauthorized Use 

You, your and 
yourself 

The  use  of  the  Card  or  any  Access  Device  by  any  person,  other  than  you,  who  does  not 
have  actual,  implied  or  apparent  authority  for  such  use,  and  from  which  you  receive  no 
benefit.  Among  other  things,  use  by  any  Authorized  User  or  by  anyone  you  (or  any 
Authorized User) gave the  Card or any Access Device to is not Unauthorized Use, even if 
they exceed or violate your (or the Authorized User's) instructions or the individual spending 
limit set for them. 
Each applicant and co-applicant that applied for the Account; each Account holder; and other 
person  responsible  for  the  payment  of  the  Account.  It  also  includes  any  Authorized  User, 
except as otherwise noted in this Agreement. 

USING THE ACCOUNT 
  Account Usage. You must immediately activate the Card using any activation process that is provided with the Card, as 
well as sign the Card where indicated upon receipt. We will at all times own all the Cards that we provide in connection 
with the Account. You will destroy or return to us the Cards upon our request.  
You promise to follow the terms of this Agreement as long as the Account remains open or has an outstanding balance. 
You may use the Account for Purchases and to obtain Cash Advances. We may, at our option, from time to time, permit 
you  to  obtain  Balance  Transfers,  and  Balance  Transfers  will  be  treated  as  Cash  Advances  and  subject  to  the  Cash 
Advance Fee indicated below, unless we tell you that they will be treated as Purchases. 

You agree to use the Account only for lawful personal, family or household purposes. You may not use the Account for 
business or commercial purposes. You agree not to use or permit the use of any Card or other Access Device for any 
illegal transaction, including any illegal internet gambling transactions, and we will not be liable to  you if  you engage in 
any such transactions. We may deny authorization of any transaction identified as Internet gambling or illegal. You will still 
be responsible for repayment  of any such transactions, and such  transactions  will be subject to  all  of the terms of this 
Agreement.  You  may  not  use  the  Account  to  conduct  transactions  in  any  country  or  territory,  or  with  any  individual  or 
entity that is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury's Office of 
Foreign Assets Control (OFAC). Use of the Account in those countries will be blocked. You agree not to use the proceeds 
of  any  Cash  Advances,  Balance  Transfers  or  other  advances  on  the  Account  to  make  payments  on  the  Account  or  to 
make payments on any other loans or obligations you have with us. 

We  will  not  be  liable  to  you  if  (a)  any  merchant,  financial  or  non-financial  institution,  ATM  or  any  third  party  refuses  to 
accept or honor your Card or any Access Device, even if that refusal results from restrictions or requirements we impose 
on  your Account, (b)  operational problems prevent a transaction from being authorized, or (c) a transaction  is declined 
because you are in default under this Agreement or for any other reason contained in this Agreement. You acknowledge 
that  other  financial  institutions'  ATM  networks  may  have  limitations  on  the  number  and/or  dollar  amount  of  Cash 
Advances which you may withdraw from their ATMs.  

You may arrange for certain merchants to store your Card number and expiration date, so that, for example, the merchant 
may charge your Account at regular intervals, or you may make charges using that stored Card information. We may (but 
are not required to), and you authorize us to, tell these merchants if your expiration date or Card number changes or if 
your Account is cancelled. You must notify these merchants directly if you want them to stop charging your Account. 
  Authorized  Users.  You  may  permit  one  or  more  Authorized  Users  on  the  Account  to  have  access  to  the  Account  by 
asking us to issue a Card and providing us with information that we require for each Authorized User. We may require 
that  your  request  to  add  one  or  more  Authorized  Users  be  in  writing.  Except  for  an  Authorized  User  and  any  other 
Cardholder, you will not allow any person to have access to the Account, by use of a Card or any Access Device. You are 
liable for all transactions made by any Cardholder and any other person that  you have authorized or allowed to use or 
have access to the Account, a Card or any Access Device, including transactions for which you may not have intended to 
be liable, even if the amount of those transactions causes your Credit Access Line or the individual spend limit on a Card 
to be exceeded. To terminate the credit privileges of any Authorized User, you must write to us at the address stated in 
your most recent periodic statement or call us at the phone number on your most recent periodic statement. We will have 
a reasonable amount of time after your request is received by us to effectuate the termination of the credit privileges of 
the  Authorized  User.  You  must  immediately  recover  and  destroy,  by  cutting  in  half,  all  Cards  in  the  possession  of  the 
Authorized User. During this time you will continue to be responsible for any transactions of the Authorized User involving 
the Card or any Access Device until the termination is effective. You understand that we may discuss the Account with 
any Authorized User and provide information regarding the Account to any Authorized User. Authorized Users have no 
right  to  make  any  Account  changes.  Generally,  Authorized  Users  are  not  liable  for  any  outstanding  balance  on  the 
Account,  except  as  otherwise  permitted  by  law.  You  agree  to  notify  each  Authorized  User  that  they  are  subject  to  all 
applicable sections of this Agreement. 

