PR I C I N G   I NFORMAT I O N 
                                      VISA SIGNATURE  
                                       A S   O F   6/ 01/16  
     	 �
     V a ri ab le   A nn u a l   P e r centag e   Rate s   ( AP Rs )   an d   co r respond i n g   pe ri od ic   r ate s   fo r   P u r chas e   an d   B a l anc e   T r ansfe r   ba l anc e s : 
          P ri m e *   p l u s   a   m a r g in   o f   4.50%  -   1 7.50 % ( 8 . 00 %  -   21 . 00 % APR)  
          Co r respo n d i n g   m onth ly   per i od i c   rate s   o f   (0.6 67 %  -   1. 75 %)  
     	 �
     V a ri ab le   A nnua l   P e r centag e   Rat e   ( AP R )   an d   co r respo n d i n g   pe ri od ic   r at e   fo r   Cas h   A dvanc e   ba l ance s  
     	 �
          P ri m e *   p l u s   a   m a r g in   o f   1 7.50 % ( 21.00 % APR)  
          Co r respond i n g  m onth ly   per i od ic   rat e   o f   (1. 75 %)  
     * AP R s   m a y   i ncreas e   o r   decreas e   fo r   e ac h   ne w   b i lli n g   cyc le   base d   o n   chan g e s   in   th e   U.S .   Pr i m e   Rat e   pub li she d   in   Th e   W a ll   Stree t   Journa l  
     ( �Pr i m e � ) .   Eac h   AP R   w ill   equa l   th e   su m   o f   Pr i m e   p l u s   th e   app li cab le   m arg in   ( � M arg i n � ) .  M arg in   m ean s  th e   percentag e   po i nt s   a dde d   t o   th e  
     Pr i m e   Rat e   t o   ca l cu l at e   t h e   APR .  A n   i ncreas e   in   you r   rate s   w ill   i ncreas e   you r   i nteres t   charge s   an d  m a y   i ncreas e   you r   m i n i m u m   m onth ly  
     pay m ent .   You r   rate s   w ill   no t   exce e d   th e   m ax i m u m   w e   ar e   a ll owe d   t o   charg e   unde r   app li cab le  l a w .  
     	 �
     P ena l t y   AP R   an d   whe n   it   app li es :    Non e  
     	 �
     P ay i n g   Inte r est :  
          Your due date is at least 24 days after the close of each billing cycle.  
          	 �
          P u r chas e s:   We will not charge you interest on purchases if you pay your new balance by the payment due date shown on your  
          statement each month.  
           
          Balance Transfers:  We will not c harge you interest on balance transfers if you pay your new balance by the payment due  
          date shown on your statement each month.  
           
          Cas h   Advanc e s   �   We will charge you interest on Cash Advances from the date of posting.  
          M i n i m u m   Interes t   Charge :    Charge d   i ntere s t   w ill   b e   n o   l es s   tha n   $.50 .  
     	 � 	 �
     Fees :   	 �
          A nnua l   Fee :    $0  
          	 �
          Transact i o n   Fees :  
               B a l anc e   T r ansfe r:     4 %   o f   eac h   ne w   Balance Transfer   (no t   l es s   tha n   $1 0   pe r   tr a nsact i on)  
               Cas h   Advanc e :       4 %   o f   eac h   ne w   Cas h   Advanc e   (no t   l es s   tha n   $1 0   pe r   tr a nsact i on ) 
                Fore i g n   Trans act i on :       $0
     	 �
     P ena l t y   F ees :   	 �
               Lat e   Pay m ent :     U p   t o   $3 5  
               O ver - the - Cred it  L i m i t :     $ 0  
               Returne d   Pay m ent :     U p   t o   $3 5  
     	 �
     Ho w   w e   w ill   ca l cu l at e   you r   ba l ance :    W e   us e   a   m etho d   ca ll e d   "averag e   da ily   ba l anc e   ( i nc l ud i n g   ne w   purchase s ,   ba l anc e   transfe r s   an d 
     cas h   adv a nc es)" .   
     Ca l cu l at i n g   Averag e   Da ily   Ba l anc e   �   P u r chas e   B a l ance and Balance Transfers .   Y o u   w ill   hav e   a   g r ac e   pe ri o d   du ri n g   wh i c h   w e   w i l l   no t 
     i m pos e  a n   i nteres t   charg e   o n   Purchase s and Balance Transfers   if   yo u   pa y   in   fu ll   you r   Ne w   Ba l anc e   b y   th e   P ay m en t   Du e   Dat e   show n   o n  
     th e   b il l i n g   state m en t   eac h  m ont h .   O therw i se ,   w e   w ill   i m pos e   a   per i od ic   i nteres t   charg e   o n   th e   averag e   da ily   ba l anc e   o f   Purchase s and 
     Balance Transfers .   T o   deter m i n e   th is   averag e   da ily  ba l ance ,   w e   (a )   sta rt   w i t h   th e   prev i ou s   Purchas e and Balance  Transfer   ba l anc es   a t   t h e  
     beg i nn i n g   o f   eac h   ne w   b illi n g   cyc le   an d   subtrac t   an y   unpa id   i nteres t  charg e   an d   un p a id   fee s   wh i c h   wer e   i nc l ude d   in   those   ba l ances ;   (b )  
     deter m i n e   th e   Purchas e and Balance Transfer   ba l anc es   fo r   ea c h   da y   o f   t h e   b il l i n g   cyc le   b y  subtra ct i n g   an y   pay m ent s   an d   cred i t s   app li e d   t o  
     th e   Purchas e and Balance Transfer   ba l anc es   an d   b y   add i n g   ne w   Pu r chases and Balance Transfers ;   an d   (c )   a t   th e   en d   o f   t h e   b il lin g  cyc l e ,  
     ad d   thes e   da ily   ba l ance s   an d   d i v i d e   th e   tot a l   b y   th e   nu m be r   o f   day s   in   th e   b il l i n g   cyc l e   t o   deter m i n e   th e   averag e   da ily   ba l anc e   fo r 
     P u r chas es and Balance Transfers .    W e   the n   m u l t i p ly   th is   averag e   da i l y   ba l anc e   b y   th e   m onth ly   per i od ic   rat e   tha t   app l ie s   t o   Purchase s and 
     Balance Transfers   t o   deter m i n e   th e   a m oun t  o f   you r   per i od ic   i nteres t   charg e   o n   Purchase s and Balance Transfers .  
