Visa® Credit Card Agreement

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 Visa credit card 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.  

Term 

What It Means To You  

Our Rights and Responsibilities 

Important Terms of Your Account 

Credit Limits 

We will give you a credit limit for your Account. 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 for 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, you must pay the amount that is over the 
limit right away.  
You will be in default under this 
Agreement if: 
•  You fail to make any payment  required by this 

Agreement,  

Default 

•  You fail to make any payment required by any other 

agreement you may have with Regions, or  

•  You fail to keep any of your obligations under this 
Agreement or other agreement you may have with 
Regions. 

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 time. 

Changing 
Terms 

 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’ fees, court costs and all other 
expenses we incur to enforce 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 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 

Our Rights and Responsibilities 

You may use your Account to buy or lease goods or 
services. 

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. 

Purchases 

Rev. 6/2013 

 
 
 
 
 
 
 
 
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 Transfer. 
Except for any such special offer, Balance Transfers do 
not include balances you pay using an Access Check. 

We permit Balance Transfers from most non-Regions 
credit card accounts.  We do not permit Balance 
Transfers from other Regions loans or accounts.  All 
Transaction Fees and adjustments associated with 
Balance Transfers will be treated as Balance Transfers 
under this Agreement. 

Balance 
Transfer 

You may obtain cash or other advances in any of the 
following ways: 
•  From us, another financial institution, a non-

All Transaction Fees and adjustments associated with 
Cash Advances will be treated as Cash Advances under 
this Agreement. 

Cash 
Advances 

Access 
Check 
Transactions 

Promotional 
Transactions 

• 

• 

financial financial institution, or automated teller 
machine that accepts your Card 
 By using a check we may provide to you to 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 
for cash, such as wire transfers, money orders, 
traveler’s checks, lottery tickets or casino chips. 

•  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”). 

•  By placing bets or wagers (if legal) or to make tax or 

other similar payments. 

Each Access Check must: 
•  Be fully completed and signed by the person whose 

name is printed on the Access Check, 

•  Not be for 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 we get it, or (3) after 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 promotional 
interest rate on certain Purchases, Balance Transfers, or 
Cash Advances that are lower than the standard rates 
for those types of transactions (“Promotional APRs”) 
and/or limited time introductory or promotional 
transaction fees (“Promotional Fees”) that may be higher 
or lower than the standard fees provided below in the 
“Fees and Charges” section. 

Automatic 
Transactions 

You may authorize others to make automatic and 
recurring transactions to your Account.  If your Account 
is closed or suspended, you will need to contact anyone 
you are paying through automatic transactions. 

Rev. 6/2013 

Page 2 

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 payment requests on an Access 
Check are effective 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 we issue a new credit card with a different number or 
expiration date to you, we may (but are not obligated to) 
provide your new card number and expiration date to a 
merchant with whom you have set up a recurring 
preauthorized transaction in order to continue your 
recurring preauthorized transactions.  There will be 
circumstances where you will have to contact the 
merchant. 

 
 
For any transaction that is (1) made in a foreign 
currency or (2) processed outside of the United States, 
you may be charged the Foreign Transaction Fee shown 
in the Account Summary Table, even if made in U.S. 
dollars (a “Foreign Transaction”).  Foreign transactions 
include, for example, online purchases from foreign 
merchants and Cash Advances obtained from an ATM 
or financial institution in another country. 

Foreign 
Transactions 

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 statement or by telephone at 
1-800-253- 2265. 

After 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. 

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 effect on the processing date may 
differ from the rate in effect on the transaction date or 
posting date.  
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 notifying 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. 

After 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. 

Your Payment Obligations 

Term 

What It Means To You  

Our Rights and Responsibilities 

How and 
Where to 
Make 
Payments 

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 for 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 one of our senior 

Rev. 6/2013 

Page 3 

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 for any other payments may be delayed up to 

five (5) days.  
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. 

 
 
 
 
 
 
 
 
 
 
officers. 

