Crystal® Visa Infinite® Credit Card 
(With City National Rewards®) 

PRICING INFORMATION 
(As of December 31, 2019) 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

13.00% 

APR for Cash Advances 

19.00% 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by the due 
date each month. We will begin charging interest on cash advances on the 
transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.70. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

•  Cash Advance 
•  Foreign Transaction 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

$400 

Either $5 or 3% of the amount of each cash advance, whichever is greater. 
None 

Up to $15 
Up to $20 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).”  See your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your account agreement. 

Monthly Periodic Rates:  The Monthly Periodic Rate for Purchases is 1.0833 %. The Monthly Periodic Rate 
for Cash Advances is 1.5833%. 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

1 

ID 65903E 

 
 
 
 
 
 
 
 
 
 
 
Example of Credit Card Agreement 

Crystal Visa Infinite Credit Card 
(With City National Rewards) 
(As of September 23, 2019) 

YOUR CREDIT CARD AGREEMENT 
  Contract with Us. This Credit Card Agreement, including the accompanying Pricing Information table ("Agreement"), any 
future changes to it, is your contract with City National Bank ("Bank", "we", "us" or "our") and explains the terms of your 
credit card account ("Account" or "Credit Card Account"). Your signature on your application or solicitation for this Account, 
including without limitation any electronic or digital signature, as well as your signature on any sales slips or any Account-
related document, represents your signature on this Agreement. Please read this Agreement carefully and keep it for future 
reference.  

  Terms Used in this Agreement. In addition to terms defined elsewhere in this Agreement, the following terms have the 

following meanings: 

Term 
Access Device 

Authorized User 

Balance Transfer 

Business Day 
Card 

Cardholder 
Cash Advance 

PIN 

Purchase 

Unauthorized Use 

Meaning 
Any PIN, account number or other means that may be used to access and obtain credit under 
the Account. 
One or more persons to whom we issue a Card at your request, or that you allow to use your 
Account, Card or Access Device, including any person who is a minor, but is not responsible 
for the repayment of the Account unless applicable law permits otherwise. 
A transfer of funds from the Account to another credit card issuer at your request. We may, at 
our option, permit Balance Transfers. 
Monday through Friday, excluding federal legal holidays. 
One or more credit cards that we issue to Cardholders under the Account, and all renewals 
and substitutions of such cards.  
Includes you and any other person to whom we issue a Card, including an Authorized User.  
A transaction other than a Purchase that allows you to obtain an advance of funds from the 
Account. Cash Advances include: 
  Obtaining an advance of funds from us or any financial or non-financial institution, including 
from an automated teller machine (ATM), by phone, internet transfers or other means; 
  Any payment you make to us for payment on an outstanding Cash Advance that is returned 

to us for any reason;  

  Any  transaction  that  we  consider  to  be  equivalent  to  a  Cash  Advance,  such  as  the 
purchase  of  money  orders,  lottery  tickets,  traveler's  checks,  cashier's  checks,  foreign 
currency, casino gaming and betting transactions, off-track wagers, and similar items or 
transactions. 

Cash Advance also includes any Cash Advance Fees and adjustments associated with any 
Cash Advance.  
The  personal  identification  number  issued  in  connection  with  a  Card,  and  any  substituted 
number. 
The use of the Account to: 
  Buy or lease goods or services; or  
  Make any transaction that is not otherwise a Cash Advance. 
Purchase includes any Transactions Fees and adjustments associated with any Purchase.  
The use of the Card or any Access Device by any person, other than you, who does not have 
actual,  implied  or  apparent  authority  for  such  use,  and  from  which  you  receive  no  benefit. 
Among other things, use by any Authorized User or by anyone you (or any Authorized User) 
gave the Card or any Access Device to is not Unauthorized Use, even if they exceed or violate 
your (or the Authorized User's) instructions or the individual spending limit set for them. 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

2 

ID 65903E 

 
 
You, your and 
yourself 

Each applicant and co-applicant that applied for the Account; each Account holder; and other 
person responsible for the payment of the Account. It also includes any Authorized User, except 
as otherwise noted in this Agreement. 

USING THE ACCOUNT 
  Account Usage. You must immediately activate the Card using any activation process that is provided with the Card, as 
well as sign the Card where indicated upon receipt. We will at all times own all the Cards that we provide in connection with 
the Account. You will destroy or return to us the Cards upon our request.  
You promise to follow the terms of this Agreement as long as the Account remains open or has an outstanding balance. 
You may use the Account for Purchases and to obtain Cash Advances. We may, at our option, from time to time, permit 
you to obtain Balance Transfers, and Balance Transfers will be treated as Cash Advances and subject to the Cash Advance 
Fee indicated below, unless we tell you that they will be treated as Purchases. 

