Credit Card Agreement 
for Regions Explore Visa® Credit Cards 

This document, together with the “Account Summary Table” on the accompanying card carrier, form the “Agreement” that 
governs the credit card account established for you by Regions Bank (“Account”) and each Regions Explore Visa credit 
card or other device issued to access the Account (a “Card”). In this Agreement, “we,” “us” and “our” mean Regions Bank, 
and “you” and “your” mean each person who applied for or otherwise agreed to be responsible for the Account. If  we use 
a capitalized term in this Agreement but we do not define that term, the term refers to the corresponding term used in your 
billing statement. Please read and keep these documents for your records. By keeping, using or permitting others to use 
the Account or any Card, you accept the terms of this Agreement.  

You acknowledge that your obligations under this Agreement are secured by the Regions savings account and related 
collateral identified in the Hold Authorization and Security Agreement that you signed when applying for the Account.  
Under the Hold Authorization and Security Agreement (and notwithstanding any provisions of this Agreement to the 
contrary), if your Account is closed for any reason, whether by you or us, we may apply the funds in this savings account 
to the amount owed on your Account, and retain any excess funds for up to sixty (60) days in order to cover any 
transactions, fees or charges that may post to your Account after it is closed.  If  the funds in the savings account are 
insuf ficient to pay the full amount owed on your Account, you agree to pay any remaining balance owed on the Account, 
to the f ullest extent permitted by law. 

Important Terms of Your Account 

Term 
Credit Limits  We will give you a credit limit for your Account. 

What It Means To You 

We also may give you different limits for different 
types of transactions. For example, we may tell 
you that you can only use part of your credit limit 
f or Cash Advances. We will tell you the initial 
credit limits for your Account on the card carrier. 
You agree not to attempt any transaction that 
would cause any outstanding balance on your 
Account to exceed the credit limit for that balance. 
If  any balance on your Account goes over the 
credit limit for any reason, we may require you to 
pay the amount that is over the limit right away. 
You will be in default under this Agreement if: 
• You f ail to make any payment required by this

Default 

Agreement,

• You f ail to make any payment required by any
other agreement you may have with Regions,
or

• You f ail to keep any of your obligations under
this Agreement or other agreement you may
have with Regions.

Changing 
Terms 

We may change the terms of this Agreement 
(including interest rates, fees and other charges) 
at any time. These changes may include adding 
or deleting terms.  

If  you have the right to reject any change, and if 
you reject the change in the manner provided in 
our notice of the change, we may terminate your 
right to receive additional credit under this 
Agreement and may ask you to return all Cards, 
Access Checks and other credit devices as a 
condition of your rejection. In addition to our right 
to change the terms of this Agreement, we also 
may replace your Card with another Card at any 

Our Rights and Responsibilities 
Your billing statements also will show your credit 
limits and available credit. We may change your 
credit limits at any time, subject to any 
requirements or restrictions of applicable law.  

This Agreement applies to all transactions and 
balances on your Account, including any 
transaction that would cause any outstanding 
balance on your Account to exceed any of your 
credit limits. 

If  you are in default, in addition to our other rights 
under this Agreement and subject to applicable 
law, we can require immediate payment of the 
total outstanding balance owed on your Account. 
Unless prohibited by applicable law, we can also 
require you to pay our collection costs, attorneys’ 
f ees, court costs and all other expenses we incur 
to enf orce our rights under this Agreement, as 
described more fully below in the “Collections” 
section. 
We may change these terms based on changes 
to your risk profile, such as changes to your 
payment patterns, transaction patterns, balance 
patterns, and utilization levels of this and other 
accounts, credit bureau information (including 
the age, history and type of other accounts), and 
relationships between each and all of these 
measures of risk. We may also change terms for 
reasons not related to your individual credit 
history, such as overall economic and market 
trends, changes in applicable law, product 
design, and business needs. If  we plan to 
change this Agreement, we will comply with the 

Rev.11/02/2020 

Page 1 

time. 

notice requirements and any other restrictions of 
applicable law that are in effect at that time. 

Using Your Account 

You may use your Account for the types of transactions described below. You may not use a Balance Transfer, Access 
Check or any other Cash Advance to make a payment on this or any other account with us or our affiliates. You may not 
use or permit your Account to be used for any illegal transaction. You may use your Account only for transactions that are 
legal where you conduct them. We may charge your Account for any illegal transactions, and we will not be liable if you 
engage in an illegal transaction. We may deny authorization of any transactions identified as Internet gambling. You may 
not use your Account to conduct transactions in any country or territory, or with any individual or entity that is subject to 
economic sanctions administered and enforced by the U.S. Department of the Treasury’s Office of Foreign Assets control 
(“OFAC”). Use of your Card in those countries will be blocked.  

Transaction  What It Means To You 
Purchases 

You may use your Account to buy or lease goods 
or services. 

Balance 
Transfers 

Cash 
Advances 

You may request us to make an advance from 
your Account to pay a balance you owe to 
another creditor. From time to time, we may offer 
you the option to use a special Access Check to 
make a Balance Transf er. Except for any such 
special offer, Balance Transfers do not include 
balances you pay using an Access Check. 
You may obtain cash or other advances in any of 
the f ollowing ways: 
• From us, another financial institution, a non-
f inancial institution, or automated teller
machine that accepts your Card.

• By using a check we may provide to you to

Our Rights and Responsibilities 
All Transaction Fees and adjustments associated 
with Purchases, as well as any Late Fees, Annual 
Fees and other fees listed in the “Account Fees 
and Charges” section below, will be treated as 
Purchases under this Agreement. 
We permit Balance Transfers from most non-
Regions credit card accounts. We reserve the 
right not to permit Balance Transfers from other 
Regions loans or accounts. All Transaction Fees 
and adjustments associated with Balance 
Transf ers will be treated as Balance Transfers 
under this Agreement. 
All Transaction Fees and adjustments associated 
with Cash Advances will be treated as Cash 
Advances under this Agreement. 

access your Account (an “Access Check”), as
described more fully below in the “Access
Check Transactions” section.

