F03-L442-3 
SFNB-449 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances and 
Convenience 
Checks 
Paying Interest 

ACCOUNT OPENING DISCLOSURES 
INTEREST RATES AND INTEREST CHARGES 

10.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

10.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

14.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

Your due date is 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

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 

$25.00  

Transaction Fees 

Balance Transfer 

None 

Cash Advance and 
Convenience Checks 

3% of the amount of each cash advance, but not less than $4.00 
nor more than $50.00. 

  Foreign Purchase 
Transaction 

Penalty Fees 

  Late Payment 

  Returned 

Payment 

2% of each purchase transaction in US dollars. 

An amount equal to past due payment or $25.00, whichever is less  

Up to $25 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including 
current  transactions)."  For  further  details,  please  see  Additional  Disclosures,  below  or  the  Card 
Membership Rules that will be provided to you before you can begin using your new card. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the Card Membership Rules that will be provided to you before you can begin using your new 
card. 

6/13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
F03-L442-3 
SFNB-449 

1. 

2. 

3. 

ADDITIONAL DISCLOSURES 

Finance Charges start to accrue on cash advances, convenience checks and balance transfers of the 
date  the  item  is  posted  to  your  account.  Finance  charges  for  purchases  generally  will  start  to 
accrue from the date the item is posted to your account, however, no finance charges will accrue 
on new purchases if the entire balance in your account is paid by the due date each month. 

We figure the interest  charge  on your account  by applying the periodic rate to the  "average  daily 
balance" of your account. To get the "average daily balance" we take the beginning balance of your 
account  each  day,  add  any  new  purchases,  advances  or  fees,  and  subtract  any  payments  or 
credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle 
and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  "average  daily 
balance."  

Your  account  has  a  variable  rate  indexed  on  the  Prime  Rate.  The  rate  on  your  account  for 
purchases  and  balance  transfers  is  the  Prime  Rate  plus  7.00%  per  annum.  The  rate  on  your 
account for cash advances and convenience checks is the Prime Rate plus 11.00% per annum. Your 
rate  will  increase  if  the  Prime  Rate  increases,  but  will  only  change  one  time  per  statement  cycle.  
Changes in APRs (increases or decreases) due to changes in the Prime Rate will be effective on the 
first  day  of  your  next  statement  cycle  beginning  at  least  two  days  after  the  change  in  the  Prime 
Rate.  The  Prime  Rate  is  the  prime  rate  published  in  the  Money  Rates  column  of  The  Wall  Street 
Journal  in  effect  for  the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.   
Variable rate APRs are based upon the 3.25% Prime Rate in effect on August 13, 2010. 

The  information  about  the  costs  of  the  card(s)  is  accurate  as  of  June  2013.    This  information  may  have 
changed after that date.  To find out what may have changed, write to us at Bank Card  Center, P.O. Box 
6609, Pine Bluff, Arkansas 71611. 

6/13 

 
 
 
 
 
 
 
 
 
 