You agree to use the Account only for lawful personal, family or household purposes. You may not use the Account for 
business or commercial purposes. You agree not to use or permit the use of any Card or other Access Device for any illegal 
transaction, including any illegal internet gambling transactions, and we will not be liable to you if you engage in any such 
transactions.  We  may  deny  authorization  of  any  transaction  identified  as  Internet  gambling  or  illegal.  You  will  still  be 
responsible  for  repayment  of  any  such  transactions,  and  such  transactions  will  be  subject  to  all  of  the  terms  of  this 
Agreement. You may not use the Account to conduct transactions in any country or territory, or with any individual or entity 
that is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury's Office of Foreign 
Assets Control (OFAC). Use of the Account in those countries will be blocked. You agree not to use the proceeds of any 
Cash  Advances,  Balance  Transfers  or  other  advances  on  the  Account  to  make  payments  on  the  Account  or  to  make 
payments on any other loans or obligations you have with us. 

We will not be liable to you if (a) any merchant, financial or non-financial institution, ATM or any third party refuses to accept 
or honor your Card or any Access Device, even if that refusal results from restrictions or requirements we impose on your 
Account, (b) operational problems prevent a transaction from being authorized, or (c) a transaction is declined because you 
are  in  default  under  this  Agreement  or  for  any  other  reason  contained  in  this  Agreement.  You  acknowledge  that  other 
financial institutions' ATM networks may have limitations on the number and/or dollar amount of Cash Advances which you 
may withdraw from their ATMs.  

You may arrange for certain merchants to store your Card number and expiration date, so that, for example, the merchant 
may charge your Account at regular intervals, or you may make charges using that stored Card information. We may (but 
are not required to), and you authorize us to, tell these merchants if your expiration date or Card number changes or if your 
Account is cancelled. You must notify these merchants directly if you want them to stop charging your Account. 

  Authorized Users. You may permit one or more Authorized Users on the Account to have access to the Account by asking 
us to issue a Card and providing us with information that we require for each Authorized User. We may require that your 
request to add one or more Authorized Users be in writing. Except for an Authorized User and any other Cardholder, you 
will not allow any person to have access to the Account, by use of a Card or any Access Device. If we approve your request 
to add one or more Authorized Users, the Authorized User’s use of the Account is subject to the terms and conditions of 
this Agreement. You agree to notify each Authorized User that they are subject to all applicable sections of this Agreement. 
You are liable for all transactions made by any Cardholder and any other person that you have authorized or allowed to 
use  or  have  access  to  the  Account,  a  Card  or  any  Access  Device, including  transactions  for  which  you  may  not  have 
intended to be liable, even if the amount of those transactions causes your Credit Access Line or the individual spend limit 
on a Card to be exceeded. We may terminate the credit privileges of any Authorized User for failing to abide by the terms 
and conditions of this Agreement, for engaging in any fraudulent activity on the Account as determined by us, and for any 
other reason we deem appropriate. If you wish to terminate the credit privileges of any Authorized User, you must write to 
us at the address stated in your most recent periodic statement or call us at the phone number on your most recent periodic 
statement. We will have a reasonable amount of time after your request is received by us to effectuate the termination of 
the credit privileges of the Authorized User. You must immediately recover and destroy, by cutting in half, all Cards in the 
possession of the Authorized User. During this time you will continue to be responsible for any transactions of the Authorized 
User involving the Card or any Access Device until the termination is effective. You understand that we may discuss the 
Account with any Authorized User and provide information regarding the Account to any Authorized User. Authorized Users 
have no right to make any Account changes. Generally, Authorized Users are not liable for any outstanding balance on the 
Account, except as otherwise permitted by law.  

  Credit Access Line and Available Cash Line. The Credit Access Line is the maximum amount of credit for which payment 
can be deferred on the Account, subject to the payment of the Minimum Payment Due. The initial Credit Access Line for 
the Account is assigned by us when the Account is opened and appears on the letter or card carrier, as applicable, that 
accompanies the Card. The Account is also assigned an Available Cash Line by us, which is a portion of your Credit Access 
Line that can be used for Cash Advances. The current Credit Access Line and current Available Cash Line assigned to the 
Account  will  appear  on  the  most  recent  periodic  statement  for  the  Account. We may  increase  or  decrease  your  Credit 
Access Line and Available Cash Line at any time, either permanently or temporarily, without prior notice to you. We may 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

3 

ID 65903E 

 
decline or honor any transactions for any reason. We will not be liable if a transaction is not honored for any reason, even 
if there was sufficient credit available under the Credit Access Line or, for a Cash Advance, under the Available Cash Line. 

We may permit the primary Cardholder on the Account, as shown in our records, to set an individual spending limit for each 
other Cardholder (including any Authorized User but excluding any joint Account holder), subject to the Credit Access Line 
amount. You will be liable, however, for all transactions by an Authorized User even if they exceed their individual spending 
limit. 

  No Pre-Set Spending Limit and Transaction Authorization. Unless you are considered an executive officer, director or 
other  insider  of  the  Bank  under  federal  law,  the  Account  has  no  pre-set  spending  limit.  This  does  not  mean  that  all 
transactions will be approved by us. Instead, each transaction in excess of the Credit Access Line will be considered for 
approval by us on an individual basis, and will be evaluated based on the spending and payment patterns on the Account, 
the  Account  history,  your  other  relationships  with  us,  information  from  consumer  credit  reports  we  obtain  from  credit 
bureaus, your experience with other creditors, our understanding of your resources, safety and soundness considerations 
and any suspected fraud. We may decline an authorization request for any transaction at any time for any reason. We may 
also request additional information from you at any time to evaluate a transaction request or your use of the Account. Any 
transaction honored in excess of the Credit Access Line or the Available Cash Line will not result in an increase of your 
Credit  Access  Line  or  Available  Cash  Line,  respectively,  unless  we  expressly  notify  you  in  writing.  If  we  authorize  a 
transaction that causes you to exceed your Credit Access Line, then you must pay, as part of your Minimum Payment Due, 
the amount by which your balance exceeds your Credit Access Line.  