• By purchasing items that can be traded right
away f or cash, such as money orders,
traveler’s checks, lottery tickets or casino
chips.

• By placing bets or wagers (if legal).
• By using an advance to send funds via wire
transf er or other payment service, or to pay
taxes, fines or similar amounts.
• By getting an advance deposited to a

Regions checking account if you are enrolled
in an overdraft protection program under a
separate agreement with us (an “Overdraft
Advance”).

Access 
Check 
Transactions 

Each Access Check must:  
• Be f ully completed and signed by the person
whose name is printed on the Access Check,

• Not be f or an amount that would cause your
Account to go over any of your credit limits,
• Not be used if you are in default under this
Agreement, if we suspended or closed your
Account, or if we told you not to use the
Account, Card or Access Checks for any
reason, and

• Not be postdated or stale. This means the

date you put on the check cannot be a date
which is either (1) later than the date we get 
it, (2) more than six months before the date

Rev.11/02/2020 

Your billing statement will show the amount of 
each Access Check we paid. We will not return 
Access Checks to you, but you may ask us for 
copies of paid Access Checks. For each copy we 
provide, we may charge you the Document Fee 
described below in the “Account Fees and 
Charges” section.  

You may ask us to stop payment on an Access 
Check or to cancel a stop payment request by 
calling us at 1-800-253-2265. When you make 
this request, you must provide us with the Access 
Check number, dollar amount, and payee exactly 
as they appear on the Access Check. Stop 

Page 2 

we get it, or (3) af ter any expiration date 
provided for that Access Check.  

If  we return an Access Check because it does 
not meet any of these requirements, we may 
charge the Returned Check Fee described 
below in the “Account Fees and Charges” 
section. If we pay the Access Check anyway, 
you still have to pay us the amount of that Check 
and any applicable interest or fees. Unless 
required by applicable law, we do not have to 
pay any Access Check.  
We may offer a limited time introductory or other 
promotional interest rate on certain Purchases, 
Balance Transf ers, or Cash Advances that are 
lower than the standard rates for those types of 
transactions (“Promotional APRs”) and/ or limited 
time introductory or other promotional transaction 
f ees (“Promotional Fees”) that may be higher or 
lower than the standard fees provided below in 
the “Fees and Charges” section 
You may authorize others to make automatic and 
recurring charges to your Account. It is your 
responsibility (not ours) to notify anyone you are 
paying through automatic charges if your Card 
number or expiration date changes or if your 
Account is closed or suspended. 

If  you wish to cancel any recurring charges that 
you previously authorized, you must notify the 
merchant (not us) that you are terminating your 
authorization for those charges. 
Any transaction that is made in a foreign currency 
will be converted to U.S. dollars. Foreign 
transactions include, for example, online 
purchases from foreign merchants and Cash 
Advances obtained from an ATM or f inancial 
institution in another country. 

Promotional 
Transactions 

Automatic 
Charges 

Foreign 
Transactions 

payment requests on an Access Check are 
ef f ective for six months from the day that we 
place the stop payment. We need at least two (2) 
business days to be able to stop payment. We 
will not be liable to you or anyone else if we stop 
(or do not stop) payment [or cancel (or do not 
cancel) a stop payment request] on an Access 
Check. If  you request us to stop payment, we 
may charge the Stop Payment Fee described 
below in the “Account Fees and Charges” 
section, whether or not we actually stop payment. 

We will explain the terms and conditions of any 
promotion when making the offer. Except as we 
tell you in a promotional offer, the rest of this 
Agreement will apply to transactions at the 
Promotional APR or with the Promotional Fee. 
Subject to any requirements of applicable law, we 
may terminate any Promotional APR if we do not 
receive any required payment on your Account by 
the Payment Due Date. 
If  you have set up recurring preauthorized 
charges with a merchant and we issue a new 
credit card with a different number and/or 
expiration date to you, for your convenience we 
may (but are not obligated to) make available 
your new card number and/or expiration date so 
that those charges may continue. 

If  you make a transaction in a foreign currency, 
the transaction will be converted by Visa 
International into a U.S. dollar amount in 
accordance with the operating regulations or 
conversion procedures in effect at the time the 
transaction is processed. Currently, those 
regulations and procedures provide that the 
currency conversion rate to be used is either (1) a 
wholesale market rate or (2) a government-
mandated rate in effect one day prior to the 
processing date. The currency conversion rate in 
ef f ect on the processing date may differ from the 
rate in ef f ect on the transaction date or posting 
date. 

Rev.11/02/2020 

Page 3 

Authorizing 
Transactions/ 
Suspending 
and Closing 
your Account 

We may limit the number or dollar amount of 
transactions on your Account. We are not 
obligated to authorize or honor any transaction, 
even if  you have credit available. A merchant 
does not have to accept your Card, Checks or 
Account. We will not be liable to you or anyone 
else if  (1) we do not authorize a transaction or we 
decline to pay an Access Check, regardless of 
the reason, or (2) a merchant will not accept your 
Card, Checks or Account. Also, we will not be 
liable to you or anyone else for goods or services 
you bought or leased using your Account, or if 
your Card is retained by us, any other financial 
institution, or any merchant.   

You may close your Account by notifying us in 
writing at the address shown on your billing 
statement or by telephone at 1-800-253-2265.  

Af ter your Account is closed, whether by you or 
us, you no longer may make transactions on your 
Account, but your obligations under this 
Agreement will continue until we receive full 
payment of all amounts owed under this 
Agreement. 

We may suspend or close your Account or 
otherwise terminate your right to use your 
Account. We may do this at any time, for any 
reason and, unless required by law, without first 
notif ying you. Your obligations under this 
Agreement continue even after we have done 
this. Upon our request, you must destroy all 
Cards, Access Checks or other credit devices on 
the Account.   

Af ter your Account is closed, you must contact 
anyone authorized to charge transactions to your 
Account, such as internet service providers, 
health clubs or insurance companies. These 
transactions may continue to be charged to your 
Account until you change the billing.  Also, if we 
believe you have authorized a transaction or are 
attempting to use your Account after you have 
requested to close the Account, we may allow the 
transaction to be charged to your Account. 

