CRYSTAL VISA INFINITE CARD (With City National Rewards ) Please carefully review Pricing Information and Terms & Conditions below. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Pricing Information 9.00% APR for Cash Advances 12.00% How to Avoid Paying Interest on Purchases 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. 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 Fees Annual Fee $400 Transaction Fees Cash Advance Foreign Transaction Penalty Fees Late Payment Returned Payment 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. 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). Terms & Conditions Authorization and Agreement: The words you and your refer to Applicant and any Co-Applicant named in the application for the credit card account, and the words CNB, we, or us refer to City National Bank. By submitting the application to us, you agree to all of the following: (1) The application is for a credit card account from City National Bank and you have received the above Pricing Information and these Terms & Conditions; (2) You certify that all of the information provided on or in connection with this application to us is complete, true and correct and you have the legal capacity to apply for the credit card account and enter into the Credit Card Agreement if your application if approved; (3) You authorize us to (a) verify or check any of the information given on or with this application (including any information regarding accounts, loans and assets that are maintained at City National Securities, Inc., Royal Bank of Canada, RBC Wealth Management, RBC Capital Markets, or any other affiliate of CNB), (b) obtain information from others to investigate your credit, (c) verify your employment, and (d) provide information about your transactions and experience with us to others; Page 1 of 5
(4) You authorize City National Securities, Inc., Royal Bank of Canada, RBC Wealth Management, RBC Capital Markets and any other affiliate of CNB to provide to CNB, from time to time, information regarding accounts, loans and assets that you maintain with such entities; (5) You authorize us to obtain consumer reports on you in connection with this application and agree that we may obtain subsequent consumer reports on you with any update, renewal, modification and extension of credit on your account, in connection with the administration, review and collection of your account, and for any other legitimate purpose associated with your account. If your ask, we will tell you whether a consumer credit report was obtained on you and if a report was obtained, the name and address of the consumer reporting agency that furnished it; (6) Before we approve you for a credit card account, we will review your credit report, the information you provide on the application, your credit and other banking experiences with us and our other criteria. We may ask you for additional information. Based on this review, we will determine the amount (if any) of credit to be extended. If you do not qualify for the Crystal Visa Infinite Card, you authorize us to consider you for a Visa Signature Card with City National Rewards or a Visa Platinum Card with City National Rewards, each of which has different pricing, including higher APRs, and benefits than the Crystal Visa Infinite Card with City National Rewards. For more information on the Visa Signature Card with City National Rewards and the Visa Platinum Card with City National Rewards, visit www.cnb.com or contact us at 1-800-773-7100; (7) If we open a credit card account for you, you will receive a Credit Card Agreement with your card(s), which agreement will govern your account. You agree to be bound by the terms of the Credit Card Agreement by using the account or any card or other access device, by authorizing their use, or by making any payment on the account; (8) You agree we have the right to change the rates (APRs), fees and other terms of your account at any time in accordance with the Credit Card Agreement and applicable law; and (9) You agree that if this is a joint application for the credit card account: (a) Applicant and Co-Applicant intend to apply jointly for the credit card account and information on both Applicant and Co-Applicant must be completed and submitted to us; (b) If Applicant is completing information on behalf of Co-Applicant, Applicant has the authority to do so and to apply for the credit card account in the name of both Applicant and Co-Applicant; and (c) If this application is approved, (i) each of Applicant and Co-Applicant shall have the right to use the account to the extent of the credit limit and may be liable for all amounts extended under the account to any joint applicant, and (ii) each of Applicant and Co-Applicant is personally responsible and liable for the payment of all transactions and amounts owed on the account, including all transactions made by any authorized users on the account and any other persons that you authorize to use the account. (10) If You are a client of RBC Wealth Management, you authorize us to advise RBC Representatives (as defined below) of the approval or declination of this application request. In addition, subject to our approval and issuance of a credit card account in connection with this application and any renewals and replacements of such account ( Credit Card Account ), you authorize the RBC Wealth Management Financial Advisor ( FA ) named on this application, and any other FA or other person(s), now or hereafter, handling your account(s) at RBC Wealth Management (each an RBCWM Representative ), and only while any such RBCWM Representative remains employed by RBC Wealth Management, to undertake certain actions on your behalf with respect to the Credit Card Account in order to facilitate routine servicing of your account, including but not limited to: (1) obtain your address(es), phone number(s), current balance, credit limit, reason for any specifically identified transaction declination, statement mail date, payment due date, payment transaction date and posting date, and last payment date and amount information from us, (2) notify CNB (and/or its