If you are considered an executive officer, director or other insider of the Bank under federal law, the no-pre-set spending 
limit feature will not apply to you. In that event, you agree not to permit the outstanding balance of your Account to exceed 
your Credit Access Line. If any transaction would cause your Credit Access Line to be exceeded, we can refuse to authorize 
the transaction  or  we can charge  your  Account for the transaction.  You  agree to  pay  us immediately, on  demand, any 
amount by which the outstanding balance on your Account exceeds your Credit Access Line. Any transaction honored in 
excess of your Credit Access Line will not result in an increase of your Credit Access Line unless we expressly notify you 
in writing. 

  Enabling Your Mobile Device to Use Your Card. When made available by us, you may register the Card with a third 
party program provider ("Program Provider") for programs such as Apple Pay™, Google Wallet™ or a similar program 
that allows Card transactions through a mobile communications device, such as a cell phone. You may do so by following 
the instructions of the Program Provider. Once your Card is registered, your mobile communications device becomes an 
"Enabled Device" which typically stores virtual representations of the Card to make contactless payments at merchants 
participating in the Program Provider's program, utilizing the merchant's contactless terminal, or "in-app" or other digital 
commerce payments. Your Enabled Device may not be accepted everywhere the Card is accepted.  

Your Program Provider and other third parties (such as wireless companies or data service providers) may charge fees 
for your enrolling in a program or using an Enabled Device. You are responsible for any such wireless carrier data or 
usage fees incurred. We have no liability for any such fees.  

You are responsible for keeping your Enabled Device login and other credentials private and secure. You should secure 
your  Enabled  Device  with  the  same  care  that  would  be  used  with  the  Card,  an  Access  Device,  cash,  checks,  and 
passwords, or similar sensitive information, in order to avoid Unauthorized Use. Sharing of credentials with any other 
person  may  allow  Unauthorized  Use  and  unauthorized  access  to  your  personal  and  payment  information  available 
through the Enabled Device or the program. You agree to call us and your Program Provider immediately if you believe 
your Enabled Device or authentication credentials have been lost, stolen or compromised in any way or you believe an 
unauthorized person has used or may use your credentials.  

We are not the provider of your Enabled Device and not responsible for providing the program's services to you. Use of 
your  Enabled  Device  involves  the  electronic  transmission  of  personal  information  through  third  party  connections. 
Because  we  do  not  operate  or  control  these  connections,  we  cannot  guarantee  the  privacy  or  security  of  the  data 
transmissions.  You  should  consider  whether  there  is  risk  of  loss  or  other  problem  that  may  result  from  wireless 
transmission or loss of your Enabled Device. Check with your Program Provider and your wireless carrier for information 
about their privacy and security practices. 

We have no responsibility or liability for any loss, damage, function, malfunction, delay or other problem or claim, directly 
or  indirectly,  associated  with  your  Enabled  Device,  including,  but  not  limited  to,  the  security,  accuracy,  legality, 
appropriateness, content, what information is collected or accessed, performance or non-performance of your Enabled 
Device,  nor  the  actions  of  your  Program  Provider  or  any  other  third  party  regarding  any  agreement  you  enter  into 
respecting your Enabled Device or the program or any associated third party relationships that may impact use of your 
Enabled Device.  Our liability, if any, is limited to your rights as a Cardholder for Unauthorized Use as provided in this 
Agreement and by applicable law. 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

4 

ID 65903E 

 
It  is  your  responsibility  to  read  and  understand  the  terms  and  conditions  applicable  to  your  Enabled  Device  before 
enrolling in, creating, activating or using a Card in an Enabled Device. 

INTEREST CHARGED ON YOUR ACCOUNT 
  Annual Percentage Rates (APRs) and Monthly Periodic Rates (MPRs).  The APRs and corresponding MPRs applicable 

to your Account are shown on the Pricing Information table.  The MPR is equal to the APR divided by 12. 

  Interest Charges. We will not assess any interest charges on the Purchase segment of your Account if you pay the entire 
New Balance stated on your periodic statement by the Payment Due Date each month. We will assess interest charges on 
the Purchase segment of your Account if you do not pay the New Balance stated on your periodic statement in full on or 
before the Payment Due Date stated in the periodic statement. We will begin assessing interest charges on each Cash 
Advance from the transaction date of the Cash Advance and interest charges will continue to accrue until the day we receive 
payment for the full amount of the Cash Advance. 

We calculate interest charges separately for the Purchase segment and for the Cash Advance segment of your Account. 
Balances within each segment have different APRs. The total interest charges posted to your Account for each billing cycle 
is the sum of the interest charges for the Purchase segment plus the interest charges for the Cash Advance segment and 
will be posted to your Account on the last day of the billing cycle.  