You promise to pay us for all transactions on your Account, including those by anyone whom you allow to use the 
Account. You also promise to pay any interest, fees and other amounts you owe us under this Agreement. We will send 
you billing statements that show the amount you owe, the minimum amount you must pay for a particular billing cycle, and 
the date on which that required payment is due. You agree to review each statement upon receipt, and to call us promptly 
at 1-800-253-2265 about any suspicious transactions on your Account. 

Your Payment Obligations 

Term 

How and 
Where to 
Make 
Payments 

What It Means To You 
Your payments must conform to the requirements 
provided in this Agreement and each billing 
statement. The requirements on the statement 
may vary without prior notice. All payments must 
be made in U.S. dollars, and drawn on a financial 
institution located in the United States. You 
should mail your check or money order, with the 
payment coupon from each statement, to the 
address shown on the payment coupon.   

You may not use a postdated check to make a 
payment. If  you postdate a payment check, we 
may cash it upon receipt or return it to the person 
who sent it, in either case without waiting for the 
date shown on the check. We are not liable to 
you f or any loss or expense you incur that arises 
out of any action we may take.  

Any payments marked “paid in full” must be 
mailed to the address for disputed payments 
shown on the back of your billing statement, and 
not to the general payment address shown on the 
payment coupon included with your statement.   

Except as required by law, no payment, including 
those marked with “paid in full” or with any other 
restrictive words, shall operate as an accord and 
satisfaction without the prior written approval of 

Our Rights and Responsibilities 
For payments mailed to the address on the 
payment coupon:  
• We will credit each payment as of the date it is
received if (1) the payment is received by 5 p.m.
local time at this address, and (2) the payment 
meets the requirements of this Agreement.
• Payments received after 5 p.m. local time at this
address on any day (including the Payment Due
Date), but that otherwise meet the requirements
of  this Agreement, will be credited as of our next
business day.

• Credit f or any other payments may be delayed

up to f ive (5) days.

For other payments: 
•

•

If  we let you pay at a bank branch, we will credit
the payment as of the day we receive it.
If  we let you pay online or by phone, we will tell
you how to pay and when your payment will be
credited.

We may delay increasing your available credit for 
up to 10 days after you make a payment.   

We can accept late payments, partial payments, or 
payments with any restrictive writing without losing 
any of  our rights under this Agreement. 

Rev.11/02/2020 

Page 4 

Minimum 
Payment 
Due 

Grace 
Period on 
Paying 
Interest 

Payment 
Allocation 

one of  our senior officers. 
You may pay your Account in f ull at any time 
without penalty. For each billing cycle, you must 
pay at least the Total Minimum Payment Due 
shown on your billing statement by its Payment 
Due Date.  

The Total Minimum Payment Due for each billing 
cycle will be: 
•  Any past due amount;  
•  Any new Late Fee; and  
•  The greatest of: 
(1)  The total of  

(a)  one percent (1%) of your New 

Balance (excluding any new Late Fee 
or new interest charges on that 
balance), rounded to the nearest 
penny, and  

(b) any interest that accrued on the New 

Balance during that cycle,  
with this total rounded down to the 
nearest dollar; 

(2)  The New Balance, if  it is less than $15; or  
(3)  $15 if  the New Balance is at least $15. 

Payments made in any billing cycle that are 
greater than the Total Minimum Payment Due will 
not af fect your obligation to make the Total 
Minimum Payment Due for the next billing cycle. 
A “Grace Period” is any period of time during a 
billing cycle when you will not accrue interest on 
certain transactions or balances.  
•  There is a Grace Period on all Purchases if 
you pay the total New Balance shown on 
each billing statement by the applicable 
Payment Due Date. Where required by 
applicable law, we will not charge interest on 
any portion of a Purchase balance that is 
repaid by the first specified Payment Due 
Date af ter each Purchase was made if you 
paid the total New Balance for the previous 
billing cycle by the specified due date.  
•  There is no Grace Period for Balance 

Transf ers or Cash Advances. 

You may reduce the amount of interest you pay 
by making payments that are larger than the 
Total Minimum Payment Due. Because federal 
law requires payment amounts in excess of your 
Total Minimum Payment Due to be applied first to 
higher APR balances, these balances will be paid 
of f more quickly and you will pay less interest on 
them than if  you paid only the Total Minimum 
Payment Due. 

If  a payment is credited to your Account but is 
returned unpaid in a later billing cycle, we will 
recalculate the Total Minimum Payment Due for the 
billing cycle in which the payment was originally 
credited.   

If  you overpay or otherwise have a credit balance 
on your Account, we will not pay interest on the 
credit balance. We will send you a refund for any 
credit balance as required by law or earlier at your 
request. If  a credit balance of less than $1 has 
remained on your account for at least 6 months (for 
example, because you have not used your account 
or requested a ref und), you agree that we may 
automatically remove that credit balance, and you 
waive any claims you may have to that credit 
balance.  

We reserve the right to reject any payment if your 
Account has a credit balance as of the day we 
receive that payment.  

Generally, credits to your Account, such as refunds 
f rom merchants, are not treated as payments and 
may not be applied toward your Total Minimum 
Payment Due. We will choose how to apply a credit 
to your existing Account balances. 
Your Payment Due Date is at least 21 days after 
the closing date for each billing statement.   

Except as described in this section, if you do not 
pay your total New Balance by the Payment Due 
Date, we will start charging interest on each new 
Purchase on the transaction date or the first day of 
the billing cycle in which the Purchase posts to your 
Account, whichever occurs later.  

If  your Account has balances with different APRs, 
we will allocate the amount of any payment that is 
less than or equal to the Total Minimum Payment 
Due to the lowest APR balances first. Payment 
amounts in excess of your Total Minimum Payment 
Due will be applied to balances with higher APRs 
bef ore balances with lower APRs. 

