Agreement and Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Changes In Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Using Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Credit Limit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Effects of Making Minimum Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Application of Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Form of Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3Visa Money Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Finance Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Interest Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Foreign Currency Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Grace 
Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Grace Period for Balance Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Purchase Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Balance Transfer Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Cash Advance Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Other Fees and Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Annual Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Returned Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Late Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Collection Costs and Attorneys� Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5Account Use by Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Default/Entire Balance Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Non-default Termination or Susp
ension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Credit Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Assignment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Captions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Applicable Law/Non-Waiver/Severability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Lost or Stolen Cards/Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9 Termination and Modification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9BILLING RIGHTS NOTICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 2Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8VISA SIGNATURE  
CARDHOLDER AGREEMENT   
and Disclosures Under The Federal Truth In Lend ing ActLiability for Unauthorized Use.  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 you notify us.
VISA SIGNATURE POINTS PROGRAM 
Awarding Points.  On each monthly billing cycle closing date we will award two 
points to your Visa Signature points account for each net dollar in new purchases 
at merchants classified by Visa as a service station, automated fuel dispenser 
or restaurant and one point to your Visa Signature points account for each net 
dollar in new purchases at other merchants posted to your Visa Signature card 
account during that monthly billing period. However, we reserve the right NOT 
to award points or allow redemption of points if you are in default under any of 
the terms of this Agreement or if we have terminated or suspended your credit 
privileges in accordance with this Agreement or applicable law. Cash Advances, 
Balance Transfers, convenience checks, debit transactions initiated by us, finance 
charges and fees charged to your account are not eligible for points. Our failure 
to enforce these conditions at any time and for any period of time will not waive 
our right to enforce them at a later time nor require further notice to you before 
we enforce them. We will subtract one point from your account for each dollar in 
returned purchase credits. Points may be accumulated from month to month and 
year to year, for three years. Unless redeemed, points will expire and be forfeited 
on the third anniversary of the last day of the calendar year in which awarded. For 
example, points awarded in January 2015, if not redeemed, will expire and be 
forfeited on December 31, 2018. If you close your Visa Signature card account, 
or if we terminate or suspend your credit privileges in accordance with this 
Agreement or applicable law, then all accumulated points not yet redeemed will 
be forfeited. 
Redeeming Points . We contract with an agency to provide Visa Signature services. 
You authorize us to share information concerning your account with the agency, 
its employees and representatives (collectively, the �Agency�), including but not 
limited to any and all information reflected on your Visa Signature card account 
statement and recent transactions on your Visa Signature card account. This 
information is shared in accordance with our Privacy Notice in this Agreement. The 
Agency will charge you fees (for which we will not reimburse you) for transactions 
that you conduct through the Agency, whether or not you are redeeming Visa 
Signature points. You may not use Visa Signature points to pay the Agency�s fees. 
In order to redeem points, your Visa Signature card account must be open, active 
and not in default status according to the terms of this Agreement. In addition, 
you must have the minimum number of points required for redemption as 
published in the Visa Signature guidelines on our website. Our failure to enforce 
these conditions at any time and for any period of time will not waive our right to 
enforce them at a later time nor require further notice to you before we enforce 
them. Subject to those conditions, you may redeem your points by calling the 
Visa Signature Service Center at 1-888-216-2896. A Visa Signature specialist will 
verify your available points and eligibility to redeem points in the requested amount. 
Points may be redeemed according to the Visa Signature Point Redemption Terms 
published in the current Visa Signature guidelines. Visa Signature points may be 
redeemed only through the Agency designated by us. Visa Signature points have 
no cash value. They are not redeemable for cash, cannot be bought or sold, nor 
can they be used as payment for any obligation you owe to us. 
Provision of Travel Services.  The Agency will provide travel agency services 
directly to Visa Signature cardholders. Those services include describing the flights available for the amount of points you are redeeming, assisting in ticket 
selection, making reservations for available flights offered by participating airlines, 
and issuing and delivering tickets you have purchased. The Agency will report 
to us the points you have redeemed, and we will subtract them from your Visa 
Signature points balance. We disclaim any responsibility in the provision of 
services by the Agency, or for services provided by the airline you have selected. 
Our only responsibility in this regard is to provide correct information to the 
Agency concerning your Visa Signature points balance and credit card account. 
If you have obtained any travel services by redeeming travel points exceeding 
your available point balance, no matter the cause, we will charge the equivalent 
dollar value of the over-redeemed points to your Visa Signature card account as 
a purchase. 
