10/9/2020                                     Rewards Mastercard Disclosures | Citadel
     Rewards Mastercard Disclosures
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                        Citadel Rewards Mastercard� Agreements & Disclosures
                                                         Would you be willing to answer a few questions about your Citadel experience? 
                                                                                 
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        Interest Rates and Interest Charges 
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      Annual Percentage Rate ?APR? for
      Purchases                Your APR will be ????%??????% based upon your creditworthiness? The APR will vary with the market based on the Prime Rate?
                                                                            No Thanks
      APR for Balance Transfers and for
      Cash Advances            Your APR will be ????%??????% based upon your creditworthiness? The APR will vary with the market based on the Prime Rate?
                               Your due date is ?? days after the close of each billing cycle? We will not charge you any interest on purchases if you pay your entire balance by the
      How to Avoid Paying Interest
                               due date each month? Interest is charged on cash advances and balance transfers from the date the advance is made?
      For Credit Card Tips From The
                               To learn more about the factors to consider when applying for or using a credit card? visit the website of the  Consumer Financial Protection
      Consumer Financial Protection
                               Bureau ?
      Bureau
             Fees 
      Transaction Fees?              
                        Up to ?% of amount advanced ???? minimum? 
        Cash Advance Fee
                        ???% of transaction amount in U?S? dollars?
        Foreign Transaction Fee
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    10/9/2020                                     Rewards Mastercard Disclosures | Citadel
      Penalty Fees?
                        Up to ?????? 
        Late Fee
                        Up to ??????
        Returned Check Fee
     How We Will Calculate Your Balance? We use a method called the �Average Daily Balance ?including new purchases??�
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     Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement? The information about the costs of the card described is accurate
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     as of ??/??/????? This information may have changed after that date? To ?nd out what may have changed? call us at  ????? ???????? ? To view the full Mastercard Guide to Bene?ts? visit?  
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                         Citadel Rewards Mastercard� Line of Credit Agreement 
                                      Agreements between Citadel and the borrower?s??
                                                                            No Thanks
     *P Upon using this card? I agree to be bound by the terms and conditions of Citadel�s credit card agreement? I signi?es �we�?
     +P I hereby apply for a line of credit that I can use from time to time and which may be replenished by payment on amounts previously drawn?
     ,P This Agreement establishes my request for the issuance of a Mastercard upon approval by Citadel? ?a? The credit limit approved shall be determined by Citadel? and this credit limit will be drawn upon
       as I utilize an issued Mastercard Credit Card? ?b? The line of credit will be repaid in accordance with terms and conditions issued by Mastercard International? Inc?? and in accordance with policies
       established by Citadel�s Board of Directors?
     -P A Finance Charge will be imposed on Mastercard Cash Advances that you obtain through the use of your Mastercard as of the date of each such Cash Advance and will continue to accrue until date of
       payment in full? A Finance Charge will be imposed on the unpaid balance for Credit Purchases from the statement closing date and on Credit Purchases made during  the current billing cycle from the
       date of posting of each such Credit Purchase to your account and will continue to accrue until the date the account balance is paid in full only if the New Balance indicated on your statement for the
       prior monthly period is not paid in full within ?? days after the statement closing date? If the New Balance indicated on your statement for the prior monthly period is paid in full within ?? days after the
       statement closing date? no Finance Charge will be imposed on Credit Purchases made during the current billing cycle?
     .P The Periodic Rate used to compute The Finance Charge is the APR divided by ??? multiplied by the number of days in the month? Please contact Citadel or refer to your credit card statement to ?nd
       out the corresponding APR?
     /P The Finance Charge for a billing cycle is computed by applying the daily Periodic Rate to the Average Daily Balance? which is determined by dividing the sum of the daily balances during the billing cycle
       by the number of days in the cycle? Each daily balance is determined by adding to the Previous Balance ?the outstanding balance in the account at beginning of the billing cycle? all new Mastercard Cash
       Advances as made and if the Previous Balance was not paid in full within the ?rst ?? days of the billing cycle? all new Credit Purchases as posted through that date? but excluding any unpaid Finance
       Charges?
     0P In event of suit to collect unpaid balances? all costs? including attorneys�fees of ??% of the balance due? or such greater amounts as may be reasonable and just and also those costs? expenses and
       attorneys�fees incurred in appellate proceedings? shall be imposed?