Account Fees and Charges 

You agree to pay (1) the f ees and charges listed below, and (2) the Transaction Fees shown in the Account Summary 
Table, subject to any limitation of applicable law. We will not charge the Cash Advance Transaction Fee on any Overdraft 
Advance. 

Annual Fee: Your Account may be charged the amount (if any) shown in the Account Summary Table on the card carrier. 
If  an Annual Fee applies to your Account, this fee will be charged to your Account when we issue the Card, and annually 
at the end of  the month that includes the anniversary date of the opening of the Account. If applicable, it will be charged 
regardless of whether you use the Account, and is not refundable even if the Account is closed for any reason by either 

Rev.11/02/2020 

Page 5 

 
 
 
 
 
 
 
 
 
you or us. 
Late Fee: You may be charged $28 if the Total Minimum Payment Due shown on your billing statement is not received by 
us on or before its Payment Due Date. If a late fee was assessed any time in the prior six (6) billing cycles, then the 
amount of the late fee will be $39. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to 
assessment of the fee. If your balance is less than $50, we will not assess a Late Fee.  
Return Access Check Fee: You may be charged $25 if  we return an Access Check unpaid for any reason, even if the 
Access Check is paid upon subsequent presentment. The Returned Access Check Fee will not exceed the dollar amount 
of  the Access Check. 
Copy Fee: You may be charged $5 f or each copy of a billing statement or sales draft, except that the six most recent 
statements and one sales draft will be provided for f ree. We will not charge this fee if you reside in Delaware, Indiana, 
Kansas, Louisiana, Maryland, Pennsylvania, South Carolina, West Virginia or Wyoming. Regardless of where you reside, 
we will not charge for any statement or sales draft you request in good faith in connection with the resolution of any 
disputed billing matter. 
Expedited Delivery Fee: You may be charged this Fee if you request and we agree to arrange for expedited delivery of 
any Card to you (for example, by an overnight delivery service). The amount of the Expedited Delivery Fee will depend on 
the type of delivery you choose to receive, and will be disclosed to you when you request expedited delivery. If you then 
conf irm and we honor your request, we will charge the fee. We will not charge an Expedited Delivery Fee in Colorado, 
Delaware, Indiana, Kansas, Louisiana, Maryland, New York, Pennsylvania, South Carolina, West Virginia or Wyoming. 

Stop Payment Fee: You may be charged $25 for each stop payment requested on an Access Check, whether or not we 
actually stop payment, subject to any restrictions of applicable law. We will not charge a Stop Payment Fee in Colorado, 
Delaware, Indiana, Kansas, Louisiana, Maryland, New York, Pennsylvania, South Carolina, West Virginia or Wyoming. 
Collection Costs: If you are in default, unless prohibited by applicable law we can require you to pay our collection costs, 
attorneys’ fees, court costs and all other expenses we incur to enforce our rights under this Agreement. These costs may 
include reasonable fees to attorneys who are not our paid employees. We will not charge you for our collection costs if 
you owe us $300 or less. We will not charge attorneys’ fees that exceed 15% of the unpaid debt in Alabama, Colorado, 
Georgia, Kansas, Maine, Missouri, Montana, North Carolina, Oklahoma or South Carolina, 20% of the amount due in New 
York, or 25% of the unpaid debt in Louisiana. We will not charge attorneys’ fees if the principal amount you owe us is less 
than $1,000 in Idaho or Wyoming. We will not charge collection costs other than attorneys’ fees if you live in Colorado, 
Delaware, Idaho, Indiana, Kansas, Louisiana, Maine, Maryland, New York, North Carolina, Oklahoma, South Carolina or 
Wyoming. We will not charge you attorneys’ fees, court costs or other collection costs incurred as a result of your default if 
you live in Pennsylvania, West Virginia or Wisconsin. 

The Daily Periodic Rates (“DPRs”) and Annual Percentage Rates (“APRs”) for your Account are shown on the 
Account Summary Table on the card carrier. We calculate each DPR by dividing the APR by the number of days in the 
year. 

Interest Charges 

Variable APRs 
Except for any Promotional APR, the APRs for your Account are variable rates. We calculate each variable APR by 
adding together an index and a margin. The margin used to calculate each APR is shown on the Account Summary Table 
on the card carrier. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street 
Journal on the last publication day of each month. If  The Wall Street Journal does not publish the U.S. Prime Rate, or if it 
changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index. An increase 
or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your 
billing cycle that begins in the same month in which the index is published. An increase in the index means that you will 
pay higher interest charges and have a higher Total Minimum Payment Due.  

How We Calculate Interest 
We use the average daily balance method (including new transactions) to calculate the interest owed on your Account for 
each billing cycle:  
• We f irst figure out the average daily balance for each type of transaction. By type of transaction, we mean Purchases,

Cash Advances, Balance Transfers and any such transaction subject to a promotional offer. If any portion of a
Purchase balance received a Grace Period, that amount is not included in this calculation.

• To get the average daily balance for each type of transaction, we take the beginning balance for that transaction-type,

which will include any unpaid balance on those transactions and any unpaid interest on those transactions.

• To the beginning balance, we add:

* An amount equal to the applicable DPR multiplied by the previous day’s closing daily balance, and
* Any new transactions, applicable fees or other debits.

• Then we subtract any payments or credits. This gives us the daily balance. If any daily balance is less than zero we

treat it as zero.

Rev.11/02/2020 

Page 6 

• Next, we add up all the daily balances for that transaction-type during the billing cycle, and then divide this total by the
number of days in the billing cycle. This gives us the average daily balance. This method of calculating the average
daily balance results in charging interest on unpaid interest (also known as compounding) and fees.
• We multiply the average daily balance by the applicable DPR, and then we multiply the resulting amount by the

number of days in the billing cycle to determine the amount of interest owed for that type of transaction.
• Af ter calculating the amount of interest owed for each type of transaction, we add together these amounts to

determine the total amount of interest owed on your Account for the billing cycle. If any interest charge is due, we will
charge you at least the Minimum Interest Charge shown on the Account Summary Table.