      
     Ca l cu l at i n g   Averag e   Da ily   Ba l anc e   �   Cas h   Advanc e   Ba l ance .   Ther e   is   n o   grac e   per i o d   fo r   Cas h   Advanc es .   W e   w ill   i m pos e   a   per i od ic 
     i nteres t   charg e   o n   th e   averag e   da ily   ba l anc e   o f   C as h   A d vance s .   T o   deter m i n e   th is   a verag e   da ily   ba l ance ,   w e   (a )   sta rt   w i t h   th e   prev i ou s 
     Cas h   Advanc e   ba l anc e   a t   t h e   beg i nn i n g   o f   eac h   ne w   b il l i n g   cyc le   an d   subtrac t   an y   un p a id   i nteres t   charg e   an d   unpa id   fee s   wh i c h   wer e 
     i nc l ud e d   in   tha t   ba l anc e ;   (b )   deter m i n e   th e   C as h   A dva n c e   ba l anc e   fo r   eac h   da y   o f   th e   m onth ly   b il lin g   cyc le   b y   subtract i n g   pay m ent s   an d 
     cred i t s   app l i e d   t o   th e   C as h   A dvanc e   ba l anc e   an d   ad d i n g   ne w   C as h   A dvanc es ;   an d   (c )   a t   t h e   en d   o f   t h e   b il lin g   cyc l e ,   ad d   thes e   da i l y 
     ba l ance s   an d   d i v i d e   th e   tota l   b y   th e   nu m be r   o f   day s   in   th e   b il l i n g   cy c le   t o   deter m i n e   th e   averag e   da ily   ba l anc e   fo r   Cas h   Advance s.  W e 
     the n   m u l t i p ly   th is   averag e   da ily   ba l anc e   b y   th e   m onth ly   per i od ic   rat e   tha t   app li e s   t o   Cas h   Advance s .   Th e   resu l t   is   you r   per i od ic   i nteres t 
     charg e   o n   Cas h   Advances .
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
 While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
 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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
 Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program 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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
 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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
 reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar  Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
 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 
 year in which awarded. For example, points awarded in January 2015, if not  Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
 Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your  � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
 Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
 your privileges to use your credit card account for Purchases, Balance Transfers regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.  �  any transactions involving the account; 
 or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 acquire any vested right with respect to such points or other program benefits; the same way as costs are allocated in arbitration by a single arbitrator. A final 
 � any interest, fees and other charges to the account; except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature  Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
 same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
 previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
 to or offered in connection with the account; If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
 cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
 � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
 jurisdiction. Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
 at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 at any time, even though such changes may prevent your use of the Points you  Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
 have accumulated. consolidated in arbitration with Claims brought by or against someone other than Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 ARBITRATION PROVISION All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
 ARBITRATION PROVISION the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you  Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
 ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
 CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
 other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.  the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT agreement regarding arbitration of Claims must be agreed in writing.
 liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
 PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,  This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
 RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
 HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
 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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as  Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
 COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
 interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act. merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
 WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
 THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
 ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
    Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
 FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
 AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
 BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.  to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
 Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
 will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
 defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
 this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
 by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
 so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
 The party electing arbitration must use the arbitration
 transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.  otherwise stated in this Arbitration Provision. Copies of its current rules,  If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 administrator shown below and follow its rules and procedures, except as
 mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
 procedures, forms, and related information, including information about how to  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
 Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
 file a Claim, may be obtained by contacting the Administrator as follows:  1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
 commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
 submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
 Act (the FAA). Arbitration Act (the FAA).  American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your  Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043 think you owe an amount and you do not pay, we may report you as delinquent.
