b'Credit Card Agreement\nfor Cash Rewards, Prestige, Premium and Life Visa\xc2\xae Credit Cards\n\nThis document, together with the \xe2\x80\x9cAccount Summary Table\xe2\x80\x9d on the accompanying card carrier, form the \xe2\x80\x9cAgreement\xe2\x80\x9d that\ngoverns the credit card account established for you by Regions Bank (\xe2\x80\x9cAccount\xe2\x80\x9d) and each Visa credit card or other\ndevice issued to access the Account (a \xe2\x80\x9cCard\xe2\x80\x9d). In this Agreement, \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Regions Bank, and \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d mean each person who applied for or otherwise agreed to be responsible for the Account. If we use a\ncapitalized term in this Agreement but we do not define that term, the term refers to the corresponding term used in your\nbilling statement. Please read and keep these documents for your records. By keeping, using or permitting others to use\nthe Account or any Card, you accept the terms of this Agreement.\nImportant Terms of Your Account\nTerm\nWhat It Means To You\nCredit Limits We will give you a credit limit for your Account.\nWe also may give you different limits for different\ntypes of transactions. For example, we may tell\nyou that you can only use part of your credit limit\nf or Cash Advances. We will tell you the initial\ncredit limits for your Account on the card carrier.\nYou agree not to attempt any transaction that\nwould cause any outstanding balance on your\nAccount to exceed the credit limit for that balance.\nIf any balance on your Account goes over the\ncredit limit for any reason, we may require you to\npay the amount that is over the limit right away.\nDefault\nYou will be in default under this Agreement if:\n\xe2\x80\xa2 You f ail to make any payment required by this\nAgreement,\n\xe2\x80\xa2 You f ail to make any payment required by any\nother agreement you may have with Regions,\nor\n\xe2\x80\xa2 You f ail to keep any of your obligations under\nthis Agreement or other agreement you may\nhave with Regions.\nChanging\nTerms\n\nWe may change the terms of this Agreement\n(including interest rates, fees and other charges)\nat any time. These changes may include adding\nor deleting terms.\nIf you have the right to reject any change, and if\nyou reject the change in the manner provided in\nour notice of the change, we may terminate your\nright to receive additional credit under this\nAgreement and may ask you to return all Cards,\nAccess Checks and other credit devices as a\ncondition of your rejection. In addition to our right\nto change the terms of this Agreement, we also\nmay replace your Card with another Card at any\ntime.\n\nOur Rights and Responsibilities\nYour billing statements also will show your credit\nlimits and available credit. We may change your\ncredit limits at any time, subject to any\nrequirements or restrictions of applicable law.\nThis Agreement applies to all transactions and\nbalances on your Account, including any\ntransaction that would cause any outstanding\nbalance on your Account to exceed any of your\ncredit limits.\nIf you are in default, in addition to our other rights\nunder this Agreement and subject to applicable\nlaw, we can require immediate payment of the\ntotal outstanding balance owed on your Account.\nUnless prohibited by applicable law, we can also\nrequire you to pay our collection costs, attorneys\xe2\x80\x99\nf ees, court costs and all other expenses we incur\nto enf orce our rights under this Agreement, as\ndescribed more fully below in the \xe2\x80\x9cCollections\xe2\x80\x9d\nsection.\nWe may change these terms based on changes\nto your risk profile, such as changes to your\npayment patterns, transaction patterns, balance\npatterns, and utilization levels of this and other\naccounts, credit bureau information (including\nthe age, history and type of other accounts), and\nrelationships between each and all of these\nmeasures of risk. We may also change terms for\nreasons not related to your individual credit\nhistory, such as overall economic and market\ntrends, changes in applicable law, product\ndesign, and business needs. If we plan to\nchange this Agreement, we will comply with the\nnotice requirements and any other restrictions of\napplicable law that are in effect at that time.\n\nUsing Your Account\nYou may use your Account for the types of transactions described below. You may not use a Balance Transfer, Access\nCheck or any other Cash Advance to make a payment on this or any other account with us or our affiliates. You may not\nuse or permit your Account to be used for any illegal transaction. You may use your Account only for transactions that are\nlegal where you conduct them. We may charge your Account for any illegal transactions, and we will not be liable if you\nengage in an illegal transaction. We may deny authorization of any transactions identified as Internet gambling. You may\nRev. 11/02/2020\n\nPage 1\n\n\x0cnot use your Account to conduct transactions in any country or territory, or with any individual or entity that is subject to\neconomic sanctions administered and enforced by the U.S. Department of the Treasury\xe2\x80\x99s Office of Foreign Assets control\n(\xe2\x80\x9cOFAC\xe2\x80\x9d). Use of your Card in those countries will be blocked.\nTransaction\nWhat It Means To You\nOur Rights and Responsibilities\nPurchases\nYou may use your Account to buy or lease goods All Transaction Fees and adjustments associated\nor services.\nwith Purchases, as well as any Late Fees, Annual\nFees and other fees listed in the \xe2\x80\x9cAccount Fees\nand Charges\xe2\x80\x9d section below, will be treated as\nPurchases under this Agreement.\nBalance\nYou may request us to make an advance from\nWe permit Balance Transfers from most nonTransfers\nyour Account to pay a balance you owe to\nRegions credit card accounts. We reserve the\nanother creditor. From time to time, we may offer right not to permit Balance Transfers from other\nyou the option to use a special Access Check to\nRegions loans or accounts. All Transaction Fees\nmake a Balance Transf er. Except for any such\nand adjustments associated with Balance\nspecial offer, Balance Transfers do not include\nTransf ers will be treated as Balance Transfers\nbalances you pay using an Access Check.\nunder this Agreement.\nCash\nYou may obtain cash or other advances in any of All Transaction Fees and adjustments associated\nAdvances\nthe f ollowing ways:\nwith Cash Advances will be treated as Cash\n\xe2\x80\xa2 From us, another financial institution, a nonAdvances under this Agreement.\nf inancial institution, or automated teller\nmachine that accepts your Card.\n\xe2\x80\xa2 By using a check we may provide to you to\naccess your Account (an \xe2\x80\x9cAccess Check\xe2\x80\x9d), as\ndescribed more fully below in the \xe2\x80\x9cAccess\nCheck Transactions\xe2\x80\x9d section.\n\xe2\x80\xa2 By purchasing items that can be traded right\naway f or cash, such as money orders,\ntraveler\xe2\x80\x99s checks, lottery tickets or casino\nchips.\n\xe2\x80\xa2 By placing bets or wagers (if legal).\n\xe2\x80\xa2 By using an advance to send funds via wire\ntransf er or other payment service, or to pay\ntaxes, fines or similar amounts.\n\xe2\x80\xa2 By getting an advance deposited to a\nRegions checking account if you are enrolled\nin an overdraft protection program under a\nseparate agreement with us (an \xe2\x80\x9cOverdraft\nAdvance\xe2\x80\x9d).\nAccess\nEach Access Check must:\nYour billing statement will show the amount of\nCheck\n\xe2\x80\xa2 Be f ully completed and signed by the person\neach Access Check we paid. We will not return\nTransactions\nwhose name is printed on the Access Check, Access Checks to you, but you may ask us for\n\xe2\x80\xa2 Not be f or an amount that would cause your\ncopies of paid Access Checks. For each copy we\nAccount to go over any of your credit limits,\nprovide, we may charge you the Document Fee\n\xe2\x80\xa2 Not be used if you are in default under this\ndescribed below in the \xe2\x80\x9cAccount Fees and\nAgreement, if we suspended or closed your\nCharges\xe2\x80\x9d section.\nAccount, or if we told you not to use the\nYou may ask us to stop payment on an Access\nAccount, Card or Access Checks for any\nCheck or to cancel a stop payment request by\nreason, and\n\xe2\x80\xa2 Not be postdated or stale. This means the\ncalling us at 1-800-253-2265. When you make\ndate you put on the check cannot be a date\nthis request, you must provide us with the Access\nwhich is either (1) later than the date we get\nCheck number, dollar amount, and payee exactly\nit, (2) more than six months before the date\nas they appear on the Access Check. Stop\nwe get it, or (3) af ter any expiration date\npayment requests on an Access Check are\nprovided for that Access Check.\nef f ective for six months from the day that we\nplace the stop payment. We need at least two (2)\nIf we return an Access Check because it does\nbusiness days to be able to stop payment. We\nnot meet any of these requirements, we may\nwill not be liable to you or anyone else if we stop\ncharge the Returned Check Fee described\n(or do not stop) payment [or cancel (or do not\nbelow in the \xe2\x80\x9cAccount Fees and Charges\xe2\x80\x9d\ncancel) a stop payment request] on an Access\nsection. If we pay the Access Check anyway,\nCheck. If you request us to stop payment, we\nyou still have to pay us the amount of that Check may charge the Stop Payment Fee described\nRev. 11/02/2020\n\nPage 2\n\n\x0cPromotional\nTransactions\n\nTerm It Plans\n\nand any applicable interest or fees. Unless\nrequired by applicable law, we do not have to\npay any Access Check.