You may pay your total outstanding balance at any time 
without penalty.  Each billing cycle, you must pay at 
least the Total Minimum Payment Due shown on your 
monthly statement by its Payment Due Date.   

For each billing cycle, the Total Minimum Payment Due 
will be: 
•  One percent (1%) of your total New Balance 

(excluding any new interest charges and Late Fee); 

•  Any new interest charges; 
•  Any new Late Fee; and 
•  The greater of any past due amount or any amount 
by which the total outstanding balance on your 
Account exceeds the credit limit for your Account. 

The total Minimum Payment Due generally will never be 
less than $15. However, if your total New Balance is 
less than $15, the total Minimum Payment Due will be 
your total New Balance. Payments made in any billing 
cycle that are greater than the Total Minimum Payment 
Due will not affect 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 your entire balance by the 
Payment Due Date shown on each statement.  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 after 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 Transfers 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 payment amounts in excess of 
your Total Minimum Payment Due will be applied first to 
higher APR balances, these balances will be paid off 
more quickly and you will pay less interest on them than 
if you paid only the Total Minimum Payment Due. 

We round the payment amount to the nearest penny. If a 
payment is credited to your Account but is returned 
unpaid in the 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 refund any credit balance as required 
by law or earlier at your request, but you cannot obtain 
the credit balance through a Cash Advance or other use 
of your Card.  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 those generated by merchants, are not 
treated as payments and will not reduce your Total 
Minimum Payment Due. 

Your Payment Due Date is at least 21 days after the 
closing date for each billing statement. 

Except as described above, 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 later of 
(1) the date you make the Purchase, or (2) the first day 
of the billing cycle in which we add the Purchase to you  
Account.  We will pay down your Purchase balance and 
other balances as described in the section below titled 
“Payment Allocation.” 

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 before balances with lower 
APRs. 

Minimum 
Payment 
Due 

Grace 
Period on 
Paying 
Interest 

Payment 
Allocation 

Account Fees and Charges 
You agree to pay (1) the fees 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 you or us. 

Late Fee: You may be charged $25 if the Total Minimum Payment Due shown on your monthly 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 $35. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee. If your balance is 
less than $100, 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 for each copy of a monthly statement or sales draft, except that the six most recent monthly 
statements and one sales draft will be provided for free.  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 Payment Fee: You may be charged up to $25 if you ask one of our representatives to expedite payment on your Account by 
debiting any deposit or other account you designate, and we honor your request.  The amount of the Expedited Payment Fee will be 
disclosed to you when you request the expedited payment.
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 confirm 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 

Rev. 6/2013 

Page 4 

 
 
 
 
 
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. 

Interest Charges 
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 use the average daily balance method (including new transactions) to calculate the interest 
owed on your Account for each billing cycle: 
• 

 We first figure out the average daily balance for each type of transaction. By type of transaction, we mean Purchases, Cash 
Advances, Balance Transfers and any transaction subject to a promotional offer. If any portion of a Purchases 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. 
•  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. 

•  After 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 add transactions and fees to your daily balance (and they may begin accruing interest) no earlier than: 
•  For new Purchases – on its transaction date or the first day of the billing cycle, whichever is later. 
•  For new Balance Transfers 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 posted to your Account. 
•  Fees – either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle, 

whichever we may choose. 

These sections describe how certain conditions may or may not affect your responsibility for the Account. 

Condition 

What It Means To You  

Our Rights and Responsibilities 

Your Responsibility for the Account 

Joint 
Account 

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 different 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, statements and notices) to any of you, and you 
will be responsible for delivering those materials to the 
others and to any authorized users. 

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. 

Rev. 6/2013 

Page 5 

 
 
 
 
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 
following 
ways:  
•  By notifying us that you want someone added to 

your Account as an authorized user. 

•  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. 

•  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. 

Authorized 
Users 

Unauthorized 
Transactions 

At your request, we may issue a Card to an authorized 
user. 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. 

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.  In any case, your liability will not exceed $50. 

