Terms and Conditions of Royal Caribbean

Terms and Conditions of Royal Caribbean

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Credit Card Disclosure

†Details of Rate, Fee and Other Cost Information

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including fees and the APRs for new transactions, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason. You should thoroughly review all the materials in this package so that you are fully informed about your credit card loan.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 12.99% to 22.99%, based on your creditworthiness when you open your account.

After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 12.99% to 22.99%, based on your creditworthiness when you open your account.

After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances 22.99% for Direct Deposit and Check Cash Advances, and
24.99% for Bank Cash Advances. See footnotes Footnote 1 and Footnote 2 for explanation.

These APRs will vary with the market based on the Prime Rate.
Penalty APR
and When it Applies
Up to 29.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

This APR may be applied to new transactions on your account if you:
Make a late payment.

How Long Will the Penalty APR Apply?: If your APRs are increased, the Penalty APR will apply indefinitely.

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 $1.50.
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
Annual Fee None
Transaction Fees
• Purchases Purchases of wire transfers from a non-financial institution:
Either $10 or 5% of the amount of each transaction, whichever is greater.
• Balance Transfers Either $10 or 3% of the amount of each transaction, whichever is greater.
• Cash Advances Direct Deposit and Check Cash Advances:
Either $10 or 3% of the amount of each transaction, whichever is greater.

ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances:
Either $10 or 5% of the amount of each transaction, whichever is greater.

Overdraft Protection Cash Advances (if enrolled):
$10 for each transaction (not assessed if checking account overdrawn by less than $10).
Foreign Transactions
3% of the U.S. Dollar amount of each transaction made in a foreign currency or made in U.S. Dollars that is processed outside the United States.
This fee will be in addition to any other applicable fee.
Penalty Fees
• Late Payment Up to $35
• Returned Payment Up to $25
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.


Any Direct Deposits completed at the time your application is processed will be Balance Transfers.

Bank Cash Advances include ATM, Over-the-Counter, Same-Day Online, Overdraft Protection, Returned Payment and Cash Equivalent (money orders, foreign currency, and travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips and bail bonds) Cash Advances.

More Information about Penalty Fees and Penalty APR
Penalty Fees: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed; $35 for subsequent occurrences that are within 6 billing cycles of a previous occurrence. However, the Late Payment Fee will not exceed the total minimum payment that was due. If your balance is $100 or less on the Payment Due Date, we will not assess a Late Payment Fee. The Returned Payment Fee will not exceed the total minimum payment that was due.
Penalty APR: Your Penalty APR will not exceed 29.99% on new transactions. There is no Penalty APR on existing balances.

CONDITIONS
By submitting this application, you: (1) acknowledge that you have reviewed the credit card Terms and Conditions; (2) agree to submit your application for this credit card subject to those Terms and Conditions; and (3) authorize us to use the information in your application, and any other information we or our affiliates have about you, to determine your ability to pay, as required by Federal law.

You have read the accompanying application, and you affirm that everything you have stated is true and complete. You are at least 18 years of age or you are at least 21 years of age if a permanent resident of Puerto Rico. You authorize FIA Card Services, N.A. (hereinafter “us” or “our”) to obtain your credit report(s), employment history and any other information in order to approve or decline this application, service your account, and manage our relationship with you. You consent to our sharing of information about you and your account with the organization, if any, endorsing this credit card program. You authorize us to share with others, to the extent permitted by law, such information and our credit experience with you. In addition, you may as a customer later indicate a preference to exempt your account from some of the information-sharing with other companies (“opt-out”). If you accept or use an account, you do so subject to the terms of this application, the “Details of Rate, Fee and Other Cost Information” and the Credit Card Agreement, as it may be amended; you also agree to pay all charges incurred under such terms. Any changes you make to the terms of this application will have no effect. You understand that if your application is approved with a credit line of $5,000 or greater, you will receive a Visa Signature® account; if your credit line is less than $5,000, you will receive a Platinum Plus® account. The benefits for Platinum Plus accounts differ from Visa Signature accounts. You also understand that the Annual Percentage Rate you receive will be determined based on your creditworthiness. You understand that only a portion of your Total Credit Line will be available for Bank Cash Advances. You accept that on a periodic basis your account may be considered for automatic upgrade at our discretion. You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your phone conversations with any of our representatives. If additional development is necessary based on the application information provided, we will make every attempt to contact you.