  Credit  Access  Line  and  Available  Cash  Line.  The  Credit  Access  Line  is  the  maximum  amount  of  credit  for  which 
payment can be deferred on the Account, subject to the payment of the Minimum Payment Due. The initial Credit Access 
Line for the Account is assigned by us when the Account is opened and appears on the card carrier that accompanies the 
Card. The Credit Access Line and other terms on the card carrier are made a part of this Agreement. The Account is also 

(Crystal Visa Infinite Agreement 12/31/2016) 

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assigned  an  Available  Cash  Line  by  us,  which  is  a  portion  of  your  Credit  Access  Line  that  can  be  used  for  Cash 
Advances. The current Credit Access Line and current Available Cash Line assigned to the Account will appear on the 
most  recent  periodic  statement  for  the  Account. We  may  increase  or  decrease  your  Credit  Access  Line  and  Available 
Cash  Line  at  any  time,  either  permanently  or  temporarily,  without  prior  notice  to  you.  We  may  decline  or  honor  any 
transactions for any reason. We will not be liable if a transaction is not honored for any reason, even if there was sufficient 
credit available under the Credit Access Line or, for a Cash Advance, under the Available Cash Line. 

We may permit the primary Cardholder on the Account, as shown in our records, to set an individual spending limit for 
each  other  Cardholder  (including  any  Authorized  User  but  excluding  any  joint  Account  holder),  subject  to  the  Credit 
Access  Line  amount.  You  will  be  liable,  however,  for  all  transactions  by  an  Authorized  User  even  if  they  exceed  their 
individual spending limit. 

  No Pre-Set Spending Limit and Transaction Authorization. Unless you are considered an executive officer, director or 
other  insider  of  the  Bank  under  federal  law,  the  Account  has  no  pre-set  spending  limit.  This  does  not  mean  that  all 
transactions will be approved by us. Instead, each transaction in excess of the Credit Access Line will be considered for 
approval by us on an individual basis, and will be evaluated based on the spending and payment patterns on the Account, 
the  Account  history,  your  other  relationships  with  us,  information  from  consumer  credit  reports  we  obtain  from  credit 
bureaus, your experience with other creditors, our understanding of your resources, safety and soundness considerations 
and any suspected fraud. We may decline an authorization request for any transaction at any time for any reason. We 
may also request additional information from you at any time to evaluate a transaction request or your use of the Account. 
Any transaction honored in excess of the Credit Access Line or the Available Cash Line will not result in an increase of 
your Credit Access Line or Available Cash Line, respectively, unless we expressly notify you in writing. If we authorize a 
transaction  that causes  you to exceed  your Credit Access Line,  then  you must pay, as  part  of  your  Minimum Payment 
Due, the amount by which your balance exceeds your Credit Access Line.  

If you are considered an executive officer, director or other insider of the Bank under federal law, the no-pre-set spending 
limit feature will not apply to you. In that event, you agree not to permit the outstanding balance of your Account to exceed 
your  Credit  Access  Line.  If  any  transaction  would  cause  your  Credit  Access  Line  to  be  exceeded,  we  can  refuse  to 
authorize  the  transaction  or  we  can  charge  your  Account  for  the  transaction.  You  agree  to  pay  us  immediately,  on 
demand,  any  amount  by  which  the  outstanding  balance  on  your  Account  exceeds  your  Credit  Access  Line.  Any 
transaction honored in excess of your Credit Access Line will not result in an increase of your Credit Access Line unless 
we expressly notify you in writing. 

  Enabling Your Mobile Device to Use Your Card. When made available by us, you may register the Card with a third 
party program provider ("Program Provider") for programs such as Apple Pay™, Google Wallet™ or a similar program 
that  allows  Card  transactions  through  a  mobile  communications  device,  such  as  a  cell  phone.  You  may  do  so  by 
following the instructions of the Program Provider. Once your Card is registered, your mobile communications device 
becomes an "Enabled Device" which typically stores virtual representations of the Card to make contactless payments 
at merchants participating in the Program Provider's program, utilizing the merchant's contactless terminal, or "in-app" 
or other digital commerce payments. Your Enabled Device may not be accepted everywhere the Card is accepted.  

Your Program Provider and other third parties (such as wireless companies or data service providers) may charge fees 
for your enrolling in a program or using an Enabled Device. You are responsible for any such wireless carrier data or 
usage fees incurred. We have no liability for any such fees.  

You  are  responsible  for  keeping  your  Enabled  Device  login  and  other  credentials  private  and  secure.  You  should 
secure your Enabled Device with the same care that would be used with the Card, an Access Device, cash, checks, 
and  passwords,  or  similar  sensitive  information,  in  order  to  avoid  Unauthorized  Use.  Sharing  of  credentials  with  any 
other  person  may  allow  Unauthorized  Use  and  unauthorized  access  to  your  personal  and  payment  information 
available through the Enabled Device or the program. You agree to call us and your Program Provider immediately if 
you believe  your Enabled  Device or authentication credentials have been lost, stolen or compromised in  any  way or 
you believe an unauthorized person has used or may use your credentials.  

We are not the provider of your Enabled Device and not responsible for providing the program's services to you. Use of 
your  Enabled  Device  involves  the  electronic  transmission  of  personal  information  through  third  party  connections. 
Because  we  do  not  operate  or  control  these  connections,  we  cannot  guarantee  the  privacy  or  security  of  the  data 
transmissions.  You  should  consider  whether  there  is  risk  of  loss  or  other  problem  that  may  result  from  wireless 
transmission  or  loss  of  your  Enabled  Device.  Check  with  your  Program  Provider  and  your  wireless  carrier  for 
information about their privacy and security practices. 