     1P Issuer has the right to apply the proceeds of any collateral now or hereafter pledged to Issuer to secure payment of other indebtedness with Issuer to the payment of your unpaid balance in event of
       non?payment?
     2P Payments made are applied in the following order? late charges? service fees? interest on retail purchases? interest on cash advances? cash advance principal? and retail purchase principal ?remaining
       payment??
     *)P I agree not to use this credit card for any illegal activity? I understand that by doing so I may lose certain rights?
     **P Billing Error Rights Notice Your Billing Rights? Keep this Document for Future Use? This  notice tells you about your rights and our responsibilities under the Fair Credit Billing Act? What To Do If You
       Find A Mistake On Your Statement? If you think there is an error on your statement? write to us at? Citadel ??? Eagleview Boulevard? Exton? PA ?????? In your letter? give us the following information?
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    10/9/2020                                     Rewards Mastercard Disclosures | Citadel
       ?a? Account information? Your name and account number? ?b? Dollar amount? The dollar amount of the suspected error? ?c? Description of problem? If you think there is an error on your bill? describe
       what you believe is wrong and why you believe it is a mistake? You must contact us? ?a? Within ?? days after the error appeared on your statement? ?b? At  least ? business days before an automated
       payment is scheduled? if you want to stop payment on the amount you think is wrong? You must notify us of any potential errors in writing? You may call us? but if you do we are not required to
       investigate any potential errors and you may have to pay the amount in question? What Will Happen After We Receive Your Letter? When we receive your letter? we must do two things? ?a? Within
       ?? days of receiving your letter? we must tell you that we received your letter? We will also tell you if we have already corrected the error? ?b?Within ?? days of receiving your letter? we must either
       correct the error or explain to you why we believe the bill is correct? While we investigate whether or not there has been an error? ?a? We cannot try to collect the amount in question? or report you as
       delinquent on that amount? ?b? The charge in question may remain on your statement? and we may continue to charge you interest on that amount? ?c? While you do not have to pay the amount in
       question? you are responsible for the remainder of your balance? ?d? We can apply any unpaid amount against your credit limit? After we ?nish our investigation? one of two things will happen? ?a? If we
       made a mistake? You will not have to pay the amount in question or any interest or other fees related to that amount? ?b? If we do not believe there was a mistake? You will have to pay the amount in
       question? along with applicable interest and fees? We will send you a statement of the amount you owe and the date payment is due? We may then report you as delinquent if you do not pay the amount
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       we think you owe? If you receive our explanation but still believe your bill is wrong? you must write to us within ?? 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
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       matter has been settled between us? If we do not follow all of the rules above? you do not have to pay the ?rst ?????? of the amount you question even if your bill is correct? Your Rights If You Are
       Dissatis?ed With Your Credit Card Purchases? If you are dissatis?ed with the goods or services that you have purchased with your credit card? and you have tried in good faith to correct the  
       problem with the merchant? you may have the right not to pay the remaining amount due on the purchase? To use this right? all of the following must be true? ?a? The purchase must have been made in We?d really appreciate your feedback?
       your home state or within ??? miles of your current mailing address? and the purchase price must have been more than ??????? ?Note? Neither of these are necessary if your purchase was based on an
       advertisement we mailed to you? or if we own the company that sold you the goods or services?? ?b? You must have used your credit card for the purchase? Purchases made with cash advances from an
       ATM  or with a check that accesses your credit card account do not qualify? ?c? You must not yet have fully paid for the purchase? If all of the criteria above are met and you are still dissatis?ed with the
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       purchase? contact us in writing at? Citadel ??? Eagleview Boulevard? Exton? PA ?????? While we investigate? the same rules apply to the disputed amount as discussed above? After we ?nish 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?
     *+P I understand and agree that Citadel has the authority to impress and enforce a lien on all present and future shares in my name to the extent of that unpaid balance in event of
       non?payment?                                                         No Thanks
     *,P The minimum monthly periodic payment required is the total New Balance as shown on your monthly billing statement if the amount is under ??????? If the New Balance exceeds
       ??????? the minimum periodic payment is ????% of that portion of the New Balance which does not exceed your credit limit? plus the entire portion of the New Balance in excess of your credit limit?
       plus any amount past due? or ??????? whichever is greater?
