FIRST CITIZENS BANK & TRUST COMPANY
CONSUMER CREDIT CARD CARDHOLDER AGREEMENT & DISCLOSURE
MASTERCARD®/VISA®

This Consumer Credit Card Cardholder Agreement & Disclosure (“Agreement”) covers the use of your Account with us.  It includes the Pricing 
Information Disclosure on the enclosed letter or the document that accompanies your Card, as well as any subsequent disclosures which we provide 
to you from time to time, all of which are incorporated here by reference.  Please read this Agreement carefully and keep it for your records.  It 
supersedes all prior agreements and disclosure statements relating to your Account.  You do not have to sign this Agreement.  You agree to the terms 
of this Agreement when you accept, sign or use your Card or your Account.  

1.  Definitions:  In this Agreement the following definitions for the underlined words apply:

•  Account means your credit card account established under this Agreement.
•  APR means Annual Percentage Rate.  Your Interest Charge is based on the APR.  
•  ATM means automated teller machine.
•  Authorized User means an individual to whom you have asked us to issue a Card on your Account. 
•  Bank, we, us and our refer to First-Citizens Bank & Trust Company.
•  Billing Cycle means a period of time that is approximately 30 days in length.  Each Billing Cycle ends on the Statement Closing Date provided on 

your Billing Statement. 

•  Billing Statement (or Statement) means a document we provide to you showing Account information including, among other things, your Credit 

Limit and Available Credit, Account Activity during a Billing Cycle, New Balance, Minimum Payment Due and Payment Due Date.

•  Card means either one or more MasterCard®/Visa® credit cards or any other access device such as a debit or ATM card, used to access your 

Account.

•  Check means any one or more convenience checks we may send you to access your Account.   
•  Daily Periodic Rate means the APR divided by the number of days in the year (365 days, or 366 days in the case of a leap year).  
•  Finance Charge is the cost of credit as a dollar amount.  It includes the Interest Charge plus disclosed Transaction Fees.  
•  Interest Charge is the periodic rate charge based on the applicable APR.  It is a component of the Finance Charge and is defined in more detail in 

Section 6.  Your Total Interest is a summary of the Interest Charges for each balance and associated APR.  

•  Merchant means a business displaying the MasterCard or Interbank/Visa sign and accepting your Card for the purchase of goods and services.
•  Minimum Payment Due and Payment Due Date mean the amount you must pay, and the date by which you must pay it, to avoid a Late Payment 

Fee.  See Section 11 for details.

•  New Balance (or “Balance”) means your outstanding balance for the current month as of the Statement Closing Date.  
•  Penalty Pricing means an increase in your APR due to one or more delinquencies in payment.
•  Pricing Information Disclosure means a summary of your Account’s APRs, fees and other important information.
•  Transaction Fees are components of your Finance Charge and include Foreign Currency Conversion Fees, Balance Transfer Fees and Cash 

Advance Fees.

•  You, your and yours means each applicant or co-applicant for the Account, any person responsible for paying the Account, and anyone   

authorized to use, access or service the Account, including any Authorized User.

2. Credit Limit:  We will provide you notice of your credit limit when we send you your Card, and it will also be listed on each Billing Statement we 

send you.  At our discretion, we may change your limit at any time as permitted by law and after providing you with appropriate notice as required.  
We do not automatically increase your credit limit if you make a payment that results in your Account having a credit balance.  You may request a 
change to your credit limit by contacting the Bank at the toll free number listed on the back of your Card and on your Statement.  We do not have 
to pay any Check or honor any cash advance or purchase with your Card that puts your Account balance over your credit limit.  You agree not to 
exceed your credit limit, but if you do, and we pay or accept any Checks, advances or purchases that put your unpaid Account balance over your 
credit limit, you promise to pay these amounts without our notice or demand.

