b'9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nSIMMONS BANK VISA CREDIT CARD AGREEMENT\nSimmons Visa, Simmons Signature Visa, Simmons Red Rewards VISA\nYou should thoroughly review and retain a copy of this Agreement and the Account Documents. This Agreement, the\nSummary of Rates and Terms which is incorporated into this Agreement, and all other Account Documents, as defined\nbelow, govern the terms and conditions of your credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) issued by Simmons Bank.\n\xe2\x80\x9cSummary of Rates and Terms\xe2\x80\x9d are defined as the credit card tabular format of Truth in Lending Act disclosure\nrequirements that promote informed use of consumer credit about our credit card\xe2\x80\x99s terms and cost. These disclosures\nmay have been received by you as \xe2\x80\x9cApplication Disclosures;\xe2\x80\x9d \xe2\x80\x9cAccount Opening Disclosures;\xe2\x80\x9d or \xe2\x80\x9cCredit Card\nDisclosures.\xe2\x80\x9d If you did not receive a table with the headings of \xe2\x80\x9cInterest Rates and Interest Charges\xe2\x80\x9d and \xe2\x80\x9cFees\xe2\x80\x9d for\nretention with your credit card Account Documents, please contact us immediately.\nAs used in this Agreement, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant and co-applicant for the Account, any person\nresponsible for paying the Account, and any person to whom we issue a Card at your request. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d\nmean Simmons Bank (located in Pine Bluff, Arkansas) and its successors, and assignees. \xe2\x80\x9cAccount Documents\xe2\x80\x9d means\nthis Agreement, the Summary of Rates and Terms, all statements, the terms and conditions of any rewards program\napplicable to your Account; the privacy notice of Simmons Bank, all disclosures and materials provided to you before or\nwhen you opened your Account or at the time of application, the card mailer delivered with your Card, and any other\ndocuments or disclosures relating to your Account that we provide, as well as all amendments or changes to each of the\npreceding documents. With the exception of account statements, you may find current versions of each Account\nDocument at simmonsbank.com/bank/credit-cards or by contacting Simmons Bank by telephone at 1-800-272-2102 or\nby mail at Simmons Bank, P.O. Box 6609, Pine Bluff AR 71611. Your Account statements are available by logging in to\nyour Account at www.simmonsbankcards.com or by contacting Simmons Bank at 1-800-272-2102.\nYou agree to be bound by this Agreement and the Account Documents upon executing, authorizing or submitting an\napplication to us or upon your use of the Account or any Card associated with your Account. Your consent to any\nAccount Document you receive following your application is evidenced by your use of the Account or any Card\nassociated with your Account following receipt of the document. This Agreement and the Account Documents become\neffective immediately upon the approval of your Account by us.\n\nUSING YOUR ACCOUNT\nYou may use your Account and Card to make purchases or obtain cash advances by presenting your Card to\nparticipating merchants or establishments, including certain automated teller machines (ATMs) where the Card is\naccepted. You may also use your Account to make cash advances or transfer balances from other creditors in\nconnection with convenience checks, offers or other programs we may offer from time to time, pursuant to the terms we\nprovide you with in connection with of any of these items.\nYou agree to use your Account only for personal, family or household purposes. Your Account may be used only for\nvalid and lawful purposes. If you use, or allow someone else to use, your Card and Account for any other purpose or for\nany illegal purpose, you will be responsible for this use and may be required to reimburse us for all amounts or expenses\nwe pay as a result of such use.\nUnless prohibited by applicable law, we may, from time to time, limit the type, number or dollar amounts of any\ntransactions when using the Account. We may also terminate or suspend your use of your Account or Card without\nnotice unless prohibited by applicable law. We may decline to authorize a transaction for any reason. By way of example\nand not as limitation, we will not authorize any transaction that is identifiable as being related to gambling nor will we\nauthorize the use of your Account for the purchase of money orders, traveler\xe2\x80\x99s checks, wire transfers or foreign currency\npurchases. We may permit the use of your Account to obtain cash advances for these purposes. We are not responsible\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n1/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nfor any losses you incur if we do not authorize a transaction nor are we responsible for any losses you incur if a\nmerchant or establishment refuses to accept your Card. You may not use the Card or your Account for any illegal\ntransaction or any gambling transaction. We will decline identifiable gambling transactions.\nPromise to Pay. By using your Card or your Account, you promise to pay us for all transactions made on your Account,\nas well as any fees, interest charges or other charges. If this is a joint account, each of you, together and individually, is\nresponsible for all amounts owed, even if only one of you uses the Account.\nYou are liable for all charges, cash advances, interest, fees, and other costs that accrue or arise from the use of your\nCard or Account, except with respect to any unauthorized use for which you will not be liable as described in the\nfollowing paragraph. You will be liable for any use of your Card or Account by any person to whom you knowingly, and\nwith consent, give your Card or PIN.\nUnauthorized Use. You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you\nbelieve someone is using your Account or Card without your permission. If you notice the loss or theft of your Card or a\npossible unauthorized use of your Card or Account, you should contact us immediately at 1-800-272-2102.\nYou will not be liable for any unauthorized use of your Card that occurs after you notify us. If we reimburse you for\nunauthorized transactions, we ask that you assist us in investigating, pursuing and getting reimbursement from the\nwrongdoer.\nCredit Limits. When you open your Account, we will tell you your credit limits. Your credit limit and your available\nbalance will also appear on your statement. We may give you different credit limits for the different balances in your\naccount in addition to an overall credit limit. We may increase or decrease your credit limit or your cash advance limit at\nany time, without notice. You are required to keep your Account balance at or below your credit limit(s). If your credit\nlimit(s) is exceeded in any manner, we may refuse to honor Card transactions and you will be liable for all purchases and\nborrowings made in exceeding the credit limit(s). We may honor transactions above your credit limits, but if we do,\nthese transactions will not increase your credit limit(s). We have the right to require you to immediately pay the amount\nthat exceeds your credit limit. In addition, you will be in default under this Agreement.\n\nINTEREST AND FEES\nInterest Charges. Interest charges start to accrue on cash advances, convenience checks and balance transfers from the\ntransaction date. Interest charges for purchases generally will start to accrue from the transaction date, however, no\ninterest charges will be imposed on new purchases if the entire balance in your Account is paid by the due date each\nmonth. If you do not pay the entire balance on your Account, interest charges will be imposed until you pay the entire\nbalance on your Account.\nWe calculate the interest charge on your Account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\nAccount. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the beginning balance of your account each day, add any new\npurchases, advances, fees and unpaid interest charges, and subtract any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the statement cycle and divide the total by the number of days in the\nstatement cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nYour account has a variable rate, also known as the annual percentage rate or APR, indexed on the Prime Rate. Your rate\nwill increase if the Prime Rate increases but will only change one time per statement cycle. If the Prime Rate increases,\nyou may pay more interest and may have a higher minimum payment due. Changes in APRs (increases or decreases)\ndue to changes in the Prime Rate will be effective on the first day of your next statement cycle beginning at least two\ndays after the change in the Prime Rate. The Prime Rate is the prime rate published in the Money Rates column of The\nWall Street Journal in effect for the second business day prior to the beginning of each statement cycle.\nTransactions on your Account will be added to one of three separate balances maintained in your Account depending\non the nature of the transaction. Purchase transactions are aggregated to the purchase balance. Cash advances,\nincluding advances made by using ATM machines or convenience checks, are aggregated to the cash advance balance.\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n2/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nBalance transfers are aggregated to the balance transfer balance. Each of these three balances are aggregated to\nidentify your total outstanding balance. We may impose different variable rates for each of the purchase balance, the\nbalance transfer balance, and the cash advance balance. The applicable interest rates, as well as the identification of the\nmargin applied to the Prime Rate, for each of these balances is set forth on the Summary of Rates and Terms received\nwith your application or this Agreement.\nFees. The fees identified below will be applied to your Account in addition to the interest charges. The dollar amounts of\neach specific fee is set forth in the Summary of Rates and Terms received with your application or this Agreement. We\nplace fees that result from a specific transaction into the same balance as that specific transaction. We place fees that\ndo not result from a specific charge, such as a returned payment fee, into your purchase balance.