     *-P If I lose my Mastercard? I will report the lost card to Citadel as soon as possible? Replacement cards will be given to me at a cost of ???????
     *.P Citadel may charge a late fee of up to ?????? if my monthly payment is more than ? ??ve? days past due? At no time will your late fee exceed your outstanding balance? I understand that Citadel reserves
       the right to change the fee at any time with proper written noti?cation?
     */P A Cash Advance Fee of up to ?% of the advance amount will be assessed per Mastercard Cash Advance transaction? The minimum fee is ??????? I understand that the Credit Union reserves the right to
       change the fee at any time?
     *0P For transactions initiated in foreign currencies? the exchange rate between the transaction currency and the billing currency ?U?S? dollars? will be? ?a? a rate selected by Mastercard from the range of
       rates available in wholesale currency markets for the applicable central processing date? which rate may vary from the rate Mastercard itself receives? or ?b? the government? mandated rate in e?ect for
       the applicable central processing date? In each instance You will be charged a fee of ????% calculated on the ?nal settlement amount for transactions that are initiated in foreign countries? and if your
       transaction is also initiated in a foreign currency You will be charged an additional fee of ????% calculated on the ?nal converted settlement amount
     *1P I promise to pay any and all charges incurred by me or by any person whom I authorize to use the Mastercard Credit Card issued to me?
     *2P As a holder of a Mastercard Credit Card? I understand that I can repay any outstanding bal? ance prior to maturity in whole or in part at my option without penalty?
     +)P I recognize and agree that I will accept any other conditions established by Citadel�s Board of Directors that are necessary to protect the best interest of Citadel and to comply with applicable Federal
       and State laws and regulations? except that Citadel may not assess any other charges to which I have not expressly agreed?
     +*P I acknowledge and agree that Citadel�s Loan Review Committee may terminate this Agreement under the following conditions? ?a? Upon adverse re?evaluation of my credit worthi? ness? ?b? Upon my
       failure to satisfy the terms of this Agreement and the terms and conditions established by Citadel�s Board of Directors and by Mastercard International? Inc? ?c? At my option or at Citadel�s option if it
       has good cause?
     ++P If my line of credit is to be terminated by Citadel? I shall receive written notice of such termination? however? I understand and acknowledge that such termination shall not a?ect my obligation to pay
       any outstanding balance?
     +,P I understand that Citadel may review my loan ?le at least once every ?? months? I hereby give my permission to and authorize Citadel to investigate and reassess my credit worthiness with the
       understanding that this may a?ect my loan limit depending on the results of the credit inquiry?
     +-P I fully understand? acknowledge and agree that if my loans become delinquent or past due my Mastercard Credit Card shall be revoked? unless the Loan Review Committee or the Loan O?cer
       determines that extenuating circumstances have contributed to the delinquency? under such circumstances? the Loan Review Committee? at its option? may approve my continued use of the Mastercard
       Credit Card?
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    10/9/2020                                     Rewards Mastercard Disclosures | Citadel
     +.P 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 ?? 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 speci?ed credit transactions or
       accounts?? and any participation fee charged ?other than certain participation fees for a credit card account?? If you want to hear this disclosure verbally? please call  ???????????? ? Not applicable for
       business credit cards?
     +/P Any controversy or claim arising out of or relating to these Agreements And Disclosures? or the breach thereof? shall be settled by arbitration administered by the American Arbitration Association in
       accordance with its Arbitration Rules and judgment on the award rendered by the arbitrator?s? may be entered in any court having jurisdiction thereof? All parties hereby waive and give up all rights to a
       jury trial or class action relief?
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                                                                   Branch Hours? Mon ? Thurs? ???? a?m? ? ???? p?m?
                Routing #
                                                                   Friday? ???? a?m? ? ???? p?m?
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                                                                   Saturday? ? a?m? ? ? p?m?
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                Citadel
                Headquarters
                         ?http?//maps?google?com/?q???? Eagleview  ????? ????????
                ??? Eagleview
                         Boulevard Exton? PA ??????                Customer Service
                Boulevard
                Exton? PA ?????
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