3. Additional Cards and Checks:  You may request additional Cards on your Account for yourself or for one or more Authorized Users by contacting 
the Bank at the toll free number listed on the back of your Card and on your Statement.  You are responsible for your Authorized User’s use of the 
Card.  If you want to remove an Authorized User from the Account you must contact us at the number provided on your Statement and destroy all 
Cards in his or her possession.  Authorized Users may remove themselves from the Account upon request.  From time to time, we may provide you 
with Checks to access your Account that you can use like any other personal checks except they cannot be used to make payments to us under this 
Account or, without our written consent, to pay any other amount you owe us.  Purchases made via Checks are treated as cash advances for the 
purpose of calculating Interest Charges, unless we inform you otherwise.  

4. Card Use:  You or an Authorized User on your Account must sign your Card in order to use it.  You may use your Card to buy goods and services 
from Merchants or to borrow cash from us at one of our branches or at other banks where the Card is honored up to the credit limit we establish 
for you.  You must follow any and all reasonable and proper procedures required by us or the other bank or Merchant honoring the Card.  
5. Transaction Limitations/Suspensions:  There is no minimum dollar amount for Card purchases; however, there is a $50 minimum on cash 

advances and $100 minimum on balance transfers.  At our discretion, we may limit the number of transactions that may be approved in any one 
day.  If we detect unusual or suspicious activity on your Account, we may temporarily suspend your credit privileges until we can verify the activity.  
We are not responsible if a transaction on your Account is not approved, either by us or by a third party, even if you have sufficient credit available.  
We may, in our discretion, approve transactions that cause your balance to exceed your credit limit without waiving any of our rights under this 
Agreement.  

6. Finance Charges:  The total Finance Charge imposed on your Account each Billing Cycle is the sum of the Interest Charges plus all Transaction Fees 

imposed during that Billing Cycle.  
a.  Interest Charges

•  Interest Charges on Purchases and Balance Transfers:  We will impose no Interest Charge to your Account for your purchases and balance 

transfers if we credit you for payment of the entire New Balance shown on your Statement by the Payment Due Date.  If your payment is not 
credited to your Account by the Payment Due Date (see Section 11), or you do not pay your New Balance in full, we will impose an Interest 
Charge on the average daily balance outstanding on your Account for the number of days in your Billing Cycle.

•  Interest Charges on Cash Advances:  We will impose an Interest Charge for your cash advances (whether they are obtained by Check or Card) 

from the date the cash advance posts.   

•  Calculation of Average Daily Balance(s):  We use the average daily balance method (including current transactions) for calculating your 

average daily balance(s).  We will determine an average daily balance for each of your (1) purchase balances (including balance transfers) and 
(2) cash advance balances.  To get the daily balance for your purchase (including balance transfers) and cash advance amounts, we take the 
beginning balance of your Account each day, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new 
charges and fees, subtract any applicable portions of payments and credits, and add applicable unpaid Interest Charges from the application of 
the daily periodic rate to each day’s ending balance.  

•  Calculation of Your Interest Charge:  Your Interest Charge for the period is based on the applicable APR associated with each balance.  We 

disclose the currently effective APR in our Pricing Information Disclosure.  Portions of your Balance, however, may be subject to prior APRs.  
We calculate Interest Charges separately for your purchase (including balance transfer) and cash advance balances under each applicable 
APR.  We list each balance and the applicable interest rate in the Interest Charge Calculation section of your Statement.  We compute each 
Interest Charge by:  

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(1)  calculating the daily periodic rate, 
(2)  multiplying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that 

balance), 

(3)  multiplying each of the products in (2) by the number of days in the Billing Cycle, and 

  (4)  adding together all the products obtained in (3) to obtain your Total Interest for the period. 
•  Minimum Interest Charge:  The minimum Interest Charge, if any, imposed on your Account will be at least $1.00.  The Pricing Information 

Disclosure discloses the actual minimum Interest Charge applicable to your Account.   