\nWe may offer a limited time introductory or other\npromotional interest rate on certain transactions\non your Account that are lower than the standard\nrates f or those types of transactions\n(\xe2\x80\x9cPromotional APRs\xe2\x80\x9d) and/or limited time\nintroductory or other promotional transaction fees\n(\xe2\x80\x9cPromotional Fees\xe2\x80\x9d) that may be higher or lower\nthan the standard fees provided below in the\n\xe2\x80\x9cFees and Charges\xe2\x80\x9d section.\nWe may offer you the option to create a plan (a\n\xe2\x80\x9cTerm It Plan\xe2\x80\x9d or \xe2\x80\x9cPlan\xe2\x80\x9d) to pay off certain recent\nPurchases on your Account in substantially equal\nmonthly installments over a specified period of\ntime (the \xe2\x80\x9cRepayment Period\xe2\x80\x9d). To be included in\nan of fer, a Purchase must be at least a specified\ndollar amount that we determine, which we may\nchange any time.\nWe have no obligation to offer you the option to\ncreate a Plan. In determining whether to offer any\nPlans to you, we will consider your\ncreditworthiness (including your repayment\nhistory for this Account), the amount of credit\navailable on your Account, and other factors. We\nmay limit the number of outstanding Plans you\nmay have, and we may change this number at\nany time.\nAt the time of any offer, we will provide the terms\nof each offered Plan, including the annual\npercentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d), the Repayment Period,\nand the amount of the monthly payment that\nwould be required to pay off the Plan during the\nRepayment Period (the \xe2\x80\x9cTerm It Payment\xe2\x80\x9d or\n\xe2\x80\x9cPlan Payment\xe2\x80\x9d).\n\nTerm It\nPayment\n\nRev. 11/02/2020\n\nFor each Plan you choose to create, we will\ninclude the Term It Payment in the Total\nMinimum Payment Due shown on your billing\nstatements during the Repayment Period for that\nPlan. The amount of each Term It Payment is\ncalculated on the assumption that you will make\n\nbelow in the \xe2\x80\x9cAccount Fees and Charges\xe2\x80\x9d\nsection, whether or not we actually stop payment.\nWe will explain the terms and conditions of any\npromotion when making the offer. Except as we\ntell you in a promotional offer, the rest of this\nAgreement will apply to transactions at the\nPromotional APR or with the Promotional Fee.\nSubject to any requirements of applicable law, we\nmay terminate any Promotional APR if we do not\nreceive any required payment on your Account by\nthe Payment Due Date.\nWhen you create a Plan to pay off a Purchase,\nwe will credit the amount of that Purchase to your\nPurchase balance as of the same day that the\nnew Plan posts to your Account. At the end of the\nRepayment Period for each Plan you create, the\nPlan will expire. If you have not paid the full\namount owed on any Plan by the end of its\nRepayment Period, this outstanding balance will\nbe transf erred to your Purchase balance.\nAt our option, we may choose to terminate any\nTerm It Plan if :\n\xe2\x80\xa2 Af ter you create a Plan, we are required to\nreduce the APR on the Plan by the\nServicemembers Civil Relief Act or similar state\nlaws;\n\xe2\x80\xa2 You have not paid your Minimum Payment Due\nf or any two or more consecutive billing cycles\nduring the repayment period for the Plan;\n\xe2\x80\xa2 You f ile for bankruptcy or some other\ninsolvency proceeding is filed by or against\nyou;\n\xe2\x80\xa2 You do not honor the terms of this Agreement;\n\xe2\x80\xa2 You are declared incompetent or mentally\nincapacitated or in the event of your death;\n\xe2\x80\xa2 You request temporary payment relief due a\nnatural disaster or other hardship; or\n\xe2\x80\xa2 Your Account is closed when you enter into a\nhardship assistance program.\nWe also have the right, but no obligation, to\nterminate a Term It Plan upon your request. If a\nPlan is terminated for any reason, the full amount\nowed on that Plan will be transferred to your\nPurchase balance. Once a Plan is terminated, the\noutstanding balance cannot be placed in another\nPlan.\nIf the outstanding balance for any expired or\nterminated Plan is transferred to the Purchase\nbalance f or your Account, we will apply the same\nAPR to this Purchase balance that had applied to\nthe Plan, except as otherwise required by\napplicable law.\nFor any Term It Plan, the Term It Payment is\ndisclosed to you at the time you agree to create\nthe Plan. We calculate each Plan Payment based\non the amount of the Purchase placed in the\nPlan, the applicable interest rate, and the\nRepayment Period, rounding to the nearest\nPage 3\n\n\x0cAutomatic\nCharges\n\nForeign\nTransactions\n\nAuthorizing\nTransactions/\nSuspending\nand Closing\nyour Account\n\neach Plan Payment on the Payment Due Date. If\nyou do not make each Plan Payment by the\nPayment Due Date, you may not pay off the Plan\nbef ore it expires and is transferred to your\nPurchase balance, as explained in the \xe2\x80\x9cTerm It\nPlans\xe2\x80\x9d section above.\nYou may authorize others to make automatic and\nrecurring charges to your Account. It is your\nresponsibility (not ours) to notify anyone you are\npaying through automatic charges if your Card\nnumber or expiration date changes or if your\nAccount is closed or suspended.\nIf you wish to cancel any recurring charges that\nyou previously authorized, you must notify the\nmerchant (not us) that you are terminating your\nauthorization for those charges.\nAny transaction that is made in a foreign currency\nwill be converted to U.S. dollars. Foreign\ntransactions include, for example, online\npurchases from foreign merchants and Cash\nAdvances obtained from an ATM or f inancial\ninstitution in another country.\n\nWe may limit the number or dollar amount of\ntransactions on your Account. We are not\nobligated to authorize or honor any transaction,\neven if you have credit available. A merchant\ndoes not have to accept your Card, Checks or\nAccount. We will not be liable to you or anyone\nelse if (1) we do not authorize a transaction or we\ndecline to pay an Access Check, regardless of\nthe reason, or (2) a merchant will not accept your\nCard, Checks or Account. Also, we will not be\nliable to you or anyone else for goods or services\nyou bought or leased using your Account, or if\nyour Card is retained by us, any other financial\ninstitution, or any merchant.\nYou may close your Account by notifying us in\nwriting at the address shown on your billing\nstatement or by telephone at 1-800-253-2265.\nAf ter your Account is closed, whether by you or\nus, you no longer may make transactions on your\nAccount, but your obligations under this\nAgreement will continue until we receive full\npayment of all amounts owed under this\nAgreement, including the outstanding balance for\nany Term It Plans you created.\n\npenny. The actual interest charged on any Term\nIt Plan will be calculated as described in the\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d section below.\n\nIf you have set up recurring preauthorized\ncharges with a merchant and we issue a new\ncredit card with a different number and/or\nexpiration date to you, for your convenience we\nmay (but are not obligated to) make available\nyour new card number and/or expiration date so\nthat those charges may continue.\n\nIf you make a transaction in a foreign currency,\nthe transaction will be converted by Visa\nInternational into a U.S. dollar amount in\naccordance with the operating regulations or\nconversion procedures in effect at the time the\ntransaction is processed. Currently, those\nregulations and procedures provide that the\ncurrency conversion rate to be used is either (1) a\nwholesale market rate or (2) a governmentmandated rate in effect one day prior to the\nprocessing date. The currency conversion rate in\nef f ect on the processing date may differ from the\nrate in ef f ect on the transaction date or posting\ndate.\nWe may suspend or close your Account or\notherwise terminate your right to use your\nAccount. We may do this at any time, for any\nreason and, unless required by law, without first\nnotif ying you. Your obligations under this\nAgreement continue even after we have done\nthis. Upon our request, you must destroy all\nCards, Access Checks or other credit devices on\nthe Account.\nAf ter your Account is closed, you must contact\nanyone authorized to charge transactions to your\nAccount, such as internet service providers,\nhealth clubs or insurance companies. These\ntransactions may continue to be charged to your\nAccount until you change the billing. Also, if we\nbelieve you have authorized a transaction or are\nattempting to use your Account after you have\nrequested to close the Account, we may allow the\ntransaction to be charged to your Account.\n\nYour Payment Obligations\nYou promise to pay us for all transactions on your Account, including those by anyone whom you allow to use the\nAccount. You also promise to pay any interest, fees and other amounts you owe us under this Agreement. We will send\nyou billing statements that show the amount you owe, the minimum amount you must pay for a particular billing cycle, and\nRev. 11/02/2020\n\nPage 4\n\n\x0cthe date on which that required payment is due. You agree to review each statement upon receipt, and to call us promptly\nat 1-800-253-2265 about any suspicious transactions on your Account.