INTEREST RATE AND INTEREST CHARGES
| Feature | Value / Description |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 0.00% |
| APR for Balance Transfers | N/A |
| APR for Cash Advances | N/A |
| Paying Interest | You will not be charged interest on purchases. Your due date for payment of amounts owed on your Card is 21 days after the close of each billing cycle. |
| Minimum Interest Charge | There is no interest chargeable to this Credit Card. |
| 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
| Fee Category | Fees |
|---|---|
| Annual Fees | $0 |
| **Transaction Fees | |
| • Balance Transfer | |
| • Cash Advance | |
| • International Transaction | |
| • ATM Withdrawal | |
| • Declined Transaction Fees** | |
| • **N/A | |
| • None | |
| • 1% of each transaction in U.S. dollars. | |
| • USD 2 + 2% per withdrawal | |
| • Up to USD 0.5 per declined transactions** | |
| **Penalty Fees | |
| • Late Payment | |
| • Over the Credit Line | |
| • Returned Payment** | |
| • 2% of the current outstanding card balance | |
| • **None | |
| • None** |
How We Will Calculate Your Balance: We use a method called "average daily balance". See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Regulations.
Military Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act – other governmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required by the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Arbitration Clause; Notices: PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN THE SECTION TITLED DISPUTE RESOLUTION AND ARBITRATION. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.
This Elios Cardholder Agreement (“Agreement”) is a binding agreement between you (“you” or “your”) and the Issuer (“we”, “us,” or “our”) that governs your use of the card account (“Account”) and Elios card (“Elios Card” or “Card”). The Elios Card is provided to you on behalf of Elios in connection with your status as a Elios user and pursuant to your separate Terms of Service between you and Elios (the “User Terms”). The issuer is not a party to the Elios Terms of Service and disclaim any liability for the performance of services covered therein.
The term “Card” means any card we issue associated with your Account, including renewal and substitute cards. The term “Card” also means any other access device that allows you to obtain Account credit from us, including your Account number. Other capitalized terms that are not defined here are generally defined the first time we use those terms. The term “Issuer” refers to Third National, including its affiliates, successors, and assigns. The term “Supported Blockchain” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks. We may update this list of Supported Blockchains at any time and at our sole discretion.
The terms "you" and "your" mean each and all of the persons who are granted, accept or use the Account and any person who has guaranteed payment of the Account.
We reserve the right to amend this Agreement or impose additional obligations or restrictions on you at any time with or without notice to you, except where required by applicable law. By continuing to use the Cards, you agree to be bound by such amendments or additional obligations or restrictions. We may send this notice to you electronically, as permitted by law. If any amendment to this Agreement allows you to reject such amendment, and if you reject the amendment in the manner described in such amendment, we may terminate your Account. If an amendment to this Agreement increases the applicable Interest Charges applicable to your Account, any existing unpaid balances may be subject to such increase to the Interest Charges.
You agree that this Agreement becomes effective the first time you use any Card or the Account. You agree that you were not solicited for this product. You also agree that we may keep and use an image or copy of the Agreement to enforce its terms against you. When the Agreement states we “may” take an action, it means we are authorized to take that action in our sole discretion, subject only to any limitations or requirements established by law and the express terms of the Agreement. Please read this Agreement carefully and keep them for future reference. We may make new offers to you in the future or forward offers from others that may interest you. If these offers have new or different terms, those terms will be provided with the offer. If you accept the offer, the previously disclosed terms in the Agreement will still apply, except as modified by the offer.
Elios provides technology services in connection with the Elios Card, and is not a bank, credit union, or money services business and does not itself extend credit, set interest rates, determine repayment terms or hold Collateral. Nothing in this Agreement shall be construed as creating a lender-borrower relationship between you and Elios.
You acknowledge and agree that Elios: