A Credit Card Worth Considering From a Company You Can Trust

Trust Must Be Earned

Many credit card companies promise one thing and deliver something less.  Our company philosophy is simple and longstanding--put the customer first, treat him honestly and work hard to earn and maintain his trust.  And we're pleased to put this commitment to you in writing.

Our Pledge to You

We won't increase your APR or change you a late fee the very day your payment is past due.
We won't "nickel and dime" you or use gimmicks that cost you money.
We won't telephone you, unless it concerns the use of your card.
We won't share your customer information with outside companies.
We will treat you as an individual, with dignity and respect.
We will continually strive to add value to your credit card by offering a variety of rewards and cost saving opportunities.
We will appreciate and respond to any feedback you give us that can help us serve you better.

True Value

2.9% APR for 6 billing cycles on Purchases and Balance Transfers
Fixed APR as low as 9.9% after that
� Earn Free Travel With No Annual Fee
  (See Disclosure Information)

Benefits that Matter

� Discounts from quality merchants when you shop with your card in stores or online.
� Access to your account information 24 hours a day, by phone and online.
� Freedom to pay your bill online.
� No liability for fraud charges made to your account.
� Free worldwide travel accident insurance ($1,000,000 for platinum $250,000 for classic).
� Free lost luggage insurance (up to $2,000 for platinum).
  (And more.. full details to be provided once you are a cardholder.)

Earn Free Travel Within 12 Months

By simply using your credit card to make a total of $3,000 in purchases within any consecutive 12 month period, you can earn a choice of free travel--including a free companion airfare, free companion cruise fare, or up to 7 free nights at select hotels.  And there's no annual program fee!
(Full details to be provided once you are a cardholder.)

Disclosure Information

Annual Percentage Rate (APR) for Purchases

A fixed rate of 2.9% for the first 6 billing cycles, after that a fixed rate of 9.9%, 11.9%, 13.9% or 16.9%.*
Other APRs Promotional Balance Transfer APR: a fixed rate of 2.9% for the first 6 billing cycles, after that the remaining balance will go to a fixed rate of 9.9%, 11.9%, 13.9%, or 16.9%.*

Cash Advance APR: 12.9%, 14.9%, 16.9% or 19.9%.*

Penalty APR: 21%.**
Grace period for repayment of balances for purchases 25 days when your new balance is paid in full by the due date.
Method of computing the balance for purchases Average Daily Balance (including new purchases)
Annual fees None
Transaction fee for cash advances: 3% of the amount advanced, ($5 minimum)
Transaction fee for balance transfers: 3% of the amount advanced, ($5 minimum, $35 maximum)
Late payment fee: $20
Over-the-credit-limit fee: $20

* Your APR for Purchases and Cash Advances will be determined when your account is opened based on our review of your current credit report and verification of your credit responsibility.  Promotional APRs are effective for the first 6 billing cycles after the account is opened.

** If your fail to make the minimum payment during two consecutive billing cycles, all APRs for your Account may increase to a fixed rate of 21% on all balances.

The Disclosure Information shown above is accurate as of February 1, 2003.  The information may have changed after that date.  To find out what may have changed, call us at 1-888-277-0444, or write to us at Card Services, P.O. Box 35460, Colorado Springs, CO 80935-3546.

California Residents:   After approval, each applicant shall have the right to use the credit card account up to the credit limit of the account.  Each applicant may be liable for amounts extended under the plan to any joint applicant.  The applicant, if married, may apply for a separate account.  Ohio Residents:   The Ohio laws against discrimination require that all creditors may 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.  New York and Vermont Residents:   By signing the application, you (applicant and co-applicant) authorize 5Star Bank to obtain your credit reports at any time for any legitimate purpose associated with the account or your application or request for an account, including but not limited to reviewing, modifying, updating, renewing, or extending credit, or collecting the name and address of the consumer reporting agency that furnished the report.  New York Residents:   You may contact the New York State Banking Department at 1-800-522-3330 to obtain a comparative listing of credit card rates, fees and grace periods.  Wisconsin Residents:   Wisconsin law provides that no provision of an agreement, unilateral statement or court decree applying to marital property will adversely affect a creditor's interest unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

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Banking Where It Belongs

Main Office
100 Hanover Street
Meriden, CT 06451

Castle Bank and Trust Company
Castle Bank and Trust Company

East Side Office
852 East Main Street
Meriden, CT 06450

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