Program Restrictions and Other Considerations.  Certain restrictions and 
additional terms apply to your Visa Signature Points Program. You should refer 
to the Visa Signature Guidelines on Bank�s website for the current program 
restrictions and terms. Topics addressed in the Visa Signature Guidelines include: 
Point Redemption Terms, Points, Redemptions, Tickets and Fees. All travel 
services are subject to availability; you may not be able to obtain travel services 
for all destinations or flights. 
Termination and Modification.  We may terminate or modify the Visa Signature 
Points Program at any time without cause, without notice and without affecting 
your privileges to use your credit card account for Purchases, Balance Transfers 
or Cash Advances under this Agreement. By accumulating Points, you do not 
acquire any vested right with respect to such points or other program benefits; and 
you may not rely upon the continued effectiveness or availability of any previously 
published, or otherwise communicated, redemption terms. We may cancel or 
change program benefits, redemption levels, conditions for your participation in 
the program, and rules for earning, redeeming or forfeiting Points at any time, even 
though such changes may prevent your use of the Points you have accumulated. 
ARBITRATION PROVISION
ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION 
CAREFULLY . IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER 
CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. 
IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE 
RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO 
PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE 
IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE 
THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES 
OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT 
PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS 
PROVIDED BELOW. 
Agreement to Arbitrate.  Upon the election of either you or us, any Claims (as 
defined below), except for Claims filed in a small claims court, may be resolved 
by mandatory, binding arbitration. The small claims court exclusion applies only 
so long as the dispute remains in the small claims court and is an individual 
(non�class, non-representative) Claim. If a Claim asserted in small claims 
court is transferred or appealed to a different court, either you or we may then 
elect mandatory, binding arbitration pursuant to this Arbitration Provision. This 
Arbitration Provision is made pursuant to a transaction involving interstate 
commerce and shall be governed by and enforceable under the Federal Arbitration 
Act (the FAA). Definitions for Arbitration Provision.  As used in this Arbitration Provision, the 
following terms have the following definitions. The words we, our and us mean 
First Horizon Bank, its parent company, and their direct and indirect subsidiaries 
and affiliates, together with their employees, officers, directors, successors, and 
assigns. The words you, your, and yours refer to any Consumer applicant, co-
applicant, authorized user of the account, or legal representative of any of the 
foregoing, and anyone claiming through such person or incident to the account.. 
The word �Consumer� means a natural person who holds an account primarily 
for personal, family or household purposes. The word Claim means any claim, 
controversy, or dispute of any kind arising from or relating to the account or any 
relationship arising from or related to the account. The word Claim includes, but 
is not limited to, any claim, controversy or dispute involving one or more of the 
following: 
� the formation, application, enforceability, or interpretation of this Arbitration 
Provision or other part of the Agreement; 
� any advertisements, solicitations, disclosures or other communications 
relating to the account, whether made before or after the account was 
opened; 
� the opening, administration and termination of the account; 
� any transactions involving the account; 
� any interest, fees and other charges to the account; 
� any products or services (whether provided by us or a third party) related 
to or offered in connection with the account; 
� any use or disclosure of information about you or the account; 
� any other matters relating to the account or your credit card relationship 
with us.
All Claims Subject to Arbitration Provision.  All Claims are subject to this Arbitration 
Provision, regardless of whether the Claim: (i) previously existed, is now existing 
(whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
contract, tort (including intentional tort), negligence, agency or other vicarious 
liability, fraud, statute, regulation, constitution, or any other source of law or equity; 
(iii) seeks monetary damages, or declaratory, injunctive relief, or other remedy or 
relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, interpleader 
action, third-party claim or other action; or (v) is asserted as an individual claim 
or as part of a class action or other representative or collective action. (Any Claim 
asserted as part of a class action or other representative or collective action shall 
proceed in arbitration on an individual basis as set forth below.) Joint Cardholders, 
applicants and authorized users on a single account or multiple accounts for which 
the same Cardholders are legally responsible will be treated as one person for this 
purpose. All questions about whether disputes are subject to arbitration shall be 
resolved by interpreting this arbitration provision in the broadest way the law will 
allow it to be enforced. 