We  have  no  responsibility  or  liability  for  any  loss,  damage,  function,  malfunction,  delay  or  other  problem  or  claim, 
directly or indirectly, associated with your Enabled Device, including, but not limited to, the security, accuracy, legality, 
appropriateness, content, what information is collected or accessed, performance or non-performance of your Enabled 
Device,  nor  the  actions  of  your  Program  Provider  or  any  other  third  party  regarding  any  agreement  you  enter  into 
respecting your Enabled Device or the program or any associated third party relationships that may impact use of your 

(Crystal Visa Infinite Agreement 12/31/2016) 

4 

 
Enabled Device.  Our liability, if any, is limited to your rights as a Cardholder for Unauthorized Use as provided in this 
Agreement and by applicable law. 

It  is  your  responsibility  to  read  and  understand  the  terms  and  conditions  applicable  to  your  Enabled  Device  before 
enrolling in, creating, activating or using a Card in an Enabled Device. 

INTEREST CHARGED ON YOUR ACCOUNT 
  Annual  Percentage  Rates  (APRs)  and  Monthly  Periodic  Rates  (MPRs).    The  APRs  and  corresponding  MPRs 
applicable to your Account are shown on the Pricing Information table.  The MPR is equal to the APR divided by 12. 
  Interest  Charges.  We  will  not  assess  any  interest  charges  on  the  Purchase  segment  of  your  Account  if  you  pay  the 
entire  New  Balance  stated  on  your  periodic  statement  by  the  Payment  Due  Date  each  month. We  will  assess  interest 
charges on the Purchase segment of your Account if you do not pay the New Balance stated on your periodic statement 
in full on or before the Payment Due Date stated in the periodic statement. We will begin assessing interest charges on 
each Cash Advance from the transaction date of the Cash Advance and interest charges will continue to accrue until the 
day we receive payment for the full amount of the Cash Advance. 

We calculate interest charges separately for the Purchase segment and for the Cash Advance segment of your Account. 
Balances  within  each  segment  have  different  APRs.  The  total  interest  charges  posted  to  your  Account  for  each  billing 
cycle  is  the  sum  of  the  interest  charges  for  the  Purchase  segment  plus  the  interest  charges  for  the  Cash  Advance 
segment and will be posted to your Account on the last day of the billing cycle.  

  Calculation  of Interest Charges  on  Purchases. We calculate the interest charges for the  Purchase segment  of  your 
Account on the Average Daily Balance (including new purchases) method. On each day of the billing cycle we determine 
the  Daily  Balance for the  Purchase segment. To calculate  the Daily  Balance,  we (1) take the beginning balance of the 
Purchase segment, (2) add any new Purchases, late charges and other charges (excluding unpaid interest and Foreign 
Transaction Fees) posted to the Purchase segment, (3) subtract any payments and other credits posted to the Purchase 
segment, and (4) make any appropriate corrections or adjustments. If 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 divide that total by the number of days in the billing 
cycle.  This  determines  the  Average  Daily  Balance  for  the  Purchase  segment.  We  then  multiply  this  Average  Daily 
Balance by the MPR for Purchases. This gives us the interest charges for the Purchase segment of your Account.  

  Calculation of Interest Charges on Cash Advances. We calculate the interest charges on the Cash Advance segment 
of your Account on the Average Daily Balance (including new Cash Advances) method. On each day of the billing cycle 
we  determine  the  Daily  Balance  for  the  Cash  Advance  segment.  To  calculate  the  Daily  Balance,  we  (1)  take  the 
beginning  balance  of the  Cash  Advance segment  of  your  Account, (2)  add any new Cash  Advances and  other related 
charges posted to the Cash Advance segment (excluding unpaid interest, Cash Advance Fees and Foreign Transaction 
Fees), (3) subtract any payments and other credits posted to the Cash Advance segment, and (4) make any appropriate 
corrections  or  adjustments.  If  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 divide that total by the number of days in the billing cycle. This determines the Average 
Daily  Balance  for  Cash  Advances. We  then multiply  this  Average  Daily  Balance  by  the MPR  for  Cash  Advances.  This 
gives us the interest charges on the Cash Advance segment of your Account.  

  Minimum Interest Charge. The Minimum Interest Charge applicable to your Account is shown on the Pricing Information 
table.  The  Minimum  Interest  Charge  will  be  added  to  the  Purchase  balance  of  your  Account  if  there  is  a  Purchase 
balance. If not, it will be added to the Cash Advance balance of your Account.  

ANNUAL FEE 
•  Annual  Fee  –  There  is  no  annual  fee  for  the  first  year  your  Account  is  opened.  Thereafter,  we  will  assess  you  the 
Annual Fee shown on the Pricing Information table.  The Annual Fee will be posted to your Account each year in the 
same  month  in  which  your  Account  was  originally  opened.  Subject  to  applicable  law,  we  are  entitled  to  collect  the 
Annual Fee once it is posted to your Account even if you do not use your Account or if your Account is subsequently 
suspended,  closed  or  terminated  for  any  reason.  The  Annual  Fee  will  be  billed  to  the  purchase  segment  of  your 
Account and applied against your Credit Access Line. 