  Calculation  of Interest Charges  on  Purchases. We calculate the interest charges for the  Purchase segment  of  your 
Account on the Average Daily Balance (including new purchases) method. On each day of the billing cycle we determine 
the  Daily  Balance for the  Purchase segment. To calculate  the Daily  Balance,  we (1) take the beginning balance of the 
Purchase segment, (2) add any new Purchases, late charges and other charges (excluding unpaid interest and Foreign 
Transaction Fees) posted to the Purchase segment, (3) subtract any payments and other credits posted to the Purchase 
segment, and (4) make any appropriate corrections or adjustments. If the Daily Balance is less than zero, we treat it as 
zero. We then add all of these Daily Balances for the billing cycle and divide that total by the number of days in the billing 
cycle. This determines the Average Daily Balance for the Purchase segment. We then multiply this Average Daily Balance 
by the MPR for Purchases. This gives us the interest charges for the Purchase segment of your Account.  

  Calculation of Interest Charges on Cash Advances. We calculate the interest charges on the Cash Advance segment 
of your Account on the Average Daily Balance (including new Cash Advances) method. On each day of the billing cycle we 
determine the Daily Balance for the Cash Advance segment. To calculate the Daily Balance, we (1) take the beginning 
balance of the Cash Advance segment of your Account, (2) add any new Cash Advances and other related charges posted 
to the Cash Advance segment (excluding unpaid interest, Cash Advance Fees and Foreign Transaction Fees), (3) subtract 
any  payments  and  other  credits  posted  to  the  Cash  Advance  segment,  and  (4)  make  any  appropriate  corrections  or 
adjustments. If the Daily Balance is less than zero, we treat it as zero. We then add all of these Daily Balances for the billing 
cycle and divide that total by the number of days in the billing cycle. This determines the Average Daily Balance for Cash 
Advances. We then multiply this Average Daily Balance by the MPR for Cash Advances. This gives us the interest charges 
on the Cash Advance segment of your Account.  

  Minimum Interest Charge. The Minimum Interest Charge applicable to your Account is shown on the Pricing Information 
table. The Minimum Interest Charge will be added to the Purchase balance of your Account if there is a Purchase balance. 
If not, it will be added to the Cash Advance balance of your Account.  

ANNUAL FEE 
•  Annual Fee –We will assess you the Annual Fee shown on the Pricing Information table.  The Annual Fee will be posted 
to your Account and appear on your periodic statement in the month in which your Account is opened and in the same 
month each year thereafter. Subject to applicable law, we are entitled to collect the Annual Fee once it is posted to your 
Account even if you do not use your Account or if your Account is subsequently suspended, closed or terminated for any 
reason. The Annual Fee will be billed to the purchase segment of your Account and applied against your Credit Access 
Line. 

New York Residents Only: The unused portion of your Annual Fee may be refundable during the first 6 months following 
the date it is billed provided you are not in default under this Agreement and you write to us, at the address provided on 
the reverse side of your most recent periodic statement, to cancel your Account and request a refund. We are entitled, 
however, to apply the pro-rated portion of the Annual Fee that would have been refunded to you to any installment which 
is not paid by the due date. Your written request must be in a mailing separate from your payment. Written notes on your 
payment coupon that you return to us with a payment will be insufficient for this purpose. You will return with your written 
request all issued Cards, cut in two. 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

5 

ID 65903E 

 
TRANSACTION AND OTHER FEES CHARGED TO YOUR ACCOUNT 
  Transaction Fees. We will assess the following Transaction Fees.  The amount of each Transaction Fee is shown on the 
Pricing Information table and will be charged to the same balance segment (i.e., Purchase or Cash Advance) to which the 
transaction is posted: 

•  Cash Advance Fee. This fee will be charged to your when a Cash Advance is posted to your Account. 

  Other Fees. We will assess the following other fees in the billing cycle in which they occur. These fees will be posted to the 

Purchase segment of your Account. 

•  Late Charge. The amount of this fee is shown on the Pricing Information table and will be assessed if we do not 
receive at least the Minimum Payment Due at the address shown on the periodic statement within 15 days after the 
Payment Due Date shown on the periodic statement.  

•  Returned Payment Charge. The amount of this fee is shown on the Pricing Information table and will be assessed 
each time your check or other payment instrument (including any postdated check) or an electronic debit or any other 
form of payment is not honored or is returned unpaid for any reason, even if it is paid upon subsequent presentment 
(if we elect to re-present the payment).  

•  Research/Photocopy Charges. A research fee of $35.00 per hour (with a one hour minimum) for the time spent 
researching  something  you  have  requested  relating  to  your  Account,  and  a  copy  charge  of  $2.00  for  each  billing 
statement and $12.00 for each sales or Cash Advance draft or other record of your Account. The research fee and 
the copy charges will not be imposed if your request relates to a billing error inquiry on your Account. 