b. Transaction Fees:  You will pay additional Finance Charges, called “Transaction Fees,” if incurred.  A description of these fees is included below; 

however, the actual fee for these transactions is listed in our Pricing Information Disclosure.  In the first Billing Cycle in which a Transaction Fee is 
posted, the Transaction Fee may cause the APR shown on your Statement for that Billing Cycle to exceed the nominal APR. 
•  Foreign Transaction (Foreign Currency Conversion) Fee.  MasterCard International, Inc. or Visa International, as applicable, will convert any 
charges you incur in currency other than U.S. dollars into a U.S. dollar amount under the currency conversion procedures set forth in their 
respective Operating Regulations in effect at the time the transaction is processed.  The non-U.S. dollar transaction amount is converted 
into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion or exchange rate.  
The currency conversion rate is either (1) a government-mandated rate in effect for the applicable processing date; or, (2) for MasterCard, 
a wholesale rate provided to MasterCard for the applicable processing date; or, (3) for Visa, a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives.  
The currency conversion rate is determined as of the date the transaction is processed and may differ from the rate in effect on the date the 
transaction occurred or posted to your account.  Both MasterCard and Visa charge us, as the processing bank, a percentage of the transaction 
amount.  The fee we charge you for foreign currency conversions is contained in our Pricing Information Disclosure at the end of this 
Agreement.  

•  Cash Advance Fee.  We charge you a fee for cash advances you make.  For purposes of the imposition of Cash Advance Fees, the term “cash 

advance” means a cash advance loan made to you or on your behalf through the use of a Card, but does not include purchases, the use 
of Checks, or balance transfers to your Account from credit card accounts you maintained at other financial institutions.  See the Pricing 
Information Disclosure for the amount of the fee.  

•  Balance Transfer Fee.  We charge you a fee for balance transfers you make.  For purposes of the imposition of Balance Transfer Fees, the term 
“balance transfer” means a transfer of outstanding balances from other credit cards to your Account.  See the Pricing Information Disclosure 
for the amount of the fee.

c.  Compounding of Finance Charges and Unpaid Finance Charges:  Finance Charges compound daily.  We will consolidate unpaid Finance Charges    
 and other unpaid charges into your Account balance daily.  In this way, unpaid Finance Charges and other unpaid charges from the previous day   
 will be subject to and included in the calculation of the new Finance Charge.   

7.  Rates:  Your APR and Daily Periodic Rate are based on the latest prime rate as published in the Money Rates table of The Wall Street Journal on the 
last business day of the month (the “Prime Rate”).  Your APR and Daily Periodic Rate are subject to increase (or decrease) monthly if the Prime 
Rate increases or decreases.  Your APR will be equal to the Prime Rate as published on the last business day of the preceding calendar month, 
plus an applicable margin for purchases, balance transfers and cash advances as shown on the Pricing Information Disclosure.  The APR will 
never increase above the maximum rate allowed by applicable law.  An increase in the Prime Rate, which causes the APR to increase, will result 
in an increase in the amount of the Finance Charge.  This may cause an increase in the Minimum Payment Due or cause a smaller amount of your 
payment of the Minimum Payment Due to be applied to principal.     

8. Fees: 
  Annual Fees, if any, Transaction Fees (e.g., Balance Transfer Fees, Cash Advance Fees, Foreign Currency Conversion Fees), and Penalty Fees (e.g., 

any Late Payment Fee, Over-the-Credit-Limit Fee, or Returned Payment Fee) are disclosed in our Pricing Information Disclosure.  You also agree to 
pay the following one-time fees if incurred:
a.  Expedited Card Fee (for requests of expedited delivery of Cards):  $35
b.  Document Fee (for duplicate copies of Statements and copies of charge slips or other documents not requested in connection with a billing  

 error):  $10 per Statement or item  

c.  Expedited Delivery of Payment Fees (for rush payments):

•  The fee to make payments through Western Union® Speedpay® Bill Payment Service (or similar service provider), will be disclosed to 

 you at the time you initiate payment through a Bank Customer Contact Representative. 