 
F03-L434-6 
SFNB-449                 

CARD MEMBERSHIP RULES 
Amended May 10, 2011 

   The words “I”, “we”, “me”, “my” and “us” will mean each and all persons making application for membership in the credit card 
system operated by the Bank or persons named as members on the front of the Card.  “Card” means Visa Classic, Visa Gold or 
MasterCard  credit  card  owned  and  issued  by  the  Bank.    “Bank”  means  Simmons  First  National  Bank,  Pine  Bluff,  Arkansas, 
U.S.A. 
Follow the Rules - 
    I agree to accept and comply with these membership rules. If I fail to follow the membership rules, the Bank can cancel my 
membership and may demand immediate payment of all amounts I owe. The Bank may amend the rules from time to time.  If the 
amendment  is  a  significant  change  in  account  terms,  I  will  be  given  an  opportunity  to  opt-out  of  the  proposed  amendment  in 
accordance with applicable law and regulations. In the event of an amendment to the rules, I agree to accept and comply with the 
amended rules, unless a right to opt out is granted and I timely exercise such right to opt out of the proposed amendment to the 
rules. 
Annual Fee –  
     I  agree  to  pay  an  annual  membership  fee  of  $25.00  per  account  for  Visa  Classic,  Visa  Gold  or  MasterCard  credit  card 
account.  The annual fee will be added to my account balance and appear on my statement in a month selected by the Bank.  In 
subsequent  years,  I  will  be  given  prior  notice  of  the  renewal  of  my  Card  account  on  my  monthly  statement  before  the  annual 
membership fee is assessed and instructions on terminating my Card account if I choose not to renew.  
Verification of Identity, Age and Creditworthiness-  
     I agree that the Bank may, and acknowledge that the Bank will, request information from me and from third parties to verify 
my identity and the identity of any other persons authorized to use my Card.  Further, I agree that the Bank may obtain consumer 
reports about me to determine my identity, age, eligibility for credit, renewal of credit and future extensions of credit for as long as 
this Card membership exists.  I understand and acknowledge that if I am under the age of 21 certain additional conditions and 
terms  may  be  applicable  to  my  card  account  as  required  by  applicable  law  and  regulations.  I  agree  that  I  must  maintain 
satisfactory  creditworthiness  to  continue  this  Card  membership  and  any  determination  by  the  Bank  of  unsatisfactory  credit  or 
filing of bankruptcy is grounds for termination of this Card membership.        
Card Usage - 
    I understand that my Card can be used at designated locations throughout the world to purchase goods and services, to obtain 
cash  advances  and  to  transfer  funds  between  accounts  I  designate.   The Bank is not responsible for the refusal of anyone to 
honor my Card.  Paper transactions or electronic transactions will not be final until they are received by the Bank.  Transactions 
are governed by the laws of Arkansas and the laws of the United States of America.   From time to time the operation of cards 
issued  by  the  Bank  may  be  suspended  in  specified  foreign  countries  or  specific  regions  thereof,  due  to  ongoing  fraudulent 
activities involving credit cards.  Due to the nature of such fraudulent activities, the Bank is unable to provide advance notice or 
the duration of any such suspension.    If I use my Card in a check guarantee system, I agree to allow the check to be handled as 
a  credit  card  cash  advance  if  the  check  is  not  paid.  I  agree  not  to  use  my  Card  for  any  type  of  Internet  gambling transaction.  
Further,  I  agree  not  to  use  my  Card  for  any  unlawful  transaction  and  acknowledge  that  the  Bank  may  refuse  to  honor  any 
transaction determined to be unlawful.  Restricted transactions, involving the acceptance of any credit, funds, instrument, or other 
proceeds  from  another  person  in  connection  with  unlawful  Internet  gambling,  are  prohibited  from  being  processed through my 
Card account.  I acknowledge my responsibility to pay for goods and services obtained through the use of my Card, even if such 
good or services were obtained in an unlawful transaction.  
Responsibility for Card Use - 
    I understand that I am responsible for the use of all Cards issued for use with my membership.  I will not allow unauthorized 
persons to use my Card. 
Notification - 
    For my own protection and for the protection of the Bank, I agree to promptly notify the Bank if I discover my Card has been 
lost or stolen, or if I suspect the Card has been used without my authorization. 
Card Ownership -  
    I understand as a member and Cardholder that I do not own my Card.  When requested to do so I will surrender my Card to 
the  Bank  or  to  a  person  designated  by  the  Bank.    I  understand  that  any  or  all  privileges  to  use  my  Card  may  be  modified  or 
canceled by the Bank at any time without notice to me. 
Promise to Pay -  
     I promise to pay to the order of Simmons First National Bank all transactions in which I have used Bank funds as a result of 
the use of my Card.  If the funds involve cash advances or extended payment privileges, I also agree to pay the transaction fees 
and finance charge as described below. 
     I  must  pay  all  bills  or  invoices,  including  the  minimum  payment  shown  on  my  monthly  statement  on  time  (on  or  before 
payment due date) and in U.S. Dollars.  The Bank does not waive its right to collect the full amount due if I pay late or I pay part 
of the bill, even if I write the words “paid in full” (or similar words) on any correspondence to the Bank. 
Available Credit Limit -  
    The Bank will supply a monthly statement listing the amount and location of all transactions posted prior to the closing date of 
the statement.  I agree to limit my transactions so that my balance will stay within the available credit limit approved for me by the 