\nTerm\nWhat It Means To You\nOur Rights and Responsibilities\nHow and\nWhere to\nMake\nPayments\n\nMinimum\nPayment Due\n\nYour payments must conform to the requirements For payments mailed to the address on the\nprovided in this Agreement and each billing\npayment coupon:\n\xe2\x80\xa2 We will credit each payment as of the date it is\nstatement. The requirements on the statement\nmay vary without prior notice. All payments must\nreceived if (1) the payment is received by 5 p.m.\nbe made in U.S. dollars, and drawn on a financial\nlocal time at this address, and (2) the payment\ninstitution located in the United States. You\nmeets the requirements of this Agreement.\nshould mail your check or money order, with the\n\xe2\x80\xa2 Payments received after 5 p.m. local time at this\npayment coupon from each statement, to the\naddress on any day (including the Payment Due\naddress shown on the payment coupon.\nDate), but that otherwise meet the requirements\nof this Agreement, will be credited as of our next\nYou may not use a postdated check to make a\nbusiness day.\npayment. If you postdate a payment check, we\n\xe2\x80\xa2 Credit f or any other payments may be delayed\nmay cash it upon receipt or return it to the person\nup to f ive (5) days.\nwho sent it, in either case without waiting for the\ndate shown on the check. We are not liable to\nFor other payments:\nyou f or any loss or expense you incur that arises \xe2\x80\xa2 If we let you pay at a bank branch, we will credit\nout of any action we may take.\nthe payment as of the day we receive it.\n\xe2\x80\xa2 If we let you pay online or by phone, we will tell\nAny payments marked \xe2\x80\x9cpaid in full\xe2\x80\x9d must be\nyou how to pay and when your payment will be\nmailed to the address for disputed payments\ncredited.\nshown on the back of your billing statement, and\nnot to the general payment address shown on the We may delay increasing your available credit for\npayment coupon included with your statement.\nup to 10 days after you make a payment.\nExcept as required by law, no payment, including\nthose marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or with any other\nrestrictive words, shall operate as an accord and\nsatisfaction without the prior written approval of\none of our senior officers.\nYou may pay your Account in f ull at any time\nwithout penalty. Among other information, each\nbilling statement will show you:\n\xe2\x80\xa2 The total outstanding balance owed on your\nAccount (the \xe2\x80\x9cNew Balance\xe2\x80\x9d);\n\xe2\x80\xa2 The outstanding balance owed but not yet\ndue on each Term It Plan (a \xe2\x80\x9cPlan Balance\xe2\x80\x9d);\n\xe2\x80\xa2 The combined total of all Plan Balances (the\n\xe2\x80\x9cTotal Plan Balance\xe2\x80\x9d);\n\xe2\x80\xa2 The \xe2\x80\x9cAdjusted New Balance\xe2\x80\x9d, which is the\nNew Balance minus the Total Plan Balance;\nand\n\xe2\x80\xa2 The combined total of all Plan Payments that\nare currently due on the Account (the \xe2\x80\x9cTotal\nPlan Payment\xe2\x80\x9d).\nTo calculate the New Balance at the end of each\nbilling cycle, we start with the New Balance from\nthe previous cycle. Then we add any new\ntransactions in the current cycle, and subtract any\npayments or credits received during that cycle.\nFinally we add any fees and interest that accrued\nduring the cycle, and make any necessary\nadjustments, such as for disputed transactions.\nFor each billing cycle, you must pay at least the\nTotal Minimum Payment Due shown on your\nbilling statement by its Payment Due Date.\nThe Total Minimum Payment Due for each billing\ncycle will be:\n\nRev. 11/02/2020\n\nWe can accept late payments, partial payments, or\npayments with any restrictive writing without losing\nany of our rights under this Agreement.\nIf a payment is credited to your Account but is\nreturned unpaid in a later billing cycle, we will\nrecalculate the Total Minimum Payment Due for the\nbilling cycle in which the payment was originally\ncredited.\nIf you overpay or otherwise have a credit balance\non your Account, we will not pay interest on the\ncredit balance. We will send you a refund for any\ncredit balance as required by law or earlier at your\nrequest. If a credit balance of less than $1 has\nremained on your account for at least 6 months (for\nexample, because you have not used your account\nor requested a ref und), you agree that we may\nautomatically remove that credit balance, and you\nwaive any claims you may have to that credit\nbalance.\nWe reserve the right to reject any payment if your\nAccount has a credit balance as of the day we\nreceive that payment.\nGenerally, credits to your Account, such as refunds\nf rom merchants, are not treated as payments and\nmay not be applied toward your Total Minimum\nPayment Due. We will choose how to apply a credit\nto your existing Account balances. A merchant\ncredit for a Purchase that was included in a Term It\nPlan will not automatically be credited to that Plan.\nPage 5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nGrace Period\non Paying\nInterest\n\nRev. 11/02/2020\n\nAny past due amount;\nAny new Late Fee;\nAny Term It Payment; and\nThe greatest of:\n(1) The total of\n(a) one percent (1%) of your Adjusted\nNew Balance (excluding any new Late\nFee or new interest charges on that\nbalance), rounded to the nearest\npenny, and\n(b) any interest that accrued on the\nAdjusted New Balance during that\ncycle,\nwith this total rounded down to the\nnearest dollar;\n(2) The Adjusted New Balance, if it is less\nthan $25; or\n(3) $25 if the Adjusted New Balance is at least\n$25.\nPayments made in any billing cycle that are\ngreater than the Total Minimum Payment Due will\nnot af fect your obligation to make the Total\nMinimum Payment Due for the next billing cycle.\nA \xe2\x80\x9cGrace Period\xe2\x80\x9d is any period of time when no\ninterest accrues on certain transactions or\nbalances.\n\xe2\x80\xa2 For Purchases placed in a Term It Plan \xe2\x80\x93\nOnce a Purchase is placed in a Term It Plan,\nthere is no Grace Period on that Purchase.\n\xe2\x80\xa2 For all other Purchases:\n\xef\x83\x98 There is a Grace Period on Purchases if you\npay your New Balance in full by the Payment\nDue Date shown on each billing statement.\nWhere required by applicable law, we will\nnot charge interest on any portion of a\nPurchase balance that is repaid by the first\nspecified Payment Due Date after each\nPurchase was made if you paid the total\nNew Balance f or the previous billing cycle by\nthe specified due date.\n\xef\x83\x98 If you have a Term It Plan, generally there is\na Grace Period if you pay the combined\namount of the Adjusted New Balance (which\nis your New Balance minus the Total Plan\nBalance) and the Total Plan Payment by the\nPayment Due Date shown on each billing\nstatement. However, as explained in the\n\xe2\x80\x9cPayment Allocation\xe2\x80\x9d section below, if\nthe APR for a Term It Plan is higher than\nthe APR for your other balances, we must\napply any payment in excess of your\nTotal Minimum Payment Due to your\nTerm It Plan balance before applying it to\nyour other balances. In this situation,\nyour payment would reduce your Term It\nbalance but may not pay your other\nbalances in full, which means you could\nbe charged interest on Purchases.\n\xe2\x80\xa2 For Balance Transfers and Cash Advances \xe2\x80\x93\nThere is no Grace Period.\n\nIf you believe a merchant credit has not been\napplied properly, please contact us at 1-800-2532265.\n\nYour Payment Due Date is at least 21 days after\nthe closing date for each billing statement.\nExcept as described in this section, if you do not\npay the Adjusted New Balance and any Term It\nPayment in full by the Payment Due Date, we will\nstart charging interest on each new Purchase on\nthe transaction date or the first day of the billing\ncycle in which the Purchase posts to your Account,\nwhichever occurs later.\n\nPage 6\n\n\x0cPayment\nAllocation\n\nYou may reduce the amount of interest you pay\nby making payments that are larger than the\nTotal Minimum Payment Due. Because federal\nlaw requires payment amounts in excess of your\nTotal Minimum Payment Due to be applied first to\nhigher APR balances, these balances will be paid\nof f more quickly and you will pay less interest on\nthem than if you paid only the Total Minimum\nPayment Due.\n\nIf your Account has balances with different APRs,\nwe will allocate the amount of any payment that is\nless than or equal to the Total Minimum Payment\nDue to the lowest APR balances first. Payment\namounts in excess of your Total Minimum Payment\nDue will be applied to balances with higher APRs\nbef ore balances with lower APRs.\nIf you have a Term It Plan, you cannot direct your\npayment to be applied only to the outstanding\nbalance owed on that Plan.\n\xe2\x80\xa2 If the APR f or your Plan is higher than the APRs\nf or other balances on your Account, any\npayment in excess of your Total Minimum\nPayment Due will be applied to your Plan.\n\xe2\x80\xa2 If the APR f or your Plan is lower than the APRs\nf or your other balances, any excess payments\nwill be applied to the other balances before your\nPlan balance. In this situation, you must pay\nyour New Balance in order to pay off your Plan.\n\nAccount Fees and Charges\nYou agree to pay (1) the f ees and charges listed below, and (2) the Transaction Fees shown in the Account Summary\nTable, subject to any limitation of applicable law. We will not charge the Cash Advance Transaction Fee on any Overdraft\nAdvance.\nAnnual Fee: Your Account may be charged the amount (if any) shown in the Account Summary Table on the card carrier.