\nCash Advance Fee: In addition to the periodic Interest on Cash Advances, a Cash Advance Fee as specified in the\naccompanying Summary of Rates and Terms will be applied to your Account upon completing a Cash Advance.\nBalance Transfer Fee: In addition to the periodic Interest on Balance Transfers, a Balance Transfer Fee as specified\nin the accompanying Summary of Rates and Terms will be applied to your Account upon completing a Balance\nTransfer.\nLate Payment Fee: If we do not receive at least the Minimum Payment Due by the Payment Due Date shown on\nyour Account statement, you will be charged a Late Payment Fee as specified in the accompanying Summary of\nRates and Terms. We may also refer to this fee as the \xe2\x80\x9clate fee\xe2\x80\x9d or \xe2\x80\x9clate charge.\xe2\x80\x9d\nOver Credit Limit Fee: If you exceed any credit limit on your Account, you may be charged an Over Credit Limit\nFee as specified in the accompanying Summary of Rates and Terms.\nReturned Payment Fee: If your payment to us (by check, electronic funds transfer, telephone authorized draft, or\nother payment mechanism) is not honored by your financial institution for any reason or cannot be processed, we\nwill charge a Returned Payment Fee as specified in the accompanying Summary of Rates and Terms.\nForeign Transaction Fee: We will assess a Foreign Transaction Fee as specified in the accompanying Summary of\nRates and Terms for any transaction made in a foreign currency that is converted to U.S. dollars by VISA. This\nForeign Transaction Fee will be applied to all transactions posted to your Account in a foreign currency, including\nall purchases, cash advances, and returns and adjustments (e.g., for returned merchandise). A portion of each\nForeign Transaction Fee is passed on by us to VISA.\n\nPAYMENTS AND STATEMENTS\nGeneral. Except as otherwise stated in this Agreement, we will send you an account statement by regular mail to your\naddress as it appears on our records. We will send your account statement for each statement cycle at the end of which\nyour Account has a debit or credit balance or on which an interest charge or other fee has been imposed. We will not\nsend your account statement if (a) we deem your Account uncollectible, (b) delinquency collection proceedings have\nbeen instituted, or (c) for any other reason permitted by applicable law.\nPayments received in proper form by 4 PM Central Time on any business day will be credited to your Account as of that\nday. Payments received in proper form after 4 PM Central Time on any day will be credited to your Account as of the\nnext business day. If you mail your payment to an address other than the payment address shown on your statement,\nthere may be a delay in crediting the payment to your Account. Delayed crediting of payments may cause you to incur\nadditional charges, including, but not limited to, a Late Fee and additional Interest charges. Payments made within one\nof our branch offices are processed the day they are made (even if made after 4 PM Central).\nWe may accept checks or other types of payment which are marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or use other language to indicate\nsatisfaction of any indebtedness without being bound by such language or waiving any rights under this Agreement. We\nare under no obligation to hold a postdated check and we reserve the right to process every item presented as if dated\nthe same date received by us. You must pay us in U.S. dollars in funds on deposit in the U.S. If you do not, we may refuse\nto accept your payment. We may also charge you the costs we incur to collect the funds and we may select the currency\nconversion rate.\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n3/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nApplication of Payments. We apply payments up to the Minimum Payment Due at our discretion in accordance with\napplicable law. This may result in balances at lower interest rates being paid before other balances. This may also result\nin higher interest charges. Payments in excess of the Minimum Payment Due will be applied first to your highest interest\nrate balances, in accordance with applicable law.\nAlthough we may post payments from you as of the date we receive them, your available credit may not be restored for\nup to seven (7) days after we receive your payment.\nMinimum Payment Due. You must pay at least the Minimum Payment Due shown on your account statement on or\nbefore the Payment Due Date shown on your statement. The amount of your Minimum Payment Due may vary from\nstatement to statement and is determined as described in the Summary of Rates and Terms as the greater of a specified\npercentage of the new balance shown on your statement or a specified dollar amount. If the new balance on your\nstatement is less than the specified dollar amount, you will be required to pay the full balance.\nYou may without penalty pay more than your Minimum Payment Due or pay any portion of your balance before the\nPayment Due Date. You understand that by making such a prepayment, the total amount you owe us will be reduced but\nthat you must pay the Minimum Payment Due reflecting on any following account statements.\n\nDEFAULT AND TERMINATION\nDefault. Subject to applicable law, your Account will be in default under this Agreement if any one of the following\noccurs:(a) you become generally unable to pay your debts, (b) you die or are declared legally incompetent, (c) you use\na check or instrument for payment that is dishonored, (d) you fail to pay the Minimum Payment Due on or before your\nPayment Due Date, (e) any other creditor tries by legal process to take money of yours in our possession, (f) a petition is\nfiled or other proceeding is commenced by or against you under the federal bankruptcy act or any other applicable\nfederal or state insolvency laws, (g) you provide us with any false or misleading information, (h) you breach any of your\nother obligations under this Agreement, (i) you exceed your any credit limit on your Account, (j) you are in default of\nany other credit agreement you have with us or any of our affiliates, or (k) we believe in good faith that you may not pay\nor perform your obligations under this Agreement. The payment of any fee charged by us will not cure the default that\ncaused the fee.\nLate payments, missed payments, or other defaults on your Account may be reflected in your credit report. If you\nbelieve that we have reported inaccurate information about your Account to a credit bureau or other consumer\nreporting agency, notify us in writing at Simmons Bank, P.O. Box 6609, Pine Bluff AR 71611. When you write, tell us the\nspecific information that you believe is incorrect and why you believe it is incorrect.\nOur Rights When You Are in Default. If your Account is in default under this Agreement, we may, subject to applicable\nlaw, (a) require you to pay any portion of your outstanding Account balance immediately, (b) allow you to repay your\nAccount subject to the terms and conditions of this Agreement, (c) immediately terminate your Account and cancel all\nCards, (d) reduce your Account credit limit or otherwise limit your ability to make transactions, (e) commence a legal\nproceeding against you to collect all amounts owed in connection with this Agreement, or (f) increase the APR for\nPurchases and Cash Advances. We also may charge you court costs and reasonable attorneys\xe2\x80\x99 fees that we incur, as\npermitted by applicable law, if your Account is sent for collection to an attorney who is not our salaried employee. We\nwill not be obligated to honor any attempted use of your Card or your Account if your Account is in default, or we have\ndecided to terminate your Account or limit your ability to make transactions as discussed in this Agreement. Except as\notherwise provided for in this Agreement, interest charges will continue to accrue at the APR in effect at the time of\ndefault until your total Account balance, including such accrued interest charges, is paid in full. You agree that, subject\nto applicable law, if your Account is in default under this Agreement, you will accept calls from us at your home and\nyour place of business regarding collection of your Account. You understand and agree that the calls to your home may\nbe automatically dialed and a recorded message may be played. You agree such calls will not be considered\n\xe2\x80\x9cunsolicited\xe2\x80\x9d calls or telemarketing calls for purposes of state or federal law.\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n4/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nDelays in Enforcement. We can delay enforcing or not enforce any of our rights under this Agreement without losing\nour right to enforce them in the future. For example, we may accept late payments or payments that are marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or with other restrictive endorsements without losing any of our rights under this Agreement.\nTermination. Subject to applicable law, we may terminate this Agreement or revoke your right to use your Account or\nCard, along with your right to make future transactions, at any time and for any reason without notice to you. You may\nterminate your Account and use of your Card at any time by calling 1-800-272-2102, or mail to Simmons Bank, P.O. Box\n6609, Pine Bluff AR 71611, or email to bankcardcustomerservice@simmonsbank.com. Any request to terminate your\nAccount will be effective after we have had a reasonable opportunity to act on such request. The termination of this\nAgreement, whether initiated by us or you, will not affect any of your or our rights and obligations under this\nAgreement. If this Agreement is terminated, you must still repay any amounts you owe us, even if we allow a transaction\nto be completed with your Account or Card after this Agreement has been terminated. You agree to give to us or to\ndestroy all of the Cards issued on your Account when we ask you to or when this Agreement is terminated. If someone\nattempts to use a Card after this Agreement is terminated, the Card may be retained. A Card also may be retained when\nyou try to use it when certain other events occur.