FEATURES

MyCruiseSM Rewards Program Information. The MyCruise Points Rewards program is offered by and at the sole discretion of Royal Caribbean Cruises Ltd., Celebrity Cruises, Inc., and Azamara Club Cruises. The Rewards Program is administered by FIA Card Services, N.A. FIA Card Services, N.A. is the issuer and the administrator of all Royal Caribbean Visa®, Celebrity Cruises Visa® and Azamara Club Cruises Visa® credit card accounts. Participants are automatically enrolled in the rewards program at no additional cost. Cardholders earn MyCruise Points based on the volume of new net retail purchase transactions (i.e., purchases less credits, returns and adjustments) charged to the Card during each periodic billing cycle (the “Month”) by the Participant(s) (“Net Purchase(s)”). There are two earnings rates. You earn one (1) MyCruise Point for every one U.S. dollar (US $1) in Net Purchases made with the Card anywhere it is accepted. You earn a total of two (2) MyCruise Points (consisting of one base MyCruise Point and one bonus MyCruise Point) for every one U.S. dollar (US $1) in Net Purchases made with the Card in connection with products or services obtained through Royal Caribbean, Celebrity and Azamara. For any transaction to qualify for the latter rate, a Royal Caribbean, Celebrity or Azamara ship name or Royal Caribbean, Celebrity or Azamara must be identified as the merchant and appear as such on the periodic billing cycle statement (the “Statement”) sent to you by us. MyCruise Points are calculated at each transaction. Fractions of MyCruise Points greater than .50 are rounded up and less than or equal to .50 are rounded down. You will earn MyCruise Points when you purchase your Royal Caribbean, Celebrity or Azamara cruise arrangements using the Card; however, the value of any MyCruise Points which may be used toward the purchase of cruise arrangements are ineligible for MyCruise Points earnings. Each Calendar Year, you may earn a maximum of five hundred forty thousand (540,000) MyCruise Points on qualifying transactions posting from January 1st through December 31st. MyCruise Points accumulate for a maximum of sixty (60) Months from when they are first posted to the account (the Posting Date is not the same as the Transaction Date.) This means that over the course of those 60 months (approximately 5 years), you may accumulate and redeem a maximum of two million seven hundred thousand (2,700,000) MyCruise Points. MyCruise Points may be redeemed for a MyCruise Reward by logging into your account at RoyalCaribbean.com/MyCruiseRewardsOnline. MyCruise Points cannot be redeemed if the account is not in good standing at the time of redemption. Other significant terms apply. Program subject to change. Details accompany new card account materials.

Bonus Points Offer. You will qualify for 10,000 one-time new Cardholder Bonus Points in addition to your basic Points if you use your new credit card account to make at least one transaction that posts to your account no later than 65 days after the account after the account is opened. This one-time promotion is limited to new customers opening an account in response to this offer. Other advertised promotional bonus points offers can vary from this promotion and may not be substituted. Bonus Points are credited to your account approximately 6-8 weeks after you qualify and they will count towards your maximum Yearly Points earnings limits. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither Royal Caribbean, Bank of America, its affiliates, nor their employees provide tax advice.

Discounted Companion Airfare Offer. Cardholders will receive a discounted companion airline certificate good for two coach class, roundtrip airline tickets at a discounted price. 14-day advance purchase required. Fares subject to change without notice. Selection of airline varies by market. Airline service is not available in all markets. The discounted companion ticket is only available for travel in the continental U.S. on fares offered through Promotions in Travel LTD. Normal taxes and fees charged by the airline will apply to both tickets. Platinum Plus accounts are not eligible for this bonus offer. See complete terms and conditions sent with registration form. Additional restrictions may apply. Federal law prohibits students from receiving a premium.

Account Alerts. Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider. Mobile App alerts are not available on select devices.

Text Banking. Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.

Mobile Banking. To access Online or Mobile Banking, you must enroll in the service. Once enrolled, the same Online ID and passcode can be used to access both Online and Mobile Banking. View the Online Banking Service Agreement for more information about both Mobile and Online Banking. Wireless carrier fees may apply. Enrollment not available through the Mobile App on all devices.

$0 Liability Guarantee. The $0 Liability Guarantee covers fraudulent purchases and payments made by others using your account. To be covered, don’t share personal or account information with anyone. Claims may only be filed by accountholder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.

Card Benefits. Certain restrictions apply to each benefit. Platinum Plus® card benefits differ from Visa Signature® card benefits (i.e., coverage amounts vary and some benefits are not available). Details accompany new account materials.

Overdraft Protection. Overdraft transfers to your Bank of America checking account from your eligible credit card account will be Bank Cash Advances under your Credit Card Agreement. Transfers will be subject to the terms of both your Credit Card Agreement and the account agreement(s) and disclosures governing your Bank of America checking account. If you link your Bank of America checking account to your credit card for Overdraft Protection, we will automatically transfer funds in multiples of $100 from your credit card account to cover any overdraft on your checking account, as long as the portion of credit available for cash on your credit card account is sufficient and you are not in default under your Credit Card Agreement. A fee of $10 will apply for each transaction. The fee will not be assessed if your checking account is overdrawn by a total amount less than $10, after we finish processing for the day. The Bank Cash Advance will accrue interest at the APR stated in your Credit Card Agreement. If the portion of credit available for cash on your credit card account is insufficient to cover the amount required by the overdraft (in the multiple of funds stated above), we may advance the funds even if it causes your credit card account to exceed your Cash Credit Line. Linking Overdraft Protection from your Bank of America checking account to your credit card will end any Overdraft Protection connections to your Bank of America savings account. Please see your Credit Card Agreement for additional details.

BALANCE TRANSFERS
If the total amount you request exceeds your Total Credit Line, we may send full or partial payment to your creditors in the order you provide them to us. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur interest charges from the transaction date. If you revolve your balance to take advantage of a promotional or introductory offer, all transactions and balances, including purchases, will be charged interest. The Balance Transfer fee is 3% of the amount of the transaction (min. $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.

The information contained in these disclosures is updated regularly, but may have changed since the last update.

The Bank of America® Privacy Notice is available at www.bankofamerica.com and accompanies the credit card.

This credit card program is issued and administered by FIA Card Services, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Any account opened in response to this application shall be governed by the laws of the State of Delaware. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A. Inc. Platinum Plus is a registered trademark of FIA Card Services, N.A. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. Royal Caribbean International ®, Celebrity Cruises®, Azamara Club Cruises®, MyCruiseSM Rewards and MyCruiseSM Points are service marks of Royal Caribbean Cruises Ltd.
© 2014 Bank of America Corporation