\nIf an Annual Fee applies to your Account, this fee will be charged to your Account when we issue the Card, and annually\nat the end of the month that includes the anniversary date of the opening of the Account. If applicable, it will be charged\nregardless of whether you use the Account, and is not refundable even if the Account is closed for any reason by either\nyou or us.\nLate Fee: You may be charged $28 if the Total Minimum Payment Due shown on your billing statement is not received by\nus on or before its Payment Due Date. If a late fee was assessed any time in the prior six (6) billing cycles, then the\namount of the late fee will be $39. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to\nassessment of the fee. If your balance is less than $50, we will not assess a Late Fee.\nReturn Access Check Fee: You may be charged $25 if we return an Access Check unpaid for any reason, even if the\nAccess Check is paid upon subsequent presentment. The Returned Access Check Fee will not exceed the dollar amount\nof the Access Check.\nCopy Fee: You may be charged $5 f or each copy of a billing statement or sales draft, except that the six most recent\nstatements and one sales draft will be provided for f ree. We will not charge this fee if you reside in Delaware, Indiana,\nKansas, Louisiana, Maryland, Pennsylvania, South Carolina, West Virginia or Wyoming. Regardless of where you reside,\nwe will not charge for any statement or sales draft you request in good faith in connection with the resolution of any\ndisputed billing matter.\nExpedited Delivery Fee: You may be charged this Fee if you request and we agree to arrange for expedited delivery of\nany Card to you (for example, by an overnight delivery service). The amount of the Expedited Delivery Fee will depend on\nthe type of delivery you choose to receive, and will be disclosed to you when you request expedited delivery. If you then\nconf irm and we honor your request, we will charge the fee. We will not charge an Expedited Delivery Fee in Colorado,\nDelaware, Indiana, Kansas, Louisiana, Maryland, New York, Pennsylvania, South Carolina, West Virginia or Wyoming.\nStop Payment Fee: You may be charged $25 for each stop payment requested on an Access Check, whether or not we\nactually stop payment, subject to any restrictions of applicable law. We will not charge a Stop Payment Fee in Colorado,\nDelaware, Indiana, Kansas, Louisiana, Maryland, New York, Pennsylvania, South Carolina, West Virginia or Wyoming.\nCollection Costs: If you are in default, unless prohibited by applicable law we can require you to pay our collection costs,\nattorneys\xe2\x80\x99 fees, court costs and all other expenses we incur to enforce our rights under this Agreement. These costs may\ninclude reasonable fees to attorneys who are not our paid employees. We will not charge you for our collection costs if\nyou owe us $300 or less. We will not charge attorneys\xe2\x80\x99 fees that exceed 15% of the unpaid debt in Alabama, Colorado,\nGeorgia, Kansas, Maine, Missouri, Montana, North Carolina, Oklahoma or South Carolina, 20% of the amount due in New\nYork, or 25% of the unpaid debt in Louisiana. We will not charge attorneys\xe2\x80\x99 fees if the principal amount you owe us is less\nthan $1,000 in Idaho or Wyoming. We will not charge collection costs other than attorneys\xe2\x80\x99 fees if you live in Colorado,\nDelaware, Idaho, Indiana, Kansas, Louisiana, Maine, Maryland, New York, North Carolina, Oklahoma, South Carolina or\nWyoming. We will not charge you attorneys\xe2\x80\x99 fees, court costs or other collection costs incurred as a result of your default if\nyou live in Pennsylvania, West Virginia or Wisconsin.\nRev. 11/02/2020\n\nPage 7\n\n\x0cInterest Charges\nThe APRs and Daily Periodic Rates (\xe2\x80\x9cDPRs\xe2\x80\x9d) for your Account are shown on the Account Summary Table on the\ncard carrier. We calculate each DPR by dividing the APR by the number of days in the year.\nVariable APRs\nExcept for any Promotional APR, the APRs for your Account are variable rates. We calculate each variable APR by\nadding together an index and a margin. The margin used to calculate each APR is shown on the Account Summary Table\non the card carrier. The index is the highest U.S. Prime Rate as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal on the last publication day of each month. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it\nchanges the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index. An increase\nor decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your\nbilling cycle that begins in the same month in which the index is published. An increase in the index means that you will\npay higher interest charges and have a higher Total Minimum Payment Due.\nHow We Calculate Interest\nWe use the average daily balance method (including new transactions) to calculate the interest owed on your Account for\neach billing cycle:\n\xe2\x80\xa2 We f irst figure out the average daily balance for each type of transaction. By type of transaction, we mean Purchases,\nCash Advances, Balance Transfers, Term It Plans, and any such transaction subject to a promotional offer. If any\nportion of a Purchase balance received a Grace Period, that amount is not included in this calculation.\n\xe2\x80\xa2 To get the average daily balance for each type of transaction, we take the beginning balance for that transaction-type,\nwhich will include any unpaid balance on those transactions and any unpaid interest on those transactions.\n\xe2\x80\xa2 To the beginning balance, we add:\n* For all transactions other than Term It Plans during their Repayment Periods, an amount equal to the applicable\nDPR multiplied by the previous day\xe2\x80\x99s closing daily balance. If a Term It Plan has expired or been terminated and\nthe outstanding balance for that Plan has been transferred to the Purchase balance for your Account (as described\nin the \xe2\x80\x9cTerm It Plans\xe2\x80\x9d section above), we may add this amount to that balance. This method of calculating the\ndaily balance results in charging interest on unpaid interest (also known as compounding) and fees.\n* Any new transactions, applicable fees or other debits.\n\xe2\x80\xa2 Then we subtract any payments or credits. This gives us the daily balance. If any daily balance is less than zero we\ntreat it as zero.\n\xe2\x80\xa2 Next, we add up all the daily balances for that transaction-type during the billing cycle, and then divide this total by the\nnumber of days in the billing cycle. This gives us the average daily balance.\n\xe2\x80\xa2 We multiply the average daily balance by the applicable DPR, and then we multiply the resulting amount by the\nnumber of days in the billing cycle to determine the amount of interest owed for that type of transaction.\n\xe2\x80\xa2 Af ter calculating the amount of interest owed for each type of transaction, we add together these amounts to\ndetermine the total amount of interest owed on your Account for the billing cycle. If any interest charge is due, we will\ncharge you at least the Minimum Interest Charge shown on the Account Summary Table.\nWe may use mathematical formulas or computer programs which produce equivalent results to calculate the average\ndaily balance, interest charges and related amounts.\nWe add transactions and fees to your daily balance (and they may begin accruing interest) no earlier than:\n\xe2\x80\xa2 For new Purchases \xe2\x80\x93 the transaction date or the first day of the billing cycle in which the Purchase posts to your\nAccount, whichever occurs later.\n\xe2\x80\xa2 For new Balance Transf ers and Cash Advances \xe2\x80\x93 the transaction date. For Access Checks and Balance Transfers\nmade by check, the transaction date is the date the check is first deposited or cashed. For Balance Transfers made\nelectronically, the transaction date is the date we transmit the Balance Transfer to your other creditor.\n\xe2\x80\xa2 For a Term It Plan \xe2\x80\x93 the transaction date (which is the date you create the Plan) or the first day of the billing cycle in\nwhich the Plan posts to your Account, whichever occurs later.\n\xe2\x80\xa2 For a Returned Payment \xe2\x80\x93 the date that the corresponding payment had been credited to your Account.\n\xe2\x80\xa2 Fees \xe2\x80\x93 the date of a related transaction, the date of the activity or condition for which the fee is charged or, at our\noption, the last day of the applicable billing cycle.\nYour Responsibility for the Account\nThese sections describe how certain conditions may or may not affect your responsibility for the Account.\nCondition\nWhat It Means To You\nOur Rights and Responsibilities\nJoint\nIf you have a joint Account, each of you may use\nAll persons who requested or otherwise agreed\nAccount\nthe Account and we may ask any one of you to pay to be responsible for the Account, whether at\nany balance due on the Account. We may send\nthe time of application or later, are individually\nnotice to any one of you, and it will be considered\nand jointly responsible for the total outstanding\nRev. 11/02/2020\n\nPage 8\n\n\x0cAuthorized\nUsers\n\nUnauthorized\nTransactions\n\nRev. 11/02/2020\n\nnotice to all of you. Any one of you may give us\nany notice under this Agreement. If you give us\ndif ferent notices or make different requests, we\nmay pick which one to honor without telling any of\nyou. We will not owe anything to you or anyone\nelse because we picked one of your notices or\nrequests. We may send Account materials (Cards,\nbilling statements and notices) to any of you, and\nyou will be responsible for delivering those\nmaterials to the others and to any authorized\nusers.