\n\nREEVALUATION OF FINANCIAL CONDITION AND CREDIT HISTORY\nWe may reevaluate your financial condition and investigate any information you provided on your Account application at\nany time. In the course of doing so, we may obtain a current credit report and ask you for additional information about\nyour financial condition by completing a personal financial statement or such other form that we request from time to\ntime. You give us your permission to obtain any information about you that we believe would be beneficial to facilitate\nour determination of your eligibility for the Account and the Card, including credit reports from consumer reporting\nagencies. We may, as a result of any such re-evaluation, (i) increase your credit line; (ii) decrease your credit line; or (iii)\ndeem your Account to be in default.\n\nCHANGES TO THIS AGREEMENT\nAt any time, we may add, delete or change any term of this Agreement, unless applicable law prohibits us from doing\nso. We will give you notice of any changes as required by law. We may notify you of changes on your statement or in a\nseparate notice. Our notice will tell you when and how the changes will take effect. The notice will describe any rights\nyou have in connection with the changes. Changes to this Agreement may include but are not limited to increasing any\nrate of interest, increasing or adding fees or charges (including annual fees), changing your credit limit(s), or limiting the\nnumber or amount of transactions on your Account). Any such changes will generally be effective immediately unless\nwe are required by applicable law to provide you with advance written notice of the proposed changes. If this is the\ncase, those changes will be effective immediately following the effective date stated in the notice. We will give you\nnotice of any such change in the manner required by law. Subject to applicable law, any such changes will apply to your\noutstanding Account balance on the effective date of the change and to any future balances created after that date. If\nwe give you the right to reject a change (whether because it is required by applicable law or otherwise), and you do not\nnotify us by the date stated in a notice, or if you notify us but then use, or someone you have authorized uses, your\nAccount after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and\nconfirm all terms of your Agreement. If you reject a change that we make, we will close your Account. No change to any\nterm of this Agreement will affect your obligation to pay all amounts you owe under this Agreement.\n\nCOMMUNICATIONS WITH US\nContact Us. Unless we tell you otherwise, you can notify us by calling 1-800-272-2102, or mail to Simmons Bank, P.O. Box\n6609, Pine Bluff AR 71611, or email to bankcardcustomerservice@simmonsbank.com. When writing, please include your\nname, address, home telephone number and Account number.\nContact with You. To the extent permitted by applicable law, you authorize us and our affiliates, agents, and contractors,\nand anyone to whom we may sell your Account, to contact you to service your Account or for collection purposes.\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n5/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nYou agree that (a) these contacts are not unsolicited for purposes of any state or federal law; (b) we may contact you in\nany way, including mail, email, calls, and texts, including on a mobile, wireless, or similar device, even if you are charged\nby your provider, and using automated telephone equipment or prerecorded messages; (c) we may contact you at any\nnumber that you have given us or any number we have for you in our records, even if that number is a wireless, cellular\nor mobile number, is converted to a mobile/wireless number or connects to any type of mobile/ wireless device, and\neven if such telephone number is currently listed on a Do Not Call Registry or the call results in charges from your\ncarrier; and (d) we may contact you at any email address you provide to us or any other person or company that\nprovides any services in connection with this Agreement.\nCorrespondence. To the extent permitted by applicable law, any communication you send to us will not be effective\nuntil we receive it and have had a reasonable opportunity to act on it. Any communication we send to you will, however,\nbe effective and deemed delivered when mailed to you at your address as it appears on our records.\nMonitoring and Recording. You authorize us to monitor and/or record your calls with us.\nUpdated Contact Information. You agree to notify us within 15 days after changing your name, e-mail address, mailing\naddress, or phone number. We will rely on the address we have for you in our records for any Account communications\nwe send to you unless and until either you or the U.S. Postal Service notifies us of a change of address. If your Account\nis a joint Account, each of you appoints the other as your agent to designate the address to which any and all Account\ncommunications, including the account statement, may be sent to you.\n\nMILITARY LENDING ACT PROTECTIONS\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). To receive this disclosure by phone, please call 1-800-272-2102 and select the option for Military Lending\nAct oral disclosures.\n\nARBITRATION AND JURY TRIAL WAIVER\nNOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to\narbitration in the case of a dispute. If you were a Covered Borrower under the Military Lending Act Regulations with\nregard to any prior agreement, this arbitration clause does not cover any claims related to that prior agreement.\nYou agree that either you or we can choose to have binding arbitration resolve any claim, dispute or controversy\nbetween you and us that arises from or relates to this Agreement or the Account and credit issued thereunder\n(individually and collectively, a \xe2\x80\x9cClaim\xe2\x80\x9d). This does not apply to any Claim in which the relief sought is within the\njurisdictional limits of, and is filed in, a small claims court. If arbitration is chosen by any party, the following will apply:\n(a) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A JURY TRIAL\nON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE APPLICABLE\nARBITRATION RULES.\n(b) Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of other persons\nwho may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR\nMEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY GENERAL, PERTAINING TO ANY CLAIM\nSUBJECT TO ARBITRATION.\n(c) The arbitration will be performed in accordance with this Arbitration Provision and the rules of the chosen\narbitrator in effect when the Claim is filed.\n(d) Other rights that you would have if you went to court might also not be available in arbitration.\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n6/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nIf arbitration is elected, any claim will be resolved pursuant to this provision and the American Arbitration Association\n(\xe2\x80\x9cAAA\xe2\x80\x9d) rules and procedures (\xe2\x80\x9cRules\xe2\x80\x9d) in effect at the time the claim is filed. If for any reason the AAA is unable or\nunwilling or ceases to serve as arbitration administrator, another nationally recognized arbitration organization utilizing\nsimilar rules and procedures will be substituted by us. If the AAA is selected, the arbitration will be handled according to\nits Commercial Arbitration Rules.\nThis provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal\nArbitration Act, 9 U. S. C. \xc2\xa7\xc2\xa7 1 et seq., as amended (\xe2\x80\x9cFAA\xe2\x80\x9d). The arbitrator will apply applicable substantive law\nconsistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law.\nJudgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator\xe2\x80\x99s\ndecision will be final and binding, except for any right of appeal provided by the FAA and except that, if the amount in\ncontroversy exceeds $100,000, any party can appeal the award to a three-arbitrator panel administered by the AAA,\nwhich will reconsider de novo any aspect of the initial award requested by the appealing party. The decision of the panel\nwill be by majority vote. The costs of such an appeal will be borne by the appealing party regardless of the outcome of\nthe appeal.\nYou may obtain rules and forms for the AAA by contacting the AAA at 1-800-778-7879 or www.adr.org.\nAny arbitration hearing that you attend will take place in the federal judicial district where you reside. At your request,\nwe will temporarily advance your filing and hearing fees for any Claim you may file against us. At the conclusion of the\narbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, administrative and/or\nhearing fees in connection with the arbitration. Unless inconsistent with applicable law, each party will bear the expense\nof that party\xe2\x80\x99s attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, regardless of which party prevails in the arbitration. We will also pay\nany fees or expenses that applicable law requires us to pay.\nThis provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in\nconnection with this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or\nstatute consistent with the FAA, it will not invalidate the remaining portions of this arbitration provision or the\nAgreement. In the event of a conflict or inconsistency between the AAA Rules and this arbitration provision, this\nprovision will govern.\n\nOTHER DEFINED TERMS\n\xe2\x80\x9cApplicable law\xe2\x80\x9d refers to any applicable (a) federal, state or local statutes, regulations, licensing requirements,\nregulatory bulletins or guidance, regulatory examinations, agreements or orders, (b) rule, regulation, restriction,\nrequirement or contractual term of Visa, and (c) judicial or administrative interpretations of any of the foregoing.\n\xe2\x80\x9cAvailable credit\xe2\x80\x9d is the amount equal to your credit limit less your outstanding balance (including all principal,\naccrued interest and fees, whether billed or unbilled.