Initiation of Arbitration.  The party electing arbitration must use the arbitration 
administrator shown below and follow its rules and procedures, except as 
otherwise stated in this Arbitration Provision. Copies of its current rules, 
procedures, forms, and related information, including information about how to 
file a Claim, may be obtained by contacting the Administrator as follows: 
American Arbitration Association
Case Filing Services
1101 Laurel Oak Road, Suite 100
Voorhees, NJ 08043Toll free number: 877-495-4185
http://www.adr.org 
Except for the small claims court exclusion set forth above, either you or we may 
ask an appropriate court to compel arbitration, or stay litigation pending arbitration, 
of any Claim, even if the Claim is part of a lawsuit in court. A party who has 
asserted a Claim in a lawsuit may nevertheless elect mandatory arbitration with 
respect to any Claims subsequently asserted in that lawsuit by any other party. 
Delay in exercising these rights shall not waive such rights. Failure to exercise 
arbitration rights with respect to a particular Claim shall not waive your right or 
our right to demand arbitration of any other Claim. If the Administrator declines to 
administer a Claim in arbitration, then either party shall have the right to proceed 
with the Claim as a lawsuit in court, in which case the Class Action Waiver set 
forth below still applies. 
Class Action and Jury Waiver.  You and we hereby knowingly and voluntarily (1) 
waive the right to proceed as part of any class action and (2) waive the right to a 
trial by jury of any and all Claims. No Claim submitted to arbitration is heard by a 
jury or may be brought as a class action or as a private attorney general. You do 
not have the right to act as a class representative or participate as a member of a 
class of claimants with respect to any Claim submitted to arbitration (Class Action 
Waiver). Any Claim resolved by arbitration shall be arbitrated on an individual 
basis by a single arbitrator. The arbitrator�s authority to resolve Claims is limited to 
Claims between you and us alone, and the arbitrator�s authority to make awards 
is limited to you and us alone. Furthermore, Claims brought by you against us or 
by us against you may not be joined or consolidated in arbitration with Claims 
brought by or against someone other than you, unless otherwise agreed to in 
writing by all parties. 
Severability.  The parties to this Arbitration Provision acknowledge that the Class 
Action Waiver is material and essential to the arbitration of any disputes between 
the parties and is non-severable from this Arbitration Provision. If the Class Action 
Waiver is limited, voided or found unenforceable, then the parties� agreement to 
arbitrate (except for this sentence) shall be null and void with respect to such 
proceeding, subject to the right to appeal the limitation or invalidation of the Class 
Action Waiver. The parties acknowledge and agree that under no circumstances 
will a class action be arbitrated. If any portion of this Arbitration Provision, other 
than the Class Action Waiver, cannot be enforced, that portion will be severed, and 
the rest of the Arbitration Provision will continue to apply. 
Arbitration Procedures and Law.  A single arbitrator chosen by the Administrator 
will resolve Claims pursuant to the rules and procedures of the Administrator 
and this Arbitration Provision. This Arbitration Provision will govern in the event 
of conflict with the Administrator�s rules and procedures. Discovery procedures 
available to parties will be limited by the Administrator�s rules and procedures. 
The arbitrator will apply applicable substantive law consistent with the FAA and 
applicable statutes of limitations and honor legally recognized claims of privilege. 
The arbitrator will have the power to award any damages or other relief that 
would be available in court and are permitted under the terms and conditions 
of this Agreement, but only with respect to the named parties and the Claims 
being arbitrated. The arbitrator and this Arbitration Provision will not be subject to 
federal, state, or local rules of procedure and evidence applicable to lawsuits or 
to state or local laws relating to arbitration. Either party may choose to have an 
arbitration hearing and to be represented by counsel. An arbitration hearing may be 
conducted by telephone if the parties agree. Any participatory arbitration hearing that you attend in person will occur at a place designated by the Administrator at 
a location within the federal judicial district that includes your billing address or at 
some other place agreed upon by you and us. The arbitrator will use reasonable 
efforts to protect confidential information if requested to do so by any party. 
The arbitrator will make any award in writing and, upon a timely written request, 
provide a written statement of reasons for the award. 
Costs of Arbitration.  You and we will be responsible for paying the fees of the 
arbitrator and any administrative fees charged by the Administrator according to 
the rules and procedures of the Administrator. We will also pay or reimburse you 
for all or part of other arbitration fees, if the arbitrator determines there is good 
reason to do so, and we will pay any fees and costs, which we are required to pay 
by law or by the rules and procedures of the Administrator. In addition, in the event 
that you receive an arbitration award that is greater than our last written settlement 
offer, the arbitrator shall have the discretion to require us to pay your attorneys� 
fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, 
regardless of who prevails. 
