Platinum Visa Credit Card Disclosure
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 13.50%This APR will vary with the market based on the Prime Rate.* |
| APR for Balance Transfers | 13.50%This APR will vary with the market based on the Prime Rate.* |
| APR for Cash Advances | 13.50%This APR will vary with the market based on the Prime Rate.* |
| How to Avoid 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 $1.00. |
| 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 https://www.consumerfinance.gov/learnmore. |
| Fees | |
|---|---|
Set-up and Maintenance Fees
| None |
Transaction Fees
| $5.00 Up to 1% of the transaction amount. |
Penalty Fees
| Up to $35.00 Up to $15.00 |
How We Will Calculate your Balance: The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 365 and applying to the “average daily balance”. To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the average daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the terms and conditions mailed upon approval of your card(s).
Authorization: Terms governing the use of your card will be delivered upon approval of your card(s). By using the account or any card, authorizing their use, or making any payment on the account, you agree to be bound by these terms.
*The rate will be determined by adding a regular margin of 5.00% to the Prime Rate published in the “Money Rates” column of the Wall Street Journal on the 10th falls on a day the Wall Street Journal does not publish, the last publishing day preceding the 10th). Any change in the rate will go into effect on the first day of the following month, and may result in an increase or decrease in the FINANCE CHARGE imposed on your account.
The information about the costs of the card described in this application is accurate as of September 2023, when it was printed. This information may have changed after that date. To find out what may have changed, call us at 1-800-262-4663 or write to us at: The Citizens National Bank of Bluffton, 102 S. Main St., Bluffton, OH 45817.
09/2023
| FACTS | WHAT DOES CITIZENS NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | 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. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Citizens National Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Citizens National Bank share? | Can you limit this sharing? |
|---|---|---|
| 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 | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We Don't Share |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | We Don't Share |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | We Don't Share |
| For our affiliates to market to you | No | We Don't Share |
| For nonaffiliates to market to you | No | We Don't Share |
| Questions? | Call 800-262-4663 or go to www.cnbohio.com |
| What we do | |
|---|---|
| How does Citizens National Bank protect my personal information? | 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 buildings. |
| How does Citizens National Bank collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
| Google reCAPTCHA | Citizens National Bank uses Google reCAPTCHA to protect their forms from spam. View Google reCAPTCHA’a Privacy and Terms for more information |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Rev. 11/2010