New  York  Residents  Only:  The  unused  portion  of  your  Annual  Fee  may  be  refundable  during  the  first  6  months 
following the date it is billed provided you are not in default under this Agreement and you write to us, at the address 
provided on the reverse side of your most recent periodic statement, to cancel your Account and request a refund. We 
are entitled, however, to apply  the pro-rated portion  of the Annual Fee that  would have been refunded to  you to any 
installment which is not paid by the due date. Your written request must be in a mailing separate from your payment. 
Written notes on your payment coupon that you return to us with a payment will be insufficient for this purpose. You will 
return with your written request all issued Cards, cut in two. 

(Crystal Visa Infinite Agreement 12/31/2016) 

5 

 
 
TRANSACTION AND OTHER FEES CHARGED TO YOUR ACCOUNT 
  Transaction Fees. We will assess the following Transaction Fees.  The amount of each Transaction Fee is shown on the 
Pricing Information table and will be charged to the same balance segment (i.e., Purchase or Cash Advance) to which the 
transaction is posted: 

•  Cash Advance Fee. This fee will be charged to your when a Cash Advance is posted to your Account. 

  Other Fees. We will assess the following other fees in the billing cycle in which they occur. These fees will be posted to 

the Purchase segment of your Account. 

•  Late Charge. The amount of this fee is shown on the Pricing Information table and will be assessed if we do not 
receive at least the Minimum Payment Due at the address shown on the periodic statement within 15 days after the 
Payment Due Date shown on the periodic statement.  

•  Returned Payment Charge. The amount of this fee is shown on the Pricing Information table and will be assessed 
each  time  your  check  or  other  payment  instrument  (including  any  postdated  check)  or  an  electronic  debit  or  any 
other  form  of  payment  is  not  honored  or  is  returned  unpaid  for  any  reason,  even  if  it  is  paid  upon  subsequent 
presentment (if we elect to re-present the payment).  

•  Research/Photocopy Charges. A research fee of $35.00 per hour (with a one hour minimum) for the time spent 
researching  something  you  have  requested  relating  to  your  Account,  and  a  copy  charge  of  $2.00  for  each  billing 
statement and $12.00 for each sales or Cash Advance draft or other record of your Account. The research fee and 
the copy charges will not be imposed if your request relates to a billing error inquiry on your Account. 

FOREIGN CURRENCY TRANSACTIONS 
If a transaction is made in a currency other than U.S. Dollars (the "transaction currency"), Visa will convert the transaction 
into a U.S. Dollar amount (the "billing currency"). You agree to recognize the converted amount in U.S. Dollars as an amount 
that  you  are  obligated  to  pay  under  this  Agreement.  Visa  will  use  the  procedures  set  forth  in  its  operating  regulations  or 
conversion procedures in effect at the time the transaction is processed. Currently, the Visa operating regulations state that 
the exchange rate between the transaction currency and the billing currency is: (i) 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,  or  (ii)  the  government–mandated  rate  in  effect  for  the  applicable  central  processing  date,  in  each 
instance,  plus  or  minus  an  adjustment  determined  by  the  card  issuer.  The  exchange  rate  for  the  applicable  central 
processing date may differ from the rate in effect on the transaction date or the posting date. The exchange rate used may 
be the same as,  greater  than,  or  less than the rate that  would be available  through  a financial  institution  in the country in 
which the transaction occurred. We do not determine the exchange rate that is used. 

PROMISE TO PAY AND PAYMENTS 
  Promise to Pay. You promise to pay all interest, fees, charges and amounts advanced from your Account, including:  

•  All amounts advanced by the use of a Card, any Access Device or otherwise, regardless of any terms contained on 
any sales or Cash Advance receipts to the contrary, and whether or not the merchant provides you with any sales or 
Cash Advance receipts, and  

•  All  amounts  relating  to  advances  made  to  other  Cardholders  and  any  Authorized  Users  and  amounts  relating  to 

advances made to other persons that you allow to use the Card or any Access Device. 

If the Account is a joint account, each of you is jointly and severally liable for all amounts owed on the Account and under 
this Agreement, and we may refuse any request from any of  you if we receive an inconsistent request from another of 
you. 

  Periodic Statements. We will provide you with a periodic statement for each billing cycle during which your Account has 
an outstanding balance of more than $1.00 or on which interest or another finance charge has been imposed, or in which 
transactions have been posted to your Account. We will send only one periodic statement for each billing cycle even if 
your  Account  is  a  joint  account.  Your  periodic  statement  and  any  notices  about  your  Account  will  be  sent  to  the  most 
current  mailing  address  we  have  in  our  records  for  the  Account.  If  you  have  opted  for  us  to  provide  your  periodic 
statements  electronically  through  our  Credit  Card  Online  service,  we  will  not  have  any  obligation  to  send  any  periodic 
statements to your mailing address. A billing cycle is the time beginning the day following one periodic statement closing 
date  through  and  including  the  next  periodic  statement  closing  date.  Each  periodic  statement  will  provide  you  with  the 
information required by law, including the outstanding balance of the Account at the end of each billing cycle (the "New 
Balance"). A periodic statement may not be provided to you if we believe that your Account is uncollectible, if delinquency 
collection proceedings have been instituted, if we have charged off your Account in accordance with loan loss provisions 
and will not charge any additional fees or interest on the Account, or if furnishing the statement would violate applicable 
federal law. 