\nIf you permit any person to use your Card, Access\nChecks, Account number, or other credit device\nwith the authorization to obtain credit on your\nAccount, you will be responsible for all transactions\nmade by that person to the fullest extent permitted\nby law, including transactions for which you may\nnot have intended to be liable, even if the amount\nof those transactions causes your credit limit to be\nexceeded. Authorized users may have the same\naccess to information about the Account and its\nusers as you have, but may not be permitted to\nperf orm all actions available to you. For example,\nauthorized users may not be permitted to create a\nTerm It Plan.\nYou may allow authorized users on your Account\nin the f ollowing ways:\n\xe2\x80\xa2 By notifying us that you want someone added\nto your Account as an authorized user; or\n\xe2\x80\xa2 By lending your Card or Account number to\nanother; or\n\xe2\x80\xa2 By any other ways in which you would be\nlegally considered to have authorized another\nperson to use your Account or be legally\nprevented from denying that you did so.\nYou must think carefully before you allow anyone\nto become an authorized user. By doing so, you\nauthorize the person to use your Account to the\nsame extent you can, including but not limited to\nmaking any Purchases, Balance Transfers, Cash\nAdvances, and allowing others to use your\nAccount. Your Account does not permit you to limit\nthe nature or amount of authority you give to any\nauthorized user and you will not attempt to do so.\nAn authorized user\xe2\x80\x99s authority will continue until\nyou notify us that you are terminating the authority\nand you physically retrieve the Card. If you cannot\nretrieve the Card, you will remain liable for any\ntransactions that we cannot prevent after you notify\nus.\nIf you notice the loss or theft of your Card or\npossible unauthorized use of your Account, you\nshould write to us immediately at: Regions Bank,\nPO Box 413, Birmingham, Alabama, 35201, or call\nus at 1-800-253-2265.\n\nbalance on the Account. If you and one or more\npersons are responsible to pay any total\noutstanding balance, we may refuse to release\nany of you from liability until you repay the total\noutstanding balance owed to us under the terms\nof this Agreement.\n\nAt your request, we may issue a Card to an\nauthorized user. We have no obligation to issue\ncards to any authorized user, and we may\nterminate the access of any or all authorized\nusers to your Account at any time. If we\nterminate an authorized user\xe2\x80\x99s access to your\nAccount, we may close your Account and open\na new account with a different account number.\n\nYou will not be liable for any unauthorized use\nthat occurs after you notify us. You may,\nhowever, be liable for unauthorized use that\noccurs before your notice to us. We will extend\nto you the benefits of the zero liability policy, in\nef f ect at the time of any unauthorized use, for\nthe network responsible for processing\ntransactions on your Card. In any case, your\nliability will not exceed $50.\n\nPage 9\n\n\x0cOther Account Terms\nTerm\n\nWhat It Means To You\n\nChanges to\nYour Contact\nInformation\n\nYou must notify us immediately of any change to your address or any of your other contact\ninf ormation by writing or calling us using the Customer Service address or phone number provided\non each billing statement.\nWe may get and review your credit history from credit reporting agencies and others. We also may\nprovide information about you and your account to credit reporting agencies and others. If you\nbelieve we have furnished inaccurate or incomplete information about you or your account\nCredit\nto a credit reporting agency, write to us at: Regions Bank, Credit Reporting Agencies, 2050\nInformation\nParkway Office Circle, Hoover, Alabama 35244. Please include your name, address, home\nphone number, and account number, and explain what you believe is inaccurate or\nincomplete.\nBy providing us with your telephone number(s) and other contact information, you agree that\nRegions Bank, its successors or assigns, or any company or person providing services in\nconnection with your Account may contact you for any informational purposes related to your\nAccount and in any manner permitted or required by law. This contact may be made using an\nautomatic telephone dialing system, leaving you a voice or prerecorded message, or sending you a\nTelephone\ntext, email or other electronic message (each a \xe2\x80\x9cCommunication\xe2\x80\x9d). You acknowledge and agree that\nCalls and Other\nyou are providing this consent to receive Communications as consideration and as a bargained-for\nCommunications\nterm in a legally binding agreement, and that this consent is irrevocable by you to the maximum\nextent allowed by law. If you wish to revoke your consent to be contacted at any cellular telephone\nnumber using an automatic telephone dialing system and/or an artificial or prerecorded message,\nwe will consider your request in our sole and absolute discretion, subject to the requirements of\napplicable law, but you must make your request by calling us at 1-888-219-9227.\nYou may be offered certain benefits and rewards with your Account. We may change, add, or delete\nBenefits and\nbenef its and rewards at any time and without notice to you. Any such benefits or rewards are not a\nRewards\npart of this Agreement, but are subject to the terms and restrictions provided in the separate\nagreement f or those benefits or rewards.\nIf we determine that a credit is due to your Account for any reason (such as the refund of a f ee\nCredits and\ncharged in error), that credit will first be applied to the outstanding balance owed on the Account.\nDe Minimis\nYou agree that, if your Account has been closed (whether by you or us) and the amount of any\nRefunds\ncredit remaining after application to any outstanding balance is less than $1, we have no obligation\nto ref und that credit to you and you waive any claims you may have to that credit.\nOur f ailure or delay in exercising any of our rights under this Agreement does not mean that we\ncannot exercise those rights later. For example, if we take no action when you go into default, we\nEnforcement\nmay exercise our rights later if you continue in default or again go into default. If any provision of\nthis Agreement is found to be invalid, the remaining provisions will continue to be enforceable.\nEither you or we may ask to settle disputes relating to this Agreement or your Account by\narbitration. Arbitration is a way of working out disputes without going to court. If you or we ask for\narbitration, we would all meet with a person called an arbitrator. An arbitrator is like a ref eree or a\njudge. The arbitrator will listen to what you and we have to say. The arbitrator will decide who is\nArbitration\nright. The arbitrator\xe2\x80\x99s decision is called an award. The party who wins the award can take it to any\ncourt that could have heard the dispute and get an official judgment. The specific terms and\nconditions under which we may arbitrate a dispute are continued in the \xe2\x80\x9cArbitration\xe2\x80\x9d section\nof this Agreement. Please read the rest of this section carefully.\nThis Agreement is made in Alabama and we extend credit to you from Alabama. This Agreement\nand your Account are governed by the laws of the State of Alabama (without regard to its conflict of\nGoverning Law\nlaws principles) and by any applicable federal laws, regardless of where you reside or use the\nAccount.\nAt any time and without notice to you, we may assign your Account, any sums owed on your\nAccount, this Agreement, or our rights or obligations under your Account or this Agreement to any\nAssignment\nperson or entity. The person or entity to whom we make any such assignment will be entitled to all\nof the rights or obligations we have assigned.\nYou have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a\nMD\nwritten inquiry concerning the status of your Account. Finance charges will be imposed on the\nResidents\noutstanding balances from month to month in amounts or at rates not in excess of those permitted\nby law.\nNJ\nAll provisions of this Agreement are valid, enforceable and applicable in New Jersey.\nResidents\n\nRev. 11/02/2020\n\nPage 10\n\n\x0cArbitration\nIf your Account was opened on or after October 3, 2017 and you were a \xe2\x80\x9ccovered borrower\xe2\x80\x9d (as defined in the\nU.S. Department of Defense regulation implementing the federal Military Lending Act) when you applied for the\nAccount, this ARBITRATION AND WAIVER OF JURY TRIAL section will not apply as long as you continue to be\na covered borrower.