•  The fee to make payment transfers from one of your Bank checking or saving accounts with the assistance of a Bank Customer Contact Center  

 representative:  $3.50 

9. Changes to Rates, Fees and Terms:  We may add, delete or change any term of this Agreement at any time unless the law prohibits us from doing 

so.  We can increase your Interest Charge for new transactions and your Fees one year after your Account has been opened.   We will send advance 
notice of any changes to you at the address you have given us as required by law.  
a.  If we increase your fees, we will inform you of your options in advance, including any right you may have to opt out of some of these changes.   
 If you do opt out, we will close your line of credit to new purchases and cash advances, and we will not permit you to transfer balances to your  
 Account from another credit card account.  However, if you have failed to make the required Minimum Payment Due within 60 days after the  
 Payment Due Date for that payment, you agree that any new or changed fee(s) shall apply both to existing balances and new transactions.  
b.  Your variable APR can go up or down monthly as the index for the rate goes up or down.  If we increase your Interest Charge for any other  

 reason, we will notify you in writing; however, we will not apply any such increase to the existing balance in your Account.  

c.  If the Bank has temporarily reduced your APR in connection with a hardship arrangement, we will notify you in writing when the arrangement  

 ends and the temporary APR reverts to your prior APR.  The prior APR will then apply to your outstanding balance as well as to any new  
 transactions.  

d.  If you are a service member on special APR, we will notify you in writing, in accordance with federal regulations, when your APR reverts to your    

 prior  APR.  The prior APR will apply to your outstanding balance as well as to any new transactions.

10.  Billing Statement and Notification of Billing Error:  We will send you a periodic Billing Statement every month.  It is your responsibility to review 
the Statement and notify us promptly of any charge or item you believe to be in error or subject to dispute.  If you do not notify us of any disputed 
items within sixty (60) days after the date we send you the Statement on which the error first appears, the item(s) will be conclusively deemed as 
correct to the extent permitted by law.  You will not receive any cancelled Checks with your Statements; however, you may obtain a photocopy of 
an electronic image of any Check we have in our records that you request.  You may be required to pay a Document Fee for such copies.  (See 
Section 8 for fee).

11.  Payments and Late Payment Fee:  You can pay off your Account balance in full each month or you can pay in monthly installments.  

  a.  Crediting Your Payment:  Payments must be made to us in U.S. dollars from a U.S. deposit account and otherwise be acceptable to us.  We do  

   not accept cash payments through the mail.  We will credit your payment to your Account on the date we “receive it” as follows:   
  •  If you make your payment in person at one of our branches on a Bank business day (any day except Saturday, Sunday or a bank holiday),   

    we will credit your payment on that day if we receive your payment prior to branch closing and you provide your payment coupon with your    
    payment.  Otherwise, crediting of your payment will be delayed.  

  •  If you make your payment by mail, we must receive it at the specific address we publish on your Billing Statement.  Your payment coupon  

    must be included with the payment.  Otherwise, our receipt and crediting of your payment will be delayed.  

  •  If you make your payment at one of our ATMs on a Bank business day, we will credit your payment on that day if you make the payment prior   

    to the ATM cutoff time for that ATM and you include your payment coupon.  

  •  If you make your payment via an electronic transfer (ACH transfer, bill pay, transfer from another account, etc.), we will credit your payment  

    on the day that it posts to your Account.

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•  If our crediting of your payment is delayed because your payment is mailed to the wrong address, does not meet our branch or ATM cutoff  
 time, or does not include your payment coupon (when applicable), we will generally credit your payment to your Account the next Bank  
 business day, but no later than 5 days after we receive it.  

b.  Minimum Payment Due:  Your Minimum Payment Due is listed on your Statement and equals the lesser of: 

  •  the amount of your New Balance, or
  •  the greater of:
  •  $30, or  
  •  3% of the amount you owe, or 

         •  the sum of Finance Charges accrued since the last Billing Cycle (including Interest Charges and Transaction Fees), plus any Penalty Fees,  
             Annual Fees (if applicable), and one-time fees that have been posted to your Account, plus 1% of the amount you owe.
    Making only the Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. 

c.  Late Payment Fee:  If payment of the Minimum Payment Due amount on your Account is not credited to your Account by Payment Due Date,  

we will charge you a Late Payment Fee unless your Minimum Payment Due is less than $30, in which case we will not assess a late Payment Fee.  
(See our Pricing Information Disclosure for a description of the fee).  

d.  Returned Payment Fee:  We will charge you a Returned Payment Fee any time any payment you make to us is not paid by your financial 
institution for any reason even if that institution later pays it.  (See our Pricing Information Disclosure for a description of the fee).   