\nThe word \xe2\x80\x9cCard\xe2\x80\x9d refers to both the physical Card and any use of a Card. The word \xe2\x80\x9cuse\xe2\x80\x9d shall include any\npresentation of the Card or disclosure of its associated account number or PIN in any manner that permits someone\nto purchase goods and services or obtain a cash advance. Using smart phones, tablets, or other electronic devices\nthat store your Card for purposes of credit transactions (e.g. through a mobile wallet or other application) will also\nbe considered a \xe2\x80\x9cuse\xe2\x80\x9d of the Card.\n\xe2\x80\x9cCredit limit\xe2\x80\x9d refers to the maximum permitted outstanding balance for your Account (including all principal,\naccrued interest and fees, whether billed or unbilled).\n\xe2\x80\x9cPIN\xe2\x80\x9d refers to your personal identification number that may be used to access your account at certain terminals\n(e.g. ATMs) or by phone.\n\nGENERAL\nWaiver of Rights. Except as may be prohibited by applicable law, you agree to waive any right you may have for us to\nact promptly in bringing any action(s) against you (known as diligence); to demand payments of amounts due (known\nas presentment); to obtain an official certification of non-payment (known as protest); and to give notice that amounts\ndue will not be paid (known as notice of dishonor or notice of default and non-payment).\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n7/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nPrivacy Policy. You authorize us to share information about you and your Account as permitted by law. See our Privacy\nPolicy for details about our information sharing practices.\nAssignment. You may not sell, assign or transfer your Account or Card or any of your rights and obligations under this\nAgreement. We may, however, sell, assign or transfer your Account, or any balance due thereunder, and our rights and\nobligations under this Agreement to another entity without your consent and without prior notice. That entity will take\nour place in this Agreement.\nSeverability. If any provision of this Agreement is deemed to be void or unenforceable by a court of competent\njurisdiction or any governmental agency, that provision will continue to be enforceable to the extent permitted by that\ncourt or agency, and the remainder of that provision will no longer be considered as part of this Agreement. All other\nprovisions of this Agreement will, however, remain in full force and effect.\nGoverning Law. This Agreement is entered into between you and us in the State of Arkansas and all credit issued under\nthis Agreement is issued from the State of Arkansas. Your Account and this Agreement, and any claim, dispute or\ncontroversy arising from or relating to your Account or this Agreement, is governed by, and construed in accordance\nwith the laws of the State of Arkansas.\nEntire Agreement. You acknowledge that this Agreement and all Account Documents, as amended from time to time,\nmake up the entire agreement between you and us and supersedes any prior or contemporaneous written or oral\ncommunications or understandings between you and us concerning your Account and the Card.\nSection Headings. The Section headings used in this Agreement are only meant to organize this Agreement, and do not\nin any way limit or define your or our rights or obligations hereunder.\n\nSTATE NOTICES\nCALIFORNIA RESIDENTS: A married applicant may apply for a separate account.\nCALIFORNIA AND NEVADA RESIDENTS: Pursuant to this Agreement, interest is compounded on unpaid amounts.\nMARYLAND RESIDENTS: Finance Charges will be imposed in amounts or at rates not in excess of those permitted by\nlaw. You have the right under Section 12-510 of the Commercial Law Code to receive an answer to a written inquiry\nconcerning the status of your account.\nNEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable law, they may be void,\nunenforceable or inapplicable in some jurisdictions. None of these provisions, except for clause (k) in the \xe2\x80\x9cDefault\xe2\x80\x9d\nsection, however, is void, unenforceable or inapplicable in New Jersey.\nNEW YORK RESIDENTS: Your signature (including any electronic or digital signature) on any Application or on any\nsales slip or other evidence of indebtedness on your Account or any action that you may take to begin a transaction\nrepresents your signature on this Agreement.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncredit worthy customers, and that credit reporting agencies maintain separate histories on each individual upon request.\nThe Ohio civil rights commission administers compliance with this law.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Simmons Bank, P.O. Box 84042, Columbus, GA 319084042. You may also contact us on the Web at: www.simmonsbankcards.com\nIn your letter, give us the following information:\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n8/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report\nyou as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your\nbill is correct.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n9/10\n\n\x0c9/1/2021\n\nSimmons Bank VISA Credit Card Agreement\n\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically\nat:\nSimmons Bank\nP.O. Box 84042\nColumbus, GA 31908-4042\nwww.simmonsbankcards.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nF03-Y642-5 -0720\n\nhttps://www.simmonsbank.com/terms-and-conditions/personal-credit-card-terms-and-conditions\n\n10/10\n\n\x0c'


b'9/1/2021\n\nSimmons Rewards Visa Signature Important Disclaimers | Simmons Bank\n\nSIMMONS REWARDS VISA SIGNATURE IMPORTANT\nDISCLOSURES\nI understand that in order to apply for this offer I must be able to print a copy of the Important\nDisclosures provided herein and by applying I am attesting that I have read the Important\nDisclosures, printed a copy and agree to be bound as specified therein.\n\nInstant Application Electronic Signature Agreement. By submitting your application online, you are\nsigning the application electronically. You agree that your electronic signature is the legal\nequivalent of your written signature on the application. By clicking \xe2\x80\x9cSubmit\xe2\x80\x9d you consent to be\nlegally bound by the terms and conditions and important disclosures of the application. You also\nagree that no certification authority is necessary to validate your Electronic Signature and that you\nare authorized to enter into this agreement and be bound by its terms.\n\nACCOUNT OPENING DISCLOSURES\nINTEREST RATES AND INTEREST CHARGES\nAnnual\nPercentage Rate\n\n10.25% Variable APR\n\n(APR) for\n\nThis APR will vary with the market based on the Prime Rate.\n\nPurchases\n\nAPR for Balance\n\n10.25% Variable APR\n\nTransfers\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash\nAdvances and\n\n14.25% Variable APR\n\nConvenience\n\nThis APR will vary with the market based on the Prime Rate.\n\nChecks\n\nHow to Avoid\nPaying Interest\non Purchases\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances, balance transfers and convenience checks\non the transaction date.\n\nFor Credit Card\nTips from\nConsumer\nFinancial\nProtection\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nBureau\n\nFEES\nAnnual Fee\n\nNone\n\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-rewards-visa-signature/simmons-rewards-visa-signature-important-disclosures\n\n1/3\n\n\x0c9/1/2021\n\nSimmons Rewards Visa Signature Important Disclaimers | Simmons Bank\n\nDuring the promotional period: either $10.00 or 3% of the amount of\nBalance Transfer\n\neach balance transfer, whichever is greater. After the promotional\nperiod: $0.\n\nTransaction\n\nCash Advance and\n\nFees\n\nConvenience\n\n3% of the amount of each cash advance, but not less than $4.00.\n\nChecks\n\nForeign Purchase\nTransaction\n\nLate Payment\n\n2% of each purchase transaction in US dollars.\n\nUp to $35.00\n\nPenalty\nFees\n\nReturned\nPayment\n\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including\nnew purchases)." For further details, please see Additional Disclosures, below or the Credit Card\nMembership Rules that will be provided to you before you can begin using your new card.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in the Credit Card Membership Rules that will be provided to you before you can begin\nusing your new card.\n\nADDITIONAL DISCLOSURES\n1. Finance Charges start to accrue on cash advances, convenience checks and balance transfers\non the transaction date. Finance charges for purchases generally will start to accrue from the\ntransaction date, however, no finance charges will accrue on new purchases if the entire\nbalance in your account is paid by the due date each month.\n2. We figure the interest charge on your account by applying the periodic rate to the "average\ndaily balance" of your account. To get the "average daily balance" we take the beginning\nbalance of your account each day, add any new purchases, advances, fees, unpaid finance\ncharge and subtract any payments or credits. This gives us the daily balance. Then, we add up\nall the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the "average daily balance."\n3. Your account has a variable rate indexed on the Prime Rate. The rate on your account for\npurchases and balance transfers is the Prime Rate plus 7.00% per annum. The rate on your\naccount for cash advances and convenience checks is the Prime Rate plus 11.00% per annum.\nYour rate will increase if the Prime Rate increases, but will only change one time per statement\ncycle. If the prime rate increases variable APRs (and corresponding DPRs) will increase. In that\ncase you may pay more interest and may have a higher minimum payment due. Changes in\nAPRs (increases or decreases) due to changes in the Prime Rate will be effective on the first\nday of your next statement cycle beginning at least two days after the change in the Prime\nRate. The Prime Rate is the prime rate published in the Money Rates column of The Wall Street\nJournal in effect for the second business day prior to the beginning of each statement cycle.\nVariable rate APRs are based upon the 3.25% Prime Rate in effect on March 15, 2020.