CREDIT CARD AGREEMENT

F03-W601-7

Introduction
YOUR CARDHOLDER AGREEMENT
This document, together with your Rates and Fees Table, and any amendments make up the contract between you, the cardmember, and Citizens Bank, N.A. Any special offers related to your Account are subject 
to this Agreement, unless explained otherwise. We will refer to this document as your “Agreement.” THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION INCLUDING A NOTICE REGARDING THE RIGHT 
TO OPT OUT.

ACCEPTANCE OF YOUR AGREEMENT
Your use of the Account or any payment on the Account indicates your acceptance of the terms of this Agreement. 

Any Cards or checks issued to you belong to us. You agree to sign each Card before you use it. You agree to return your Cards and checks to us at any time, if we ask you. When you present your Card, we, a 
merchant, or any other party acting on our behalf can retain your Card, without prior notice to you.

CHANGES TO YOUR AGREEMENT
We may change the terms of this Agreement, including but not limited to Annual Percentage Rate (APR) and fees, from time to time. We may also add new terms, delete terms, or change any benefit, service, or 
feature on your Account. We may do this in response to the business, legal or competitive environment. Our ability to make changes to this Agreement is limited by applicable law. If required by applicable law, 
we will provide notice of the change to you before the effective date of the change. We will tell you in the notice if you have the right to reject the change.

PROMISE TO PAY
We have agreed to lend you money as described in this Agreement, and you agree to pay us back together with interest charges and fees. This promise includes paying for charges you make (even if you do not 
present your Card or sign the transaction), charges that other people make if you let them use your Account, and charges that additional authorized users make or permit others to make.

REWARDS
Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with a Reward Guide containing information and terms about your rewards.

WORDS USED IN THIS AGREEMENT
“Account” means the relationship established between you and us in this Agreement.

“Card” means any one or more credit cards that we issue to you or someone else with your authorization under this Agreement.

“We,” “our” and “us” mean Citizens Bank, N.A., the issuer of your credit Card and the creditor under this Agreement, or any subsequent holder of this Agreement.

“You” and “your” mean anyone who

• applied for the Account (the “primary cardmember”),
• uses or maintains the Account, or
•  otherwise agrees to pay for the Account or be obligated under 

this Agreement.

Using your account
AUTHORIZED USERS
If you ask us to issue a Card on this Account to another person or if you allow any person to use your Account, he or she is an authorized user. You are responsible for any use of your Account by an authorized 
user. Your Account does not permit you to limit the nature or amount of authority you give to any authorized user and you will not attempt to do so. An authorized user’s authority will continue until you (i) 
notify us that you are terminating the authority and (ii) you physically retrieve any Card, checks and any other means of access to your Card. Otherwise, you will remain liable for any transactions that we cannot 
prevent.

Each authorized user’s privilege ends automatically upon the death of all of the primary cardmembers. If any person uses the Card after the privilege ends, such use indicates his or her agreement to pay us, and 
we may, at our discretion, pursue the person for payment of any balance or charge resulting from his or her use of the Card. You agree to notify each authorized user that he or she is subject to the terms of this 
Agreement.

YOUR CREDIT LIMIT
We assign a total credit limit to your Account that we agree to extend to you at any one time. The total credit limit will include a separate limit for cash advances. This information will be shown on your Account 
statement.

Your available credit will be the amount of your total credit limit, 
minus the sum of:

(i) the new balance, (ii) any purchases, balance transfers or cash advances which have been authorized but not yet posted to your Account, and (iii) the amount of any payments that have not yet cleared. We 
may change the amount of your total credit limit and the cash advance limit without prior notice to you.

You agree not to exceed any part of your total credit limit. Even if we permit transactions that exceed any part of your total credit limit, you are responsible for those transactions. If we refuse any such 
transaction, we may advise the person attempting the transaction that it has been refused and we are not responsible or liable for taking such action.

PURCHASES
You can use your Card to buy or lease goods or services. Each of these transactions is a purchase. In addition, any credit life insurance charges, payment protection plan charges, Account fees set forth below, 
and other fees that are charged to your Account (except cash advance transaction fees) are treated as purchases and will be subject to the interest rate for purchases.

BALANCE TRANSFERS
We may, at our sole option, allow you to pay an amount you owe on an account you have with other creditors. This is called a balance transfer. We may pay the balance transfer amounts you have authorized up 
to your total credit limit, unless otherwise limited by the terms of the balance transfer. Balance transfers may not be used to make payments on accounts issued or held by us or our affiliates. 

When you make a balance transfer, we will charge interest beginning on the transaction date, as described in more detail in the section Annual Percentage Rate and Interest. We will also charge you a transaction fee 
as described in your Rates and Fees Table. The transaction fee will accrue interest at the APR for purchases. Balance transfers and balance transfer transaction fees may also be subject to promotional, special or 
additional terms. Such terms will be included as part of your Agreement.

CASH ADVANCES
A Cash Advance means the use of your Account for a loan in the following ways: 

1) Obtaining cash from a financial institution or an ATM:

You can use your Card to obtain cash advances from any financial institution that accepts your Card and processes the transaction. The minimum amount of any cash advance you can obtain from a financial 
institution in one day is $20 and the maximum amount is $3,000 or the available amount of your cash advance limit, whichever is less. 