Finality of Arbitration.  The arbitrator�s decision is final and binding on the parties, 
except for any right of appeal provided by the FAA. Costs will be allocated in 
the same way as costs are allocated in arbitration by a single arbitrator. A final 
and binding award is subject to judicial review only as provided by the FAA. An 
arbitration award will be enforceable under the FAA by any court having jurisdiction. 
Survival of Arbitration Provision.  This Arbitration Provision shall survive: (i) 
termination or changes in the Agreement and/or related agreements or programs, 
the account, and the relationship between you and us concerning the account and 
related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or 
other transfer of the account, or any amounts owed on the account. Any different 
agreement regarding arbitration of Claims must be agreed in writing. 
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.
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: BankCard Center, P .O. 
Box 1545, Memphis, TN 38101-1545. You may also login to Banking Online and 
submit a transaction dispute. You will need to 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 (or electronically). 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 the 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 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. 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 is 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. 
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, 
contact us in writing at: BankCard Center, P .O. Box 1545, Memphis, TN 38101-
1545. You may also contact us by logging in to Banking Online and submitting 
a transaction dispute. 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. 
 8 9 10 11 12 13M-129675 Rev. 8/19 Agreement and Definitions.  This Cardholder Agreement, the folder containing 
your card including the Account Opening Disclosure Table on the back of the folder, 
changes and notices of changes we make to your account and/or this agreement 
as provided herein, the Visa Signature Guidelines included on your application 
and published and periodically updated online, and all documents bearing your 
hand-written, electronic or digital signature (such as, but not limited to, any 
application, convenience check or sales slip) or other evidence of indebtedness on 
the credit card account constitute the contract governing your credit card account 
(the �Agreement�). The words �you� and �your� refer to each person jointly 
and severally (if more than one) who has applied for or otherwise agreed to be 
responsible for the account. The words �we�, �our�, and �us�, mean First Horizon 
Bank, and its successors, assigns, agents and/or authorized representatives. The 
word �card� means each Visa Signature card issued on the account. The card is 
our property, and you agree to surrender it to us or our agent upon request. This 
Agreement is binding on you unless you cancel your account within 30 days after 
receiving the card and you have not used or authorized use of your account. This 
card is available only to individuals for consumer use and will not be issued to sole 
proprietorships, corporations, partnerships or limited liability companies.
Changes In Terms.  You consent and agree that at any time we may add, delete, 
remove, amend, or change any terms and conditions of this Agreement, including 
but not limited to the Annual Percentage Rate (APR), fees or other terms. Such 
amendments may apply to the unpaid balance and to new transactions, as 
allowed by applicable law. Reasons we may change the terms and conditions 
of this Agreement include, but are not limited to, risks associated with your 
account, economic and market conditions and trends, product parameters, and 
our business needs and considerations. If we make such amendments, you will 
receive advance notice and a right to opt out, as may be required by the Agreement 
and applicable law.
Using Your Account.  In addition to the card, we may furnish you checks which 
can be used to access your account. You agree to use checks only in the form we 
furnish and according to any instructions we give you. You cannot stop payment 
on checks used to access the account. You may use your account to purchase 
goods and services and to get Cash Advances. 
Cash Advances include cash obtained from participating financial institutions and 
ATMs, transactions using checks to access your account, and cash-equivalent 
transactions (including purchases of travelers� checks, casino chips and other 
items which Visa rules, as applicable, designate as cash or cash-equivalent 
transactions). The amount of a Cash Advance obtained from an ATM may include 
a surcharge imposed by the ATM owner.
Purchases are transactions initiated with the card or account for the purchase 
of goods or services from participating merchants (excluding cash-equivalent 
transactions) and such other charges we designate as Purchases.
Only a payment made by us, at your request via our customer service center or 
our website, to transfer all or part of your balance with another creditor to your 
account with us will be considered and treated as a Balance Transfer under this 
Agreement. Your use of a check used to access your account for any purpose is 
not considered a Balance Transfer under this Agreement.