We may use mathematical formulas or computer programs which produce equivalent results to calculate the average 
daily balance, interest charges and related amounts. 

We add transactions and fees to your daily balance (and they may begin accruing interest) no earlier than:  
• For new Purchases – the transaction date or the first day of the billing cycle in which the Purchase posts to your

Account, whichever occurs later.

• For new Balance Transf ers and Cash Advances – the transaction date. For Access Checks and Balance Transfers 
made by check, the transaction date is the date the check is first deposited or cashed. For Balance Transfers made
electronically, the transaction date is the date we transmit the Balance Transfer to your other creditor.
• For a Returned Payment – the date that the corresponding payment had been credited to your Account.
• Fees – the date of a related transaction, the date of the activity or condition for which the fee is charged or, at our

option, the last day of the applicable billing cycle.

These sections describe how certain conditions may or may not affect your responsibility for the Account. 

Your Responsibility for the Account 

Our Rights and Responsibilities 
All persons who requested or otherwise agreed 
to be responsible for the Account, whether at 
the time of application or later, are individually 
and jointly responsible for the total outstanding 
balance on the Account. If  you and one or more 
persons are responsible to pay any total 
outstanding balance, we may refuse to release 
any of  you from liability until you repay the total 
outstanding balance owed to us under the terms 
of  this Agreement. 

At your request, we may issue a Card to an 
authorized user. We have no obligation to issue 
cards to any authorized user, and we may 
terminate the access of any or all authorized 
users to your Account at any time. If we 
terminate an authorized user’s access to your 
Account, we may close your Account and open 
a new account with a different account number. 

Condition 

Joint 
Account 

Authorized 
Users 

What It Means To You 
If  you have a joint Account, each of you may use 
the Account and we may ask any one of you to pay 
any balance due on the Account. We may send 
notice to any one of you, and it will be considered 
notice to all of you. Any one of you may give us 
any notice under this Agreement. If  you give us 
dif ferent notices or make different requests, we 
may pick which one to honor without telling any of 
you. We will not owe anything to you or anyone 
else because we picked one of your notices or 
requests. We may send Account materials (Cards, 
billing statements and notices) to any of you, and 
you will be responsible for delivering those 
materials to the others and to any authorized 
users. 
If  you permit any person to use your Card, Access 
Checks, Account number, or other credit device 
with the authorization to obtain credit on your 
Account, you will be responsible for all transactions 
made by that person to the fullest extent permitted 
by law, including transactions for which you may 
not have intended to be liable, even if the amount 
of  those transactions causes your credit limit to be 
exceeded. Authorized users may have the same 
access to information about the Account and its 
users as you have.  

You may allow authorized users on your Account 
in the f ollowing ways:  
• By notifying us that you want someone added
to your Account as an authorized user; or
• By lending your Card or Account number to

another; or

• By any other ways in which you would be

legally considered to have authorized another
person to use your Account or be legally
prevented from denying that you did so.

Rev.11/02/2020 

Page 7 

You must think carefully before you allow anyone 
to become an authorized user. By doing so, you 
authorize the person to use your Account to the 
same extent you can, including but not limited to 
making any Purchases, Balance Transfers, Cash 
Advances, and allowing others to use your 
Account. Your Account does not permit you to limit 
the nature or amount of authority you give to any 
authorized user and you will not attempt to do so. 
An authorized user’s authority will continue until 
you notify us that you are terminating the authority 
and you physically retrieve the Card. If  you cannot 
retrieve the Card, you will remain liable for any 
transactions that we cannot prevent after you notify 
us. 
If  you notice the loss or theft of your Card or 
possible unauthorized use of your Account, you 
should write to us immediately at: Regions Bank, 
PO Box 413, Birmingham, Alabama, 35201, or call 
us at 1-800-253-2265. 

Unauthorized 
Transactions 

You will not be liable for any unauthorized use 
that occurs after you notify us. You may, 
however, be liable for unauthorized use that 
occurs before your notice to us. We will extend 
to you the benefits of the zero liability policy, in 
ef f ect at the time of any unauthorized use, for 
the network responsible for processing 
transactions on your Card. In any case, your 
liability will not exceed $50. 

Term 
Changes to Your 
Contact 
Information 

Credit 
Information 

Telephone Calls 
and Other 
Communications 

Benefits and 
Rewards 

Credits and  
De Minimis 
Refunds 

Other Account Terms 

What It Means To You  
You must notify us immediately of any change to your address or any of your other contact 
inf ormation by writing or calling us using the Customer Service address or phone number provided 
on each billing statement. 
We may get and review your credit history from credit reporting agencies and others. We also may 
provide information about you and your account to credit reporting agencies and others. If you 
believe we have furnished inaccurate or incomplete information about you or your account 
to a credit reporting agency, write to us at: Regions Bank, Credit Reporting Agencies, 2050 
Parkway Office Circle, Hoover, Alabama 35244. Please include your name, address, home 
phone number, and account number, and explain what you believe is inaccurate or 
incomplete. 
By providing us with your telephone number(s) and other contact information, you agree that 
Regions Bank, its successors or assigns, or any company or person providing services in 
connection with your Account may contact you for any informational purposes related to your 
Account and in any manner permitted or required by law. This contact may be made using an 
automatic telephone dialing system, leaving you a voice or prerecorded message, or sending you a 
text, email or other electronic message (each a “Communication”). You acknowledge and agree that 
you are providing this consent to receive Communications as consideration and as a bargained-for 
term in a legally binding agreement, and that this consent is irrevocable by you to the maximum 
extent allowed by law. If  you wish to revoke your consent to be contacted at any cellular telephone 
number using an automatic telephone dialing system and/or an artificial or prerecorded message, 
we will consider your request in our sole and absolute discretion, subject to the requirements of 
applicable law, but you must make your request by calling us at 1-888-219-9227. 
You may be offered certain benefits and rewards with your Account. We may change, add, or delete 
benef its and rewards at any time and without notice to you. Any such benefits or rewards are not a 
part of this Agreement, but are subject to the terms and restrictions provided in the separate 
agreement f or those benefits or rewards. 
If  we determine that a credit is due to your Account for any reason (such as the refund of a f ee 
charged in error), that credit will first be applied to the outstanding balance owed on the Account. 
You agree that, if your Account has been closed (whether by you or us) and the amount of any 
credit remaining after application to any outstanding balance is less than $1, we have no obligation 
to ref und that credit to you and you waive any claims you may have to that credit. 