You can also use your Card and personal identification number (PIN) to get a cash advance from any automated teller machine (ATM) that accepts your Card. The total amount of cash advances you can obtain 
from ATMs in one day is $500 or the available amount of your cash advance limit, whichever is less. We or the operators of ATMs may place additional limitations and requirements on cash advances you may 
obtain from ATMs.

Authorization for cash advances over a certain dollar amount or number may be refused under certain circumstances even though you have available cash. These restrictions may be for security or other reasons, 
such as the ATM or other electronic authorization system not working properly.

2) Convenience Checks:

A convenience check is any check we provide to you for accessing your account to obtain credit. A convenience check transaction is a cash advance. Convenience checks may not be used to make payment 
on any account issued or held by us or our affiliates. Convenience checks may be subject to promotional, special or additional terms, which are included as part of your Agreement. 

We may pay the amount you have authorized up to your available credit limit, unless otherwise changed by the terms of the offer. We reserve the right to put conditions on the use of these checks and 
to reject, decline and return unpaid any check at our discretion. If we decline a check, you may have to pay returned check fees or other penalties to whomever you wrote the check. If you ask us to stop 
payment on a check, you will be charged a stop payment fee. If you transfer a balance using a convenience check, that transaction will be treated like any other convenience check transaction, unless we 
tell you otherwise. We do not certify or return these checks. Convenience checks may include an expiration date printed on the check. We will honor checks received for payment before the expiration date 
printed on the check, provided your account is open and in good standing, with available credit.

3) Purchasing a Cash Equivalent:

You may use your Card to enter into a cash equivalent transaction. This includes purchasing travelers checks, savings bonds, foreign currency, money orders, wire transfers, lottery tickets, gift cards, 
gambling chips or wagers, or similar products or services as determined by us.

When you obtain a cash advance we will charge interest beginning on the transaction date, as described in more detail in the section Annual Percentage Rate and Interest. We will also charge you a 
transaction fee as described in your Rates and Fees Table. The transaction fee will accrue interest at the APR for cash advances.

FOREIGN TRANSACTION/CURRENCY CONVERSION
If a foreign transaction fee applies to your Account, we will charge you a fee for transactions that are conducted in a currency other than U.S. Dollars. This includes, for example, online or phone purchases 
where the transaction is conducted in a currency other than U.S. Dollars. This fee is calculated on the U.S Dollar amount of the 

transaction. The transaction fee is an interest charge that will accrue interest at the APR for purchases.

Our network providers (e.g., Mastercard) convert transactions in foreign currencies into U.S. dollars. The type of card you have determines who does the conversion. Each network provider follows its own 
procedures, which it may change from time to time without notice to you at its discretion.

The exchange rate will be determined using either the range of rates available in the wholesale currency markets for the processing date or a government- mandated rate in effect on that date. The exchange 
rate used by our network providers may differ from the rate on the date of your transaction. You agree to accept and pay the U.S. Dollar amount converted from a foreign currency as provided in this section. 
We will deduct the applicable fees from this amount. This means that the amount of the credit may be different from the amount that was originally charged to your Account for the transaction.

ALLOWED USE
You agree to use your Account only for lawful purposes. You agree not to make or allow to be made any transactions which are illegal under any state or federal law. We may decline to approve any 
transaction which we reasonably believe is illegal under any state or federal law.

Your billing statement and making payments
BILLING STATEMENTS
We will send you a billing statement each month that you have a credit or debit balance of more than $1, when an interest charge has been imposed, or when there has been activity in your Account, unless 
we deem your Account uncollectible or delinquency collection proceedings have been instituted against you. In our discretion, we may choose to send you a statement even if you do not have a credit or 
debit of $1 or more.

Your statement will show the total amount that you owe us as of the end of the last billing cycle. It will also show the minimum payment you must make to us by the stated due date.

NOTIFYING US IF YOU FIND A MISTAKE
Unless you notify us in writing within 60 days of receipt, your billing statement will be deemed to be correct.

HOW TO MAKE A PAYMENT
Payments may be mailed to the address shown on your billing statement. Payments made by mail must be accompanied by the return portion of your statement. Payments must be made in U.S. 
Dollars drawn on a federally-insured depository institution located in the U.S. You authorize us to collect any payment check either electronically or by draft.

In addition to accepting payments by mail, we may permit you to make payments by electronic means, including by telephone or Internet, subject to any terms we may impose on these alternative 
methods of payment, including charging an expedited service fee of which we will inform you at that time. Also, we may permit you to make payments in person at one of our branches.

HOW WE CREDIT PAYMENTS
Payments received at the address shown on your billing statement before 5:00 P.M. Eastern Time will be credited by us for that day. Payments received after this time will be credited for the next business 
day. If your payment due date is on a day on which we do not receive mailed payments, a mailed payment received on the next business day will not be treated as late.

If you do not use one of the ways to make payments stated in this Agreement, the return portion of your statement is damaged and we are unable to identify your Account, or you do not comply with the 
payment requirements stated on your statement, crediting of your payments may be delayed up to 5 days or your payment may be rejected.

If a payment is received in person at one of our branches before the actual time of closing of the branch at which the payment is made, it will be credited by us for that day.