 to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
 First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
 Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
 affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 and assigns. The words you, your, and yours refer to any Consumer applicant, 
    BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10 11 12 M-118799 
   8  9  10  11  12  13 Rev. 05/16
 13
    Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
    your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
    folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
    agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
    application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
    and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
    as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
    evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
    governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
                                                                                                                                                                                 Notices. If we have to notify you of anything concerning your credit card account, 
    �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
                                                                                                                                                                                 the notice will be effective if we send it to your name and address as they appear 
    applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
                                                                         Minimum Payment Calculation. You may pay all or part of your balance at any                             in our records or you receive such notice by any other means. You will notify 
    �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase                                                     merchant continues to initiate such charges, to preserve your billing rights you 
                                                                         time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
    also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment.                                                                                                   must continue to notify us promptly every time your billing statement reflects a 
                                                                         on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
    authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
                                                                                                                                                                                 than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
    issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
    to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
    cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
    used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
    for consumer use and will not be issued to sole proprietorships, corporations,                          Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
                                       the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
    partnerships or limited liability companies.                                                            other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
                                       Promise to Pay. You promise to pay us, in accordance with the terms of this                             then multiply this average daily balance by the monthly periodic rate that applies 
                                                                         Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
    Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
                                                                         order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
    remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
                                                                         deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
    but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
    amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
    allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
    of this Agreement include, but are not limited to, risks associated with your                                                                                                                                   Illegal Transactions. You agree not to make or permit to be made any illegal 
                                       the account to another person.    debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
    account, economic and market conditions and trends, product parameters, and                                                                                                                                     transactions on the account through use of the card, any other account acces
                                       Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
    our business needs and considerations. If we make such amendments, you                                                                     Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
                                       We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
    will receive advance notice and a right to opt out, as may be required by the                                                              Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
                                       statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
    Agreement and applicable law.                                                                           Paying Interest:                   than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
                                       agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
    Using Your Account. In addition to the card, we may furnish you checks which                                                                                                                                    of the card or the account will be deemed an action of default and/or breach 
                                       account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
    can be used to access your account. You agree to use checks only in the form we                                                                                                                                 of contract and, in such event, the account and other related services may be 
                                       which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
    furnish and according to any instructions we give you. You cannot stop payment                                                                                                                                  terminated at our discretion. You further agree that should illegal use occur, you 
                                       credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
    on checks used to access the account. You may use your account to purchase                                                                                                                                      waive any right to sue us for such illegal use or any activity directly or indirectly 
                                       the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
    goods and services and to get Cash Advances.                                                            Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
                                       transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
    Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
    and ATMs, transactions using checks to access your account, and cash-                                                                                                                                           Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
                                       monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
    equivalent transactions (including purchases of travelers� checks, casino chips                                                                                                                                 is lost or stolen or if you think someone used or may use your account without 
                                       posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
    and other items which Visa rules, as applicable, designate as cash or cash-                                                                                                                                     permission, you agree to notify us immediately by calling 1-800-234-2840 or 
                                       The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
    equivalent transactions). The amount of a Cash Advance obtained from an ATM                             Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
                                       transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
    may include a surcharge imposed by the ATM owner.                                                       periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
                                       Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
                                                                                                                                               account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
    Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
                                                                                                                                               occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
    of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
                                                                                                                                               billing cycles.                   promotional terms, and your regular terms will resume at the time our offer 
    transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
                                                                           �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
    Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
                                                                                                            balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
    our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT                              VISA SIGNATURE POINTS PROGRAM 
                                                                                                            by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
    account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process                                      Awarding Points. On each monthly billing cycle closing date we will award two 
                                                                                                            by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
    Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
                                                                                                            daily balances and divide the total by the number of days in the billing cycle to 
    not considered a Balance Transfer under this Agreement.                                                                                    Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
                                       and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
                                                                                                            determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
    Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
    (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
                   1                                 2                                  3                                  4                                 5                                  6                                  7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
                                                                                                                                               Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
                                                                                                                                               the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
                                       Minimum Payment Calculation. You may pay all or part of your balance at any                             in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase                     merchant continues to initiate such charges, to preserve your billing rights you 
                                       time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment.                                                                   must continue to notify us promptly every time your billing statement reflects a 
                                       on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
                                                                                                                                               than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
    the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies.                            other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
    Promise to Pay. You promise to pay us, in accordance with the terms of this                             then multiply this average daily balance by the monthly periodic rate that applies 
                                       Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
                                       order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
                                       deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your                                                                                                   Illegal Transactions. You agree not to make or permit to be made any illegal 
    the account to another person.     debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and                                                                                                     transactions on the account through use of the card, any other account acces
    Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you                                     Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
    We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the                              Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
    statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law.                                           Paying Interest:                   than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
    agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which                                                                                                    of the card or the account will be deemed an action of default and/or breach 
    account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we                                                                                                 of contract and, in such event, the account and other related services may be 
    which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment                                                                                                  terminated at our discretion. You further agree that should illegal use occur, you 
    credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase                                                                                                      waive any right to sue us for such illegal use or any activity directly or indirectly 
    the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.                            Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
    transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash-                                                                                                           Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
    monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips                                                                                                 is lost or stolen or if you think someone used or may use your account without 
    posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash-                                                                                                     permission, you agree to notify us immediately by calling 1-800-234-2840 or 
    The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
    transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner.                       periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
    Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
                                                                                                            account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
                                                                                                            occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
                                                                                                            billing cycles.                    promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
                                        �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
                                                                         balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
                                                                         by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process      Awarding Points. On each monthly billing cycle closing date we will award two 
                                                                         by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
                                                                         daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement.                                                    Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
    and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