Standard (Variable) Rates.  Except as otherwise stated in this �Standard  
(Variable) Rates� provision or upon amendment of this Agreement, the monthly 
periodic rates and corresponding APRs used to compute the periodic interest 
charges on your account will be variable rates which may increase or decrease for each new billing cycle based on changes in the U.S. Prime Rate published 
in The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 
and truncated to the next one-thousandth percentage point will be your monthly 
periodic rates. Your rates will not exceed the maximum we are allowed to charge 
under applicable law. We will use the value of Prime published on the last business 
day of each calendar month (the Determination Date) in order to calculate your 
APRs in effect from the first day through the last day of your billing cycle ending 
in the calendar month following the Determination Date. If more than one Prime 
rate is published on the Determination Date, we will use the highest. An increase 
in your rates will increase your interest charges and may increase your minimum 
monthly payment.
Your APRs on Purchases, Balance Transfers and Cash Advances will equal the 
sum of Prime plus a margin (�Margin�). Margin means the percentage points 
added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs 
and monthly periodic rates for Purchases, Balance Transfers and Cash Advances 
are shown on the enclosed folder containing your card which includes the Account 
Opening Disclosure Table on the back of the folder.
Promise to Pay.  You promise to pay us, in accordance with the terms of this 
Agreement, for all transactions on your account, plus all interest, finance charges 
and other charges, fees and expenses incurred on or in connection with the 
account. You will be individually and, if applicable, jointly and severally liable for 
the total balance, whether the charges are made by you or by a person authorized 
by you in any way to use your account in any way. You cannot transfer or assign 
the account to another person.
Credit Limit.  Your initial credit limit appears on the folder containing your card. 
We may increase or decrease your credit limit at any time. Each of your billing 
statements will reflect your credit limit in effect as of the date of the statement. You 
agree not to conduct any transaction that would cause the total balance of your 
account to exceed your credit limit. We may honor, at our discretion, transactions 
which exceed your credit limit. You agree to pay any amount that exceeds your 
credit limit immediately upon request. Without additional notice we may limit 
the number or dollar amount of account transactions, and/or authorizations for 
transactions, within your credit limit for security or other reasons.
Billing Statements.  We will send or make available a billing statement for each 
monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is 
posted to your account or if there is a debit or credit balance of more than $1.00. 
The statement will reflect each Purchase, Balance Transfer or Cash Advance 
transaction posted to your account, your New Balance, Payment Due Date, 
Minimum Payment Due, Interest Charges, Fees and other important information. 
Unless you notify us of any alleged errors in accordance with the Billing Rights 
Notice in this Agreement, we may consider the statement correct for all purposes.
Making Payments:
Effects of Making Minimum Payments.  If you make only the minimum payment 
each billing period, you will pay more in interest and it will take you longer to pay 
off your balance.
Application of Payments.  We will determine, at our discretion, the amount of 
and order in which minimum payments will be applied to Purchases, Balance 
Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. 
If your account has balances with different APRs, we will allocate your minimum 
payments to balances subject to lower APRs before balances subject to higher 
APRs. If you make more than the minimum payment, we will allocate amounts in excess of the minimum payment to balances subject to higher APRs before 
balances subject to lower APRs, even if, as required by applicable law, this 
allocation results in a loss of any Grace Period for which you may otherwise have 
been eligible. This payment allocation method applies to all higher APR balances, 
including transactions subject to higher APRs posted since your last statement.
New Balance. The details and amount of your New Balance for each monthly 
billing cycle will appear on your billing statement in the Summary of Account 
Activity section.
Minimum Payment Calculation.  You may pay all or part of your balance at any 
time, but each month you must pay at least the Minimum Payment Due shown 
on the billing statement.  If your New Balance is $25.00 or less, the Minimum 
Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment 
Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 
1% of your New Balance, plus interest charges assessed in the current billing 
cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net 
fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 
assessed in the current billing cycle; plus (3) all amounts past due.
Form of Payments.  Do not send cash by mail. If you pay by check or money order, 
the check or money order must be in U.S. Dollars drawn on funds on deposit in 
a federally-insured U.S. depository institution. However, we may, at our option, 
accept checks or money orders drawn on non-U.S. banks and impose service 
and collection charges on your account for processing such items. When you 
send a personal check to the BankCard Center, we may initiate an electronic 
debit for the amount of your check to your account at the financial institution on 
which the check was written. Your payment will appear as an electronic debit on 
the statement for the account from which you made payment and will include 
the name of the payee �BankCard Center�, the check number and the payment 
amount. We can (but are not required to) accept late payments, partial payments, 
payments marked or accompanied by �payment in full� or similar language, or 
payments which are otherwise improper without losing any of our rights under this 
Agreement, including our right to require payment of the entire balance.