\nARBITRATION AND WAIVER OF JURY TRIAL. Except as expressly provided herein, you and we agree that either\nparty may elect to resolve by BINDING ARBITRATION any controversy, claim, counterclaim, dispute or\ndisagreement between you and us, whether asserted or brought in a direct, derivative, assignee, survivor,\nsuccessor, beneficiary or personal capacity and whether arising before or after the effective date of this\nAgreement (any \xe2\x80\x9cClaim\xe2\x80\x9d). Claim has the broadest possible meaning and includes, but is not limited to, any\ncontroversy, claim, counterclaim, dispute or disagreement arising out of, in connection with or relating to any\none or more of the following: (1) the interpretation, execution, administration, amendment or modification of this\nAgreement (including any Debt Cancellation Addendum to this Agreement); (2) your Account; (3) any charge or\ncost incurred pursuant to this Agreement; (4) any transaction involving your Account or this Agreement; (5) the\ncollection of any amounts due under this Agreement or on your Account; (6) any alleged contract or tort arising\nout of or relating in any way to this Agreement, your Account, any transaction on your Account, any\nadvertisement or solicitation, or your business, interaction or relationship with us; (7) any breach of any\nprovision of this Agreement; (8) any statements or representations made to you with respect to this Agreement,\nyour Account, any transaction on your Account, any advertisement or solicitation, or your business, interaction\nor relationship with us; (9) any property loss, damage or personal injury; (10) any claim, demand or request for\ncompensation or damages from or against us; (11) any damages incurred on or about our premises or property;\nor (12) any of the foregoing arising out of, in connection with or relating to any agreement which relates to this\nAgreement, your Account, any credit, any charge, any transaction or your business, interaction or relationship\nwith us, including without limitation any agreement regarding benefits or rewards provided in connection with\nthis Agreement or your Account. If either party elects to arbitrate, the Claim shall be settled by BINDING\nARBITRATION under the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d). This agreement to arbitrate shall include any Claim\ninvolving our current and former officers, directors, employees, agents, representatives, contractors, subcontractors,\nparent, subsidiaries, affiliates, successors, assigns, any third party that assigned any agreements to us and any of the\nrespective current and former employees, officers, agents or directors of such affiliates or third parties, and any such\nClaim against any of those parties may be joined or consolidated with any related Claim against us in a single arbitration\nproceeding. In addition, if we become a party in any lawsuit that you have with any third party, whether through\nintervention by us or by motion or pleading made by you or any third party, we may elect to have all claims in that lawsuit\nbetween you and such third party to be resolved by BINDING ARBITRATION under this Agreement.\nThe arbitration shall be administered by the American Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) under its Commercial Arbitration\nRules or the Consumer Arbitration Rules, as applicable (collectively the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d) in effect at the time the\ndemand for arbitration is filed. In the event of a conflict between the Arbitration Rules and this Agreement, this Agreement\nshall control. We will tell you how to contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask\nus in writing to do so. Or, you may contact the AAA directly at 1-800-778-7879 (toll free) or at www.adr.org.\nIf the Consumer Arbitration Rules apply and your Claim for actual damages does not exceed $75,000, you shall be\nresponsible for paying one-half of the arbitrator\xe2\x80\x99s fees, up to a maximum of $125 (if your Claim for actual damages does\nnot exceed $10,000) or $375 (if your Claim for actual damages exceeds $10,000 but does not exceed $75,000). For any\nconsumer-related Claim that does not exceed $75,000, we will pay all other arbitrator\xe2\x80\x99s fees and costs imposed by the\nadministrator of the arbitration.\nIf the Consumer Arbitration Rules apply and your Claim seeks actual damages in excess of $75,000 or non-monetary\ndamages, or if the Commercial Arbitration Rules apply, you shall be responsible for paying the administrative costs and\narbitrator\xe2\x80\x99s fees as provided in the applicable Arbitration Rules. Except as otherwise provided in this Agreement or in the\napplicable Arbitration Rules, the final award by the arbitrator(s) may apportion the administrative fees, expenses and\narbitrator\xe2\x80\x99s fees between you and us as part of the award, as the arbitrator(s) determines is appropriate. The fees and\ncost stated in this Agreement are subject to any amendments to the Arbitration Rules and fee and cost schedules of the\nAAA. The f ee and cost schedule in effect at the time you submit your Claim shall apply. The Arbitration Rules permit you\nto request a deferral or reduction of the administrative fees of arbitration if paying them would cause you extreme\nhardship.\nEach party also has the option of filing an action in small claims court or your state\xe2\x80\x99s equivalent court, for any\nClaim or disputes within the scope of the small claims court\xe2\x80\x99s jurisdiction. But if a Claim is transferred, removed\nor appealed to a different court, we then have the right to demand arbitration of the Claim.\nThe arbitration of any Claim of $150,000 or greater shall be conducted by a panel of three arbitrators, unless you and we\nagree otherwise. The arbitration of any Claim of a lesser amount shall be conducted by one arbitrator. Unless you and we\nRev. 11/02/2020\n\nPage 11\n\n\x0chave agreed on the arbitrator(s), each arbitrator shall be selected in accordance with the procedure in the Commercial\nArbitration Rules for appointment from the national roster, except that the AAA will not administratively appoint any\narbitrator under any circumstances and regardless of the number of parties or amount of your Claim.\nExcept as expressly provided in this agreement to arbitrate, no Claim may be joined with another dispute or\nlawsuit, or consolidated with the arbitration of another Claim, or resolved on behalf of similarly situated\npersons, or brought as private attorney general or on another similar representative basis. For any Claim\nsubject to arbitration, you may not participate in a class action in court or in a class-wide arbitration, either as\na plaintiff or claimant, class representative or class member.\nAll statutes of limitation, defenses, and attorney-client and other privileges that would apply in a court proceeding shall\napply in and to the arbitration. Any in-person arbitration hearing will be held at a location that is reasonably convenient to\nall parties in either your state of residence or the state of your billing statement address with Regions, with due\nconsideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location,\nthat determination shall be made by the arbitrator(s).\nAny dispute regarding whether a particular controversy is subject to arbitration, including any claim of unconscionability\nand any dispute over the enforceability, scope, reach or validity of this agreement to arbitrate disputes or of this entire\nAgreement, shall be decided by the arbitrator(s).\nThe arbitrator(s) shall establish such reasonable procedures as may be necessary for the reasonable exchange of\ninf ormation and materials between the parties prior to such arbitration. In rendering an award, the arbitrator(s) shall apply\napplicable contract terms, statutes and legal precedent and shall follow the Federal Rules of Evidence, enforce applicable\nprivileges, and employ applicable burdens of proof. The arbitrator(s) shall award only such relief as a court of competent\njurisdiction could properly award under applicable law (and which shall be governed by the constitutional standards\nemployed by the courts). The arbitrator(s) shall have the authority to award attorneys\xe2\x80\x99 fees, costs and expenses, in whole\nor in part, in instances where such is authorized by applicable law.\nAll awards shall be reasoned awards and the arbitrator\xe2\x80\x99s findings, reasoning, decision, and award shall be set forth in\nwriting and shall be based upon and be consistent with the law of the jurisdiction that applies to the Claim. Judgment on\nthe arbitration award may be entered in any court having jurisdiction.\nIn the event that the arbitration results in an award which imposes an injunction on you or on us or contains a monetary\naward in excess of $250,000, the award shall be reviewable on appeal initiated within 30 days of the award, and shall not\nbe considered final until after the time for filing the notice of the appeal has expired. The appeal shall be governed by the\nAAA Optional Appellate Arbitration Rules; to the extent they are not inconsistent with this Agreement, and shall be\nconducted by a panel of three new arbitrators selected to hear the appeal under the procedure for appointment from the\nnational roster, except that the AAA shall not unilaterally appoint the arbitrators for the appeal, unless you and we so\nagree. Appeals must be initiated within thirty (30) days of receipt of the underlying award, by filing a Notice of Appeal with\nany AAA office. The decision of the panel shall be by majority vote. Such review shall reconsider anew any aspect of the\ninitial award requested by the appealing party. Following the appeal process, the decision rendered by the appeal tribunal\nmay be entered in any court having jurisdiction thereof. If the award does not impose an injunction on you or on us or\ncontain a monetary award in excess of $250,000, then the award shall not be appealable and shall only be subject to such\nchallenges as would otherwise be permissible under the FAA.