                                                                         determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1               2                                 3                                  4                                  5                                 6                                  7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
                                                                                                            Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
                                                                                                            the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
    Minimum Payment Calculation. You may pay all or part of your balance at any                             in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase  merchant continues to initiate such charges, to preserve your billing rights you 
    time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment.                                 must continue to notify us promptly every time your billing statement reflects a 
    on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
                                                                                                            than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
 the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies. other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
 Promise to Pay. You promise to pay us, in accordance with the terms of this  then multiply this average daily balance by the monthly periodic rate that applies 
    Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
    order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
    deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your                                                                 Illegal Transactions. You agree not to make or permit to be made any illegal 
 the account to another person. debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and                                                                   transactions on the account through use of the card, any other account acces
 Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you  Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
 We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the  Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
 statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law.         Paying Interest:                  than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
 agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which                                                                  of the card or the account will be deemed an action of default and/or breach 
 account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we                                                               of contract and, in such event, the account and other related services may be 
 which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment                                                                terminated at our discretion. You further agree that should illegal use occur, you 
 credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase                                                                    waive any right to sue us for such illegal use or any activity directly or indirectly 
 the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.  Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
 transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash-                                                                         Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
 monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips                                                               is lost or stolen or if you think someone used or may use your account without 
 posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash-                                                                   permission, you agree to notify us immediately by calling 1-800-234-2840 or 
 The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
 transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner. periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
 Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
                                                                         account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
                                                                         occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
                                                                         billing cycles.                    promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
     �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
                                       balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
                                       by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process  Awarding Points. On each monthly billing cycle closing date we will award two 
                                       by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
                                       daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement.                 Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
 and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
                                       determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1  2            3                                 4                                  5                                  6                                 7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
                                                                         Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
                                                                         the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
 Minimum Payment Calculation. You may pay all or part of your balance at any  in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase  merchant continues to initiate such charges, to preserve your billing rights you 
 time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment. must continue to notify us promptly every time your billing statement reflects a 
 on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
                                                                         than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
 the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies. other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
 Promise to Pay. You promise to pay us, in accordance with the terms of this  then multiply this average daily balance by the monthly periodic rate that applies 
 Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
 order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
 deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your                              Illegal Transactions. You agree not to make or permit to be made any illegal 
 the account to another person. debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and                                transactions on the account through use of the card, any other account acces
 Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you  Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
 We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the  Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
 statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law. Paying Interest: than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
 agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which                               of the card or the account will be deemed an action of default and/or breach 
 account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we                            of contract and, in such event, the account and other related services may be 
 which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment                             terminated at our discretion. You further agree that should illegal use occur, you 
 credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase                                 waive any right to sue us for such illegal use or any activity directly or indirectly 
 the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.  Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
 transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash-                                      Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
 monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips                            is lost or stolen or if you think someone used or may use your account without 
 posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash-                                permission, you agree to notify us immediately by calling 1-800-234-2840 or 
 The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
 transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner. periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
 Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
                                       account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
                                       occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
                                       billing cycles.                   promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
 �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
    balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
    by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process  Awarding Points. On each monthly billing cycle closing date we will award two 
    by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
    daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement. Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
 and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
    determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1  2  3         4                                 5                                  6                                  7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
                                       Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
                                       the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
 Minimum Payment Calculation. You may pay all or part of your balance at any  in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase  merchant continues to initiate such charges, to preserve your billing rights you 
 time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment. must continue to notify us promptly every time your billing statement reflects a 
 on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
                                       than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
 the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies. other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
 Promise to Pay. You promise to pay us, in accordance with the terms of this  then multiply this average daily balance by the monthly periodic rate that applies 
 Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
 order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
 deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your  Illegal Transactions. You agree not to make or permit to be made any illegal 
 the account to another person. debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and  transactions on the account through use of the card, any other account acces
 Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you  Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
 We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the  Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
 statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law. Paying Interest: than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
 agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which  of the card or the account will be deemed an action of default and/or breach 
 account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we  of contract and, in such event, the account and other related services may be 
 which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment  terminated at our discretion. You further agree that should illegal use occur, you 
 credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase  waive any right to sue us for such illegal use or any activity directly or indirectly 
 the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.  Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
 transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash-   Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
 monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips  is lost or stolen or if you think someone used or may use your account without 
 posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash- permission, you agree to notify us immediately by calling 1-800-234-2840 or 
 The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
 transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner. periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
 Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
    account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
    occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
    billing cycles.                    promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
 �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
 balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
 by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process  Awarding Points. On each monthly billing cycle closing date we will award two 
 by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
 daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement. Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
 and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
 determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1  2  3  4      5                                 6                                  7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
    Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
    the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
 Minimum Payment Calculation. You may pay all or part of your balance at any  in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase  merchant continues to initiate such charges, to preserve your billing rights you 
 time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment. must continue to notify us promptly every time your billing statement reflects a 
 on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
    than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
 the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies. other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
 Promise to Pay. You promise to pay us, in accordance with the terms of this  then multiply this average daily balance by the monthly periodic rate that applies 
 Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
 order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
 deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your  Illegal Transactions. You agree not to make or permit to be made any illegal 
 the account to another person. debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and  transactions on the account through use of the card, any other account acces
 Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you  Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
 We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the  Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
 statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law. Paying Interest: than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
 agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which  of the card or the account will be deemed an action of default and/or breach 
 account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we  of contract and, in such event, the account and other related services may be 
 which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment  terminated at our discretion. You further agree that should illegal use occur, you 
 credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase  waive any right to sue us for such illegal use or any activity directly or indirectly 
 the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.  Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
 transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash- Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
 monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips  is lost or stolen or if you think someone used or may use your account without 
 posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash- permission, you agree to notify us immediately by calling 1-800-234-2840 or 
 The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
 transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner. periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
 Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
 account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
 occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
 billing cycles. promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
 �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
 balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
 by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process  Awarding Points. On each monthly billing cycle closing date we will award two 
 by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
 daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement. Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
 and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
 determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1  2  3  4  5   6                                 7
 Agreement and Definitions. This Cardholder Agreement, the folder containing  periodic rates and corresponding APRs used to compute the periodic interest  payments to balances subject to lower APRs before balances subject to higher  transfer funds to you. Funds will appear on the statement as a �Visa Transfer�,  Balance Transfer Balance. To determine this average daily balance, we (a) start  Security Interest. Collateral furnished to secure any other credit you may owe us  Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
 your card including the Account Opening Disclosure Table on the back of the  charges on your account will be variable rates which may increase or decrease  APRs. If you make more than the minimum payment, we will allocate amounts  but funds will be treated as a non-proper payment to your account within 2  with the previous Balance Transfer balance at the beginning of each new billing  may also secure this account. However, if collateral securing other credit is your  card transactions on your credit card account, subject to a very few exceptions. 