Payment Processing.  Payments accompanied by the payment coupon are 
proper payments. Payments not accompanied by the payment coupon MUST 
include the current account number and other information as needed to identify 
the appropriate account in order to be proper payments. Proper payments will 
be applied to your account as of the date received if received Monday-Friday, 
excluding federal holidays, by the times shown below:
� Payments received at BankCard Center, P .O. Box 385, Memphis, TN 
38101�0385 by 5:00 p.m. CT
� Payments delivered in person to and processed by an employee at a 
financial center, or other bank location that accepts such payments, by 
close of business at that location
� Payments made via Banking Online website by 8:00 p.m. CT
Proper payments received on a day that the bank does not process payments or 
later than the times shown above will be applied the next business day. Any other 
payment may not be applied until 5 days after receipt.
Visa Money Transfer.  You have the ability to receive a credit transfer to your credit 
card via a Visa Money Transfer under which you or a third party may transfer 
funds to you. Funds will appear on the statement as a �Visa Transfer�, but funds 
will be treated as a non-proper payment to your account within 2 business days of receipt. We have the right to refuse/return a transfer restricted/prohibited by 
applicable federal, state or local law or by this Agreement.
Finance Charges.
Interest Charges.  We will impose periodic interest charges based on the monthly 
periodic rates that apply to Purchase, Balance Transfer and Cash Advance average 
daily balances. Periodic interest charges will begin to accrue on all average daily 
balances from the date that transactions are posted to your account, except for 
Purchase transactions that may be eligible for a grace period (see Paying Interest 
section of this Agreement).
If the periodic interest charge calculated for a billing cycle in the manner described 
in the Calculating Average Daily Balances section is less than $.50 but more 
than $.00, we will impose a $.50 minimum charge (in addition to any applicable 
Cash Advance Fee(s)). The amount of interest charged will be shown on your 
billing statement in the Interest Charged section; except that, when imposed, the 
minimum charge will appear in the Fees Charged section of your statement.
Foreign Currency Transactions.  If a transaction on the account is in a currency 
other than U.S. Dollars, Visa will convert the amount of the transaction (whether 
a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules 
then in effect. Currently, Visa rules provide that the exchange rate between the 
transaction currency and the billing currency used for processing international 
transactions will be 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. You agree to accept the converted 
amount. We will not charge a currency conversion fee to Visa Signature accounts.
Paying Interest:
Grace Period for Purchases.  You will have a grace period during which we will 
not impose an interest charge on Purchases if you pay your New Balance by the 
Payment Due Date shown on the billing statement each month. Otherwise, we 
will impose a periodic interest charge on the average daily balance of Purchases.
Grace Period for Balance Transfers.  You will have a grace period during which 
we will not impose an interest charge on Balance Transfers if you pay your New 
Balance by the Payment Due Date shown on the billing statement each month. 
Otherwise, we will impose a periodic interest charge on the average daily balance 
of Balance Transfers.
Cash Advances.  There is no grace period for Cash Advances. We will impose a 
periodic interest charge on the average daily balance of Cash Advances. 
Calculating Average Daily Balance:
Purchase Balance.  To determine this average daily balance, we (a) start with the 
previous Purchase balance at the beginning of each new billing cycle and subtract 
any unpaid interest charge and unpaid fees which were included in that balance; 
(b) determine the Purchase balance for each day of the billing cycle by subtracting 
any payments and credits applied to the Purchase balance and by adding new 
Purchases; and (c) at the end of the billing cycle, add these daily balances and 
divide the total by the number of days in the billing cycle to determine the average 
daily balance for Purchases. We then multiply this average daily balance by the 
monthly periodic rate that applies to Purchases to determine the amount of your 
periodic interest charge on Purchases.