MINIMUM PAYMENT
You must pay at least the minimum payment due by the payment due date. You may pay the entire amount you owe us at any time. The minimum payment due and payment due date are shown on each 
billing statement. You also agree to pay amounts in excess of your credit limit when billed to your monthly statements or sooner if we ask. If you do not pay the minimum payment by the due date, we may 
charge you a late payment fee.

HOW WE CALCULATE THE MINIMUM PAYMENT
If your new balance is $30 or less, your minimum payment will be the new balance. Otherwise, it will be the greater of (i) $30; or (ii) equal to the total billed Interest charges (excluding transaction fees for 
balance transfers, cash advances, foreign transactions, and cash equivalents), and any billed late payment fees and 1% of the new balance.

Any amount past due and any amount over your total credit limit or cash advance limit may be added to the minimum payment. Your minimum payment, exclusive of interest charges, will be rounded to the 
nearest whole dollar. We may change your minimum amount due including increasing your minimum amount due subject to applicable law.

If you exercise your right to cancel contained in a change-in-terms notification, we may increase your minimum amount due. We may require (i) a method in which the minimum periodic payment includes 
a percentage of the outstanding balance that is twice the percentage required before the increase or (ii) a method which incorporates an amortization period of not less than 5 years. We may also choose a 
method that is no less beneficial to you than the other two methods previously described.

HOW PAYMENTS ARE APPLIED
Payments less than or equal to the minimum amount due will be applied in any order that we shall from time to time choose. Generally, payments less than or equal to the minimum amount due 
are applied to introductory, promotional or low rate balances before we apply payments to balances that are subject to standard or higher rates, regardless of when the transaction is made. Any 
amount of your payments that is greater than the minimum amount due will be applied first to balances with the highest APR, and then to each successive balance with the next highest APR, until the 
payment is exhausted.

RESTRICTIVE ENDORSEMENTS
Any conditional check, money order or any other instrument tendered with a restrictive endorsement or as a full satisfaction of a disputed debt must be sent to our address for billing error notices shown on 
each statement and must conspicuously state on the face of that payment or in an accompanying letter that it is tendered for this purpose. If you make payment in any other way and we accept it, we will not 
have waived our right to collect any amount from you owed under this Agreement.

Annual percentage rate and interest

ABOUT YOUR ANNUAL PERCENTAGE RATES
The APR or “annual percentage rate” is an annualized interest rate. Different APRs apply to different balances (called transaction types) on your Account, such as the balances on purchases, balance transfers 
and cash advances.

Your APRs may be either fixed or variable. Your Rates and Fees Table and your statement disclose whether you have fixed or variable rates. If an APR is variable, it may vary monthly as the Index rate 
changes and will be reset on the first day of each billing cycle. The Index rate is described in your Rates and Fees table. If the Index increases, the variable APRs will increase. Any increase in your APRs will 
apply to all unpaid purchases, balance transfers and cash advances (regardless of the transaction date), will increase the interest charge and may increase the minimum payment.

HOW WE CALCULATE INTEREST
In General. We calculate the interest charge separately for each transaction type (purchases, balance transfers, and cash advances) as well as for any applicable promotional rate. This means that your 
Account may have separate balances for each transaction type. The total interest charged for a billing cycle is the sum of the interest charged for each balance.

We use the average daily balance (including new purchases) method, which means we calculate a daily balance for each type of transaction and use the daily balances to determine your interest charges. 
According to this method, we calculate the interest charge for each balance by

• applying the “daily periodic rate” to the “average daily balance” and
• multiplying the result by the number of days in the billing cycle.

WE CALCULATE ITS COMPONENTS IN THE FOLLOWING WAY:
The “daily periodic rate” is a daily interest rate. The daily periodic rate for each transaction type is equal to the APR for that transaction type divided by 365.

To get the “average daily balance” for each transaction type we add up the daily balances and then divide the result by the total number of days in the billing cycle. If any day’s daily balance is a credit balance, 
we will treat it as a balance equal to $0.00.

We calculate the “daily balance” by

• taking the “beginning balance” of the day,
• adding any new charges and applicable fees,
•  except for the first day of the billing cycle, adding the amount of any interest equal to the prior day’s daily balance multiplied by the daily periodic interest rate, and
• subtracting any payments or credits.

The “beginning balance” for the first day of the billing cycle is generally the ending balance for the prior billing cycle, including unpaid interest. For the rest of the billing cycle, the beginning balance is the 
prior day’s daily balance.

The addition of the prior day’s interest to the daily balance calculation causes interest to compound daily. We may, at our discretion, round these amounts, subject to any restrictions under applicable law.

MINIMUM INTEREST CHARGE
If any interest charge is due, we will charge you at least the minimum interest charge shown on your Rates and Fees Table.

HOW TO AVOID INTEREST CHARGES
You can avoid interest charges on purchases if you pay your entire balance by the payment due date every month. You will not pay interest for an entire billing cycle (“interest-free period” or “grace period”) 
on new purchases and fees if you paid the entire balance by the payment due date on your previous billing statement. The interest-free period or grace period is the time when you are not charged interest on 
new purchases and fees. We will not charge you interest on any portion of a purchase balance you repay while that balance is subject to an interest-free period. The payment due date will be at least 21 days 
from the statement date. To maintain the interest-free period, you must continue to pay your entire balance every month.