Rev.11/02/2020 

Page 8 

 
 
 
 
Enforcement 

Arbitration 

Governing Law 

Assignment 

MD 
Residents 

NJ 
Residents 

Our f ailure or delay in exercising any of our rights under this Agreement does not mean that we 
cannot exercise those rights later. For example, if we take no action when you go into default, we 
may exercise our rights later if you continue in default or again go into default. If  any provision of 
this Agreement is found to be invalid, the remaining provisions will continue to be enforceable. 
Either you or we may ask to settle disputes relating to this Agreement or your Account by 
arbitration. Arbitration is a way of working out disputes without going to court. If  you or we ask for 
arbitration, we would all meet with a person called an arbitrator. An arbitrator is like a ref eree or a 
judge. The arbitrator will listen to what you and we have to say. The arbitrator will decide who is 
right. The arbitrator’s decision is called an award. The party who wins the award can take it to any 
court that could have heard the dispute and get an official judgment. The specific terms and 
conditions under which we may arbitrate a dispute are continued in the “Arbitration” section 
of this Agreement. Please read the rest of this section carefully. 
This Agreement is made in Alabama and we extend credit to you from Alabama. This Agreement 
and your Account are governed by the laws of the State of Alabama (without regard to its conflict of 
laws principles) and by any applicable federal laws, regardless of where you reside or use the 
Account. 
At any time and without notice to you, we may assign your Account, any sums owed on your 
Account, this Agreement, or our rights or obligations under your Account or this Agreement to any 
person or entity. The person or entity to whom we make any such assignment will be entitled to all 
of  the rights or obligations we have assigned. 
You have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a 
written inquiry concerning the status of your Account. Finance charges will be imposed on the 
outstanding balances from month to month in amounts or at rates not in excess of those permitted 
by law. 
All provisions of this Agreement are valid, enforceable and applicable in New Jersey. 

Arbitration 
If your Account was opened on or after October 3, 2017 and you were a “covered borrower” (as defined in the 
U.S. Department of Defense regulation implementing the federal Military Lending Act) when you applied for the 
Account, this ARBITRATION AND WAIVER OF JURY TRIAL section will not apply as long as you continue to be 
a covered borrower.  

ARBITRATION AND WAIVER OF JURY TRIAL. Except as expressly provided herein, you and we agree that either 
party may elect to resolve by BINDING ARBITRATION any controversy, claim, counterclaim, dispute or 
disagreement between you and us, whether asserted or brought in a direct, derivative, assignee, survivor, 
successor, beneficiary or personal capacity and whether arising before or after the effective date of this 
Agreement (any “Claim”). Claim has the broadest possible meaning and includes, but is not limited to, any 
controversy, claim, counterclaim, dispute or disagreement arising out of, in connection with or relating to any 
one or more of the following: (1) the interpretation, execution, administration, amendment or modification of this 
Agreement (including any Debt Cancellation Addendum to this Agreement); (2) your Account; (3) any charge or 
cost incurred pursuant to this Agreement; (4) any transaction involving your Account or this Agreement; (5) the 
collection of any amounts due under this Agreement or on your Account; (6) any alleged contract or tort arising 
out of or relating in any way to this Agreement, your Account, any transaction on your Account, any 
advertisement or solicitation, or your business, interaction or relationship with us; (7) any breach of any 
provision of this Agreement; (8) any statements or representations made to you with respect to this Agreement, 
your Account, any transaction on your Account, any advertisement or solicitation, or your business, interaction 
or relationship with us; (9) any property loss, damage or personal injury; (10) any claim, demand or request for 
compensation or damages from or against us; (11) any damages incurred on or about our premises or property; 
or (12) any of the foregoing arising out of, in connection with or relating to any agreement which relates to this 
Agreement, your Account, any credit, any charge, any transaction or your business, interaction or relationship 
with us, including without limitation any agreement regarding benefits or rewards provided in connection with 
this Agreement or your Account. If either party elects to arbitrate, the Claim shall be settled by BINDING 
ARBITRATION under the Federal Arbitration Act (“FAA”). This agreement to arbitrate shall include any Claim 
involving our current and former officers, directors, employees, agents, representatives, contractors, subcontractors, 
parent, subsidiaries, affiliates, successors, assigns, any third party that assigned any agreements to us and any of the 
respective current and former employees, officers, agents or directors of such affiliates or third parties, and any such 
Claim against any of those parties may be joined or consolidated with any related Claim against us in a single arbitration 
proceeding. In addition, if we become a party in any lawsuit that you have with any third party, whether through 
intervention by us or by motion or pleading made by you or any third party, we may elect to have all claims in that lawsuit 
between you and such third party to be resolved by BINDING ARBITRATION under this Agreement.  

Rev.11/02/2020 

Page 9 

The arbitration shall be administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration 
Rules or the Consumer Arbitration Rules, as applicable (collectively the “Arbitration Rules”) in effect at the time the 
demand for arbitration is filed. In the event of a conflict between the Arbitration Rules and this Agreement, this Agreement 
shall 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 
us in writing to do so. Or, you may contact the AAA directly at 1-800-778-7879 (toll free) or at www.adr.org. 

If  the Consumer Arbitration Rules apply and your Claim for actual damages does not exceed $75,000, you shall be 
responsible for paying one-half of the arbitrator’s fees, up to a maximum of $125 (if your Claim for actual damages does 
not exceed $10,000) or $375 (if  your Claim for actual damages exceeds $10,000 but does not exceed $75,000). For any 
consumer-related Claim that does not exceed $75,000, we will pay all other arbitrator’s fees and costs imposed by the 
administrator of the arbitration.  