\nThe membership services of this application are provided by Simmons Bank, Pine Bluff, Arkansas.\nThe applicant(s), as an inducement to issue card, represents and warrants information in or in\nconnection with application to be complete and correct, and that applicant will by accepting the\ncard be bound by the Credit Card Membership Rules supplied with the card and as amended by\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-rewards-visa-signature/simmons-rewards-visa-signature-important-disclosures\n\n2/3\n\n\x0c9/1/2021\n\nSimmons Rewards Visa Signature Important Disclaimers | Simmons Bank\n\nissuer from time to time, and applicant authorizes Simmons Bank to verify or make inquiries\nregarding such application information and to furnish same to others in routine credit manner. All\nof the applicants agree to be jointly and severally liable with applicant to the extent of use of the\ncard and to be bound by the Card Membership Rules as amended by issuer from time to time.\nSignature(s) required for credit lines of $25,000 and above. If you qualify for a credit line of\n$25,000 or above, we will send a form to you for your signature(s) prior to mailing the card(s).\nCredit lines above $25,000 will require a financial statement.\nMilitary Lending Act: Federal law provides important protections to members of the Armed Forces\nand their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36%. This rate must include, as applicable to the credit transaction or account;\nthe costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). The minimum payment will be the greater of (i) 1% of\nthe New Balance plus all finance charges and late fees assessed during the billing cycle plus any\npast due amounts, or (ii) $10. Refer to the written material you will receive in connection with\nopening the account. Federal Law requires that these disclosures be provided to you both in\nwriting and orally. To receive the required oral disclosures, please call 800-272-2102 and select the\noption for Military Lending Act oral disclosures. These Account Disclosures are part of and\nintegrated with your VISA Credit Card Agreement with Simmons Bank. We reserve the right to\namend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effective\nas of 10/04/2017.\n\nINTERNET PRIVACY\nWhile information is the cornerstone of our ability to provide superior service at Simmons Bank, our\nimportant asset is our customer\'s trust. Keeping customer information secure, and using it only as\nour customers would want us to, is top priority for all of us at Simmons Bank. Here then, is our\npromise:\n1. We will safeguard, according to acceptable standards of security and confidentiality, any\ninformation our customers share with us.\n2. We will limit the collection and use of customer information to the minimum we require to\ndeliver superior service to our customers, which includes advising our customers about our\nproducts, services, and other opportunities, and to administer our business. We will permit\nonly authorized Simmons Bank employees, who are trained in the proper handling of customer\ninformation, to have access to that information.\n3. We will always maintain control over the confidentiality of our customer information.\n4. You can visit our website and find out about our products and services; read our Corporate\nreports, or get a news update and other value-added services without giving us any\ninformation about yourself.\n5. If you do provide personal information, such as address, e-mail, telephone and fax numbers, as\nwell as demographics and customer identification, we will not disclose (share, sell or divulge) it\nto external organizations unless we have informed you, been authorized by you, or are\nrequired to do so by activities and transactions, according to our usual strict security and\nconfidentiality standards.\n\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-rewards-visa-signature/simmons-rewards-visa-signature-important-disclosures\n\n3/3\n\n\x0c'


b'9/1/2021\n\nSimmons Visa Important Disclaimers | Simmons Bank\n\nSIMMONS VISA IMPORTANT DISCLOSURES\nI understand that in order to apply for this offer I must be able to print a copy of the Important\nDisclosures provided herein and by applying I am attesting that I have read the Important\nDisclosures, printed a copy and agree to be bound as specified therein.\n\nInstant Application Electronic Signature Agreement. By submitting your application online, you are\nsigning the application electronically. You agree that your electronic signature is the legal\nequivalent of your written signature on the application. By clicking \xe2\x80\x9cSubmit\xe2\x80\x9d you consent to be\nlegally bound by the terms and conditions and important disclosures of the application. You also\nagree that no certification authority is necessary to validate your Electronic Signature and that you\nare authorized to enter into this agreement and be bound by its terms.\n\nACCOUNT OPENING DISCLOSURES\nINTEREST RATES AND INTEREST CHARGES\nAnnual\nPercentage Rate\n\n8.25% Variable APR\n\n(APR) for\n\nThis APR will vary with the market based on the Prime Rate.\n\nPurchases\n\nAPR for Balance\n\n8.25% Variable APR\n\nTransfers\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash\nAdvances and\n\n12.25% Variable APR\n\nConvenience\n\nThis APR will vary with the market based on the Prime Rate.\n\nChecks\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you any\n\nHow to Avoid\n\ninterest on purchases if you pay your entire balance by the due date each month. We\n\nPaying Interest\n\nwill begin charging interest on cash advances, balance transfers and convenience checks\n\non Purchases\n\non the transaction date.\n\nFor Credit Card\nTips from\nConsumer\nFinancial\nProtection\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nBureau\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction\n\nDuring the promotional period: either $10.00 or 3% of the amount of\n\nFees\n\nBalance Transfer\n\neach balance transfer, whichever is greater. After the promotional\nperiod: $0.\n\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures\n\n1/3\n\n\x0c9/1/2021\n\nSimmons Visa Important Disclaimers | Simmons Bank\n\nCash Advance and\nConvenience\n\n3% of the amount of each cash advance, but not less than $4.00.\n\nChecks\n\nForeign Purchase\nTransaction\n\nLate Payment\n\n2% of each purchase transaction in US dollars.\n\nUp to $35.00\n\nPenalty\nFees\n\nReturned\nPayment\n\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including\nnew purchases)." For further details, please see Additional Disclosures, below or the Credit Card\nMembership Rules that will be provided to you before you can begin using your new card.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in the Credit Card Membership Rules that will be provided to you before you can begin\nusing your new card.\n\nADDITIONAL DISCLOSURES\n1. Finance Charges start to accrue on cash advances, convenience checks and balance transfers\non the transaction date. Finance charges for purchases generally will start to accrue from the\ntransaction date, however, no finance charges will accrue on new purchases if the entire\nbalance in your account is paid by the due date each month.\n2. We figure the interest charge on your account by applying the periodic rate to the "average\ndaily balance" of your account. To get the "average daily balance" we take the beginning\nbalance of your account each day, add any new purchases, advances, fees, unpaid finance\ncharge and subtract any payments or credits. This gives us the daily balance. Then, we add up\nall the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the "average daily balance."\n3. Your account has a variable rate indexed on the Prime Rate. The rate on your account for\npurchases and balance transfers is the Prime Rate plus 5.00% per annum. The rate on your\naccount for cash advances and convenience checks is the Prime Rate plus 9.00% per annum.\nYour rate will increase if the Prime Rate increases, but will only change one time per statement\ncycle. If the prime rate increases variable APRs (and corresponding DPRs) will increase. In that\ncase you may pay more interest and may have a higher minimum payment due. Changes in\nAPRs (increases or decreases) due to changes in the Prime Rate will be effective on the first\nday of your next statement cycle beginning at least two days after the change in the Prime\nRate. The Prime Rate is the prime rate published in the Money Rates column of The Wall Street\nJournal in effect for the second business day prior to the beginning of each statement cycle.\nVariable rate APRs are based upon the 3.25% Prime Rate in effect on March 15, 2020.\nThe membership services of this application are provided by Simmons Bank, Pine Bluff, Arkansas.\nThe applicant(s), as an inducement to issue card, represents and warrants information in or in\nconnection with application to be complete and correct, and that applicant will by accepting the\ncard be bound by the Credit Card Membership Rules supplied with the card and as amended by\nissuer from time to time, and applicant authorizes Simmons Bank to verify or make inquiries\nregarding such application information and to furnish same to others in routine credit manner. All\nof the applicants agree to be jointly and severally liable with applicant to the extent of use of the\ncard and to be bound by the Card Membership Rules as amended by issuer from time to time.\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures\n\n2/3\n\n\x0c9/1/2021\n\nSimmons Visa Important Disclaimers | Simmons Bank\n\nSignature(s) required for credit lines of $25,000 and above. If you qualify for a credit line of\n$25,000 or above, we will send a form to you for your signature(s) prior to mailing the card(s).\nCredit lines above $25,000 will require a financial statement.