Balance Transfer Balance.  To determine this average daily balance, we (a) start 
with the previous Balance Transfer balance at the beginning of each new billing cycle and subtract any unpaid interest charge and unpaid fees which were 
included in that balance; (b) determine the Balance Transfer balance for each day 
of the billing cycle by subtracting any payments and credits applied to the Balance 
Transfer balance and by adding new Balance Transfers; and (c) at the end of the 
billing cycle, add these daily balances and divide the total by the number of days in 
the billing cycle to determine the average daily balance for Balance Transfers. We 
then multiply this average daily balance by the monthly periodic rate that applies 
to Balance Transfers to determine the amount of your periodic interest charge on 
Balance Transfers.
Cash Advance Balance.  To determine this average daily balance, we (a) start with 
the previous Cash Advance balance at the beginning of each new billing cycle and 
subtract any unpaid interest charge and unpaid fees which were included in that 
balance; (b) determine the Cash Advance balance for each day of the monthly 
billing cycle by subtracting payments and credits applied to the Cash Advance 
balance and adding new Cash Advances; and (c) at the end of the billing cycle, add 
these daily balances and divide the total by the number of days in the billing cycle 
to determine the average daily balance for Cash Advances. We then multiply this 
average daily balance by the monthly periodic rate that applies to Cash Advances 
to determine the amount of your periodic interest charge on Cash Advances.
Other Fees and Charges:
Annual Fee.  $0
Eligibility.  To be eligible for a Visa Signature Card, you must have a minimum gross 
annual income of $35,000.
Cash Advance Fee.  We will impose a Cash Advance Fee equal to 4% of each new 
Cash Advance. However, the fee will not be less than $10 per transaction or more 
than the amount allowed by applicable law or regulation. Each Cash Advance Fee 
will be itemized in the Transactions section on your billing statement. The total 
amount of any Cash Advance Fee(s) will be shown on your billing statement in 
the Fees Charged section.
Balance Transfer Fee.  We will impose a Balance Transfer Fee equal to 4% of each 
new Balance Transfer. However, the fee will not be less than $10 per transaction 
or more than the amount allowed by applicable law or regulation. Each Balance 
Transfer Fee will be itemized in the Transactions section on your billing statement. 
The total amount of any Balance Transfer Fee(s) will be shown on your billing 
statement in the Fees Charged section.
Returned Payment Fee.  When a check or other payment on your account is not 
honored, cannot be processed or otherwise cannot be applied to your account, 
we will charge you a returned payment fee of up to $25.00 for the first occurrence 
and up to $35.00 for any additional occurrences in the following six billing cycles.
Late Payment Fee.  If we do not receive at least the minimum payment due on your 
account by the Payment Due Date shown on your billing statement, we will charge 
you a late payment fee of up to $25.00 for the first occurrence and up to $35.00 
for any additional occurrences in the following six billing cycles.
Collection Costs and Attorneys� Fees.  Except as prohibited by applicable law, 
you will pay our collection costs and attorneys� fees if you default under this 
Agreement.
Security Interest.  Collateral furnished to secure any other credit you may owe us 
may also secure this account. However, if collateral securing other credit is your 
personal residence, we waive any claim we might otherwise have to treat that 
property as collateral for this account.Account Use by Others.  Think carefully before you lend your card or authorize 
another person to use your card or account. You cannot limit that person�s 
authority to use the account, and you cannot terminate such authority (1) until 
we receive notice of revocation; and (2) until you recover possession of the card.
Notices.  If we have to notify you of anything concerning your credit card account, 
the notice will be effective if we send it to your name and address as they appear 
in our records or you receive such notice by any other means. You will notify us in 
writing immediately if you change your name, address, telephone number or other 
pertinent contact information. If you write to us for any reason other than to make 
a payment, send your letter to: BankCard Center, P .O. Box 1545, Memphis, TN 
38101-1545. If you are one of our Banking Online customers who receives notices 
or statements electronically, you will notify our Banking Online Department if you 
change your e-mail address by following the instructions in your Banking Online 
Agreement. Additionally, if you become aware of an error regarding how activity 
on this account appears on a credit report, please write us at BankCard Center, P .O. 
Box 1545, Memphis, TN 38101-1545.
Default/Entire Balance Due.  You will be in default if you fail to pay at least the 
minimum payment shown on the billing statement, or fail to comply with any 
other term of this Agreement or any other agreement with us, or in the event of 
your bankruptcy, death, fraud or misrepresentation. If you are in default, we can 
demand immediate payment of the entire balance and all fees and charges then 
owing on the account, as allowed under applicable law.