 
 
 
 
 
 
Bank and listed on the statement.  The Bank may refuse to honor transactions that would cause my account balance to exceed 
my available credit limit.  My available credit limit will be restored to reflect a payment after the Bank receives final payment on 
my check or other payment method.  The Bank may increase or decrease my available credit limit or my available cash advance 
credit limit without notice.  The Bank will not increase my available credit limit without considering my ability to make the required 
payments on my Card account. The credit available for my use may, from time to time, be less than my available credit limit.  My 
available credit limit will not be increased by the amount of any credit balance. 
    If I am under the age of 21, any increase in the credit limit on my Card account must be approved in writing and joint liability for 
such increase  assumed by all guarantors, co-signers or joint applicants who have assumed secondary or joint liability on my 
Card account.  
Billing –  
     If there is a debit or credit balance of $1.00 or more on my account, the Bank  will mail or deliver a monthly statement to me 
not  less  than  21  days  prior  to  the  payment  due  date  specified  in  the  statement.    I  am  responsible  for  maintaining  my  current 
mailing  address  on  file  with  the  Bank.  The  Bank  may  consider  me  to  have  received  any  notice  mailed  to  me  at  the  current 
address on the Bank's records. 
Billing Errors –  
     Transactions listed on my statement will be presumed correct unless I notify the Bank of an error in writing within 60 days of 
my statement mailing date.  (NOTICE:  The procedures for notifying us of errors on your monthly statement were disclosed upon 
the opening of your account and at least annually thereafter.  The mailing address to notify us of a billing error is set forth on your 
monthly statement.)  
Posting Transactions; New Balance - 
    Debit  transactions  from  purchases,  cash  advances,  convenience  checks  and  balance  transfers  are  posted  the day they  are 
received. Debit transactions from purchases are aggregated into my Purchases Balance. Debit transactions from cash advances 
and  convenience  checks  are  aggregated  into  my  Disbursed  Cash  Balance.      Debit  transactions  from  balance  transfers  are 
aggregated into my Transferred Balance.  Applicable finance charges will be added to and included in my Purchases Balance, 
my Disbursed Cash Balance and my Transferred Balance on the last day of the statement cycle.  My account balance is the sum 
of my Purchases Balance, my Disbursed Cash Balance and my Transferred Balance, which at the end of each statement cycle is 
shown as my "New Balance".  
Full Payment Option -  
    Each  month  I  have  the  option  of  paying  the  “New  Balance”  in  full  within  25  days  of  the  cycle  closing  date.    Payment  in  full 
(received within 25 days) avoids additional finance charges on the Purchases Balance included in the "New Balance" as well as 
new purchases (but not on cash advances, convenience checks or balance transfers) made during the next statement cycle.  
Partial Payment Option -  
     Each month I have the option of paying part of my account balance as long as my payment is at least equal to the minimum 
payment  shown  on  the  statement.    The  minimum  payment  will  be  the  greater  of  (i)  1%  of  the  New  Balance  plus  all  finance 
charges and late fees assessed during the billing cycle plus any past due amounts, or (ii) $10.00.  I will pay the total New Balance 
if it is less than $10.00. 
     If the Bank has not received a minimum payment by payment due date (or the end of the next business day if the payment 
due  date  is  on  a  Saturday,  Sunday  or  bank  holiday),  I  will  pay  a  late  charge  in  an  amount  equal  to  my  past  due  payment  or 
$25.00, whichever is less. 
Crediting of Payments- 
       An  amount  equal  to  the  minimum  payment  from  the  initial  payment  during  any  statement  cycle  will  be  applied  first  to  my 
Purchases  Balance,  then  to  my  Disbursed  Cash  Balance  and  finally  to  my  Transferred  Balance.      All  additional  payments 
received during the same statement cycle will be applied to the balances based upon the applicable interest rate on that balance, 
starting with the balances with the highest interest rates. Any part of a payment complying with the payment instructions on the 
periodic  statement  and  received  within  25  days  of  the  cycle  closing  date  which  is  credited  to  my  Purchases  Balance  will  be 
credited  as  of  the  beginning  of  the  statement  cycle  in  which  received.  Any  part  of  a  payment  that  is  credited  to  my Disbursed 
Cash Balance, my Transferred Balance or all of any Payment which is received more than 25 days after the cycle closing date 
will be credited as of the day received, if received before 5 p.m. CT by the Bank, otherwise on the next banking day, provided that 
any payment paid in person at a branch of the Bank shall be credited not later than the day received. Payments received and 
accepted  by  the  Bank  which  do  not  comply  with  the  payment  instructions  on  the  periodic  statement  may  result  in  a  delay  in 
crediting the payment to my account.   
Electronic Transfer Authority- 
     Anytime  I  send  the  Bank  a  check  for  payment  on  my  account,  I  authorize  the  Bank  to  make  a  one-time  electronic  transfer 
debit from my bank account for the amount of the check. 
Finance Charge -  
     Finance Charge on cash advances and convenience checks will accrue from the date of the transaction and continue until the 
Disbursed  Cash  Balance is paid in full.  Finance Charge on balance transfers will accrue from the date of the transaction and 
continue until the Transferred Balance is paid in full.  Finance charge on purchases will accrue from the date of the transaction if 
there was a "New Balance" at the start of the current statement cycle, or from the first day of the statement cycle next following 
the date of the transaction if there was not a "New Balance" at the start of the current statement cycle.  
     Date of transaction will be the latter of the transaction date or the first date of the statement cycle in which the transaction is 
posted. 

