Citizens Trust Bank VISA® GOLD Credit Card Rates and Fees

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	7.25% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	7.25% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	7.25% This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	21.00% This APR may be applied to your account if you make a late payment How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 and balance transfers on the transaction date.
Minimum Interest Charge	If you are charged 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 Cash Advance Foreign Transaction	There is no balance transfer fee for this card. $1.50 is the fee for each cash advance. There is not a foreign transaction fee for this card.
Penalty Fees Late Payment Fees Over-the-Credit Limit Returned Payment	Up to $30.00 Up to $30.00 Up to $32.00
Other Fees Statement Reprint Fee Card Replacement Fee	$15.00 per statement $15.00 per card replaced within 12 month period

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.

The information contained in this disclosure is updated regularly, but may have changed since the last publication. To determine what provisions may have changed, you may write to us at Citizens Trust Bank, Attention: Loan Administration Department, P.O. Box 4485, Atlanta, Georgia 30302 or call us at our toll
free number 1-888-214-3099.

I understand the Credit Card Terms and Conditions