Important Disclosures

This program is issued and administered by Citizens Alliance Bank.
This information is accurate as of December 1, 2023.
Each applicant must be at least 18 years of age.
The variable rates, the fees, and the terms are subject to change.
To find out if any rates, fees, or terms have changed, please write to:
Visa® Department at Citizens Alliance Bank, PO Box 430, Clara City, MN 56222
Member FDIC | Equal Housing Lender

Interest Rate & Interest Charges
Annual Percentage Rate (APR) for Purchases:	17.99% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers:	17.99% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances:	17.99% This APR will vary with the market based on the Prime Rate.
Paying Interest:	Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and balance transfers from the transaction date.
Minimum Interest Charge:	If you are charged periodic interest, the 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.

Payment Information:
All charges made on this Business Card are due and payable when you receive your periodic statement.

Fees
Annual Fee:	None
Transaction Fees
Balance Transfer:	None
Cash Advance:	None
Foreign Transaction:	Up to 1.00% of each transaction in U.S. dollars.
Penalty Fees
Late Fee:	Up to $15.00
Over-the Credit Line:	None
Returned Payment:	None
Other Fees
Pay by Phone Fee:	No charge for automated payment. $10.00 if assisted by a live representative.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.

We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate.

TERMS AND CONDITIONS

When you (“you” or “your” mean the owner, officer, or partner of the Business with the authority to bind the Business) complete the Application for a Business Card loan from Citizens Alliance Bank (“Citizens Alliance Bank”, “we”, or “us”), you agree to the following:

1. YOU REPRESENT AND WARRANT THAT ALL CARDS ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES.
2. You agree to be jointly and severally liable with the Business for all charges to the account including those charges by Authorized Users. This means that you will be personally liable for all balances incurred on all cards and accounts issued pursuant to the Application now or whenever such additional accounts may be established in the future and that the Business is jointly liable for all cards issued in the Business name and/or at the request of the Business. If you leave the Business, you will continue to be responsible for the outstanding balances on the account. You must notify us immediately to close any accounts and prevent further usage.
3. You represent that the information you provide on the application is accurate. You authorize us to verify this information and to obtain and use business and consumer credit reports in connection with your request for an account and any update, renewal, or extension of credit we may extend to you. You authorize us and our affiliates to exchange in formation as permitted by law. If you request, we will tell you if a credit report was requested and, if so, the name and address of the consumer reporting agency which furnished the report.
4. You must notify Authorized Cardholders that we may obtain, provide, and use information about them and that their use of the account is subject to the terms of the Business Card Loan Agreement.
5. If an account is opened, you will receive a Business Card Loan Agreement with your card(s). When you use the account or any card, authorize their use, or make any payment on the account, you agree to the terms of the Business Card Loan Agreement and any future revisions of the Business Card Loan Agreement.
6. You authorize us to allocate your payments and credits in any way that we determine.
7. You agree that we may change the terms of, or add new terms to, the Business Card Loan Agreement at any time. We may apply any changed or new terms to any existing or future balances on your account.
8. Only qualified individuals at least 18 years old may be approved for an account. This offer is available to United States Residents, excluding Puerto Rico and the United States Virgin Islands.
9. Patriot Act Notice: Federal law requires all financial intuitions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
10. Balance Transfers: We will debit your Card account for the total approved balance transfer amount. A balance transfer request will be declined if the requested amount plus fees exceeds your available credit line. Total balance transfers cannot exceed $25,000.00 in a 180-day period. We will not initiate any balance transfers until at least ten days after we have mailed or otherwise provided the Business Loan Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all minimum payments on any account from which you are transferring balance until the balance transfer is credited to that account. You are responsible for maintained those accounts in good standing and for closing them if you choose. You authorize us to verify the status and balance of those accounts. Additional Cardholders may not request or authorize balance transfers. We reserve the right to deny a balance transfer request for any reason.
11. Rewards: In order to access Rewards, your account must be open and in good standing.