\nThis agreement to arbitrate does not limit the right of you or us, whether before, during or after the pendency of any\narbitration proceeding, to exercise self-help remedies such as set-off, recoupment, repossession, trustee\xe2\x80\x99s sales and the\nlike. This agreement to arbitrate does not limit the right of you or us, whether before or during the pendency of any\narbitration proceeding to bring an action (individually, and not on behalf of a class) to obtain provisional or ancillary\nremedies or injunctive relief (other than a stay of arbitration) to protect the rights or property of the party seeking such\nrelief . However, the arbitrator(s) shall have the power to vacate and/or stay any such proceedings or orders granting\nprovisional or ancillary remedies or injunctive relief, upon application by you or us. The taking by either you or us of any of\nthe self -help remedies or by filing any action in court, including but not limited to the actions described in the preceding\nsentence, shall not be deemed to be a waiver of the right to elect BINDING ARBITRATION of any Claim upon the filing of\na counterclaim, crossclaim, third party claim or the like by either you or us in response to any such action.\nYou and we specifically acknowledge and agree that this Agreement evidences a \xe2\x80\x9ctransaction involving commerce\xe2\x80\x9d under\nthe FAA, and hereby waive and relinquish any right to claim otherwise. You and we hereby acknowledge, agree and\nstipulate that Regions Bank is a multi-state banking organization engaging in interstate banking and commerce; all\ntransactions on credit card accounts involve interstate commerce; and we regularly use the services of businesses\nlocated in other states in opening and administering credit card accounts.\nRev. 11/02/2020\n\nPage 12\n\n\x0cShould the AAA be unavailable, unable or unwilling to accept and administer the arbitration of any Claim, or any appellate\nproceeding, as applicable, or otherwise refuse or decline to accept and administer the arbitration of any Claim, or any\nappellate proceeding, as applicable \xe2\x80\x93 in whole or in part and for any reason whatsoever or for no reason \xe2\x80\x93 this agreement\nto arbitrate shall not fail or be invalidated as a result. Rather, in that instance, any party to the Claim may then petition a\ncourt of competent jurisdiction under 9 U.S.C. \xc2\xa7 5 to appoint the arbitrator(s). Upon consideration of such a 9 U.S.C. \xc2\xa7 5\npetition, should the court decline or refuse to appoint the arbitrator(s), then and only then and within 30 days of a final and\nnon-appealable decision on the matter f rom such court, you and we shall each respectively pick one arbitrator, and those\ntwo arbitrators shall then, by mutual agreement and within 30 days of the selection of the second of them, select a third\narbitrator. The third arbitrator so selected shall then arbitrate the Claim as the sole arbitrator, except with respect to a\nClaim f or $150,000 or greater, in which case all three arbitrators so selected shall arbitrate the claim together, with the\naward and all pre-award decisions made by majority vote. In the case of any arbitration not administered by the AAA, the\narbitrator(s) shall still be bound by all applicable provisions of this agreement to arbitrate and the Federal Arbitration Act.\nThey f urther shall administer and conduct the arbitration under the applicable AAA Arbitration Rules, to the extent such\nrules may be practicably applied to an arbitration not administered by the AAA.\nIf any term or provision of this agreement to arbitrate disputes and waiver of jury trial is held to be invalid or\nunenf orceable, the remaining provisions shall be enforced without regard to the invalid or unenforceable term or provision;\nprovided, that if you or we seek to bring a joined, consolidated, or class action for arbitration, and if the foregoing\nprohibition against the arbitration of joined, consolidated or class actions is finally held by an authority of competent\njurisdiction to be invalid or unenforceable, the arbitration agreement between you and us shall then be deemed\ninapplicable to such joined, consolidated or class action, to the effect that any permitted and lawful joined, consolidated or\nclass action shall be adjudicated in accordance with the provisions of applicable law and shall not be resolved through\narbitration (provided further, that the jury trial waiver shall, in any event, remain in full force and effect to the fullest extent\npermitted by law). This agreement to arbitrate disputes and waiver of jury trial shall survive your death, the closing of your\naccount and the termination of any of your business or transaction(s) with us, any bankruptcy to the extent consistent with\napplicable bankruptcy law and shall also survive as to any Claim covered within the scope of this Agreement.\nWhether any controversy is arbitrated or settled by a court, you and we voluntarily and knowingly waive any right\nto a jury trial with respect to such controversy to the fullest extent allowed by law.\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.\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 the address shown in the version of this section that is\nincluded on your billing statement. In your communication, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description 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:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\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 have\nalready 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:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAf ter we f inish our investigation, one of two things will happen:\nRev. 11/02/2020\n\nPage 13\n\n\x0c\xe2\x80\xa2\n\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.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand f ees. We will send you a statement of the amount you owe and the date payment is due. We may then report you\nas 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 still\nref use to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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 bill\nis 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 the\npurchase.\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 are 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.)\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, write to us at the address shown on the\npayment coupon included with your statement. While we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we f inish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nRev. 11/02/2020\n\nPage 14\n\n\x0cPRICING INFORMATION FOR REGIONS VISA\xc2\xae CREDIT CARDS\nThis table summarizes certain costs for new Regions Life, Prestige, Cash Rewards, and Premium Visa Credit Card\nAccounts. Each Account is governed by the Credit Card Agreement sent with the Card, which contains the full terms and\nconditions of the Account. Regions may change the interest rates, fees and other terms as provided in the Credit\nCard Agreement. This information about the costs of the cards is accurate as of July 1, 2021, but\nmay have changed since that date. To find out what may have changed, you can call us at 1-800-253-2265.\nPlease carefully review this information.\nInterest Rates and Interest Charges\n\n0% introductory APR* for:\n15 Months* for Regions Life\n12 Months* for Regions Prestige, Cash Rewards, and Premium\nAfter that your APR will be:\n\n11.99% - 21.99% for Regions Life, based on your creditworthiness\nand other factors as determined at the time of account opening.\nAnnual Percentage Rate (APR)\nfor Purchases\n\n12.99% - 22.99% for Regions Prestige, based on your\ncreditworthiness and other factors as determined at the time of account\nopening.\n\n13.99% - 23.99% for Regions Cash Rewards, based on your\ncreditworthiness and other factors as determined at the time of account\nopening.\n\n13.99%\n\nAPR for Term ItSM Plans\n\nfor Regions Premium\nThis APR will vary with the market based on the Prime Rate.a\n11.99% - 21.99% for Regions Life, based on your creditworthiness and other\nfactors as determined at the time of account opening.\n12.99% - 22.99% for Regions Prestige, based on your creditworthiness and other\nfactors as determined at the time of account opening.\n13.99% - 23.99% for Regions Cash Rewards, based on your creditworthiness and\nother factors as determined at the time of account opening.\n13.99% for Regions Premium\nThis APR will vary with the market based on the Prime Rate.a\n\nAPR for Balance Transfers\n\n0% introductory APR\xe2\x80\xa0 for:\n15 Months\xe2\x80\xa0 for Regions Life\n12 Months\xe2\x80\xa0 for Regions Prestige, Cash Rewards, and Premium\nAfter that your APR will be:\n11.99% - 21.99% for Regions Life, based on your creditworthiness and other\nfactors as determined at the time of account opening.\n12.99% - 22.99% for Regions Prestige, based on your creditworthiness and\nother factors as determined at the time of account opening.\n13.99% - 23.99% for Regions Cash Rewards, based on your\ncreditworthiness and other factors as determined at the time of account\nopening\n13.99% for Regions Premium\nThis APR will vary with the market based on the Prime Rate. a\n\nAPR for Cash Advances\n\nHow to Avoid Paying Interest\non Purchases\n\n24.99%\nThis APR will vary with the market based on the Prime Rate.b\nYour due date is at least 21 days after the close of each billing cycle.\nFor Purchases placed in Term It Plans -- We will begin charging interest on the\npurchase on the date you place it in a Term It Plan.