You will lose your interest-free period if, at any time, you pay less than the entire balance shown on your billing statement. If you lose your interest-free period, the unpaid 
balance for purchases will be charged interest beginning on the following month’s billing statement date and will continue to be charged until payment in full is credited to your 
Account. However, if you lose your interest-free period, beginning on the following 
month’s billing statement date; new transactions will be charged interest from the 
transaction date. The transaction date for purchases is the day you make the purchase as shown on your statement.

Once the interest-free period is lost, you may owe interest charges even if you pay the entire balance stated on your most recent billing statement by the due date. This occurs because, interest continues to 
accrue every day on the balance shown on your most recent statement until your payment in full is credited to your Account. The interest charged from the date of the billing statement until the payment is 
credited to your Account will be included in your next billing statement.

There is no interest-free period for cash advance or balance transfer transactions. You will pay interest on cash advance and balance transfer transactions starting on the transaction date until you pay the 
entire amount in full. The transaction date for balance transfers is the day you make the balance transfer as shown on a statement. The transaction date for cash advances and related cash advance fees is the 
day you receive the cash advance.

MILITARY LENDING ACT INFORMATION
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the 
Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit 
insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation fees for a credit card account). To hear the Military Lending Act Information, call 866-999-6336.

Default
YOU ARE IN DEFAULT IF ANY ONE OF THE FOLLOWING EVENTS HAPPEN
• you fail to make any payment when it is due;
• you have exceeded one or more of your credit limits;
• you provide us false, misleading, or fraudulent information;
• we become aware that you are using your Card for illegal or fraudulent purposes;
•  you fail to comply with any term of this Agreement or other agreements with us or any of our affiliated banks;
•  you are not paying your debts as they become due or you are bankrupt or insolvency proceedings are filed against you;
• a payment you made is rejected or cannot be processed;
• you die or are legally declared incompetent or incapacitated; or
•  we otherwise reasonably believe that you may be unwilling or unable to pay your debts on time.

OUR RIGHTS IF YOU ARE IN DEFAULT
We may reduce your total credit limit and/or your cash credit limit, increase your minimum payment, close your Account or suspend or terminate credit privileges if you are in default. We may, to the extent 
permitted by law, demand immediate payment of the total balance.

PENALTY APR RATE FOR NEW TRANSACTIONS
We may apply the penalty APR rate to new transactions if you:

• Do not pay at least the minimum payment due by the payment due date;
• Make a payment that is returned;
• Go over your credit limit; or
• Do any of the above on another account that you have with us.

Please refer to your Rates and Fees Table to determine if a penalty APR rate applies to your Account. If the penalty APR rate is triggered, we will provide notice to you as required by applicable law. This rate 
may apply indefinitely.

PENALTY APR RATE FOR EXISTING BALANCES
If we do not receive your minimum payment due within 60 days of the due date we may apply the penalty APR rate to all your existing balances and all future balances.

Please refer to your Rates and Fees Table to determine if a penalty APR rate applies to your Account. If the penalty APR rate is triggered, we will provide notice to you as required by applicable law. If for 
6 consecutive billing cycles following the cycle in which the penalty APR rate is imposed, you make all required minimum payments by their payment due dates, we will reinstate your APR on purchases, 
balance transfers and cash advances.

COLLECTION COSTS
If you are in default, we may refer your Account for collection or take any other actions permitted by this Agreement or applicable law. If we do, you agree to pay the reasonable fees and expenses of our 
collection agency or other person collecting your Account, as permitted by law, including reasonable attorneys’ fees and alternative dispute resolution costs.

NEW HAMPSHIRE RESIDENTS: If you prevail in any action, suit or proceeding we bring or in an action you bring in connection with this Agreement, reasonable attorneys’ fees shall be awarded to you. If you 
successfully assert a pertinent defense, set off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorneys’ fees as the court 
deems appropriate.

WEST VIRGINIA RESIDENTS: Reference to the payment of attorneys’ fees and court costs in the terms of this Agreement is void.

Account fees
The following fees may be assessed on your Account (these are considered Account fees). If any fee in your Rates and Fees Table is marked none, the section of this Agreement that relates to that fee does 
not apply. Unless we tell you otherwise, all Account fees are treated as purchases (except that transaction fees for a cash advance are treated as a cash advance).

CARD REPLACEMENT FEE
If we replace a stolen, lost or damaged Card, we may charge your Account a Card replacement fee of $10. We may charge additional fees for expedited or overseas delivery of your replacement Card.

COPY FEE
We may charge your Account a copy fee of $5 for each page of photocopy of any sales slip or other record of your Account plus $30 per hour for the time it takes our employees or agents to make the 
copies, to the extent permitted by law.

STOP PAYMENT FEE
We may charge your Account a stop payment fee of $29 when you request that we stop payment of a check you have requested (including balance transfer checks and other checks that access your 
Account). You may make a stop payment request by calling us or by writing to us. We will accept a stop payment request provided that we receive the stop payment notice in a reasonable time before 
we have accepted, paid in cash, made final payment on or otherwise become obligated to pay such check, except to the extent otherwise required by applicable law. Stop payment requests will remain 
in effect for six months unless renewed in writing or by calling us before the expiration of the 6-month period.