 
 
 
 
 
     A Finance Charge will not be imposed on (i) the Purchases Balance included within the "New Balance", if payment in full of 
the “New Balance” is received within 25 days of the prior statement cycle closing date or (ii) that part of the Purchases Balance 
equal  to  the  amount  of  any  payment  received  within  25  days  of  the  prior  statement  cycle  closing  date  and  credited  to  the 
Purchases Balance in accordance with these rules.  
Interest Rates –  
     Finance  charge  on  the  Purchases  Balance  and  the  Transferred  Balance  where  applicable  is  computed  by  applying  to  my 
average daily balance for the Purchases Balance and the Transferred Balance, including unpaid finance charges (as indicated on 
my monthly statement) a daily periodic rate equal to the Prime Rate plus 7.00% divided by the number of days in the year. The 
Prime Rate is the prime rate published in the Money Rates column of The Wall Street Journal in effect for the second business 
day prior to the beginning of each statement cycle. If The Wall Street Journal ceases publication or to publish the Prime Rate as 
now shown in its Money Rates column, the Bank may use the prevalent prime rate in the United States as published in any other 
newspaper of general circulation, or the Bank may substitute a similar reference rate at its sole discretion. The finance charge for 
the  Disbursed  Cash  Balance  is  computed  by  applying  to  my  average  daily  Disbursed  Cash  Balance  including  unpaid  finance 
charges (as indicated on the monthly statement) a daily periodic rate equal to the Prime Rate plus 11.00% divided by the number 
of  days  in  the  year.  If  a  transaction  fee  is  applied,  the  annual  percentage  rate  (APR)  may  be  higher  than  the  periodic  rate 
disclosed above. The maximum interest rate applicable to my Card is governed by the laws of the United States of America and 
the State of Arkansas. 
Other Charges and Collection Fees -  
     Transaction  fees  for  cash  advances  (including  advances  in  foreign  currencies)  and  convenience  checks  will  be  3%  of  the 
amount of the cash advance or check amount (but not less than $4.00 nor more than $50.00).  If I request a photocopy or the 
original ticket of an item appearing on my monthly statement, I will pay the Bank the fee assessed to them by Visa U.S.A., Inc. or 
MasterCard International for this service.  I agree to reimburse the Bank any and all amounts which it pays to any owner/operator 
of an automated teller machine (ATM) or any national, regional or local ATM network used to complete  any transaction for my 
use of my Card at an ATM not located at an office or branch of the Bank. I will pay a $12.00 service charge per payment, if I 
utilize  a  service  representative  of  the  Bank  to  obtain  expedited  service  for  any  payment.    If  I  request  express  delivery  of  my 
Card(s) I will pay an express delivery fee equal to the actual costs incurred by the Bank in making the express delivery.  If I make 
my payment with a check or other negotiable instrument and it is returned to the Bank unpaid, I will pay a Return Check Charge 
of up to $25.00.  I will not be charged two or more penalty fees for a single event or transaction.  If more than one fee may be 
applicable due to a single event or transaction, the Bank may impose the highest permissible fee.  If my account is placed with an 