Term 

What It Means To You  

Other Account Terms 

Changes to 
Your Contact 
Info 

Credit 
Information 

Telephone 
Calls 

You must notify us immediately of any change to your address or any of your other contact information 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 

You agree that we may (without any obligation): (1) record, retain and/or monitor any communications between 
you and us (including, without limitation, telephone conversations), without further notice to any person, and all 
such communications shall be and remain our property; (2) call you using an automated telephone dialing system 
or otherwise, leave you a voice, prerecorded, or artificial voice message, or send you a text, e-mail, or other 
electronic message in order to service your Account, to collect any amounts you may owe with respect to your 
Account or for other informational purposes related to your Account; (3) call or text you at any telephone number 
that you provide in connection to us, including cellular telephone numbers. You are not required to provide this 
consent with respect to communications made to a cellular telephone number. If you wish to revoke your consent 
to be contacted at a cellular telephone number using an automatic telephone dialing system and/or an artificial or 
prerecorded message, you must call us at 1-888-219-9227 and provide such information as we may request in 
order to process the revocation of your consent. 

Rev. 6/2013 

Page 6 

 
 
Benefits and 
Rewards 

You may be offered certain benefits and rewards with your Account.  We may change, add, or delete benefits 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 for those benefits or rewards. 

Enforcement 

Our failure 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. I f 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 referee 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 that appears after “Interest Charges” below. 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 

Governing 
Law 

Assignment 

MD 
Residents 

NJ 
Residents 

Arbitration 

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. 

The arbitration shall be administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration Rules and its 
Supplementary Procedures For The Resolution Of Consumer- Related Disputes (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, 
except that, in the event that the AAA determines that any provision of this Agreement does not comply with applicable standards 
stated in the AAA’s Consumer Due Process Protocol, the standards of the Protocol 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 AAA’s Supplemental Procedures for Consumer-Related Disputes apply to your Claim and if your Claim for actual damages does 
not exceed $10,000, 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 exceeds $10,000 but does not exceed $75,000, you shall be responsible for paying one-half of the arbitrator’s fees up 
to a maximum of $375.  For any Claim that does not exceed $75,000, we will pay all other arbitrator’s fees and costs imposed by the 
administrator of the arbitration. 

Rev. 6/2013 

Page 7 

 
 
 
 
If your Claim is a consumer-related claim for actual damages that exceeds $75,000, or if it is a non-monetary consumer-related Claim, 
or if it is not a consumer-related Claim, you shall be responsible for paying the administrative costs and arbitrator’s fees as provided in 
the AAA’s Commercial Fee Schedule.  Except as otherwise provided in this Agreement, the final award by the arbitrator(s) may 
apportion the administrative fees, expenses and arbitrators’ 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 fee 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.  The arbitration of any Claim of a 
lesser amount shall be conducted by one arbitrator.  The arbitrator(s) shall be selected from the AAA’s panel of arbitrators by mutual 
agreement between you and us.  If we cannot agree on the arbitrator(s), the procedure for appointment from the national roster as 
provided by Commercial Arbitration Rule 11 shall apply, except that the AAA shall not unilaterally appoint the arbitrator(s), unless you 
and we so agree. 

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 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 information 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.  

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 by a panel of three new arbitrators selected 
to hear the appeal under the procedure for appointment from the national roster as provided by Commercial Arbitration Rule 11, except 
that the AAA shall not unilaterally appoint the arbitrators for the appeal, unless you and we so agree.  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.  However, 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 setoff, 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 
multistate 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 

Rev. 6/2013 

Page 8 

 
 
 
 
 
 
 
 
 
 
 
 
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 nonappealable decision on the matter from 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 for $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 further 
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 unenforceable, 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. 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

Your Billing Rights: Keep This Document for Future Use 

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 on the payment coupon included with your 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. 

While we investigate whether or not there has been an error: 
•  We cannot try to collect any amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest 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. 

After we finish 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 fees.  We 
will send you a statement of the amount that 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 refuse 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. 

Rev. 6/2013 

Page 9 

 
 
 
 
 
 
 
 
 
 
 
 
 
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 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 
finish 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. 6/2013 

Page 10