 folder, changes and notices of changes we make to your account and/or this  for each new billing cycle based on changes in the U.S. Prime Rate published  in excess of the minimum payment to balances subject to higher APRs before  business days of receipt. We have the right to refuse/return a transfer restricted/ cycle and subtract any unpaid interest charge and unpaid fees which were  personal residence, we waive any claim we might otherwise have to treat that  Instead, if the merchant grants your request for a refund, it is the merchant�s 
 agreement as provided herein, the Visa Signature Guidelines included on your  in The The Wall Street Journal (�Prime�). Your corresponding APRs, divided  balances subject to lower APRs, even if, as required by applicable law, this  prohibited by applicable federal, state or local law or by this Agreement. included in that balance; (b) determine the Balance Transfer balance for each  property as collateral for this account. responsibility to send a credit through Visa so that we can credit your account. 
 application and published and periodically updated at www.firsttennessee.com,  by 12 and truncated to the next one-thousandth percentage point will be your  allocation results in a loss of any Grace Period for which you may otherwise have  Finance Charges. day of the billing cycle by subtracting any payments and credits applied to the  Account Use by Others. Think carefully before you lend your card or authorize  You should retain your copy of the credit slip prepared by the merchant. If the 
 and all documents bearing your hand-written, electronic or digital signature (such  monthly periodic rates. Your rates will not exceed the maximum we are allowed  been eligible. This payment allocation method applies to all higher APR balances,  Interest Charges. We will impose periodic interest charges based on the monthly  Balance Transfer balance and by adding new Balance Transfers; and (c) at the  another person to use your card or account. You cannot limit that person�s  merchant discloses a policy limiting or disallowing refunds, you will be bound by 
 as, but not limited to, any application, convenience check or sales slip) or other  to charge under applicable law. We will use the value of Prime published on the  including transactions subject to higher APRs posted since your last statement. periodic rates that apply to Purchase, Balance Transfer and Cash Advance  end of the billing cycle, add these daily balances and divide the total by the  authority to use the account, and you cannot terminate such authority (1) until  it. If you make travel or lodging or other reservations, you will be bound by the 
 evidence of indebtedness on the credit card account constitute the contract  last business day of each calendar month (the Determination Date) in order to  New Balance. The details and amount of your New Balance for each monthly  average daily balances. Periodic interest charges will begin to accrue on  number of days in the billing cycle to determine the average daily balance for  we receive notice of revocation; and (2) until you recover possession of the card. merchant�s cancellation policy, and you must obtain a cancellation code from 
 governing your credit card account (the �Agreement�). The words �you� and  calculate your APRs in effect from the first day through the last day of your billing  billing cycle will appear on your billing statement in the Summary of Account  all average daily balances from the date that transactions are posted to your  Balance Transfers. We then multiply this average daily balance by the monthly  the merchant to avoid or limit any charges in accordance with that policy. If you 
 Notices. If we have to notify you of anything concerning your credit card account, 
 �your� refer to each person jointly and severally (if more than one) who has  cycle ending in the calendar month following the Determination Date. If more than  Activity section. account, except for Purchase transactions that may be eligible for a grace period  periodic rate that applies to Balance Transfers to determine the amount of your  give a merchant continuing authority to charge your account for repeat charges, 
 the notice will be effective if we send it to your name and address as they appear 
 applied for or otherwise agreed to be responsible for the account. The words  one Prime rate is published on the Determination Date, we will use the highest.  (see Paying Interest section of this Agreement). periodic interest charge on Balance Transfers. you must notify the merchant when you wish to revoke that authorization. If the 
 Minimum Payment Calculation. You may pay all or part of your balance at any  in our records or you receive such notice by any other means. You will notify 
 �we,� �our,� and �us� mean First Tennessee Bank National Association (which  An increase in your rates will increase your interest charges and may increase  merchant continues to initiate such charges, to preserve your billing rights you 
 time, but each month you must pay at least the Minimum Payment Due shown  If the periodic interest charge calculated for a billing cycle in the manner described  Cash Advance Balance. To determine this average daily balance, we (a) start with  us in writing immediately if you change your name, address, telephone number 
 also is branded as �First Horizon�), and its successors, assigns, agents and/or  you minimum monthly payment. must continue to notify us promptly every time your billing statement reflects a 
 on the billing statement.  If your New Balance is $25.00 or less, the Minimum  in the Calculating Average Daily Balances section is less than $.50 but more  the previous Cash Advance balance at the beginning of each new billing cycle  or other pertinent contact information. If you write to us for any reason other 
 authorized representatives. The word �card� means each Visa Signature card  Your APRs on Purchases, Balance Transfers and Cash Advances will equal the  Payment Due will be the New Balance in full.  Otherwise, the Minimum Payment  than $.00, we will impose a $.50 minimum charge (in addition to any applicable  and subtract any unpaid interest charge and unpaid fees which were included  new charge.