If  the Consumer Arbitration Rules apply and your Claim seeks actual damages in excess of $75,000 or non-monetary 
damages, or if the Commercial Arbitration Rules apply, you shall be responsible for paying the administrative costs and 
arbitrator’s fees as provided in the applicable Arbitration Rules. Except as otherwise provided in this Agreement or in the 
applicable Arbitration Rules, the final award by the arbitrator(s) may apportion the administrative fees, expenses and 
arbitrator’s fees between you and us as part of the award, as the arbitrator(s) determines is appropriate. The fees and 
cost stated in this Agreement are subject to any amendments to the Arbitration Rules and fee and cost schedules of the 
AAA. The f ee and cost schedule in effect at the time you submit your Claim shall apply. The Arbitration Rules permit you 
to request a deferral or reduction of the administrative fees of arbitration if paying them would cause you extreme 
hardship.  

Each party also has the option of filing an action in small claims court or your state’s equivalent court, for any 
Claim or disputes within the scope of the small claims court’s jurisdiction. But if a Claim is transferred, removed 
or appealed to a different court, we then have the right to demand arbitration of the Claim.  

The arbitration of any Claim of $150,000 or greater shall be conducted by a panel of three arbitrators, unless you and we 
agree otherwise. The arbitration of any Claim of a lesser amount shall be conducted by one arbitrator. Unless you and we 
have agreed on the arbitrator(s), each arbitrator shall be selected in accordance with the procedure in the Commercial 
Arbitration Rules for appointment from the national roster, except that the AAA will not administratively appoint any 
arbitrator under any circumstances and regardless of the number of parties or amount of your Claim. 

Except as expressly provided in this agreement to arbitrate, no Claim may be joined with another dispute or 
lawsuit, or consolidated with the arbitration of another Claim, or resolved on behalf of similarly situated 
persons, or brought as private attorney general or on another similar representative basis. For any Claim 
subject to arbitration, you may not participate in a class action in court or in a class-wide arbitration, either as 
a plaintiff or claimant, class representative or class member. 

All statutes of limitation, defenses, and attorney-client and other privileges that would apply in a court proceeding shall 
apply in and to the arbitration. Any in-person arbitration hearing will be held at a location that is reasonably convenient to 
all parties in either your state of residence or the state of your billing statement address with Regions, with due 
consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, 
that determination shall be made by the arbitrator(s).  

Any dispute regarding whether a particular controversy is subject to arbitration, including any claim of unconscionability 
and any dispute over the enforceability, scope, reach or validity of this agreement to arbitrate disputes or of this entire 
Agreement, shall be decided by the arbitrator(s).  

The arbitrator(s) shall establish such reasonable procedures as may be necessary for the reasonable exchange of 
inf ormation and materials between the parties prior to such arbitration. In rendering an award, the arbitrator(s) shall apply 
applicable contract terms, statutes and legal precedent and shall follow the Federal Rules of Evidence, enforce applicable 
privileges, and employ applicable burdens of proof. The arbitrator(s) shall award only such relief as a court of competent 
jurisdiction could properly award under applicable law (and which shall be governed by the constitutional standards 
employed by the courts). The arbitrator(s) shall have the authority to award attorneys’ fees, costs and expenses, in whole 
or in part, in instances where such is authorized by applicable law.  

All awards shall be reasoned awards and the arbitrator’s findings, reasoning, decision, and award shall be set forth in 
writing and shall be based upon and be consistent with the law of the jurisdiction that applies to the Claim. Judgment on 
the arbitration award may be entered in any court having jurisdiction.  

In the event that the arbitration results in an award which imposes an injunction on you or on us or contains a monetary 
award in excess of $250,000, the award shall be reviewable on appeal initiated within 30 days of the award, and shall not 

Rev.11/02/2020 

Page 10 

be considered final until after the time for filing the notice of the appeal has expired.  The appeal shall be governed by the 
AAA Optional Appellate Arbitration Rules; to the extent they are not inconsistent with this Agreement, and shall be 
conducted by a panel of three new arbitrators selected to hear the appeal under the procedure for appointment from the 
national roster, except that the AAA shall not unilaterally appoint the arbitrators for the appeal, unless you and we so 
agree. Appeals must be initiated within thirty (30) days of receipt of the underlying award, by filing a Notice of Appeal with 
any AAA office. The decision of the panel shall be by majority vote. Such review shall reconsider anew any aspect of the 
initial award requested by the appealing party. Following the appeal process, the decision rendered by the appeal tribunal 
may be entered in any court having jurisdiction thereof.  If the award does not impose an injunction on you or on us or 
contain a monetary award in excess of $250,000, then the award shall not be appealable and shall only be subject to such 
challenges as would otherwise be permissible under the FAA. 

This agreement to arbitrate does not limit the right of you or us, whether before, during or after the pendency of any 
arbitration proceeding, to exercise self-help remedies such as set-off, recoupment, repossession, trustee’s sales and the 
like. This agreement to arbitrate does not limit the right of you or us, whether before or during the pendency of any 
arbitration proceeding to bring an action (individually, and not on behalf of a class) to obtain provisional or ancillary 
remedies or injunctive relief (other than a stay of arbitration) to protect the rights or property of the party seeking such 
relief . However, the arbitrator(s) shall have the power to vacate and/or stay any such proceedings or orders granting 
provisional or ancillary remedies or injunctive relief, upon application by you or us. The taking by either you or us of any of 
the self -help remedies or by filing any action in court, including but not limited to the actions described in the preceding 
sentence, shall not be deemed to be a waiver of the right to elect BINDING ARBITRATION of any Claim upon the filing of 
a counterclaim, crossclaim, third party claim or the like by either you or us in response to any such action.  

You and we specifically acknowledge and agree that this Agreement evidences a “transaction involving commerce” under 
the FAA, and hereby waive and relinquish any right to claim otherwise. You and we hereby acknowledge, agree and 
stipulate that Regions Bank is a multi-state banking organization engaging in interstate banking and commerce; all 
transactions on credit card accounts involve interstate commerce; and we regularly use the services of businesses 
located in other states in opening and administering credit card accounts.  

