Royal Heritage Commercial Bank Advance Mastercard® credit card

† Summary of Terms can be accessed here

Royal Heritage Commercial Bank Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure can be accessed here

Royal Heritage Commercial Bank Advance Mastercard® credit card Rewards & Benefits brochure can be accessed here

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 or entity that opens an Account.

What this means for you: If you open a personal Account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

To apply for an Royal Heritage Commercial Bank Advance Mastercard® credit card, you must have an existing Global Royal Heritage Commercial Bank Advance¹ or Premier² checking account relationship.

To apply for an Royal Heritage Commercial Bank Advance Mastercard® credit card, you must have an existing Global Royal Heritage Commercial Bank Advance¹ or Premier² checking account relationship.

I have an Royal Heritage Commercial Bank Advance or Premier checking account relationship.

I do not have an Royal Heritage Commercial Bank Advance or Premier checking account relationship.

Applying to become an Royal Heritage Commercial Bank Advance¹ or Premier customer² has many benefits beyond access to the Royal Heritage Commercial Bank Advance Mastercard® credit card.

1 Royal Heritage Commercial Bank Advance Mastercard® requires a Global Royal Heritage Commercial Bank Advance or Premier relationship. For a complete list of Royal Heritage Commercial Bank Advance Relationship eligibility requirements please visit https://www.royalheritagecommercial.com/advance/ or speak with an Royal Heritage Commercial Bank Branch Representative.

2 Royal Heritage Commercial Bank Premier World Mastercard® requires a Global Royal Heritage Commercial Bank Premier relationship. For a complete list of Royal Heritage Commercial Bank Premier Relationship eligibility requirements please visit https://www.royalheritagecommercial.com/premier or speak with your Relationship Manager.

3. For the first $25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar on dining and entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first year, whichever comes first, you will earn two (2) points per dollar on dining and entertainment purchases, and one (1) point per dollar on all other purchases. Points do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your Royal Heritage Commercial Bank Advance Mastercard® credit card must be open and in good standing in order to earn points.

4. The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call info@royalheritagecommercial.com. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks for the Royal Heritage Commercial Bank Advance Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts, and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Foreign Transaction Fee. A $0 Annual Fee will apply for Royal Heritage Commercial Bank Advance Mastercard® credit card Account customers who have a qualifying Global Royal Heritage Commercial Bank Advance¹ or Global Royal Heritage Commercial Bank Premier² checking account relationship. A $45 Annual Fee will apply for Royal Heritage Commercial Bank Advance Mastercard® credit card Account customers who no longer have a qualifying Global Royal Heritage Commercial Bank Advance¹ or Global Royal Heritage Commercial Bank Premier² checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. See Summary of Terms for details.

5. All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, Royal Heritage Commercial Bank , N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

6. Customers can choose to receive cash back redemptions as a direct deposit into their Royal Heritage Commercial Bank , N.A. Checking or Savings Account, or as a statement credit on their Royal Heritage Commercial Bank Credit Card. For complete eligibility details, refer to the Royal Heritage Commercial Bank Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure, which will be supplied to all new customers following the receipt of their card.

7. Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard®, or Royal Heritage Commercial Bank Bank USA, N.A. Please see the Royal Heritage Commercial Bank Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure, which is provided to all new customers following the receipt of their card.

Royal Heritage Commercial Bank Advance Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and require a Global Royal Heritage Commercial Bank Advance or Premier relationship. To learn more, speak with an Royal Heritage Commercial Bank branch representative.

Deposit products offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

*Investments and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC.

HSI is an affiliate of Royal Heritage Commercial Bank , N.A.

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