 than to make a payment, send your letter to: BankCard Center, P.O. Box 1545, 
 issued on the account. The card is our property, and you agree to surrender it  sum of Prime plus a margin (�Margin�). Margin means the percentage points  Due will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)  Cash Advance Fee(s)). The amount of interest charged will be shown on your  in that balance; (b) determine the Cash Advance balance for each day of the  Memphis, TN 38101-1545. If you are one of our Banking Online customers who  Assignment. We may assign any or all of our rights under this Agreement, 
 to us or our agent upon request. This Agreement is binding on you unless you  added to the Prime Rate to calculate the APR. Your Margins, corresponding  1% of your New Balance, plus interest charges assessed in the current billing  billing statement in the Interest Charged section; except that, when imposed,  monthly billing cycle by subtracting payments and credits applied to the Cash  receives notices or statements electronically, you will notify our Banking Online  including any debt you owe us.
 cancel your account within 30 days after receiving the card and you have not  APRs and monthly periodic rates for Purchases, Balance Transfers and Cash  cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net  the minimum charge will appear in the Fees Charged section of your statement. Advance balance and adding new Cash Advances; and (c) at the end of the  Department if you change your e-mail address by following the instructions in  Captions. Captions used in this Agreement are intended solely as aids to 
 used or authorized use of your account. This card is available only to individuals  Advances are shown on the enclosed folder containing your card which includes  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0  billing cycle, add these daily balances and divide the total by the number of days 
 for consumer use and will not be issued to sole proprietorships, corporations,  Foreign Currency Transactions. If a transaction on the account is in a currency  your Banking Online Agreement. Additionally, if you become aware of an error  convenient reference and do not affect the interpretation of this Agreement. 
 the Account Opening Disclosure Table on the back of the folder. assessed in the current billing cycle; plus (3) all amounts past due. in the billing cycle to determine the average daily balance for Cash Advances. We 
 partnerships or limited liability companies. other than U.S. Dollars, Visa will convert the amount of the transaction (whether  regarding how activity on this account appears on a credit report, please write us  Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS 
 Promise to Pay. You promise to pay us, in accordance with the terms of this  then multiply this average daily balance by the monthly periodic rate that applies 
 Form of Payments. Do not send cash by mail. If you pay by check or money  a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules  at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
 Changes In Terms. You consent and agree that at any time we may add, delete,  Agreement, for all transactions on your account, plus all interest, finance charges  to Cash Advances to determine the amount of your periodic interest charge on 
 order, the check or money order must be in U.S. Dollars drawn on funds on  then in effect. Currently, Visa rules provide that the exchange rate between the  Default/Entire Balance Due. You will be in default if you fail to pay at least the  LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights 
 remove, amend, or change any terms and conditions of this Agreement, including  and other charges, fees and expenses incurred on or in connection with the  Cash Advances.
 deposit in a federally-insured U.S. depository institution. However, we may, at our  transaction currency and the billing currency used for processing international  minimum payment shown on the billing statement, or fail to comply with any  under this Agreement any number of times without waiving our rights in the 
 but not limited to the Annual Percentage Rate (APR), fees or other terms. Such  account. You will be individually and, if applicable, jointly and severally liable for  option, accept checks or money orders drawn on non-U.S. banks and impose  transactions will be a rate selected by Visa from the range of rates available in  Other Fees and Charges: other term of this Agreement or any other agreement with us, or in the event of  future. If any term of this Agreement is found to be unenforceable, all other 
 amendments may apply to the unpaid balance and to new transactions, as  the total balance, whether the charges are made by you or by a person authorized  service and collection charges on your account for processing such items. When  wholesale currency markets for the applicable central processing date (which  Annual Fee. $0 your bankruptcy, death, fraud or misrepresentation. If you are in default, we can  provisions remain in full force and effect.
 allowed by applicable law. Reasons we may change the terms and conditions  by you in any way to use your account in any way. You cannot transfer or assign  you send a personal check to the BankCard Center, we may initiate an electronic  rate may vary from the rate Visa itself receives) or the government mandated  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum  demand immediate payment of the entire balance and all fees and charges then 
 of this Agreement include, but are not limited to, risks associated with your  Illegal Transactions. You agree not to make or permit to be made any illegal 
 the account to another person. debit for the amount of your check to your account at the financial institution on  rate in effect for the applicable central processing date. You agree to accept  gross annual income of $35,000. owing on the account, as allowed under applicable law.
 account, economic and market conditions and trends, product parameters, and  transactions on the account through use of the card, any other account acces
 Credit Limit. Your initial credit limit appears on the folder containing your card.  which the check was written. Your payment will appear as an electronic debit on  the converted amount. We will not charge a currency conversion fee to Visa 
 our business needs and considerations. If we make such amendments, you  Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new  Non-default Termination or Suspension. You may terminate account privileges  s device issued by us, or in any other manner. We may, but are not required to, 
 We may increase or decrease your credit limit at any time. Each of your billing  the statement for the account from which you made payment and will include  Signature accounts.
