Important Disclosures

Information on this disclosure was accurate as of December 1, 2023. This card will be issued and administered by Citizens Alliance Bank. Each applicant must be at least 18 years of age. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. 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.

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.

NOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be requested or utilized in connection with an update, renewal, or extension of the credit for which application was made. Upon request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. You agree that we will consider this Application for a Visa® account. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults may be reflected in your credit report.

Important Information About Procedures for Opening a New Account: To help the governme nt fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, street address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

State Law Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be liable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York state department of financial services telephone: (800)342-3736 and website: www.dfs.ny.gov. Ohio Residents: The Ohio law againstdis crimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70, adversely affects the creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the credit card for which you are applying is granted, you will notify Citizens Alliance Bank if you have a spouse who needs to review notification that credited has been extended to you.

Applicable Law: The above rates and fees, your Cardholder Agreement, and your account are governed by the applicable laws and regulations of the United States of America and to the extended not preempted by the federal law, the laws, and the regulations of the State of Minnesota.

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the balance(s) to your Citizens Alliance Bank account. Please continue to make at least minimum payments on your other credit cards until they notify you that the balances have been transferred. If the amounts you requested to be transferred do not satisfy the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer requests cannot exceed the amount of your credit line. You may not transfer balances from other accounts issued by Citizens Alliance Bank. Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of complete, legible balance transfer requests.

Rewards: In order to access Rewards, your account must be open and in good standing.

12/2023