FOREIGN CURRENCY TRANSACTIONS 
If a transaction is made in a currency other than U.S. Dollars (the "transaction currency"), Visa will convert the transaction into 
a U.S. Dollar amount (the "billing currency"). You agree to recognize the converted amount in U.S. Dollars as an amount that 
you are obligated to pay under this Agreement. Visa will use the procedures set forth in its operating regulations or conversion 
procedures in effect at the time the transaction is processed. Currently, the Visa operating regulations state that the exchange 
rate between the transaction currency and the billing currency is: (i) a rate selected by Visa from the range of rates available 
in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, 
or (ii) the government–mandated rate in effect for the applicable central processing date, in each instance, plus or minus an 
adjustment determined by the card issuer. The exchange rate for the applicable central processing date may differ from the 
rate in effect on the transaction date or the posting date. The exchange rate used may be the same as, greater than, or less 
than the rate that would be available through a financial institution in the country in which the transaction occurred. We do not 
determine the exchange rate that is used. 

PROMISE TO PAY AND PAYMENTS 
  Promise to Pay. You promise to pay all interest, fees, charges and amounts advanced from your Account, including:  

•  All amounts advanced by the use of a Card, any Access Device or otherwise, regardless of any terms contained on any 
sales or Cash Advance receipts to the contrary, and whether or not the merchant provides you with any sales or Cash 
Advance receipts, and  

•  All  amounts  relating  to  advances  made  to  other  Cardholders  and  any  Authorized  Users  and  amounts  relating  to 

advances made to other persons that you allow to use the Card or any Access Device. 

If the Account is a joint account, each of you is jointly and severally liable for all amounts owed on the Account and under 
this Agreement, and we may refuse any request from any of you if we receive an inconsistent request from another of you. 
  Periodic Statements. We will provide you with a periodic statement for each billing cycle during which your Account has 
an outstanding balance of more than $1.00 or on which interest or another finance charge has been imposed, or in which 
transactions have been posted to your Account. We will send only one periodic statement for each billing cycle even if your 
Account is a joint account. Your periodic statement and any notices about your Account will be sent to the most current 
mailing  address  we  have  in  our  records  for  the  Account.  If  you  have  opted  for  us  to  provide  your  periodic  statements 
electronically, we will not have any obligation to send any periodic statements to your mailing address. A billing cycle is the 
time beginning the day following one periodic statement closing date through and including the next periodic statement 
closing  date.  Each  periodic  statement  will  provide  you  with  the  information  required  by  law,  including  the  outstanding 
balance of the Account at the end of each billing cycle (the "New Balance"). A periodic statement may not be provided to 
you if we believe that your Account is uncollectible, if delinquency collection proceedings have been instituted, if we have 
charged off your Account in accordance with loan loss provisions and will not charge any additional fees or interest on the 
Account, or if furnishing the statement would violate applicable federal law. 

  Minimum Payment Due. Each month you must pay at least the Minimum Payment Due by the Payment Due Date shown 
on your monthly periodic statement. You may, at your option, pay more than the Minimum Payment Due or pay the entire 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

6 

ID 65903E 

 
New Balance (as stated on your monthly periodic statement) to reduce or avoid interest charges for the Account. To 
calculate the Minimum Payment Due we begin with any past due amount. We then add any late charges and the amount 
in excess of your Credit Access Line. We then add the largest of the following: 

•  $25.00, or  

•  2.5% of the New Balance (after deducting any past due amount and the amount in excess of your Credit Access Line), 

rounded up to the nearest dollar. 

A New Balance of less than $25.00 is payable in full. YOU MAY PAY THE TOTAL INDEBTEDNESS (New Balance) 
AT ANY TIME. 

  Payment Instructions. You must make all payments in U.S. Dollars. To do so, you must use a check, draft, money order 
or other negotiable instrument, or make an electronic payment, that is drawn on and honored by a United States bank. Do 
not send cash. We may reject payments that are not drawn in U.S. Dollars and those drawn on a financial institution located 
outside of the United States. When you provide a check as payment, you authorize us either to use information from your 
check to make a one-time electronic fund transfer from your account on which the check is drawn or to process the payment 
as  a  check  transaction. When  we  use  information  from  your  check  to  make  an  electronic  fund  transfer,  funds  may  be 
withdrawn from your account on which the check is drawn as soon as the same day we receive your payment and you will 
not receive your check back from your financial institution. All payment instruments must be sent to the address shown on 
your most recent periodic statement and must include the payment coupon from your periodic statement. There could be a 
delay of up to five (5) days in crediting the payment to your Account if you send or deliver a payment to us at any other 
address or you otherwise fail to follow our requirements for payments. This may result in the imposition of late charges and 
additional interest charges, and it may also result in your default under this Agreement. After we receive and credit your 
Account for any payment, whether such payment is received by check or other means provided for in this Agreement, we 
may  not  restore  your  available  credit  for  the  amount  of  such  payment  for  a  period  of  up  to  three  (3)  Business  Days. 
Generally, credits to your Account, such as those generated by merchants in connection with returns, will not reduce your 
Minimum Payment Due.  