credit card servicer) of any damaged, lost or stolen card(s) and request replacement card(s), which replacement cards will only be sent to the address shown in CNB s records for the Credit Card Account, (3) advise CNB to place a travel notification on the Credit Card Account, and (4) confirm automatic payment has been established (if applicable). You may rescind the authorization in this paragraph at any time by contacting us at 866-624-0942. The authorization in this paragraph does not permit RBCWM Representatives to undertake on your behalf any of the following actions with respect to the Credit Card Account: (A) add or remove a cardholder, (B) request a card for themselves, (C) change the credit limit, (D) request that a card be mailed to an alternate address, (E) engage in any transactions, (F) close the Credit Card Account, (G) remove a temporary block, (H) submit a transaction dispute, or (I) request a copy of a billing statement. For more information on City National Bank credit cards, please contact us at 1-800-773-7100 or visit Page 2 of 5
www.cnb.com. USA PATRIOT ACT: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government 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, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Notice to California Residents: If married, or you are a California registered domestic partner or its equivalent in another state, you may apply for a separate account. Notice to New York Residents: New York Residents may contact the New York State Department of Financial Services at by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. The telephone number is 1-800-342-3736 and the website address is www.dfs.ny.gov. Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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. Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of the adverse provision before your account is opened. All obligations under the credit card account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. If an account is opened for you, you must furnish your spouse s name and address by writing to us at Credit Card Operations, 555 South Flower Street, Twenty Second Floor, Los Angeles, CA 90071. Page 3 of 5
FACTS WHAT DOES CITY NATIONAL BANK AND CITY NATIONAL SECURITIES, INC. DO WITH YOUR PERSONAL INFORMATION? REV 08/2017 Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and credit history Assets and account transactions All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons City National chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. For our marketing purposes - to offer our products and services to you. Does City National share? Can you limit this sharing? For joint marketing with other financial companies. WE DON'T SHARE For our affiliates' everyday business purposes - information about your transactions and experiences. For our affiliates' everyday business purposes - information about your creditworthiness. For our affiliates to market to you. For nonaffiliates to market to you. WE DON'T SHARE To limit our sharing Questions? Call (800) 480-5443 - our menu will prompt you through your choice(s) or Visit us online: cnb.com/optout. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at anytime to limit our sharing. Call (800) 480-5443 or go to cnb.com/privacy. ID 18882E City National Bank is a subsidiary of Royal Bank of Canada. Page 4 of 5
Page 2 Who we are Who is providing this notice? What we do How does City National protect my personal information? How does City National collect my personal information? Why can't I limit all sharing? What happens when I limit sharing for an account I hold jointly with someone else? Definitions Affiliates Nonaffiliates Joint marketing City National Bank and City National Securities, Inc. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and secured offices or buildings. We collect your personal information, for example, when you: Open an account or apply for a loan. Use your credit card or debit card. Seek advice about your investments or direct us to buy securities. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only: Sharing for affiliates' everyday business purposes - information about your creditworthiness. Affiliates from using your information to market to you. Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Your choices will apply to everyone on your account - unless you tell us otherwise. Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include: Wealth Management Affiliates: City National Rochdale, LLC; Convergent Wealth Advisors, LLC; LMCG Investments, LLC; Mid-Continent Capital, LLC; RIM Securities, LLC; Symphonic Securities, LLC; Symphonic Financial Advisors, LLC; and Symphonic Insurance, LLC. Datafaction, LLC. Companies with the Royal Bank of Canada (RBC) or RBC name such as Royal Bank of Canada, RBC Wealth Management, RBC Capital Markets, LLC and RBC Bank (Georgia), N.A. Companies not related by common ownership or control. They can be financial and nonfinancial companies. City National does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing may include financial service companies. Other important information Nevada residents: If you are a Nevada resident, Nevada law allows us to place calls for marketing purposes to our existing clients. If you do not want to receive marketing calls from City National, you may be placed on our "Do Not Call" list by writing to City National Bank, Central Operations-Administration 22 nd Floor, 555 South Flower Street, Los Angeles, CA 90071, emailing https://www.cnb.com/sitepages/contactus.aspx, or calling (800) 998-0841. Nevada residents may obtain more information by writing to the Bureau of Consumer Protection; Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101,calling (702) 486-3132, or emailing BCPINFO@ag.state.nv.us. Vermont: We automatically treat customers with a Vermont mailing address as having limited sharing with our affiliates as provided on page one. Trust accounts for which City National is the trustee are protected under special rules of confidentiality. Trust account information is not shared for marketing purposes without specific consent. Page 5 of 5