Common use of Billing Rights Clause in Contracts

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. See “Your Billing Rights” section for further details. Minimum Payment: The payment amount will be any amount past due plus the greater of $25.00 or 5% of the new balance shown on your billing statement. Periodic Rates: Cashback – The daily periodic rate for the Purchase APR is 0.03559%. The daily periodic rate for the Introductory Balance Transfer APR is 0%, and for the Non-Introductory Balance Transfer APR 0.03559%. The daily periodic rate for the Cash Advance APR is 0.05203%. Consumer Classic – The daily periodic rate for the Purchase APR is 0.04107%. The daily periodic rate for Balance Transfer APR is 0.04107%. The daily periodic rate for the Cash Advance APR is 0.05753%. Consumer Cashback Information How do I earn cashback? You earn cashback by using your credit card to make purchases. You will earn 3% cash back on gas purchases. Gas purchases are those made at merchants classified as gas stations. You will earn 1% cash back on all other net purchases (purchases minus any returns or credits). You will not earn rewards on cash advances, balance transfers, convenience checks used to access your account or any cash received with a purchase at the point of sale. Will my rewards ever expire? Cashback rewards have no expiration date. If your account is closed, you will lose any rewards you have not redeemed. If you fail to make two (2) minimum payments by the due date in a sixty (60) day period of time, any cash back yet to be redeemed will be forfeited. Is there a limit to the amount of cashback I can earn? No. How do I redeem my cashback? You may request to have your cashback credited to your credit card balance at any time by completing the cashback redemption form via online banking or contacting a Relationship Banker at 0-000-000-0000.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. See “Your Billing Rights” section for further details. Minimum Payment: The payment amount will be any amount past due plus the greater of $25.00 or 5% of the new balance shown on your billing statement. Periodic Rates: Cashback – The daily periodic rate for the Purchase APR is 0.03559%. The daily periodic rate for the Introductory Balance Transfer APR is 0%, and for the Non-Introductory Balance Transfer APR 0.03559%. The daily periodic rate for the Cash Advance APR is 0.05203%. Consumer Classic – The daily periodic rate for the Purchase APR is 0.04107%. The daily periodic rate for Balance Transfer APR is 0.04107%. The daily periodic rate for the Cash Advance APR is 0.05753%. Consumer Cashback Information How do I earn cashback? You earn cashback by using your credit card to make purchases. You will earn 3% cash back on gas purchases. Gas purchases are those made at merchants classified as gas stations. You will earn 1% cash back on all other net purchases (purchases minus any returns or credits). You will not earn rewards on cash advances, balance transfers, convenience checks used to access your account or any cash received with a purchase at the point of sale. Will my rewards ever expire? Cashback rewards have no expiration date. If your account is closed, you will lose any rewards you have not redeemed. If you fail to make two (2) minimum payments by the due date in a sixty (60) day period of time, any cash back yet to be redeemed will be forfeited. Is there a limit to the amount of cashback I can earn? No. How do I redeem my cashback? You may request to have your cashback credited to your credit card balance at any time by completing the cashback redemption form via online banking or contacting a Relationship Banker Banking Specialist at 0-000-000-0000.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. See “Your Billing Rights” section for further details. Minimum Payment: The payment amount will be any amount past due plus the greater of $25.00 or 5% of the new balance shown on your billing statement. Periodic Rates: Cashback – The daily periodic rate for the Purchase APR is 0.03559%. The daily periodic rate for the Introductory Balance Transfer APR is 0%, and for the Non-Introductory Balance Transfer APR 0.03559%. The daily periodic rate for the Cash Advance APR is 0.05203%. Consumer Classic – The daily periodic rate for the Purchase APR is 0.04107%. The daily periodic rate for Balance Transfer APR is 0.04107%. The daily periodic rate for the Cash Advance APR is 0.05753%. Printed: November 2020 Consumer Cashback Information How do I earn cashback? You earn cashback by using your credit card to make purchases. You will earn 3% cash back on gas purchases. Gas purchases are those made at merchants classified as gas stations. You will earn 1% cash back on all other net purchases (purchases minus any returns or credits). You will not earn rewards on cash advances, balance transfers, convenience checks used to access your account or any cash received with a purchase at the point of sale. Will my rewards ever expire? Cashback rewards have no expiration date. If your account is closed, you will lose any rewards you have not redeemed. If you fail to make two (2) minimum payments by the due date in a sixty (60) day period of time, any cash back yet to be redeemed will be forfeited. Is there a limit to the amount of cashback I can earn? No. How do I redeem my cashback? You may request to have your cashback credited to your credit card balance at any time by completing the cashback redemption form via online banking or contacting a Relationship Banker at 0-000-000-0000.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. See “Your Billing Rights” section for further details. Minimum Payment: The payment amount will be any amount past due plus the greater of $25.00 or 5% of the new balance shown on your billing statement. Periodic Rates: Cashback – The daily periodic rate for the Purchase APR is 0.03559%. The daily periodic rate for the Introductory Balance Transfer APR is 0%, and for the Non-Introductory Balance Transfer APR 0.03559%. The daily periodic rate for the Cash Advance APR is 0.05203%. Consumer Classic – The daily periodic rate for the Purchase APR is 0.041070.04655%. The daily periodic rate for Balance Transfer APR is 0.041070.04655%. The daily periodic rate for the Cash Advance APR is 0.05753%. Printed: April 2021 Consumer Cashback Information How do I earn cashback? You earn cashback by using your credit card to make purchases. You will earn 3% cash back on gas purchases. Gas purchases are those made at merchants classified as gas stations. You will earn 1% cash back on all other net purchases (purchases minus any returns or credits). You will not earn rewards on cash advances, balance transfers, convenience checks used to access your account or any cash received with a purchase at the point of sale. Will my rewards ever expire? Cashback rewards have no expiration date. If your account is closed, you will lose any rewards you have not redeemed. If you fail to make two (2) minimum payments by the due date in a sixty (60) day period of time, any cash back yet to be redeemed will be forfeited. Is there a limit to the amount of cashback I can earn? No. How do I redeem my cashback? You may request to have your cashback credited to your credit card balance at any time by completing the cashback redemption form via online banking or contacting a Relationship Banker at 0-000-000-0000.