Closing or Suspending your Account � Non-default.  You may close your account 
at any time by notifying us in writing or by calling us. If more than one person is 
obligated under the Agreement, any one of them may close the account at any 
time and we may immediately close the account after we receive such a request 
without giving notice to other persons obligated for amounts owed under the 
Agreement. You agree that you will not hold us responsible for any inconvenience, 
costs or damage you incur arising from the closing of the account by one person 
obligated under the Agreement. You may re-open your account after you close it 
provided one or both persons obligated on the account provide(s) us with a written 
request to re-open it within 30 days after the closure. We may close or suspend 
your account at any time without prior notice unless required by applicable law. 
In the event of any closing or suspension, you will immediately stop using the 
account in any way, you will return or destroy the card(s) upon request, and 
you will contact anyone you authorized to charge transactions to your account, 
such as phone companies or internet service providers, to change your billing 
arrangement. You will remain obligated to pay the account balance and all fees and 
charges according to the term of this Agreement or as otherwise agreed between 
us. Additionally, if we extend credit to you because you use the account or pre-
authorized charges are paid after you close the account, you will be responsible 
for payment of such credit in accordance with the Agreement.
Credit Information.  You authorize us to make credit, employment and investigative 
inquiries about you from time to time to credit reporting agencies and others 
until the Agreement is terminated and the account balance is paid in full. You 
also promise to provide current financial information upon our request. We may 
report information about the account to credit reporting agencies, other creditors, 
Visa, and others who may properly receive such information, in accordance with 
applicable law and the Privacy Notice contained herein. 
Promotions.  From time to time, we may offer you temporary promotional terms. If 
we do, we will advise you in writing of the scope and duration of the promotional terms, and your regular terms will resume at the time our offer specifies. 
Occasionally, you may be contacted about promotions, credit card enhancements 
and special products. If you prefer not to receive this information, please write to 
us at BankCard Customer Service, P .O. Box 1545, Memphis, TN 38101-1545. 
Please allow sixty (60) days for your request to take effect.
Telephone Monitoring.  You consent and agree that we may monitor and record 
your telephone calls with our employees or contractors.
Merchant Refunds/Credits.  Merchants are not allowed to make cash refunds for 
card transactions on your credit card account, subject to a very few exceptions. 
Instead, if the merchant grants your request for a refund, it is the merchant�s 
responsibility to send a credit through Visa so that we can credit your account. 
You should retain your copy of the credit slip prepared by the merchant. If the 
merchant discloses a policy limiting or disallowing refunds, you will be bound 
by it. If you make travel or lodging or other reservations, you will be bound by 
the merchant�s cancellation policy, and you must obtain a cancellation code from 
the merchant to avoid or limit any charges in accordance with that policy. If you 
give a merchant continuing authority to charge your account for repeat charges, 
you must notify the merchant when you wish to revoke that authorization. If the 
merchant continues to initiate such charges, to preserve your billing rights you 
must continue to notify us promptly every time your billing statement reflects a 
new charge.
Assignment.  We may assign any or all of our rights under this Agreement, 
including any debt you owe us.
Captions.  Captions used in this Agreement are intended solely as aids to 
convenient reference and do not affect the interpretation of this Agreement. 
Applicable Law/Non-Waiver/Severability.  YOUR ACCOUNT AND THE TERMS 
AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
under this Agreement any number of times without waiving our rights in the future. 
If any term of this Agreement is found to be unenforceable, all other provisions 
remain in full force and effect.
Illegal Transactions. You agree not to make or permit to be made any illegal 
transactions on the account through use of the card, any other account access 
device issued by us, or in any other manner. We may, but are not required to, 
deny authorization for any internet gambling transactions, any internet purchase of 
tobacco products, or any other illegal transactions. You agree that illegal use of the 
card or the account will be deemed an action of default and/or breach of contract 
and, in such event, the account and other related services may be terminated 
at our discretion. You further agree that should illegal use occur, you waive any 
right to sue us for such illegal use or any activity directly or indirectly related to it, 
and you agree to indemnify and hold us harmless from any suits, legal action, or 
liability directly resulting from such illegal use.
Lost or Stolen Cards/Unauthorized Use.  If any card (or convenience check) is 
lost or stolen or if you think someone used or may use your account without 
permission, you agree to notify us immediately by calling the number that is found 
on the back of your card or on your monthly credit card statement. Upon our 
request, you agree to provide us such written information as we request or require 
to assist our investigation.
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