  Payment Allocation. Subject to applicable law and except as provided below, we may apply payments and credits in any 
reasonable manner. If your Account has balances with different APRs, then subject to applicable law, we will decide how 
to allocate the amount of your Minimum Payment Due. Generally, we will apply your Minimum Payment Due first to lower 
APR balances before balances with higher APRs. If you make a payment in excess of the Minimum Payment Due, then 
the portion of the payment in excess of the Minimum Payment Due will be applied to balances with highest APRs and then 
to each successive balance bearing the next highest APR. We may adjust your Account as appropriate to address errors, 
returned items, dishonored payments, and other matters.  

  Irregular Payments; Payments Marked "Paid In Full". We may receive letters, checks or other types of payment that 
reflect "payment in full" or other restrictive language indicating satisfaction of your debt, without losing any of our rights to 
receive full payment under this Agreement. You must send any such communication and payment to City National Bank, 
P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations. Satisfaction of your debt for less than the full 
amount due requires a written agreement by us, signed by one of our authorized officers, with you. 

  Postdated  Checks.  Payments  should  not  be  made  by  postdated  check  or  other  payment  instrument.  If  we  receive  a 
payment made by a postdated check, we may deposit it and will have no liability if it is posted to your checking account 
prior to the date appearing on the check. 

  Credit Balances. You may request a refund of a credit balance shown on your periodic statement at any time by either 
calling the Customer Service phone number shown on your most recent periodic statement or writing to us at City National 
Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations. Any written request must be in a mailing 
separate from your payment. Written notices on the payment coupon that you return to us with a payment will be insufficient 
for this purpose. We may reduce the amount of any credit balance by the amount of new charges or fees billed to your 
account.  

  Automatic  Third  Party  Charges.  You  may  authorize  a  third  party  to  automatically  charge  the  Account  for  repeat 
transactions. If automatic charges are stopped for any reason (including because the Account is closed or suspended), or 
the Account or the Card number you have provided to the third party changes, you are responsible for notifying the third 
party biller and paying these charges directly. If the Account number or your Card number changes, we may, but are not 
required to, pay from your new Account or Card number charges that you authorized to be billed to your old Account or 
Card number. 

ABOUT YOUR DEFAULT AND OUR REMEDIES 
  Default. You and the Account will be in default under this Agreement if any of the following events occur:  

(1)  We do not receive any Minimum Payment Due by the Payment Due Date disclosed on the monthly periodic statement; 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

7 

ID 65903E 

 
(2)  You violate any other provision of this Agreement;  

(3)  You have made any false or misleading statement on the Application, or on any financial statement you have submitted 
to us for or in connection with the Account, or in connection with any other loans, products or services that you have 
with us;  

(4)  We receive information that you have died, filed bankruptcy, become insolvent, or are unable to pay your debts as 

they come due;  

(5)  We determine that there is a material adverse change in your financial condition;  

(6)  You fail to pay when due or are otherwise in default of any indebtedness you owe to another creditor, or any other 

indebtedness you owe us;  

(7)  There is an attachment, execution, or levy against you or any of your property; or  

(8)  A guardian, conservator, receiver, custodian, or trustee is appointed for you.  

If this is a joint Account, a default by one of you will be a default by all of you. 

  Remedies. Subject to applicable law, in the event of a default, we may, at our option, in addition to such other remedies as 
we may  have  under  applicable law  with respect  to such default  and  without prior notice to  you, do one or  more of the 
following:  

(1)  Cancel the Account;  

(2)  Require  immediate  payment  in  full  of  the  entire  outstanding  balance  and  all  accrued  interest  and  other  fees  and 

charges owed on the Account;  

(3)  Suspend your credit privileges on the Account;  

(4) 

Increase your Minimum Payment Due; or  

(5)  Suspend any features of the Account.  

Following the exercise of any of the above remedies, you will remain subject to the provisions of this Agreement, including 
your obligation to repay the outstanding balance of the Account in full. We may delay or waive enforcement of any of the 
provisions of this Agreement without losing our rights to enforce either the same provision later or another provision at any 
time.  You  waive any right  you may have to require  us to take collection action or  otherwise  proceed  against  any other 
Cardholder or Authorized User before proceeding against you. All rights and remedies granted to us under this Agreement 
are cumulative and no one such right or remedy is exclusive to any other.  

  Payment of Collection Costs. Subject to applicable law, you agree to pay all costs and expenses we incur in collecting 
amounts you owe us under this Agreement, or otherwise in enforcing or protecting our rights with respect to the Account, 
whether or not a lawsuit is filed. These costs and expenses may include, subject to any limits under applicable law, court 
costs, reasonable attorneys' fees (which may include, as permitted by applicable law, those of attorneys employed by us) 
and the expenses of retrieving your Cards (which expenses include those that we incur by having Card information placed 
in a warning bulletin or restricted list). We may charge your Account for any and all collection costs incurred with respect to 
your Account and this Agreement.  