LATE PAYMENT FEE
We may charge your account a late payment fee if we do not receive your minimum payment by the payment due date. Your late payment fee is $27 for the first occurrence and up to $38 for additional 
occurrences during the next six billing cycles. In no event will your late payment fee exceed the minimum payment.

ANNUAL MEMBERSHIP FEE
Please refer to your Rates and Fees Table to determine if an annual membership fee applies to your Account and, if applicable, the amount of the fee.

BALANCE TRANSFER TRANSACTION FEE, CASH ADVANCE TRANSACTION FEE, FOREIGN TRANSACTION FEE
Please refer to your Rates and Fees Table (or if relevant, a special offer) to determine the amount of this fee. 
Closing an account

HOW TO CLOSE YOUR ACCOUNT
You may close your Account by calling us or writing to us. If there are multiple primary cardmembers on your Account, any one of you may close your Account at any time. We may immediately close your 
Account after we receive such a request, without giving notice to other cardmembers on your Account. You agree that you will not hold us responsible for any costs, damages or inconvenience you suffer as 
a result of the closing of your Account by any cardmember on your Account.

WHEN WE MAY CLOSE YOUR ACCOUNT
Even if you are not in default, we may, at any time: (i) reduce your total credit limit and/or cash advance limit; (ii) close your Account; (iii) cancel or suspend your privileges to make further purchases and 
balance transfers or obtain cash advances; or (iv) cancel or suspend any Account privileges or benefits. We can also reissue a different card to you at any time.

WHAT YOU MUST DO WHEN YOUR ACCOUNT IS CLOSED
When your Account is closed, you must contact anyone authorized to charge transactions to your Account, such as internet service providers, health clubs or insurance agencies. Those transactions may 
continue to be charged to your Account until you change the billing. Also, if we believe that you have authorized a transaction or are attempting to use your Account after you have requested to close the 
Account, we may allow the transaction to be charged to your Account and you will be responsible for payment under the terms of this Agreement.

WHAT HAPPENS WHEN YOUR ACCOUNT IS CLOSED
If you close your Account, or we close your Account, you may not make any further purchases and balance transfers or obtain cash advances. If you use your card after closing your Account and we extend 
credit as a convenience to you, you remain responsible for paying those charges. If we or you close your Account, we may, at our option, require you to pay the entire balance of your Account at once 
or permit you to pay the balance in monthly payments as provided in this Agreement or otherwise, as we determine. Other Account fees, such as a late payment fee, will apply as applicable. If an annual 
membership fee applies and you close your Account after the annual membership fee is billed, we will remove the fee from your Account, provided your Account is closed within 30 days after we mailed your 
statement on which the fee was charged to your Account. You may pay any balance due on your Account at any time.

Other important information
HOW TO CONTACT US
Unless we tell you otherwise, you can contact us by phone: TOLL FREE 1-800-426-1114 or in 
writing: Credit Card Services – Customer Service, P.O. Box 7092, Bridgeport, CT 06601. When writing, please include your name, address, home phone number, and Account number.

A telephone call will not preserve your rights under federal law.

CHANGING YOUR BILLING ADDRESS
We will send statements and notices to your last known address. You promise to notify us promptly of any change in your address by following the notification method provided in the How to Contact Us 
section. If you have more than one Account, you need to notify us separately for each Account.

MULTIPLE CARDMEMBERS
If there are two or more cardmembers obligated under this Agreement, we can send statements and notices to any one. Any notice we mail to an address provided by any of you for the Account will serve 
as notice to all of you. Each cardmember obligated under this Agreement is jointly and severally liable for all amounts charged to the Account regardless of which cardmember incurred the charges to the 
Account.

WE MAY CONTACT YOU
You authorize us (and our affiliates, agents and contractors) to contact you at any number you provide to us, from which you call us, or at which we believe we can reach you, and that we may contact you 
for any reason, including regarding any request you make for a loan or other product, to service or collect on every account you currently have with us or may have with us in the future and regarding any 
other products or services we are providing to you or which we provide to you in the future. You authorize us to contact you in any manner, including by means of automated dialing devices, prerecorded 
messages, wireless push notifications, or text messages, even if you are charged for receiving the communication and even if you will receive the communication on a mobile or wireless device. You agree 
that such calls are not unsolicited and that we may monitor and/or record them. You also agree to receive emails from us to any address where we reasonably believe that we may contact you.

CREDIT INFORMATION
You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and 
income. We will use such information for any purposes, subject to applicable law.

We may report information about your Account to credit bureaus. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit 
report. We may report Account information in your name and the names of authorized users. If you believe we have furnished inaccurate or incomplete information about you or your Account to a credit 
reporting agency, write to us at: Disputes, P.O. Box 7092, Bridgeport, CT 06601. Please include your name, address, home phone number and Account number, and explain what you believe is inaccurate or 
incomplete with supporting information.

INFORMATION SHARING
You authorize us to share information about you and your Account with affiliates and third parties, unless the law or our Privacy Notice prohibits us from doing so. Please see our Privacy Notice for your 
choices about information sharing. This includes information we get from you and others. It also includes information about your transactions with us.

UNAUTHORIZED USE
If you notice the loss or theft of your Card or possible unauthorized use of your Card, you should immediately call us TOLL FREE at 1-800-443-0164. You will not be liable for any unauthorized use that occurs 
after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, if there is unauthorized use of your Card, your liability will not exceed $50.