e.  Prepaid Status:  If you pay more than the Minimum Payment Due during any particular Billing Cycle, you still must pay the Minimum Payment 
Due in subsequent Billing Cycles unless we notify you that you are in “prepaid status.”  Your Account can achieve “prepaid status” if you pay at 
least twice the amount of the Minimum Payment Due but less than the New Balance, whichever is less.  Your Account can be in prepaid status 
without a payment being required for a maximum of three consecutive months.  If your Account is in prepaid status and you continue to make 
payments, the prepaid status will remain in effect until the prepaid amount is equal to or less than the Minimum Payment Due.  Your Account 
cannot be in prepaid status if your Account is in an adverse condition (delinquent, over-the-credit-limit, etc.) or if the entire Balance is due.  If 
you pay the New Balance in full or make a payment that is greater than the balance, your Account cannot be in a prepaid status and any existing 
prepaid status that may exist is cancelled.    

f.   Application of Payments:  We apply your Minimum Payment Due amount to your lower APR balances before higher ones.  We apply any portion 

of your payment in excess of your Minimum Payment Due to higher APR balances before lower ones.  

g.  Skip Payments:  We may allow you to skip a payment during certain Billing Cycles (a “payment holiday”).  If you accept a payment holiday, we 
will continue to apply Interest Charges but will not impose a Late Payment Fee.  All credit terms and provisions contained in this Agreement 
(including Minimum Payment Due and any applicable Late Payment Fee) will apply for the Billing Cycle following a payment holiday.

12.  Credit Obtained by Checks:  To obtain credit by using Checks, you must use the Checks we provide to you that are imprinted with your name and 
Account number.  You are liable and responsible for all Checks written against your Account if they are signed by anyone whom you authorized to 
do so.  We are not liable or responsible for paying postdated Checks.  We are also not liable or responsible if, due to our paying a postdated Check 
or other Check you have asked us not to pay, other Checks are dishonored or returned unpaid.  We are not liable or responsible for dishonoring 
and returning a Check unpaid if (1) payment of the Check would cause you to exceed your available line of credit, (2) because you are then in 
default under, or in breach of the terms of this Agreement, or (3) because your privileges under this Agreement have been revoked.  If, however, 
we pay any Check in our discretion that we could have properly dishonored or returned unpaid for any reason (including the above reasons), then 
you, nevertheless, agree to pay the amount of the Check.  Payment of a Check shall not constitute our waiver of amounts due and unpaid at that 
time.  

13.  Ownership of Checks and Cards:  Cards are issued by, and are the property of, First-Citizens Bank & Trust Company.  Cards and related Checks 
remain our property at all times and may be repossessed by us at any time.  We may refuse to issue or reissue you a Card or Checks, revoke 
your Card or limit Card use, and/or revoke your privileges relating to the use of Checks, without your knowledge and without notice to you.  If 
we revoke your Card or withdraw your privilege to use any Checks, and you become aware of such revocation/withdrawal, you must surrender 
to us or our agent the Card, the Checks, and any other cards or devices that may be used to access the Account.  You must not use any expired, 
revoked or otherwise invalid Card or Checks to obtain, or attempt to obtain, credit.  You must not use the Card, Checks and/or the Account for 
any illegal transactions.      

14.  Responsibility for Charges to Your Account:  We may charge your Account for any transaction authorized either by you or by any Authorized 
User.  Valid authorization for a transaction may be given (1) in writing (e.g., by signing a sales slip or cash advance slip), (2) verbally (e.g., by 
telephone), or (3) electronically (e.g., over the Internet).  If you or any Authorized User gives your Account number to any third party who uses 
that information to initiate a charge against your Account, we will consider the transaction authorized by you.    

15.  Refusal to Honor Card or Checks; Adjustments:  We are not responsible if a Merchant refuses to honor your Card or Checks.  If your Account 

requires an adjustment for goods or services purchased (a return), we will make the adjustment only to your Account and only upon our receipt of 
a properly executed credit slip.  You agree not to accept any cash refunds with respect to any adjustments for goods or services purchased.    