(Crystal Visa Infinite Agreement 12/31/2016) 

6 

 
  Minimum  Payment  Due.  Each  month  you  must  pay  at  least  the  Minimum  Payment  Due  and  any  past  due  Minimum 
Payment(s) by the Payment Due Date shown on  your monthly periodic statement. You may, at  your option,  pay more 
than  the  Minimum  Payment  Due  or  pay  the  entire  New  Balance  (as  stated  on  your  monthly  periodic  statement)  to 
reduce or avoid interest charges for the Account. To calculate the Minimum Payment Due we begin with any past due 
amount. We then add any late charges and the amount in excess of your Credit Access Line. We then add the largest 
of the following: 

•  $25.00, or  

•  2.5%  of  the  New  Balance  (after  deducting  the  amount  in  excess  of  your  Credit  Access  Line),  rounded  up  to  the 

nearest dollar. 

A New Balance of less than $25.00 is payable in full. YOU MAY PAY THE TOTAL INDEBTEDNESS (New Balance) 
AT ANY TIME. 

  Payment Instructions. You must make all payments in U.S. Dollars. To do so, you must use a check, draft, money order 
or other negotiable instrument, or make an electronic payment, that is drawn on and honored by a United States bank. Do 
not  send  cash.  We  may  reject  payments  that  are  not  drawn  in  U.S.  Dollars  and  those  drawn  on  a  financial  institution 
located outside of the United States. When you provide a check as payment, you authorize us either to use information 
from your check to make a one-time electronic fund transfer from your account on which the check is drawn or to process 
the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds 
may be withdrawn from your account on which the check is drawn as soon as the same day we receive your payment 
and  you  will  not  receive  your  check  back  from  your  financial  institution.  All  payment  instruments  must  be  sent  to  the 
address  shown  on  your  most  recent  periodic  statement  and  must  include  the  payment  coupon  from  your  periodic 
statement. There could be a delay 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 address or you otherwise fail to follow our requirements for payments. This may result in the 
imposition  of late charges  and additional interest charges,  and  it may also result  in  your default  under  this  Agreement. 
After we receive and credit your Account for any payment, whether such payment is received by check or other means 
provided for in this Agreement, we may not restore your available credit for the amount of such payment for a period of up 
to three (3) Business Days. Generally, credits to your Account, such as those generated by merchants in connection with 
returns, will not reduce your Minimum Payment Due.  

  Payment Allocation. Subject to applicable law and except as provided below, we may apply payments and credits in any 
reasonable manner. If your Account has balances with different APRs, then subject to applicable law, we will decide how 
to allocate the amount of your Minimum Payment Due. Generally, we will apply your Minimum Payment Due first to lower 
APR balances before balances with higher APRs. If you make a payment in excess of the Minimum Payment Due, then 
the portion of the payment in excess of the  Minimum Payment Due  will be applied to balances with highest  APRs and 
then to each successive balance bearing the next highest APR. We may adjust your Account as appropriate to address 
errors, returned items, dishonored payments, and other matters.  

  Automatic Payments. You may elect in  writing to us to have the  Minimum Payment Due or the entire New Balance 
(each  the  "Designated  Payment  Amount"  as  applicable)  automatically  deducted  from  a  checking  or  savings  account 
that  you  designate  and  maintain  with  us  ("Designated  Account").  If  you  make  such  an  election,  the  Designated 
Payment Amount will be automatically deducted from the Designated Account on or up to two Business Days after the 
Payment Due Date shown on your periodic statement. If, after the Closing Date shown on your periodic statement but 
at least three (3) Business Days prior to the Payment Due Date shown on your periodic statement, you make one or 
more payments to your Credit Card Account, and such payments do not pay in full the Designated Payment Amount, 
then the amount automatically deducted will only be the amount necessary to pay in full the remaining portion of the 
Designated  Payment  Amount  ("Remaining  Portion").  You  agree  to  keep  sufficient  funds  or  credit  available  in  the 
Designated Account to allow  the  Designated  Payment Amount or the Remaining Portion, as the case may  be, to be 
deducted  from  your  Designated  Account.  If  there  are  not  sufficient  funds  or  credit  available  in  your  Designated 
Account, then (i) an overdraft will occur in the Designated Account in which event an insufficient funds fee, as shown in 
our most current fee schedule applicable to your Designated Account, will be assessed, and (ii) the Bank may elect, at 
its  sole  option,  to  reverse  the  Designated  Payment  Amount  or  the  Remaining  Portion,  as  applicable,  debited  to  the 
Designated Account and posted to your Credit Card Account, which could result in the imposition of late charges and 
additional interest charges on your Credit Card Account, as well as your default under this Agreement.  

  Irregular Payments; Payments Marked "Paid In Full". We may receive letters, checks or other types of payment that 
reflect "payment in full" or other restrictive language indicating satisfaction of your debt, without losing any of our rights to 
receive full payment under this Agreement. You must send any such communication and payment to City National Bank, 
555 South Flower Street, 22nd Floor, Los Angeles, CA 90071, Attention: Credit Card Operations. Satisfaction of your debt 
for less than the full amount due requires a written agreement by us, signed by one of our authorized officers, with you. 
  Postdated  Checks.  Payments  should  not  be  made  by  postdated  check  or  other  payment  instrument.  If  we  receive  a 

(Crystal Visa Infinite Agreement 12/31/2016) 

7 

 
payment made by a postdated check, we may deposit it and will have no liability if it is posted to your checking account 
prior to the date appearing on the check. 