\nMilitary Lending Act: Federal law provides important protections to members of the Armed Forces\nand their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36%. This rate must include, as applicable to the credit transaction or account;\nthe costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). The minimum payment will be the greater of (i) 1% of\nthe New Balance plus all finance charges and late fees assessed during the billing cycle plus any\npast due amounts, or (ii) $10. Refer to the written material you will receive in connection with\nopening the account. Federal Law requires that these disclosures be provided to you both in\nwriting and orally. To receive the required oral disclosures, please call 800-272-2102 and select the\noption for Military Lending Act oral disclosures. These Account Disclosures are part of and\nintegrated with your VISA Credit Card Agreement with Simmons Bank. We reserve the right to\namend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effective\nas of 10/04/2017.\n\nINTERNET PRIVACY\nWhile information is the cornerstone of our ability to provide superior service at Simmons Bank, our\nimportant asset is our customer\'s trust. Keeping customer information secure, and using it only as\nour customers would want us to, is top priority for all of us at Simmons Bank. Here then, is our\npromise:\n1. We will safeguard, according to acceptable standards of security and confidentiality, any\ninformation our customers share with us.\n2. We will limit the collection and use of customer information to the minimum we require to\ndeliver superior service to our customers, which includes advising our customers about our\nproducts, services, and other opportunities, and to administer our business. We will permit\nonly authorized Simmons Bank employees, who are trained in the proper handling of customer\ninformation, to have access to that information.\n3. We will always maintain control over the confidentiality of our customer information.\n4. You can visit our website and find out about our products and services; read our Corporate\nreports, or get a news update and other value-added services without giving us any\ninformation about yourself.\n5. If you do provide personal information, such as address, e-mail, telephone and fax numbers, as\nwell as demographics and customer identification, we will not disclose (share, sell or divulge) it\nto external organizations unless we have informed you, been authorized by you, or are\nrequired to do so by activities and transactions, according to our usual strict security and\nconfidentiality standards.\n\nhttps://www.simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures\n\n3/3\n\n\x0c'


b'MECU of Baltimore, Inc. Visa\xc2\xae Credit Card Disclosure Information\n\nKeep this for your personal records. It contains valuable information about MECU\xe2\x80\x99s VISA\xc2\xae Platinum,\nPlatinum with Rewards, Platinum Secured and Signature Credit Cards.\n\nAnnual Percentage Rates (APR*) for Purchases\nAnnual Percentage Rates (APR)\nfor Visa Platinum\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.75% up to 24.00% based on your\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum with Rewards\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 9.75% up to 24.00% based on your\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum Secured\n\nYour rate will be 12.92% APR. This APR may vary with the market\nbased on the Wall Street Journal Prime Rate.\n\nAnnual Percentage Rates (APR)\nfor Visa Signature\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.50% based on your credit worthiness. This\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\nAPR may vary with the market based on Wall Street Journal Prime Rate.\n\nAnnual Percentage Rates (APR) for Balance Transfers\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum with Rewards\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.75% up to 24.00% based on your\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 9.75% up to 24.00% based on your\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum Secured\n\nYour rate will be 12.92% APR. This APR may vary with the market\nbased on the Wall Street Journal Prime Rate.\n\nAnnual Percentage Rates (APR)\nfor Visa Signature\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.50% based on your credit worthiness. This\nAPR may vary with the market based on Wall Street Journal Prime Rate.\n\n\x0cAnnual Percentage Rates (APR) for Cash Advances\nAnnual Percentage Rates (APR)\nfor Visa Platinum\n\nAnnual Percentage Rates (APR)\nfor Visa Platinum with Rewards\nAnnual Percentage Rates (APR)\nfor Visa Platinum Secured\nAnnual Percentage Rates (APR)\nfor Visa Signature\nHow to Avoid Paying Interest on\nPurchases\nPenalty APR\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Federal Reserve\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.75% up to 24.00% based on your\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 9.75% up to 24.00% based on your\n\ncredit worthiness. This APR may vary with the market based on Wall Street\nJournal Prime Rate.\n\nYour rate will be 12.92% APR. This APR may vary with the market\nbased on the Wall Street Journal Prime Rate.\n\n1.99% introductory APR for 12 months from date of account opening.\nAfter that your APR will be 8.50% based on your credit worthiness. This\nAPR may vary with the market based on Wall Street Journal Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance\nby the due date each month.\nNone\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Federal Reserve Board at:\nwww.consumerfinance.gov/credit-cards/agreements/\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer and Cash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nOver-the-Credit Limit\nReturned Payment\nOther Fees\nCard Replacement Fee\nPay-by-Phone Fee\n\nNone\nNone\nUp to 1% of transaction in US dollars, dependent upon currency\nconversion requirements\nUp to $24, dependent upon your outstanding balance\nNone\nUp to $15, dependent upon your outstanding balance\n$10 Replacement fee\n$5\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d including new purchases.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your Account Agreement. Effective Date: The information about the costs of the card described in this\napplication is accurate as of March 1, 2017. This information may have changed after that date. To find out what\nmay have changed, contact MECU. Credit limits are based on credit worthiness and ability to repay.\n*APR = Annual Percentage Rate\n\n\x0c'


b'8\n\n2\n\n3\n\nIn your letter give us the following information:\n\nAn increase or decrease in the index will cause a corresponding increase or decrease in your variable rate on the first day of\nyour billing cycle that begins in the same month as the determination date. An increase in the index means that you will pay\nhigher periodic rate finance charges and have a higher total minimum payment due. If The Wall Street Journal does not publish\nthe US Prime Rate or if it changes the definiton of the US Prime\nRate, we may at our sole discretion, substitute another index.\n\nimposed during the current billing cycle for Cash Advances\nposted to your account during previous billing cycles. The FINANCE CHARGE for a billing cycle is computed by applying\nthe monthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding to\nthe outstanding unpaid balance of Cash Advances at the beginning of the billing cycle any new Cash Advances posted to\nyour account, and subtracting any payments received or credits\nposted to you, but excluding any unpaid FINANCE CHARGES.\n\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe\nthere is an error. If you need more information, describe the\nitem(s) you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the\npayment on any amount you think is wrong. To stop the payment\nyour letter must reach us three (3) business days before the automatic payment is scheduled to occur.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE\nYOUR WRITTEN NOTICE\nWe must acknowledge your letter within thirty (30) days, unless\nwe have corrected the error by then. Within ninety (90) days, we\nmust either correct the error or explain why we believe the bill\nwas correct.\nAfter we receive your letter, we cannot try to collect any\namount you question, or report you as delinquent. We can\ncontinue to bill you for the amount you question, including finance charges, and we can apply an unpaid amount\nagainst your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still\nobligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have\nto pay any finance charges related to any questioned amount.\nIf we didn\xe2\x80\x99t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments\non the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your bill. And, we must tell you the name\nof anyone we reported you to. We must tell anyone we report you\nto that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50\nof the questioned amount, even if your bill was correct.\nSPECIAL RULE FOR CREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services\nthat you purchased with a credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\nproperty or services. There are two (2) limitations on this right:\n(a) You must have made the purchase in your home state\nor, if not within your home state, within one hundred (100)\nmiles of your current mailing address; and\n(b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we\nmailed you the advertisement for the property or services.\n\nMECU OF\nBALTIMORE, INC.\nOne South Street \xe2\x80\xa2 Baltimore, MD 21202\n\nVISA CREDIT CARD AGREEMENT\nIn this agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means the cardholder who opened the Account. \xe2\x80\x9cCard\xe2\x80\x9d means the MECU VISA\xc2\xae\nPlatinum Credit Card or the MECU VISA\xc2\xae Signature Credit Card\nand any duplicates, renewals or substitutions we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA\xc2\xae Credit Card line of credit account with\nus. \xe2\x80\x9cCredit Union\xe2\x80\x9d means the Credit Union whose name appears\non this agreement or anyone whom the Credit Union transfers\nthis agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means MECU of Baltimore,\nIncorporated. This agreement is effective as of January 1, 2015.