16.  Default:  

   a.  Each of the following constitutes an event of default:

  •  Your failure to make any payment when due and payable.
  •  Your failure to comply with any provision of this Agreement or any other agreement relating to other cards or devices that access your  

    Account.

  •  Your death or insolvency, or your making an assignment for the benefit of creditors.
  •  The filing of a petition or commencement of any other proceeding under any bankruptcy, insolvency or receivership law by or against you.
  •  Issuance of any writ, order or notice of attachment, levy or garnishment against you or any of your property, assets or income.
  •  The occurrence of an event that gives us reason to believe that your ability to pay us on time has been impaired, or that you may use your  

    Card or Checks improperly.

 b.  Our rights in the event of default:  We may, at our option and after giving you all legally required notices and rights to cure, declare all amounts   
  you owe us immediately due and payable with interest at the rate provided in this Agreement.   If this occurs, you agree to pay us, to the extent      
  permitted by applicable law, all costs of collection, including, without limitation, reasonable attorneys’ fees and expenses.  Any such attorneys’   
  fees will be added to the unpaid Balance on your Account and interest will be charged on this amount at the rate provided in this Agreement.  
  We also have the right to cancel this Agreement and take immediate possession of all Cards and Checks.

17.  Investigating Your Credit; Reporting Your Credit History:  You authorize us, at any time we feel appropriate, to obtain or conduct whatever 

credit investigation we feel is needed to evaluate your credit, personal or financial standing, and/or employment.  Upon our request, you agree to 
provide us with your current financial information.  You also authorize us to report information about your Account to consumer (credit) reporting 
agencies, and share your credit experience, including information on late payments, missed payments, or other defaults on your Account, with 
consumer reporting agencies, creditors and any others.  This information may be reflected in your credit report.      

18.  Contacting You:  To the extent permitted by applicable law, you expressly authorize us, our affiliates, our agents, and any independent contractors 
we hire to contact you in person or by using an automated device or prerecorded messaging system or any other way at any telephone number or 
other electronic device or devices we or our affiliates or agents believe will or may connect us/them with you including, but not limited to (1) cell 
phone numbers you have given to us or we may acquire by any other means, (2) text messaging, (3) email, or (4) facsimile.  

19.  Joint and Several Liability:  Each applicant who signs the Account application shall be jointly and severally liable for all loans, purchases, 

advances and balance transfers made on the Account whether by Card, Check or otherwise.  

20.  Lost/Stolen Cards or Checks:  When you discover that any Card or Check is lost, stolen or used in an unauthorized manner, you agree to notify     

 us immediately upon such discovery:

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   •  in writing:  at Bankcard Center, P.O. Box 1580, Roanoke, VA 24007-1580; or

•  by telephone:  at 1.800.543.9000.

    You agree to cooperate with us completely in our attempts to recover from unauthorized Card or Check users and to assist in the prosecution of 
such persons.  You will not be liable for any unauthorized use that occurs if you notify us promptly, either orally or in writing, of the loss, theft or 
possible unauthorized use.  In any case, your liability will not exceed $50.00.  Furthermore, your liability will not exceed the following:
•  MasterCard Card:  $0 if you report the Card lost or stolen, have exercised reasonable care in using the Card, have reported no more 
  than two occurrences of unauthorized Card use in the last 12 months, and your account is in good standing.
•  Visa Card:  $0 if you report the Card lost or stolen for all transactions made over the Visa network.

21.  Cancellation:  You may cancel this Agreement at any time by notifying us in writing and returning to us any and all Cards and/or Checks we 

have provided to you.  We may also cancel this Agreement at any time without notice except when prohibited by law.  In either case, you must 
continue to pay all amounts you owe on your Account in accordance with the terms contained in this Agreement.

22.  Notices and Statements:  Any notice or Statements we mail to the address we have for you as shown in our records for this Account shall be 

considered to have been given and received by you. 