IF YOUR ACCOUNT HAS A CREDIT BALANCE
You may request a refund of credit balances at any time by writing. If you don’t request a refund, we will apply credit balances to new transactions unless a refund is required by law. If you have a credit 
balance that is less than $1,000 or such other amount as we may determine, you may be able to request a refund over the telephone.

EVENTS BEYOND OUR CONTROL
Except as otherwise required by applicable law, we are not responsible and will incur no liability to you for any failure, error, malfunction or any delay in carrying out any of our obligations under this 
Agreement if any such failure, error, malfunction or delay results from causes beyond our reasonable control.

NO LIABILITY FOR REFUSAL TO HONOR
We are not liable for any refusal to honor your Account. This can include a refusal to honor your Card or Account or any check written on any transaction on your behalf. We are not liable for any retention of 
your Card by us, any other financial institution, or any provider of goods or services.

NO RESPONSIBILITY FOR UNAUTHORIZED ACCESS OR INQUIRIES
We are not responsible for unauthorized inquiries about your account or access to your Account information. You agree that so long as we are in compliance with applicable law and regulation that we will 
not be responsible or liable for the release of information to anyone who has gained access to your Account or Account information.

GOVERNING LAW
This Agreement and use of your Account are governed by federal law. To the extent that federal law does not govern, Connecticut law will apply, no matter where you live or use your Account. We accept this 
Agreement in Connecticut. Decisions about granting credit to you are made in Connecticut and all credit extended under this Agreement is extended by us from Connecticut.

SEPARATION OF INVALID PROVISIONS
If any part of this Agreement becomes invalid under applicable law, the remainder of this Agreement will remain valid and in effect. If your Account is subject to a law setting maximum loan rates, fees or 
charges which is finally interpreted so that the charges on your Account would exceed permissible limits, then any such charge will be reduced (including retroactively) to permitted limits and any amount 
collected from you exceeding those limits will be refunded to you.

OUR RIGHT TO DELAY ENFORCEMENT
We can delay enforcing any of our rights under this Agreement without losing any of them.

ASSIGNMENT
We may, at any time and without notice to you, sell, assign or transfer your Account, any amount due in your Account, this Agreement or our rights and obligations under your Account or this Agreement 
to any person or entity. The person or entity to whom we make any such sale assignment or transfer is entitled to all of our rights and is subject to all of your obligations under this Agreement, to the extent 
sold, assigned or transferred.

ARBITRATION AGREEMENT
If you are a Covered Borrower, as defined by the Military Lending Act, the arbitration provisions set forth in this section do not apply to you.

This section constitutes the Arbitration Agreement between you and us.

READ THIS SECTION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL DISPUTES BETWEEN YOU AND US ARE RESOLVED. If you do not opt out, for a dispute subject to 
arbitration, neither you nor we will have the right to: (1) have a court or a jury decide the dispute; (2) engage in information-gathering (discovery) to the same extent as in court; (3) participate in 
a class action in court or in arbitration; or (4) join or consolidate a claim with claims of any other persons. Arbitration procedures are simpler and more limited than rules applicable in court. The 
decision of the arbitrator is generally final and binding.

You have the right to cancel or opt out of this Arbitration Agreement as set forth below.

SPECIAL DEFINITION OF “WE,” “US” AND “OUR”
Solely for purposes of this Arbitration Agreement, the terms “we,” “us” and “our,” in addition to the meanings set forth in this Credit Card Agreement (the “Card Agreement”), also refer to our employees, 
officers, directors, parents, controlling persons, subsidiaries, affiliates, successors and assigns.

BINDING ARBITRATION
If you have a dispute with us, and we are not able to resolve the dispute informally, you and we agree that upon demand by either you or us, the dispute will be resolved through the arbitration process as set 
forth in this part. A “claim” or “dispute,” as used in this Arbitration Agreement, is any unresolved disagreement between you and us, arising from or relating in any way to the Card Agreement (including any 
renewals, extensions, addendums or modifications), the credit relationship between us, or relating to any reward program, feature, or benefit. It includes any disagreement relating in any way to services, 
accounts or any other matters; to your use of any of our banking facilities; or to any means you may use to access your account(s). Any claims or disputes arising from or relating to the advertising of our 
services, the application for, or the approval or establishment of your Account are also included. Claims are subject to arbitration, regardless of what theory they are based on, whether they seek legal or 
equitable remedies, or irrespective whether they are common law or statutory (federal or state) claims. Arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently 
exist, or may arise in the future. Disputes include disagreements about the meaning, application or enforceability of this Arbitration Agreement.

TRIAL WAIVER
YOU AGREE THAT YOU AND WE ARE WAIVING THE RIGHT TO A JURY TRIAL AND TRIAL BEFORE A JUDGE IN A PUBLIC COURT. As the sole exception to this Arbitration Agreement, you and we retain 
the right to pursue in small claims court (or an equivalent state court) any dispute that is within that court’s jurisdiction, so long as the disputes remain in such court and advance only an individual claim 
for relief. If either you or we fail to submit to binding arbitration of an arbitrable dispute following lawful demand, the party so failing shall bear all costs and expenses incurred by the other in compelling 
arbitration.