\n1. USING YOUR ACCOUNT. If you are approved for an Account,\nthe Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the\nmaximum amount (purchases, cash advances, finance charges,\nplus \xe2\x80\x9cother charges\xe2\x80\x9d) that you will have outstanding on your\nAccount at any time. If you are over your credit limit, you must\npay the amount you are over before payments will begin to\nrestore your credit limit. We may, from time to time, either\nupon your request or at our option, increase or decrease your\ncredit limit, and we will notify you if we do. You may request\nan increase in your credit limit only by a method acceptable\nto the Credit Union. The Credit Union has the right to reduce\nyour credit limit, refuse to make an advance and/or terminate\nyour Account at any time for any reason not prohibited by law.\n2. USING YOUR CARD. You may use your Card to make purchases\nfrom merchants and others who accept VISA\xc2\xae Cards. In addition,\nyou may obtain cash advances from the Credit Union and from\nother financial institutions that accept VISA\xc2\xae Cards, and from some\nautomated teller machines (ATMs). (Not all ATMs accept VISA\xc2\xae\nCards.) To obtain cash advances from an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with\nyour Card. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law.\n3. RESPONSIBILITY. You agree to pay all charges (purchases and\ncash advances) to your Account that are made by you or anyone\nwhom you authorize to use your Account. You also agree to pay\nall finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made\nwith the Credit Union. If this is a Joint Account, Section 22 also\napplies to your Account.\n4. RATE. We will use the following variable rate formula for Variable Standard Rates, Variable Defaults Rates and Variable Promotional Rates. All variable rates are calculated by adding together an index and a margin. This index is determined on the last\nbusiness day of each month and is the US Prime Rate as published in The Wall Street Journal on the last publication of each\nmonth. The margin used to determine your APR is listed in the\nDisclosure that accompanied your New Card Documentation.\n\nM-119340\n\n5. FINANCE CHARGES. APPLICATION OF PAYMENTS: Your payments will be applied by us in the following manner. (1) If your\npayment is large enough, we will apply it to pay your Total New\nBalance in full. If your payment is greater than your Total New\nBalance we will apply the excess first to pay new cash advances and next to pay new purchases occurring after the Closing\nDate shown on your billing statement. If you make no new cash\nadvances or purchases, the excess will be shown as a credit balance on your next billing statement for which you may, by written request, get a refund; or (2) If your payment is less than the\nTotal New Balance, we will apply the payment first to any unpaid\nFINANCE CHARGE, with the balance, if any, first to the entire\ncash advance balance and next to the entire purchase balance.\nFINANCE CHARGE ON PURCHASES: The periodic rate applicable to purchases are disclosed on the disclosures that accompanied your New Card Documentation. A FINANCE CHARGE\nwill be imposed on credit Purchases only if you elect not to pay\nthe entire New Balance shown on your monthly statement for\nthe previous billing cycle within twenty five (25) days from the\nclosing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement\nwithin that twenty five (25) day period a FINANCE CHARGE will\nbe imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on\nnew credit purchases from the date of posting to your account\nduring the current billing cycle and will continue to accrue until the closing date of the billing cycle preceding the date on\nwhich the entire New Balance is paid in full or until the date of\npayment if more than twenty five (25) days from the closing date.\nThe FINANCE CHARGE for a billing cycle is computed by applying\nthe monthly Periodic Rate to the average daily balance of credit\npurchases, which is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the cycle.\nEach daily balance of credit purchases is determined by adding to\nthe outstanding unpaid balance of credit Purchases at the beginning of the billing cycle any new credit Purchases posted to your\naccount and subtracting any payments received or credits posted to your account but excluding any unpaid FINANCE CHARGE.\nFINANCE CHARGE ON CASH ADVANCES: The periodic rate applicable to cash advances are disclosed on the disclosures that accompanied your New Card Documentation. A FINANCE CHARGE\nwill be imposed on Cash Advances from the date made or from\nthe first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue\non the unpaid average daily balance of such Cash Advances until\nthe date of the billing payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date\non which the entire New Balance is paid in full or until the date of\npayment if more than twenty five (25) days from the closing date.\nIf the New Balance shown on your monthly statement for the prior billing cycle is paid in full within twenty five (25) days from the\nclosing date of that statement, no FINANCE CHARGES will be\n\n6. OTHER CHARGES. The following other charges (fees) will be\nadded to your Account, as applicable:\na. Late Payment Fee: Payments which are received fifteen\n(15) days past due will be subject to a Late Payment Fee up to\n$24.00, dependent upon outstanding balance.\nb. Return Check Fee: If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a\nfee of up to $15.00 for each item returned dependent upon your\noutstanding balance.\nc. Effect of Default: If you are in default under this Cardholder\nAgreement, at our option we can require immediate payments of\nall amounts you owe under your account. If we refer your account\nto any attorney for collection, you will have to pay an attorney or\ncollection fee of 15% of the amount owing, plus all court costs.\nd. Foreign Transaction Fee: Refer to Section 19.\ne. If applicable, there will be a $5 charge assessed to your credit card statement for each expedited telephone payment initiated by the cardholder through 24/7 Cardholder Services.\nf. Lost Card Replacement Fee: If your card is lost and you order a\nreplacement, you will be charged a lost card fee of $10 per card.\ng. Express Delivery Fee: If you request Express Delivery of a\nreplacement card, you will be charged an Express Delivery fee of\n$10 per delivery.\n7. PAYMENTS. Each month you must pay at least the minimum\npayment shown on your statement by the date specified on\nthe statement or no later than twenty-five (25) days from the\nstatement closing date, whichever is later. If your statement says\nthe payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your payment is due no later than\ntwenty-five (25) days from the statement closing date. You may\npay more frequently, pay more than the minimum payment\nor pay the Total New Balance in full. If you make extra or larger\npayments, you are still required to make at least the minimum\npayment each month your Account has a balance (other than a\ncredit balance). The minimum payment for the MECU Platinum\nand Signature card is 2% of your Total New Balance for purchases and cash advances, or $10.00, whichever is greater, plus\nthe amount of any prior minimum payments that you have not\nmade, and any amount you are over your credit limit. The Credit\nUnion also has the right to demand immediate payment of any\namount by which you are over your credit limit. The current\nminimum payment will be rounded off to the next whole dollar.\nThe credit union may, at our discretion, delay in restoring your\navailable credit limit up to the amount of the payment(s) in order\nto assure that the check or other payment instrument is honored.\n\n\x0c4\n\n5\n\n6\n\n7\n\n8. PAYMENT ALLOCATION. Your payments will be applied\nto the balance owed in accordance with applicable law.\n\nThe Card or Cards you receive remain the property of the Credit\nUnion and you must recover and surrender to the Credit Union\nall Cards upon request or upon termination of this Agreement\nwhether by you or the Credit Union. The Credit Union has the\nright to require you to pay your full Account balance at any\ntime after your Account is terminated, whether it is terminated\nby you or the Credit Union. If this is a Joint Account, Section 22\nof this Agreement also applies to termination of the Account.\n\nbe shown on your Account Statement. The standard terms of\nthe Agreement apply to any special promotion, except where\nchanged by the special promotion. Except to the terms modified by the special promotion, standard terms will continue to\napply to any and all transactions that are not subject to a special promotion. If you elect a special promotion, you agree to the\nterms of the promotion and understand that any unpaid balance\nrelated to the special promotion will be subject to the standard\nterms when the promotional period ends. We are not required to\ngive you advance notice before resuming or starting to bill you\naccording to the standard terms described in the Agreement.\n\nbeen unable to obtain satisfaction from the merchant or service\nprovider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending\nto you; or (b) your purchase cost more than $50 and was made\nin your state or within one hundred (100) miles of your home.\n\n9. SECURITY INTEREST. If you give the Credit Union a specific\npledge of shares by signing a separate pledge of shares, your\npledged shares will secure your Account. You may not withdraw\namounts that have been specifically pledged to secure your Account until the credit union agrees to release all or part of the\npledged amount. In addition, your Account is secured by all other\nshares you have in any individual or joint account with the Credit\nUnion, except for shares in an Individual Retirement Account or\nin any other account that would lose special tax treatment under\nstate or federal law if given as security. These other shares may be\nwithdrawn unless you are in default under this agreement. You\nauthorize the Credit Union to apply the balance in your individual\nor joint share accounts to pay any amounts due on your Account if\nyou should default. Collateral securing other loans you have with\nthe Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement.\n10. DEFAULT. You will be in default if you fail to make any minimum payment or other required payment by the date that\nit is due. You will be in default if you break any promise you\nmake under this Agreement. You will be in default if you die,\nfile for bankruptcy or become insolvent, that is, unable to pay\nyour obligations when they become due. You will be in default if you make any false or misleading statements in any\ncredit application or credit update. You will also be in default if something happens that the Credit Union believes\nmay substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to\ndemand immediate payment of your full Account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges, at the\nperiodic rate charged before default, until what you owe\nhas been paid, and any shares that were given as security for your Account may be applied towards what you owe.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD\nNOTIFICATION. You agree to notify us immediately, orally or in\nwriting at One South Street, Baltimore, MD 21202 or telephone\n(800) 449-7728 seven (7) days a week, twenty-four (24) hours a\nday, of the loss, theft, or unauthorized use of your Credit Card.\nYou may be liable for the unauthorized use of your Credit Card.\nYou will not be liable for unauthorized use that occurs after\nyou notify us of the loss, theft, or possible unauthorized use.\nYou will have no liability for unauthorized purchases made with\nyour credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT. The Credit Union may change the terms of this Agreement from time\nto time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice\nto you, the change will apply to your existing Account balance\nas well as to future transactions. Either you or the Credit Union\nmay terminate this Agreement at any time, but termination by\nyou or the Credit Union will not affect your obligation to pay the\nAccount balance plus any finance and other charges you owe under this Agreement. You are also responsible for all transactions\nmade to your Account after termination, unless the transactions\nwere unauthorized.\n\n13. CREDIT REPORTING. You authorize the credit union to investigate your credit standing when opening or reviewing your\naccount. You authorize the credit union to disclose information\nregarding your account to credit bureaus and creditors who\ninquire about your credit standing. If your account is eligible\nfor emergency cash and/or emergency card replacement services, and you request such services, you agree that we may\nprovide personal information about you and your account\nthat is necessary to provide you with the requested service(s).\nWe may report your performance under this Agreement to\ncredit reporting agencies, including your failure to make minimum payments on time. If you request additional cards on\nyour account for others, you understand that we may report\naccount information in your name, as well as in the names of\nthose other people. We may also obtain follow-up credit reports on you (for example, when we review your account for a\ncredit line increase). If you wish to know the names of the agencies we have contacted, write us at the address listed on the\nbilling statement. We will try to notify you by telephone or by\nmail of any legal process served on us in order to give you an\nopportunity to object to it, unless the law prohibits the notice.\nIf you think we reported erroneous information to a credit reporting agency, write us at the address listed on the billing\nstatement. We will promptly investigate the matter and if our\ninvestigation shows you are right, we will contact each credit\nreporting agency to whom we reported and will request they\ncorrect the report. If we disagree with you after our investigation,\nwe will tell you in writing or by telephone and instruct you how\nto submit a statement of your position to those agencies. Your\nstatement will become a part of your credit record with them.\n14. RETURNS AND ADJUSTMENTS. Merchants and others who\nhonor your Card may give credit for returns or adjustments, and\nthey will do so by sending the Credit Union a credit slip or other\nelectronic means which will be posted to your Account. If your\ncredits and payments exceed what you owe the Credit Union, the\namount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded\nupon your written request or automatically after six (6) months.\n15. ADDITIONAL BENEFITS/CARD ENHANCEMENTS. The Credit\nUnion may from time to time offer additional services to your\nAccount, such as travel accident insurance, at no additional cost\nto you. You understand that the Credit Union is not obligated to\noffer such services and may withdraw or change them at any time.\n16. SPECIAL PROMOTIONS. From time to time, we may offer\nspecial promotions under which purchases of goods or services,\nbalance transfers or cash access transactions may be billed to\nyour account with special promotional terms.\nThe Finance Charges, minimum payment, application of payments and other terms for special promotions may differ from\nthe standard terms described in this Agreement and as may\n\n17. CONVENIENCE CHECKS. Convenience checks may be used\nto purchase goods and services, to transfer balances from\nothers, or to obtain funds up to the amount of your available\ncash advance limit unless that amount will cause the total\nbalance to exceed your credit line. We will treat convenience\nchecks as a cash advance and charge them against your cash\nadvance limit. Each convenience check must be in the form we\nhave issued and must be used according to any instructions we\ngive you. Convenience checks may be used only by the person\nwhose name is printed on them. Convenience checks may not\nbe used to pay any amount owed to us under this or any other\nCard Agreement that you have with us. We will not certify any\nconvenience checks, nor will we return paid convenience checks.\n18. TELEPHONE MONITORING AND REPORTING. From time to\ntime we may monitor and record your telephone calls regarding your account with us to assure the quality of our service.\n19. FOREIGN TRANSACTIONS. Purchases and cash advances made\nin foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated exchange\nrate or a wholesale exchange rate and is selected by MasterCard.\nThe rate MasterCard uses for a particular transaction is the rate\nMasterCard selects for the applicable currency on the day the\ntransaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on\nthe transaction amount after it is converted to U.S. dollars. These\nfees are charged except where excluded. The Foreign Transaction\nFee(finance charge) is set forth on the Disclosure that accompanied your New Card Documentation.\nA 1% International Fee will be assessed on all transactions\nwhere the merchant country differs from the country of the\ncard issuer. The converted transaction will be shown separately from the International Transaction Fee on you billing statement. This fee will be assessed on all international purchases,\ncredit vouchers, and cash disbursements. The exchange rate for\ntransactions in foreign currency will be a rate selected by VISA\xc2\xae\nfrom the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary\nfrom the rate VISA\xc2\xae itself receives, or the government mandated rate in effect for the applicable central processing date plus\nthe 1% International Transaction Fee. A fee of 0.8% will be assessed on international transactions conducted in U.S. dollars.\n20. MERCHANT DISPUTES. The Credit Union is not responsible for\nthe refusal of any merchant or financial institution to honor your\nCard. The Credit Union is subject to claims and defenses (other\nthan tort claims) arising out of goods or services you purchase\nwith the Card if you have made a good faith attempt but have\n\n21. REFUSAL OF THE CARD. We are not responsible if a transaction\non your account is not approved, either by us or by a third party,\neven if you have sufficient credit available. We may limit the number of transactions that may be approved in one day. If we detect\nunusual or suspicious activity on your account, we may temporarily suspend your credit privileges until we can verify the activity.\n22. JOINT ACCOUNTS. If this is a joint account, each of you\nwill be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the\nCredit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you\nauthorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may, in writing, terminate the\nAccount and the termination will be effective as to all of you.\n23. EFFECT OF AGREEMENT. This Agreement is the contract which\napplies to all transactions on your Account even though\nthe sales, cash advances, credit or other slips you sign or\nreceive may contain different terms.\n24. NO WAIVER. The Credit Union can delay enforcing any of\nits rights any number of times without losing them.\n25. STATEMENTS AND NOTICES. Statements and notices will be\nmailed to you at the most recent address you have given the Credit\nUnion. Notice sent to any one of you will be considered notice to all.\n26. FINAL EXPRESSION. This Agreement and the New Account\nDisclosures are the final expression of the terms and conditions\nof this VISA\xc2\xae line of credit between you and the Credit Union.\nThis written Agreement may not be contradicted by evidence of\nany alleged oral agreement.\n27. GOVERNING LAW. This Cardholder Agreement and the granting of credit hereunder is made pursuant to the Maryland\nCredit Union Act and the Commercial Law Article, Title 12,\nSubtitle 9 and any applicable Federal Laws.\n28. COPY RECEIVED. Please read the Agreement carefully and keep\na copy for your records. By using or accepting your credit card,\nYou acknowledge that you have received a copy of this\nAgreement and agree to all of the terms of this Agreement.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights\nand our responsibilities under the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL\nIf you think your bill is wrong, or if you need more information\nabout a transaction on your bill, write us on a separate sheet at\nthe address listed on your bill. Write to us as soon as possible.\nWe must hear from you no later than sixty (60) days after we\nsent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights.\n\n\x0c'