23.  Governing Law:  This Agreement and your Account is governed by federal law and, to the extent permitted, by the laws of the State of North 

Carolina (even if you are not a resident of North Carolina) in all respects, whether in contract or in tort, including matters of construction, validity 
and performance and matters relating to terms, rates, fees and charges, but without giving effect to those principles of conflict of laws that might 
otherwise require the application of the laws of another jurisdiction.  You agree that, to the extent allowed by law, we may change the designation 
of the state whose law governs this Agreement.  You acknowledge that your Account was approved in the State of North Carolina.  

24.  Billing Rights:

FEDERAL CONSUMER PROTECTION ACT DISCLOSURE 
YOUR BILLING RIGHTS  
KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  “You” and “your” mean the cardholder; “we”, “our” 
and “us” mean First-Citizens Bank & Trust Company.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT

If you think there is an error on your statement, write to us as soon as possible on a separate sheet of paper at the address shown on the first page of 
your Statement following the words “Send Inquiries and Correspondence to:”  In your letter, give us the following information:

•  Account information:  Your name and account number
•  Dollar amount:  The dollar amount of the suspected error; and
•  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. 

If you want us to stop payment on the amount you think is wrong, you must contact us:

•  Within 60 days after the error appeared on your statement, and
•  At least three (3) business days before an automated payment is scheduled.

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.

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.  

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER

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 limit.
After we finish our investigation, one of two things will happen:

1.  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.
2. 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 ten (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:

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 the address shown on the first page of your 
Statement following the words “Send Inquiries and Correspondence to:”.  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.

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Interest Rates and Interest Charges

  Pricing Information Disclosure

Smart Option Visa

Rewards Visa 
Optimum Rewards Visa

Annual Percentage Rate
(APR) for Purchases

7.99% to 18.99%,
based on your creditworthiness 

10.99% to 21.99%,
based on your creditworthiness 

APR for Balance Transfers

This APR will vary with the market based on 
the Prime Rate.

This APR will vary with the market based on 
the Prime Rate.

0% introductory APR for the first 12 billing 
cycles following account opening on any 
balance transferred within the first 90 days 
following account opening.

0% introductory APR for the first 12 billing 
cycles following account opening on any 
balance transferred within the first 90 days 
following account opening.

After that, your APR will be 7.99% to 
18.99%, based on your creditworthiness. 
This APR will vary with the market based on 
the Prime Rate.

After that, your APR will be 10.99% to 
21.99%, based on your creditworthiness. 
This APR will vary with the market based on 
the Prime Rate.

APR for Cash Advances

21.99% to 24.99%, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date will be at least 21 days after your billing statement is mailed or delivered to you.  
•  We will not charge you any interest on purchases and balance transfers if you pay your 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 $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

Transaction Fees

•  Balance Transfer
•  Cash Advance 
•  Foreign Transaction 

Penalty Fees

$0

•  Either $5 or 3% of the amount of each transfer, whichever is greater.
•  Either $5 or 3% of the amount of each cash advance, whichever is greater.
•  2% of each transaction in U.S. dollars.

•  Late Payment
•  Over-the-Credit Limit 
•  Return Payment

•  $25 for any payment 10 days or more past due.
•  $0.
•  $25.

How We Will Calculate Your Balance:  We use a method called “average daily balance method (including current transactions).”  See 
the Consumer Credit Card Cardholder Agreement & Disclosure for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer 
Credit Card Cardholder Agreement & Disclosure.
How We Will Calculate Your Variable APRs:

•  Unless an introductory APR is in effect, we add a margin to the Prime Rate. 

•  For the Smart Option Visa, we add a margin of between 4.74% and 15.74% to the Prime Rate to determine the APR for 

Purchases and Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.

•  For the Rewards Visa and Optimum Rewards Visa, we add a margin of between 7.74% and 18.74% to the Prime Rate to 

determine the APR for Purchases and Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.

•  Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 3.25% as of 

September 30, 2014.  See the Consumer Credit Card Cardholder Agreement & Disclosure for more details.

Loss of Introductory APR: If an introductory APR is applicable to Balance Transfers, we may end your introductory APR and apply 
the post-introductory Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.
This information was printed in September 2014 and was accurate as of that date and is subject to change after that date. You 
should contact us to find out what may have changed by calling toll-free at 1.800.763.0356.

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