\nFor Other Purchases -- We will not charge interest on purchases if you pay your\nentire balance, minus any balance owed on Term It Plans, plus any monthly Term\nIt Plan payments, by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\n\x0cFees\nAnnual Fee\n\nNone for Regions Life, Prestige, and Cash Rewards\n$125 for Regions Premium\n\nTransaction Fees:\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees:\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each cash advance, whichever is greater\nNone\n\n\xe2\x80\xa2 Late Payment\n\nUp to $39\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."\nSee your Credit Card Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the applicable Standard Rate if you make a\nlate payment.\nAdditional Terms and Conditions\nVariable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins\nare shown below. The index is the highest U.S. Prime Rate as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal on the last publication day of each month. An increase or decrease in the index will cause a corresponding\nincrease or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the\nindex is published. An increase in the index means that you will pay higher interest charges and have a higher Total\nMinimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of\nthe U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index.\na\n\nb\n\nStandard Rates for Purchases, Term It Plans, and Balance Transfers:\n\xe2\x80\xa2 Regions Life - Wall Street Journal Prime + a margin of 8.74% - 18.74%\n\xe2\x80\xa2 Regions Prestige - Wall Street Journal Prime + a margin of 9.74% - 19.74%\n\xe2\x80\xa2 Regions Cash Rewards - Wall Street Journal Prime + a margin of 10.74% - 20.74%\n\xe2\x80\xa2 Regions Premium - Wall Street Journal Prime + a margin of 10.74%\nStandard Rate for Cash Advances:\n\xe2\x80\xa2 Wall Street Journal Prime + a margin of 21.74%\n\nIntroductory Rates:\n* Introductory Rate on Purchases applies through the end of either the 15th monthly billing cycle (for Regions Life\nAccounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards, and Premium Accounts) after the\nAccount is opened for all Purchases posted to the Account during the same period. When this Introductory APR\nterminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the Standard\nAPR for Purchases disclosed above, as it may be changed under the Agreement.\n\xe2\x80\xa0 Introductory Rate on Balance Transfers applies through the end of either the 15th monthly billing cycle (for Regions Life\nAccounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards and Premium Accounts) after the\nAccount is opened for all Balance Transfers posted within 60 days of Account opening. When this Introductory APR\nterminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the applicable\nStandard APR for Balance Transfers disclosed above, as it may be changed under the Agreement.\n\n\x0c'


b"Credit Card Application\nA table that includes required credit card disclosures is on a separate\ndocument provided with this Application. To obtain any change in the\nrequired information since it was printed, write to us at the address stated on\nthis Application.\n\nCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.\nIndividual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if:\n1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI);\n2. your spouse will use the account, or\n3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance,\ncomplete the Other section to the extent possible about the person on whose payments you are relying.\nJoint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the applicant, mark the Co-Applicant\nbox.\nCredit Limit Requested $\nGuarantor: Complete the Other section if you are a guarantor on an account/loan.\nAPPLICANT\n\nOTHER\n\nNAME (Last - First - Initial)\n\nNAME (Last - First - Initial)\n\nCO-APPLICANT\n\nSPOUSE\n\nOTHER\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nDRIVER'S LICENSE NUMBER/STATE\n\nEMAIL ADDRESS\n\nDRIVER'S LICENSE NUMBER/STATE\n\nEMAIL ADDRESS\n\nBIRTH DATE\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nOWN\n\nBIRTH DATE\n\nHOME PHONE\n\nCELL PHONE\n\nBUSINESS PHONE/EXT.\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nRENT\n\nOWN\n\nLENGTH AT RESIDENCE\n\nRENT\n\nLENGTH AT RESIDENCE\n\nMORTGAGE/RENT OWED TO:\n\nMORTGAGE/RENT OWED TO:\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY\nSTATE:\nMARRIED\nSEPARATED\nUNMARRIED (Single - Divorced - Widowed)\nSTART DATE\n\nEMPLOYMENT/INCOME\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT\n\n$\n\n$\n\nINTEREST RATE\n\n%\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY\nSTATE:\nMARRIED\nSEPARATED\nUNMARRIED (Single - Divorced - Widowed)\nSTART DATE\n\nEMPLOYMENT/INCOME\n\nNAME AND\nADDRESS OF\nEMPLOYER\n\nNAME AND\nADDRESS OF\nEMPLOYER\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE\nREVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE\nREVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\nEMPLOYMENT INCOME\n\nEMPLOYMENT INCOME\n\nOTHER INCOME\n\n$_____________ Per _____________\n\n$_____________ Per _______________\n\nOTHER INCOME\n\n$_____________ Per ______________ $_____________ Per ______________\nNET\n\nGROSS\n\nNET\n\nSOURCE\n\nGROSS\n\nSOURCE\n\nOHIO RESIDENTS ONLY: The Ohio laws\nSTATE LAW NOTICES\nagainst discrimination require that all creditors\nmake credit equally available to all creditworthy customers, and that credit\nreporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\n\nunless the Credit Union is furnished a copy of the agreement, statement\nor decree, or has actual knowledge of its terms, before the credit is\ngranted or the account is opened. (2) Please sign if you are not applying\nfor this account or loan with your spouse. The credit being applied for, if\ngranted, will be incurred in the interest of the marriage or family of the\nundersigned.\n\nWISCONSIN RESIDENTS ONLY: (1) No provision of any marital property\nagreement, unilateral statement under Section 766.59, or court decree\nunder Section 766.70 will adversely affect the rights of the Credit Union\n\nSIGNATURE FOR WISCONSIN RESIDENTS ONLY\n\nX\nDATE\n\nSIGNATURES\n2. You understand that the use of your card will constitute\n1. You promise that everything you have stated in this application is\nacknowledgment of receipt and agreement to the terms of the credit card\ncorrect to the best of your knowledge. If there are any important changes\nagreement and disclosures. You grant us a security interest in all\nyou will notify us in writing immediately. You authorize the Credit Union to\nindividual and joint share and/or deposit accounts you have with us now\nobtain credit reports in connection with this application for credit and for\nand in the future to secure your credit card account. When you are in\nany update, increase, renewal, extension, or collection of the credit\ndefault, you authorize us to apply the balance in these accounts to any\nreceived. You understand that the Credit Union will rely on the information\namounts due. Shares and deposits in an Individual Retirement Account,\nin this application and your credit report to make its decision. If you\nand any other account that would lose special tax treatment under state\nrequest, the Credit Union will tell you the name and address of any credit\nor federal law if given as security, are not subject to the security interest\nbureau from which it received a credit report on you. It is a crime to\nyou have given in your shares and deposits.\nwillfully and deliberately provide incomplete or incorrect information in this\napplication.\n\nX\n\nX\n\n(SEAL)\n\nAPPLICANT'S SIGNATURE\n\nDATE\n\n(SEAL)\n\nOTHER SIGNATURE\n\nDATE\n\nCREDIT UNION USE ONLY\nAPPROVED\nDECLINED\n\nNO. OF CARDS\n\nCREDIT LIMIT $\n\nCREDIT CARD NUMBER\n\nCREDIT COMMITTEE OR LOAN OFFICER SIGNATURE\n\nCUNA Mutual Group 2009 All Rights Reserved\n\nAXC002-e\n\n\x0cSTANDARD MASTERCARD/GOLD MASTERCARD\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nStandard MasterCard\n\n5.90%\nF2\n\nto 18.00%\nF3\n\nwhen you open your account, based\n\non your creditworthiness.\nGold MasterCard\n\n5.90%\nF4\nAPR for Cash Advances\n\nto 18.00%\nF5\n\nwhen you open your account, based\n\non your creditworthiness.\nStandard MasterCard\n\n5.90%\n18.00% when you open your account, based on your\nF6\nto F7\ncreditworthiness.\nGold MasterCard\n\nPaying Interest\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n- Returned ACH Payment Fee\n\n5.90%\n18.00% when you open your account, based on your\nF8\nto F9\ncreditworthiness.\nWe will begin charging interest on purchases on the transaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\n1.00%\nF10\n\nof each transaction in U.S. dollars\n\n$25.00\nUp to F11\n$25.00\nUp to F12\n$25.00\nUp to F13\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nEffective Date.\nFebruary 1, 2014.\nThe information about the costs of the card described in this application is accurate as of F14\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nReturned ACH Payment Fee\nCard Replacement Fee\nRush Fee\nStop Payment Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n$25.00 or the amount of the required minimum payment, whichever is\nF15\nless, if you are ten (10) or more days late in making a payment.\n$25.00 or the amount of the required minimum payment, whichever is\nF16\nless.\n$25.00 or the amount of the required minimum payment, whichever is\nF17\nless.\n$5.00\nF18\n$27.50 2 days $55 Overnight\nF19\n$12.00\nF20\n\nD42NW1 (MXC402 CCM002)\n\n\x0c"