CLASS ACTION AND CLASS ARBITRATION WAIVER
NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR AGAINST OTHERS IN ANY COURT ACTION OR ARBITRATION, OR TO INCLUDE IN ANY COURT ACTION 
OR ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A CLASS, OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY 
GENERALCAPACITY, UNLESS THOSE PERSONS ARE JOINT ACCOUNT BORROWERS OR BENEFICIARIES ON YOUR ACCOUNT. This is so whether or not the claim has been assigned.

ARBITRATION PROCEDURES
You or we may submit a dispute to binding arbitration at any time, regardless of whether a lawsuit or other proceeding has been previously commenced.

Each arbitration, including the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or JAMS according to such forum’s rules and procedures. You may obtain a 
copy of the arbitration rules for these forums, as well as additional information about initiating arbitration by contacting these arbitration forums:

American Arbitration Association
1-800-778-7879 (toll-free)  |  website: www.adr.org

JAMS
1-800-352-5267 (toll-free)  |  website: www.jamsadr.com

In the event that JAMS or the AAA is unable to handle the dispute for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties pursuant to the AAA 
rules of procedure; or, if the parties cannot agree, selected by a court in accordance with the Federal Arbitration Act (Title 9 of the United States Code) (“FAA”). To the extent that there is any variance between 
the selected forum’s rules and this Arbitration Agreement, this Arbitration Agreement shall control.

If you initiate the arbitration, you must notify us in writing at Credit Card Services – Arbitration, P.O. Box 7092, Bridgeport, CT 06601. If we initiate the arbitration, we will notify you in writing at your last 
known address in our file.

The arbitration shall take place in the federal judicial district in which you reside, unless the parties agree to a different location in writing. Arbitrators must be members of the state bar where the arbitration 
is held, with expertise in the substantive laws applicable to the subject matter of the dispute. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results thereof, 
except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation.

The arbitrator will follow applicable substantive law to the extent consistent with the FAA. The arbitrator will give effect to the applicable statutes of limitation and will dismiss barred claims. In addition, you or 
we may submit a written request to the arbitrator to expand the scope of discovery normally allowable. At the timely request of either you or us, the arbitrator must provide a brief written explanation of the 
basis for the award. A judgment on the award may be entered by any court having jurisdiction.

You and we agree that in our relationship arising from this Card Agreement:

(1)  the parties are participating in transactions involving interstate commerce;
(2)  the arbitrator shall decide any dispute regarding the enforceability of this arbitration agreement; and (3) this Arbitration Agreement and any resulting arbitration are governed by the provisions of the FAA, 

and, to the extent any provision of that act is inapplicable or unenforceable, the laws of the state that govern the relationship between you and us.

No arbitrator shall have authority to entertain any dispute on behalf of a person who is not a named party, nor shall any arbitrator have authority to make any award for the benefit of, or against, any person 

who is not a named party.

ARBITRATION COSTS
The party initiating the arbitration (or appeal of the first arbitration award) shall pay the initial filing fee. If you file the arbitration and an award is rendered in your favor, we will reimburse you for your filing 
fee. If there is a hearing, we will pay the fees and costs for the first day of that hearing. All other fees and costs will be allocated in accordance with the rules of the arbitration forum. However, we will advance 
or reimburse filing and other fees if the arbitrator rules that you cannot afford to pay them or finds other good cause for requiring us to do so; or if you ask us in writing and we determine in good faith 
there is justifiable reason for doing so. Each party shall bear the expense of their respective attorneys, experts, and witnesses and other expenses, regardless of who prevails, but the arbitrator will have the 
authority to award attorneys and expert witness fees and costs to the extent permitted by either the Card Agreement, the forum’s rules or applicable law.

ARBITRATION AWARD AND APPEAL
The arbitrator’s award shall be final and binding on all parties, except for any right of appeal provided by the FAA. However, any party can, within 30 days after the entry of the award by the arbitrator, appeal 
the award to a three-arbitrator panel administered by the forum. The panel shall reconsider anew all factual and legal issues, following the same rules of procedure and decide by majority vote. Reference in 
this Arbitration Agreement to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with the above paragraph 
entitled “Arbitration Costs.” Any final decision of the appeal panel is subject to judicial review only as provided under the FAA.

SEVERABILITY AND SURVIVAL
If any part of this Arbitration Agreement, other than the Class Action Waiver, is deemed or found to be unenforceable for any reason, the remainder shall be enforceable. The Class Action Waiver is non-
severable, if deemed or found to be unenforceable for any reason, the whole Arbitration Agreement shall be void and null. This Arbitration Agreement shall survive the closing of your Account and the 
termination or modification of any relationship between us.

NOTICE AND CURE; SPECIAL PAYMENT
Prior to initiating an arbitration, you may give us a written Claim Notice describing the basis of your claim and the amount you would accept in resolution of the Claim, and a reasonable opportunity, not 
less than thirty (30) days, to resolve the claim. Such a Claim Notice must be sent to us by certified mail, return receipt requested, at Credit Card Services – Arbitration, P.O. Box 7092, Bridgeport, CT 06601. 
This is the sole and only method by which you can submit a Claim Notice. If (i) you submit a Claim Notice in accordance with this paragraph on your own behalf and not on behalf of any other party; (ii) you 
cooperate with us by promptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you request; and (iv) the matter then proceeds to arbitration and the arbitrator 
subsequently determines that you are entitled to such relief (or greater relief), you will be entitled to a minimum award of at least $3,000 (not including any arbitration fees and attorneys’ fees and costs 
to which you will also be entitled). You should address all claims you have in a single Claim Notice and/ or a single arbitration. Accordingly, this $3,000 minimum award is a single award that applies to all 
claims you have asserted or could have asserted in the arbitration, and multiple awards of $3,000 are not contemplated.