  Credit Balances. You may request a refund of a credit balance shown on your periodic statement at any time by either 
calling  the  Customer  Service  phone  number  shown  on  your  most  recent  periodic  statement  or  writing  to  us  at  City 
National  Bank,  555  South  Flower  Street,  22nd  Floor,  Los  Angeles,  CA  90071,  Attention:  Credit  Card  Operations.  Any 
written request must be in a mailing separate from your payment. Written notices on the payment coupon that you return 
to us with a payment will be insufficient for this purpose. We may reduce the amount of any credit balance by the amount 
of new charges or fees billed to your account.  

  Automatic  Third  Party  Charges.  You  may  authorize  a  third  party  to  automatically  charge  the  Account  for  repeat 
transactions. If automatic charges are stopped for any reason (including because the Account is closed or suspended), or 
the Account or the Card number you have provided to the third party changes, you are responsible for notifying the third 
party biller and paying these charges directly. If the Account number or your Card number changes, we may, but are not 
required to, pay from your new Account or Card number charges that you authorized to be billed to your old Account or 
Card number. 

ABOUT YOUR DEFAULT AND OUR REMEDIES 
  Default. You and the Account will be in default under this Agreement if any of the following events occur:  

(1)  We  do  not  receive  any  Minimum  Payment  Due  by  the  Payment  Due  Date  disclosed  on  the  monthly  periodic 

statement; 

(2)  You violate any other provision of this Agreement;  

(3)  You  have  made  any  false  or  misleading  statement  on  the  Application,  or  on  any  financial  statement  you  have 
submitted to us for or in connection with the Account, or in connection with any other loans, products or services that 
you have with us;  

(4)  We receive information that you have died, filed bankruptcy, become insolvent, or are unable to pay your debts as 

they come due;  

(5)  We determine that there is a material adverse change in your financial condition;  

(6)  You fail to pay when due or are otherwise in default of any indebtedness you owe to another creditor, or any other 

indebtedness you owe us;  

(7)  There is an attachment, execution, or levy against you or any of your property; or  

(8)  A guardian, conservator, receiver, custodian, or trustee is appointed for you.  

If this is a joint Account, a default by one of you will be a default by all of you. 

  Remedies. Subject to applicable law, in the event of a default, we may, at our option, in addition to such other remedies 
as we may have under applicable law with respect to such default and without prior notice to you, do one or more of the 
following:  

(1)  Cancel the Account;  

(2)  Require  immediate  payment  in  full  of  the  entire  outstanding  balance  and  all  accrued  interest  and  other  fees  and 

charges owed on the Account;  

(3)  Suspend your credit privileges on the Account;  

(4) 

Increase your Minimum Payment Due; or  

(5)  Suspend any features of the Account.  

Following  the  exercise  of  any  of  the  above  remedies,  you  will  remain  subject  to  the  provisions  of  this  Agreement, 
including your obligation to repay the outstanding balance of the Account in full. We may delay or waive enforcement of 
any  of  the  provisions  of  this  Agreement  without  losing  our  rights  to  enforce  either  the  same  provision  later  or  another 
provision  at  any  time.  You  waive  any  right  you  may  have  to  require  us  to  take  collection  action  or  otherwise  proceed 
against any  other Cardholder or Authorized User before proceeding against  you. All rights and remedies granted to  us 
under this Agreement are cumulative and no one such right or remedy is exclusive to any other.  

  Payment of Collection Costs. Subject to applicable law, you agree to pay all costs and expenses we incur in collecting 
amounts you owe us under this Agreement, or otherwise in enforcing or protecting our rights with respect to the Account, 
whether or not a lawsuit is filed. These costs and expenses may include, subject to any limits under applicable law, court 
costs, reasonable attorneys' fees (which may include, as permitted by applicable law, those of attorneys employed by us) 
and  the  expenses  of  retrieving  your  Cards  (which  expenses  include  those  that  we  incur  by  having  Card  information 
placed in a warning bulletin or restricted list). We may charge your Account for any and all collection costs incurred with 
respect to your Account and this Agreement.  

(Crystal Visa Infinite Agreement 12/31/2016) 

8 

 
ADDITIONAL RIGHTS TO CANCEL OR SUSPEND YOUR CREDIT PRIVILEGES 
You may cancel your Account at any time by providing us written notice at the address stated in your most recent periodic 
statement or by telephoning us at the phone number stated in your most recent periodic statement. If this is a joint Account, 
any of you may give us notice to cancel the Account and we may close it without notifying the other Account holder. Except 
as limited by applicable law, even if you are not in default, we may cancel your Account or suspend your credit privileges on 
the Account at any time without prior notice. After  your Account is cancelled by  you or us, or your credit privileges on the 
Account are suspended by us, we will not be obligated to make further advances on the Account to any Cardholder, but you 
will  remain  subject  to  the  provisions  of  this  Agreement,  including  your  obligation  to  repay  all  amounts  outstanding  of  the 
Account, and we may require immediate payment in full of all such amounts. You must cut all Cards in half and return them 
to us to the address stated in the most recent periodic statement. You will not attempt to make any Purchases or obtain any 
Cash Advances on the Account after the Account has been cancelled, or  your credit privileges on the Account have been 
suspended by us. 