ADDITIONAL RIGHTS TO CANCEL OR SUSPEND YOUR CREDIT PRIVILEGES 
You may cancel your Account at any time by providing us written notice at the address stated in your most recent periodic 
statement or by telephoning us at the phone number stated in your most recent periodic statement. If this is a joint Account, 
any of you may give us notice to cancel the Account and we may close it without notifying the other Account holder. Except as 
limited by applicable law, even if you are not in default, we may cancel your Account or suspend your credit privileges on the 
Account at any time without prior notice. After your Account is cancelled by you or us, or your credit privileges on the Account 
are suspended by us, we will not be obligated to make further advances on the Account to any Cardholder, but you will remain 
subject to the provisions of this Agreement, including your obligation to repay all amounts outstanding of the Account, and we 
may require immediate payment in full of all such amounts. You must cut all Cards in half and return them to us to the address 
stated in the most recent periodic statement. You will not attempt to make any Purchases or obtain any Cash Advances on 
the Account after the Account has been cancelled, or your credit privileges on the Account have been suspended by us. 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

8 

ID 65903E 

 
CHANGES TO THIS AGREEMENT 
We may add to, delete or change any of the terms of this Agreement at any time, subject to applicable law. This includes, but 
is  not  limited  to,  changing  the  MPRs,  the  APRs,  and  the  method  of  calculating  interest,  fees,  charges  and  the  Minimum 
Payment Due, as well as adding new fees and charges. We may also amend this Agreement due to changes in regulation or 
legislation, business needs, product design and for economic and market conditions. However, we cannot increase the MPR 
on any existing balance except in limited circumstances and subject to applicable law. We will send you any notice of a change 
that is required by applicable law. Changes to some terms may require 45 days advance written notice and we will tell you in 
the notice if you have the right to reject a change. If the notice gives you the right to reject the change, and you reject the 
change, we may cancel the Account but you will remain obligated to pay us any outstanding amounts on the Account as well 
as any additional amounts that may be charged to the Account thereafter (such as, any interest charges and late fees).  

ADDITIONAL IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 
  Assignment of Your Account. We may sell, transfer or assign this Agreement, the Account, or the amount owing under 
the Account without notice to you. You may not sell, transfer or assign your Account or any of your obligations under this 
Agreement. 

  Financial and Other Information. You represent and promise to us that (a) your most recent financial statements provided 
to us are true, complete and correct in all respects, (b) they fairly represent your financial condition as of the date shown on 
such statements, and (c) no material adverse change has occurred in your financial condition since that date. You also 
represent  and  promise to  us  that  the  most  recent  federal  income  tax  return  and  all  schedules  attached  to  such  return 
("Federal Tax Return") that you have given to us are a true and correct copy of such Federal Tax Return filed with the 
Internal Revenue Service for the tax period ending on the date indicated in such Federal Tax Return. We may reinvestigate 
any information you provided to us on or with your application for the Account or otherwise in connection with your Account 
at any time. You agree to promptly provide to us, from time to time upon our request, current information regarding you and 
your financial affairs.  

  Credit Information and Reporting. You authorize us to request and receive information from consumer reporting agencies 
and others concerning you and your credit history and to answer questions and requests from, and provide information to, 
others (such as merchants  and consumer reporting  agencies) about our  transactions and experiences  with  you. If  you 
believe that we have specific information about your Account that is inaccurate, you should write us at the address shown 
on your most recent periodic statement and identify the specific information that you believe is inaccurate. If you believe we 
have furnished inaccurate or incomplete information about you or your Account to a credit reporting agency, contact us at 
the  Customer  Service  phone  number  stated  on  your  most  recent  periodic  statement.  You  may  also  write  to  us  at  City 
National  Bank, P.O.  Box  54830,  Los  Angeles, CA 90054, Attention: Credit Card  Operations. With  your  written request, 
please include your name, address, home phone number, and account number and explain what you believe is inaccurate 
or incomplete.  

  Change  of  Name,  Address,  Employment  and  Other  Information.  If  you  change  your  name,  your  address,  your 
employment,  or  your  telephone  number  (including  a  mobile  phone  number  that  you  have  provided  to  us)  or  any  email 
address you have provided to us, you agree to write to us and provide this information so we can change our records. We 
will have a reasonable time to change our records to make any change.  

  Lost, Stolen or Unauthorized Use of Card or Any Access Device. If your Card or any Access Device is lost or stolen, 
or if you think your Card or any Access Device is being or may be used without your permission, or an Unauthorized Use 
has occurred, you must notify us immediately by calling or writing us at the telephone number or address shown on your 
most recent periodic statement. Do not use the Card or any Access Device after we have been notified, even if the Card or 
Access Device is found or returned. You may be liable for the Unauthorized Use of your Card or Access Device. You will 
not be liable for an Unauthorized Use that occurs after you notify us, by telephone or in writing, of the loss, theft or possible 
Unauthorized Use of your Card or Access Device; however, you must identify for us the charges on the periodic statement 
that were not made by you, an Authorized User or other person authorized by you or the Authorized User, or from which 
you, such Authorized User or other person received no benefit. In any case, your liability for Unauthorized Use will not 
exceed $50.00. You agree to assist us in our investigation, to comply with such procedures as we may require in connection 
with our investigation and to provide information relating to any loss, theft or possible Unauthorized Use of your Card or 
Access Device. At any time there is any loss, theft or possible Unauthorized Use of a Card or Access Device, we may close 
your Account and open a new Account and issue to you and all other Cardholders new Cards and Access Devices (other 
than an Enabled Device which you will need to update through your Program Provider). Such new Account will be subject 
to the terms of this Agreement, as amended from time to time. 