 will receive advance notice and a right to opt out, as may be required by the  Cash Advance. However, the fee will not be less than $10 per transaction or more  at any time by notifying us in writing. We may terminate or suspend account  deny authorization for any internet gambling transactions, any internet purchase 
 statements will reflect your credit limit in effect as of the date of the statement. You  the name of the payee �BankCard Center�, the check number and the payment 
 Agreement and applicable law. Paying Interest: than the amount allowed by applicable law or regulation. Each Cash Advance Fee  privileges at any time without prior notice unless required by applicable law. In  of tobacco products, or any other illegal transactions. You agree that illegal use 
 agree not to conduct any transaction that would cause the total balance of your  amount. We can (but are not required to) accept late payments, partial payments,  Grace Period for Purchases. You will have a grace period during which we will  will be itemized in the Transactions section on your billing statement. The total  the event of any termination or suspension, you will immediately stop using the 
 Using Your Account. In addition to the card, we may furnish you checks which  of the card or the account will be deemed an action of default and/or breach 
 account to exceed your credit limit. We may honor, at our discretion, transactions  payments marked or accompanied by �payment in full� or similar language, or  not impose an interest charge on Purchases if you pay your New Balance by the  amount of any Cash Advance Fee(s) will be shown on your billing statement in  account, and you will return or destroy the card upon request. You will remain 
 can be used to access your account. You agree to use checks only in the form we  of contract and, in such event, the account and other related services may be 
 which exceed your credit limit. You agree to pay any amount that exceeds your  payments which are otherwise improper without losing any of our rights under  Payment Due Date shown on the billing statement each month. Otherwise, we  the Fees Charged section. obligated to pay the account balance and all fees and charges according to the 
 furnish and according to any instructions we give you. You cannot stop payment  terminated at our discretion. You further agree that should illegal use occur, you 
 credit limit immediately upon request. Without additional notice we may limit  this Agreement, including our right to require payment of the entire balance. will impose a periodic interest charge on the average daily balance of Purchases. Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each  terms of this Agreement or as otherwise agreed between us.
 on checks used to access the account. You may use your account to purchase  waive any right to sue us for such illegal use or any activity directly or indirectly 
 the number or dollar amount of account transactions, and/or authorizations for  Payment Processing. Payments accompanied by the payment coupon are 
 goods and services and to get Cash Advances.  Grace Period for Balance Transfers. You will have a grace period during which  new Balance Transfer. However, the fee will not be less than $10 per transaction  Credit Information. You authorize us to make credit, employment and  related to it, and you agree to indemnify and hold us harmless from any suits, 
 transactions, within your credit limit for security or other reasons. proper payments. Payments not accompanied by the payment coupon MUST  we will not impose an interest charge on Balance Transfers if you pay your New  or more than the amount allowed by applicable law or regulation. Each Balance  investigative inquiries about you from time to time to credit reporting agencies  legal action, or liability directly resulting from such illegal use.
 Cash Advances include cash obtained from participating financial institutions  Billing Statements. We will send or make available a billing statement for each  include the current account number and other information as needed to identify  Balance by the Payment Due Date shown on the billing statement each month.  Transfer Fee will be itemized in the Transactions section on your billing statement.  and others until the Agreement is terminated and the account balance is paid in 
 and ATMs, transactions using checks to access your account, and cash- Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) 
 monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is  the appropriate account in order to be proper payments. Proper payments will  Otherwise, we will impose a periodic interest charge on the average daily balance  The total amount of any Balance Transfer Fee(s) will be shown on your billing  full. You also promise to provide current financial information upon our request. 
 equivalent transactions (including purchases of travelers� checks, casino chips  is lost or stolen or if you think someone used or may use your account without 
 posted to your account or if there is a debit or credit balance of more than $1.00.  be applied to your account as of the date received if received Monday-Friday,  of Balance Transfers. statement in the Fees Charged section. We may report information about the account to credit reporting agencies, 
 and other items which Visa rules, as applicable, designate as cash or cash- permission, you agree to notify us immediately by calling 1-800-234-2840 or 
 The statement will reflect each Purchase, Balance Transfer or Cash Advance  excluding federal holidays, by the times shown below:
 equivalent transactions). The amount of a Cash Advance obtained from an ATM  Cash Advances. There is no grace period for Cash Advances. We will impose a  Returned Payment Fee. When a check or other payment on your account  other creditors, Visa, and others who may properly receive such information, in  (901) 818-9250 (Collect) if you are outside the continental United States. Upon 
 transaction posted to your account, your New Balance, Payment Due Date,  � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 
 may include a surcharge imposed by the ATM owner. periodic interest charge on the average daily balance of Cash Advances.  is not honored, cannot be processed or otherwise cannot be applied to your  accordance with applicable law and the Privacy Notice contained herein.  our request, you agree to provide us such written information as we request or 
 Minimum Payment Due, Interest Charges, Fees and other important information.  38101�0385 by 5:00 p.m. CT
 account, we will charge you a returned payment fee of up to $25.00 for the first  Promotions. From time to time, we may offer you temporary promotional  require to assist our investigation.
 Purchases are transactions initiated with the card or account for the purchase  Unless you notify us of any alleged errors in accordance with the Billing Rights  �  Payments delivered in person to and processed by an employee at a First  Calculating Average Daily Balance:
 occurrence and up to $35.00 for any additional occurrences in the following six  terms. If we do, we will advise you in writing of the scope and duration of the 
 of goods or services from participating merchants (excluding cash-equivalent  Notice in this Agreement, we may consider the statement correct for all purposes. Tennessee financial center, or other First Tennessee location that accepts  Purchase Balance. To determine this average daily balance, we (a) start with  Liability for Unauthorized Use. You will not be liable for any unauthorized use 
 billing cycles. promotional terms, and your regular terms will resume at the time our offer 
 transactions) and such other charges we designate as Purchases. Making Payments: such payments, by close of business at that location the previous Purchase balance at the beginning of each new billing cycle and  that occurs after you notify us. You may, however, be liable for unauthorized use 
 �  Payments made via First Tennessee�s Banking Online website by 8:00  subtract any unpaid interest charge and unpaid fees which were included in that  Late Payment Fee. If we do not receive at least the minimum payment due on  specifies. Occasionally, you may be contacted about promotions, credit card  that occurs before you notify us.