CHANGES TO THIS AGREEMENT 
We may add to, delete or change any of the terms of this Agreement at any time, subject to applicable law. This includes, but 
is  not  limited  to,  changing  the  MPRs,  the  APRs,  and  the  method  of  calculating  interest,  fees,  charges  and  the  Minimum 
Payment Due, as well as adding new fees and charges. We may also amend this Agreement due to changes in regulation or 
legislation, business needs, product design and for economic and market conditions. However, we cannot increase the MPR 
on  any  existing  balance  except  in  limited  circumstances  and  subject  to  applicable  law.  We  will  send  you  any  notice  of  a 
change that is required by applicable law. Changes to some terms may require 45 days advance written notice and we will 
tell you in the 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  change,  we  may  cancel  the  Account  but  you  will  remain  obligated  to  pay  us  any  outstanding  amounts  on  the 
Account as well as any additional amounts that may be charged to the Account thereafter (such as, any interest charges and 
late fees).  

ADDITIONAL IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 
  Assignment of Your Account. We may sell, transfer or assign this Agreement, the Account, or the amount owing under 
the Account without notice to you. You may not sell, transfer or assign your Account or any of your obligations under this 
Agreement. 

  Financial  and  Other  Information.  You  represent  and  promise  to  us  that  (a)  your  most  recent  financial  statements 
provided to us are true, complete and correct in all respects, (b) they fairly represent your financial condition as of the date 
shown on such statements, and (c) no material adverse change has occurred in your financial condition since that date. 
You also represent and promise to us that the most recent federal income tax return and all schedules attached to such 
return ("Federal Tax Return") that you have given to us are a true and correct copy of such Federal Tax Return filed with 
the  Internal  Revenue  Service  for  the  tax  period  ending  on  the  date  indicated  in  such  Federal  Tax  Return.  We  may 
reinvestigate any  information  you provided to  us on or  with  your  application for the Account or otherwise in connection 
with  your  Account  at  any  time.  You  agree  to  promptly  provide  to  us,  from  time  to  time  upon  our  request,  current 
information regarding you and your financial affairs.  

  Credit  Information  and  Reporting.  You  authorize  us  to  request  and  receive  information  from  consumer  reporting 
agencies  and  others  concerning  you  and  your  credit  history  and  to  answer  questions  and  requests  from,  and  provide 
information to, others (such as merchants and consumer reporting agencies) about our transactions and experiences with 
you.  If  you  believe  that  we  have  specific  information  about  your  Account  that  is  inaccurate,  you  should  write  us  at  the 
address shown on your most recent periodic statement and identify the specific information that you believe is inaccurate. 
If  you  believe  we  have  furnished  inaccurate  or  incomplete  information  about  you  or  your  Account  to  a  credit  reporting 
agency, contact us at the Customer Service phone number stated on your most recent periodic statement. You may also 
write  to  us  at  City  National  Bank,  555  South  Flower  Street,  22nd  Floor,  Los  Angeles,  CA  90071,  Attention:  Credit  Card 
Operations. With  your  written  request,  please  include  your  name,  address,  home  phone  number,  and  account  number 
and explain what you believe is inaccurate or incomplete.  

  Change  of  Name,  Address,  Employment  and  Other  Information.  If  you  change  your  name,  your  address,  your 
employment,  or  your  telephone  number  (including  a  mobile  phone  number  that  you  have  provided  to  us)  or  any  email 
address you have provided to us, you agree to write to us and provide this information so we can change our records. We 
will have a reasonable time to change our records to make any change.  

  Lost, Stolen or Unauthorized Use of Card or Any Access Device. If your Card or any Access Device is lost or stolen, 
or if you think your Card or any Access Device is being or may be used without your permission, or an Unauthorized Use 
has occurred, you must notify us immediately by calling or writing us at the telephone number or address shown on your 
most recent periodic statement. Do not use the Card or any Access Device after we have been notified, even if the Card 
or Access Device is found or returned. You may be liable for the Unauthorized Use of your Card or Access Device. You 
will not be liable for an Unauthorized Use that occurs after you notify us, by telephone or in writing, of the loss, theft or 

(Crystal Visa Infinite Agreement 12/31/2016) 

9 

 
possible Unauthorized Use of your Card or Access Device; however, you must identify for us the charges on the periodic 
statement that were not made by you, an Authorized User or other person authorized by you or the Authorized User, or 
from which you, such Authorized User or other person received no benefit. In any case, your liability for Unauthorized Use 
will not exceed $50.00. You agree to assist us in our investigation, to comply with such procedures as we may require in 
connection  with  our  investigation  and  to  provide  information  relating  to  any  loss,  theft  or  possible  Unauthorized  Use  of 
your  Card  or  Access  Device.  At  any  time  there  is  any  loss,  theft  or  possible  Unauthorized  Use  of  a  Card  or  Access 
Device, we may close your Account and open a new Account and issue to you and all other Cardholders new Cards and 
Access Devices (other than an Enabled Device which you will need to update through your Program Provider). Such new 
Account will be subject to the terms of this Agreement, as amended from time to time. 