COLLECTION COSTS
Except where prohibited by law, if we take court action or commence an arbitration proceeding against you for collection after you default, or if you elect arbitration of a collection action we have brought 
against you in court, you will also be liable for court or arbitration costs, other charges or fees, and reasonable attorneys’ fees, should we prevail in such court action or arbitration.

RIGHTS PRESERVED
This Arbitration Agreement does not prohibit you or us from exercising any lawful rights or using other available remedies to preserve, or obtain possession of property; exercise self-help remedies, including 
setoff rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction.

RIGHT TO CANCEL OR OPT OUT OF THIS ARBITRATION AGREEMENT
You may opt out of this Arbitration Agreement to resolve any claim or dispute by arbitration. To opt out of this Arbitration Agreement, you must send us written notice of your decision within forty-five (45) 
days of the opening of your Account or of receiving the Arbitration Agreement for the first time. Such notice must clearly state that you wish to cancel or opt out of the Arbitration Agreement section of this 
Card Agreement. It should include your name, address, Account name, Account number and your signature and must be mailed to Credit Card Services – Arbitration, P.O. Box 7092, Bridgeport, CT 06601. 
This is the sole and only method by which you can opt out of this Arbitration Agreement. Your exercise of the right to opt-out will not affect any remaining terms of this Card Agreement and will not result in 
any adverse consequence to you or your Account. You agree that our business records will be final and conclusive evidence with respect to whether you cancelled or opted out of this Arbitration Agreement 
in a timely and proper fashion.

Your billing rights – keep this document for future use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

If you think there is an error on your statement, write to us at Credit Card Services – Disputes, P.O. Box 7092, Bridgeport, CT 06601-3211.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT

In your letter, give us the following information:

• 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 3 business days before an automated payment is scheduled. If you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

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

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 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 to not 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. (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: Credit Card Services – Disputes, P.O. Box 7092, Bridgeport, CT 06601-3211.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. At that point, if we think you owe an amount and you 
do not pay, we may report you as delinquent.

© Citizens Bank, N.A. 2017
CS#CDAD2057C_597941

Rev 8/17 
CHA - 8/17 

. 

Annual Percentage 
Rate (APR) for Purchases 

APR for Balance 
Transfers 

APR for Cash Advances 

Penalty APR and When 
It Applies 

Paying Interest 

Rates and Fees Table 

Interest Rates and Interest Charges 

12.99% to 22.99%. This APR will be based on your creditworthiness and 
will vary with the market based on LIBOR.* 
Introductory APRs with varying durations may be available on some accounts.

12.99% to 22.99%.  This APR will be based on your creditworthiness and will 
vary with the market based on LIBOR* 
Introductory APRs with varying durations may be available on some accounts.

24.49%.   
This APR will vary with the market based on LIBOR.* 
Up to 29.99%. 
This APR may be applied to your account if you: 
    (1) Fail to make  the minimum payment by the payment due date; 

    (2) Exceed your Cash Advance Limit or  your Total Credit Limit; 
    (3) Make a payment that is returned or dishonored. 

How Long Will the Penalty APR Apply? If your APRs are increased due to 
 any default (as described above), the Penalty APR may apply indefinitely. 

Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on Purchases if you pay your entire balance by the due date of 
each month. You will pay interest on Cash Advances, Balance Transfers and 
Convenience Checks from the transaction date.

Minimum Interest Charge 

If you are charged interest, charge will be no less than $1.50 

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 

Annual Fee 

NONE 

Fees 

Transaction Fees 

  - Balance Transfer 

Either $10 or 3% of the amount of each transfer, whichever is greater. 

   - Cash Advance 

Cash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3% 
of the amount of each advance, whichever is greater. 

Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, 
whichever is greater  

  - Foreign Transaction 

Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater 

Penalty Fees 
 - Late Payment 
 - Returned Payment   
 - Over-the-Credit Limit 

Up to $38 
NONE 
NONE 

How we will Calculate your Balance: We will use the method called "average daily balances (including new 
purchases)." See Cardholder Agreement for more details. 

Loss of Introductory APR: We may end your Introductory APR and Apply the Penalty APR if you make a late payment. 

*Your APR for Purchases and Balances Transfers may vary monthly and will be reset on the first day of each billing cycle
by adding the index to a margin of 10.24%-20.24% percentage points. The APR for Cash Advances is determined 
monthly by adding the index to a margin 21.74% percentage points. The Index is determined monthly and it is the 
three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal 
in its Money Rates table on the first da of the preceding month rounded up to the nearest one-quarter of a percentage 
point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published 
on the next business day. 
The information about costs of the card described in this application is accurate as of March 1, 2019. This information 
may have changed after that date. To find out what may have changed, call us toll free at 1-800-426-1114 or write to 
us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601.