Should the AAA be unavailable, unable or unwilling to accept and administer the arbitration of any Claim, or any appellate 
proceeding, as applicable, or otherwise refuse or decline to accept and administer the arbitration of any Claim, or any 
appellate proceeding, as applicable – in whole or in part and for any reason whatsoever or for no reason – this agreement 
to arbitrate shall not fail or be invalidated as a result. Rather, in that instance, any party to the Claim may then petition a 
court of competent jurisdiction under 9 U.S.C. § 5 to appoint the arbitrator(s). Upon consideration of such a 9 U.S.C. § 5 
petition, should the court decline or refuse to appoint the arbitrator(s), then and only then and within 30 days of a final and 
non-appealable decision on the matter f rom such court, you and we shall each respectively pick one arbitrator, and those 
two arbitrators shall then, by mutual agreement and within 30 days of the selection of the second of them, select a third 
arbitrator. The third arbitrator so selected shall then arbitrate the Claim as the sole arbitrator, except with respect to a 
Claim f or $150,000 or greater, in which case all three arbitrators so selected shall arbitrate the claim together, with the 
award and all pre-award decisions made by majority vote. In the case of any arbitration not administered by the AAA, the 
arbitrator(s) shall still be bound by all applicable provisions of this agreement to arbitrate and the Federal Arbitration Act. 
They f urther shall administer and conduct the arbitration under the applicable AAA Arbitration Rules, to the extent such 
rules may be practicably applied to an arbitration not administered by the AAA.  

If  any term or provision of this agreement to arbitrate disputes and waiver of jury trial is held to be invalid or 
unenf orceable, the remaining provisions shall be enforced without regard to the invalid or unenforceable term or provision; 
provided, that if you or we seek to bring a joined, consolidated, or class action for arbitration, and if the foregoing 
prohibition against the arbitration of joined, consolidated or class actions is finally held by an authority of competent 
jurisdiction to be invalid or unenforceable, the arbitration agreement between you and us shall then be deemed 
inapplicable to such joined, consolidated or class action, to the effect that any permitted and lawful joined, consolidated or 
class action shall be adjudicated in accordance with the provisions of applicable law and shall not be resolved through 
arbitration (provided further, that the jury trial waiver shall, in any event, remain in full force and effect to the fullest extent 
permitted by law). This agreement to arbitrate disputes and waiver of jury trial shall survive your death, the closing of your 
account and the termination of any of your business or transaction(s) with us, any bankruptcy to the extent consistent with 
applicable bankruptcy law and shall also survive as to any Claim covered within the scope of this Agreement.  

Whether any controversy is arbitrated or settled by a court, you and we voluntarily and knowingly waive any right 
to a jury trial with respect to such controversy to the fullest extent allowed by law.    

Your Billing Rights: Keep This Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

Rev.11/02/2020 

Page 11 

What to Do If You Find a Mistake on Your Statement  
If  you think there is an error on your statement, write to us at the address shown in the version of this section that is 
included on your billing statement. In your communication, give us the following information:  
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you

believe it is a mistake.

You must contact us: 
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you

think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 
potential errors and you may have to pay the amount in question.  

What Will Happen After We Receive Your Letter  
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have

already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is

correct.

The charge in question may remain on your statement, and we may continue to charge you interest on that amount.

While we investigate whether or not there has been an error: 
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
•
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
Af ter we f inish our investigation, one of two things will happen:
•

If  we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 
amount.
If  we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest
and f ees. We will send you a statement of the amount you owe and the date payment is due. We may then report you
as delinquent if you do not pay the amount we think you owe.

•

If  you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
ref use to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.  

If  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 
is correct.  

Your Rights If  You Are Dissatisfied With Your Credit Card Purchases  
If  you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase.  

To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on
an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a

check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.
If  all of  the criteria above are met and you are still dissatisfied with the purchase, write to us at the address shown on the
payment coupon included with your statement. While we investigate, the same rules apply to the disputed amount as
discussed above. After we f inish our investigation, we 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 delinquent.

Rev.11/02/2020 

Page 12 

PRICING INFORMATION 

This table summarizes  certain costs for Regions Explore Credit Cards. Each account is governed  by the Credit 
Card Agreement sent with the card, which contains the full terms and conditions of the account. Regions may 
change  the  interest  rates,  fees  and  other  terms  as  provided  in  the  Credit  Card  Agreement.  This  information 
about  the  costs  of  the  cards  is  accurate  as  of  July  1,  2021,  but  may  have  changed  since  that  date.  To 
find out what may have changed, you can call us at 1-800-253-2265. Please carefully review this information. 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) 
for Purchases 

22.99%

This APR will vary with the market based on the Prime Rate a

APR for Balance Transfers 

22.99% 

This APR will vary with the market based on the Prime Rate.a 

APR for Cash Advances 

24.99% 

This APR will vary with the market based on the Prime Rate.b 

How to Avoid Paying Interest 
on Purchases 

Your due date is at least 21 days after the close of each billing cycle.  We will 
not charge interest on purchases if you pay your entire balance by the due 
date each month.  

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.50 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 
Annual Fee 

Transaction Fees: 

• Balance Transfer

• Cash Advance

$29 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each cash advance, whichever is greater 

• Foreign Transaction

None 

Penalty Fees: 

• Late Payment

Up to $39 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including  new 
transactions)."  See your account agreement for more details.  

Additional Terms and Conditions 

Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The 
margins are shown below. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of 
The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause 
a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the 
same  month  in  which  the  index  is  published.  An  increase  in  the  index  means  that  you  will  pay  higher  interest 
charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime 
Rate, or if it changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another 
index.  

a

b

Standard Rates for Purchases and Balance Transfers – Wall Street Journal Prime + a margin of 19.74%. 
Standard Rate for Cash Advances – Wall Street Journal Prime + a margin of 21.74%.  

04/01/2020