  Privacy.  If  you  require  Emergency  Cash  Disbursement  or  Emergency  Card  Replacement  Services  through  Visa,  you 
agree that we may provide your personal data to Visa. Inc. or its or our contractors or services providers for that purpose. 
By  entering  into  this  Agreement,  you  expressly  consent  to  the  release  of  this  information.  Other  information  regarding 
privacy is set forth in the privacy notice that we will separately provide to you.  

  Telephone  Monitoring.  You  understand  and  agree  that  your  telephone  calls  with  us  and/or  our  agent  regarding  your 
Account may be monitored and recorded for the purpose of assuring quality service or as required by applicable law. We 
may retain any telephone recording for such time as we will determine, but we will have no liability to  you if we do not 
retain the recording. 

  Notices. We will send any notices and other communications to you regarding the Account to the address appearing on 
the most recent periodic statement for the Account. If the Account is a joint account, we will send only one notice to you. If 
you have provided to us an email address, we may also send notices and other communications to such email address. 
You may sign up to receive certain types of alerts for the Account by use of our Credit Card Online service. Except as 
otherwise provided in this Agreement, you will send any notices to us at our address shown on the most recent periodic 
statement for the Account.  

  The Law That Applies to Your Account. This Agreement (including all provisions relating to APRs, fees and charges) 
and your Account will be governed and interpreted by federal law and, to the extent not preempted, the laws of the State 
of  California  (without  reference  to  such  state's  conflicts  of  law  rules),  whether  or  not  you  live  or  use  your  Card  or  any 
Access  Device  in  California.  If  there  is  any  conflict  between  any  of  the  terms  and  conditions  of  this  Agreement  and 
applicable federal or state law, this Agreement will be considered changed to the extent necessary to comply with the law. 
  Severability of Terms. If any provision of this Agreement is determined by a court of competent jurisdiction to be invalid 
or  unenforceable,  the  remaining  portions  of  this  Agreement  will  continue  to  be  effective.  We  use  section  headings  to 
organize this Agreement. The headings are for reference purposes only. 

  Maximum  Loan  Charges.  If  the  Account  is  subject  to  a  law  that  sets  maximum  loan  charges,  and  that  law  is  finally 
interpreted so that the interest or other charges collected, or to be collected, in connection with the Account exceeds the 
permitted limits, then: (i) any such charge will be reduced by the amount necessary to reduce the charge to the permitted 
limit; and (ii) any sums already collected from you which exceeded permitted limits will be refunded to you. At our option, 
we will refund the excess either by reducing the principal amount owed under the Account or by making a direct payment 
to you. 

  City National Rewards® and Other Benefits. We will make available to you the services and awards described in the 
City National Rewards Program Terms, Conditions and Program Rules and the Householding Program Rules (together, 
the "Rewards Program Terms") that will be separately provided to you and which can be found on www.cnb.com/rewards. 
These  services  and  awards  may  be  changed  at  any  time  and  are  subject  to  the  provisions  of  the  Rewards  Program 
Terms.  Both  we  and  third  parties  may  provide  you  with  additional  benefits  and  services  that  are  not  described  in  this 
Agreement. These benefits and services are not part of this Agreement and may be added, deleted or changed at any 
time without notice. We are not responsible for benefits or services provided by third parties. 

YOUR BILLING RIGHTS. KEEP THIS NOTICE 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: 

City National Bank  
Credit Card Processing Center  
P.O. Box 84021  
Columbus, GA 31908 

In your letter, give us the following information: 

(Crystal Visa Infinite Agreement 12/31/2016) 

10 

 
  Account information: Your name and account number. 
  Dollar amount: The dollar amount of the suspected error.  
  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: 
  Within 60 days after the error appeared on your statement. 
  At least three 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: 
1.  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. 

2.  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:  
  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  We can apply any unpaid amount against your Credit Access Line. 

After we finish our investigation, one of two things will happen:  
  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. 
  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 $50.00 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: 
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 advertisement 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 still dissatisfied with the purchase, contact us in writing at: 

City National Bank  
Credit Card Processing Center  
P.O. Box 84021  
Columbus, GA 31908  

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.  

(Crystal Visa Infinite Agreement 12/31/2016) 

11 

 
New York Residents:  

NOTICE TO THE BUYER: 1. Do not sign this credit agreement before you read it or if it contains any blank 
space. 2. You are entitled to a completely filled in copy of this credit agreement. 

CARDHOLDER:  Your  signature  (including  any  facsimile,  electronic  or  digital  signature)  on  any  application  for  the 
Account  or  any  sales  slip  or  other  evidence  of  indebtedness  on  your  Account  represents  your  signature  on  this 
Agreement. 

RETAIL INSTALLMENT CREDIT AGREEMENT 

City National Bank  
555 South Flower Street  
Los Angeles, CA 90071 

Vincent Hruska  
Senior Vice President 

Member FDIC 
Visa and Visa Infinite are registered trademarks of Visa International Service Association and used under license. 

Member Federal Reserve System 

(Crystal Visa Infinite Agreement 12/31/2016) 

12