  Privacy. If you require Emergency Cash Disbursement or Emergency Card Replacement Services through Visa, you agree 
that we may provide your personal data to Visa. Inc. or its or our contractors or services providers for that purpose. By 
entering into this Agreement, you expressly consent to the release of this information. Other information regarding privacy 
is set forth in the privacy notice that we will separately provide to you.  

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

9 

ID 65903E 

 
  Telephone  Monitoring.  You  understand  and  agree  that  your  telephone  calls  with  us  and/or  our  agent  regarding  your 
Account may be monitored and recorded for the purpose of assuring quality service or as required by applicable law. We 
may retain any telephone recording for such time as we will determine, but we will have no liability to you if we do not retain 
the recording. 

  Notices. We will send any notices and other communications to you regarding the Account to the address appearing on 
the  most  recent  periodic  statement  for  the  Account.  If  the  Account  is  a  joint  account,  we  will  send  notices  and 
communications to only one of  you. If  you have provided an email address to us, we may also send notices and other 
communications to such email address. Except as otherwise provided in this Agreement, you will send any notices to us at 
City National Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations.  

  The Law That Applies to Your Account. This Agreement (including all provisions relating to APRs, fees and charges) 
and your Account will be governed and interpreted by federal law and, to the extent not preempted, the laws of the State of 
California (without reference to such state's conflicts of law rules), whether or not you live or use your Card or any Access 
Device in California. If there is any conflict between any of the terms and conditions of this Agreement and applicable federal 
or state law, this Agreement will be considered changed to the extent necessary to comply with the law. 

  Severability of Terms. If any provision of this Agreement is determined by a court of competent jurisdiction to be invalid 
or  unenforceable,  the  remaining  portions  of  this  Agreement  will  continue  to  be  effective.  We  use  section  headings  to 
organize this Agreement. The headings are for reference purposes only. 

  Maximum  Loan  Charges.  If  the  Account  is  subject  to  a  law  that  sets  maximum  loan  charges,  and  that  law  is  finally 
interpreted so that the interest or other charges collected, or to be collected, in connection with the Account exceeds the 
permitted limits, then: (i) any such charge will be reduced by the amount necessary to reduce the charge to the permitted 
limit; and (ii) any sums already collected from you which exceeded permitted limits will be refunded to you. At our option, 
we will refund the excess either by reducing the principal amount owed under the Account or by making a direct payment 
to you. 

  City National Rewards® and Other Benefits. We will make available to you the services and awards described in the City 
National Rewards Program Terms, Conditions and Program Rules and the Householding Program Rules (together, the 
"Rewards  Program Terms") that  will be separately  provided  to  you  and  which can be found  on  www.cnb.com/rewards. 
These services and awards may be changed at any time and are subject to the provisions of the Rewards Program Terms. 
Both we and third parties may provide you with additional benefits and services that are not described in this Agreement. 
These benefits and services are not part of this Agreement and may be added, deleted or changed at any time without 
notice. We are not responsible for benefits or services provided by third parties. 

YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at: 

City National Bank  
Credit Card Processing Center  
P.O. Box 84021  
Columbus, GA 31908 

In your letter, give us the following information: 
  Account information: Your name and account number. 
  Dollar amount: The dollar amount of the suspected error.  
  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it 

is a mistake. 

You must contact us: 
  Within 60 days after the error appeared on your statement. 
  At least three business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if  you do we are not required to investigate any 
potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

10 

ID 65903E 

 
corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:  
  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  We can apply any unpaid amount against your Credit Access Line. 
After we finish our investigation, one of two things will happen:  
  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and 
fees. We will send  you a statement of the  amount  you owe and the  date  payment is  due. We may then report  you  as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is 
correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good 
faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 
1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  your  current  mailing  address,  and  the 
purchase price must have been more than $50.00. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check 

that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

City National Bank  
Credit Card Processing Center  
P.O. Box 84021  
Columbus, GA 31908  

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we 
will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.  

(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

11 

ID 65903E 

 
New York Residents:  

NOTICE TO THE BUYER: 1. Do not sign this credit agreement before you read it or if it contains any blank 
space. 2. You are entitled to a completely filled in copy of this credit agreement. 

CARDHOLDER:  Your  signature  (including  any  facsimile,  electronic  or  digital  signature)  on  any  application  for  the 
Account  or  any  sales  slip  or  other  evidence  of  indebtedness  on  your  Account  represents  your  signature  on  this 
Agreement. 

RETAIL INSTALLMENT CREDIT AGREEMENT 

City National Bank  
555 South Flower Street  
Los Angeles, CA 90071 

Vincent Hruska  
Senior Vice President 

Member FDIC 
City National Bank is a subsidiary of Royal Bank of Canada 
Visa and Visa Infinite are registered trademarks of Visa International Service Association and are used under license. 
(Crystal Visa Infinite Credit Card Agreement as of 12/31/2019) 

12 

Member Federal Reserve System 

ID 65903E