attorney  or  another  agency  for  collection,  I  will  also  pay  attorney  fees,  court  costs,  witness  costs  (including  transportation  and 
lodging) and any other fees as allowed by law. 
Foreign Currency Transaction Fee (Visa Only) -  
     If  I  make  any  purchases  in  foreign  currencies,  the  Bank  and/or  Visa  U.S.A.  will  convert  the  foreign  currencies  into  U.S. 
Dollars.    Visa  will  use  their  applicable  currency  conversion  procedures.    Currently,  the  conversion  procedures  utilize  a  rate 
selected  by  Visa  from  the  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  central  processing  date, 
which  rate  may  vary  from  the  rate  Visa  itself  receives,  or  the  government  mandated  rate  in  effect  for  the  applicable  central 
processing date, in each instance, plus or minus any adjustment determined by the Bank.  I agree to pay the Bank the sum in 
U.S.  Dollars  as  converted  by  Visa,  plus  an  additional  2%  of  the  converted  amount  attributable  to  purchases  (but  not  cash 
advances).  The currency conversion rate used on the conversion date may differ from the rate in effect on the date I used my 
Card.       
Foreign Currency Transaction Fee (MasterCard Only) -  
     If I make any purchases with my  MasterCard Card in a currency other than U.S. Dollars, MasterCard International, Inc. will 
convert the currency into a U.S. Dollar amount.  MasterCard International, Inc. will use its currency conversion procedure, which 
is  disclosed  to  all  institutions  that  issue  MasterCard  cards.    Currently,  the  currency  conversion  rate  used  by  MasterCard 
International  to  determine  the  transaction  amount  in  U.S.  Dollars  for  such  transactions  is  generally  either  a  government 
mandated rate or a wholesale rate determined by  MasterCard International for the processing cycle in which the transaction is 
processed, increased by an adjustment factor established from time to time by MasterCard International.  I agree to pay the Bank 
the sum in U.S. Dollars as converted by MasterCard, plus an additional  2% of the converted amount attributable to purchases 
(but not cash advances).  The currency conversion rate used on the conversion date may differ from the rate in effect on the date 
I used my Card.   
Closing Account- 
    In the event I close my account, I agree to notify the Bank in writing and return my Card(s) cut in half.  If I close my account, I 
remain responsible to pay all amounts I owe to Bank according to the terms of these card membership rules.  If my account is a 
joint account, either cardholders may cancel the account, but we will both remain responsible for any amount owed to the bank. 
Amendments –  
     These rules (including, but not limited to rates and fees) may be amended by Bank from time to time.  I will be notified of any 
amendment  to  the  rules  not  later  than  the  date  of  my  next  monthly  statement,  unless  sooner  required  by  applicable  law  or 
regulation.  In addition, if the amendment is a significant change in account terms, I will be given an opportunity to opt-out of the 
proposed amendment in accordance with applicable law and regulations.  
      If the Bank amends the interest rate specified in the rules while my account has a promotional interest rate, the amendment 
will not affect my account until my promotional interest rate expires.