 Only a payment made by us, at your request via our customer service center or  Effects of Making Minimum Payments. If you make only the minimum payment 
 balance; (b) determine the Purchase balance for each day of the billing cycle  your account by the Payment Due Date shown on your billing statement, we will  enhancements and special products. If you prefer not to receive this information, 
 our website, to transfer all or part of your balance with another creditor to your  each billing period, you will pay more in interest and it will take you longer to pay  p.m. CT VISA SIGNATURE POINTS PROGRAM 
 by subtracting any payments and credits applied to the Purchase balance and  charge you a late payment fee of up to $25.00 for the first occurrence and up to  please write to us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 
 account with us will be considered and treated as a Balance Transfer under this  off your balance. Proper payments received on a day that First Tennessee does not process  Awarding Points. On each monthly billing cycle closing date we will award two 
 by adding new Purchases; and (c) at the end of the billing cycle, add these  $35.00 for any additional occurrences in the following six billing cycles. 38101-1545. Please allow sixty (60) days for your request to take effect.
 Agreement. Your use of a check used to access your account for any purpose is  Application of Payments. We will determine, at our discretion, the amount of  payments or later than the times shown above will be applied the next business  points to your Visa Signature points account for each net dollar in new purchases 
 daily balances and divide the total by the number of days in the billing cycle to 
 not considered a Balance Transfer under this Agreement. Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,  Telephone Monitoring. You consent and agree that we may monitor and record  at merchants classified by Visa as a service station, automated fuel dispenser 
 and order in which minimum payments will be applied to Purchases, Balance  day. Any other payment may not be applied until 5 days after receipt.
 determine the average daily balance for Purchases. We then multiply this average  you will pay our collection costs and attorneys� fees if you default under this  your telephone calls with our employees or contractors. or restaurant and one point to your Visa Signature points account for each net 
 Standard (Variable) Rates. Except as otherwise stated in this �Standard   Transfers, Cash Advances, Interest, Finance Charges and other fees and charges.  Visa Money Transfer. You have the ability to receive a credit transfer to your  daily balance by the monthly periodic rate that applies to Purchases to determine  Agreement. dollar in new purchases at other merchants posted to your Visa Signature card 
 (Variable) Rates� provision or upon amendment of this Agreement, the monthly  If your account has balances with different APRs, we will allocate your minimum  credit card via a Visa Money Transfer under which you or a third party may  the amount of your periodic interest charge on Purchases.
   1  2  3  4  5  6  7
    account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
    to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
    accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
    the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
    privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
                                                                                                                                                                                 While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
    Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
    finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
    not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
    Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
                                                                                                                                              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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
    will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
                                      Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program                     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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
                                                                                                                                              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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
                                                                                                                                              reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                      services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
    expire and be forfeited on the third anniversary of the last day of the calendar                                                                                                                                Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
                                                                                                                                                                                 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 
    year in which awarded. For example, points awarded in January 2015, if not                                                                                                                                        Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    December 31, 2017. If you close your Visa Signature card account, or if we
                                      Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
    redeemed, will expire and be forfeited on December 31, 2018. If you close your                                                                                                � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
    terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
                                      Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
    Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
                                      your privileges to use your credit card account for Purchases, Balance Transfers                        regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
    in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account;                               � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
    forfeited.                                                             �  any transactions involving the account; 
                                       or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
    not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
    Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
                                      acquire any vested right with respect to such points or other program benefits;                          the same way as costs are allocated in arbitration by a single arbitrator. A final 
                                                                          � any interest, fees and other charges to the account;              except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
    Redeeming Points. We contract with an agency to provide Visa Signature                                                                                                                                          Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
                                                                                                                                              same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
    its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
                                      previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
                                                                           to or offered in connection with the account;                                                         If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
                                      cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
                                                                          � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
                                                                                                                                              jurisdiction.                                                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
                                       at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                      at any time, even though such changes may prevent your use of the Points you                            Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
    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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
                                      have accumulated.                                                     consolidated in arbitration with Claims brought by or against someone other than                          Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                                                                                              termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
    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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                       ARBITRATION PROVISION                              All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
                                      ARBITRATION PROVISION                                                                                   the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
    you) for transactions that you conduct through the Agency, whether or not you                                                                                                                                   Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    are redeeming Visa Signature points. You may not use Visa Signature points 
                                       ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
                                      ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION         The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
                                      CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
                                                                                                                                              other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    pay the Agency�s fees. 
    In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                       CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.   the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                      CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT                                            agreement regarding arbitration of Claims must be agreed in writing.
                                                                         liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
    In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
                                      PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                                                                                              Your Billing Rights: Keep this Document for Future Use
    and not in default status according to the terms of this Agreement. In addition,                                                           This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
                                       RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
                                      HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN         agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
                                                                                                                                                                                 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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    you must have the minimum number of points required for redemption as                                                                      Credit Billing Act.
    redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
                                      COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
                                                                         interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act.   merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
                                      WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN   invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
                                       THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
                                      ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL.      under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                                                                                                                                                                                                    Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
                                      FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
                                         AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE       Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                      ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
    redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
                                      BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.                 to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
                                                                                                            Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                      Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as                      Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
                                                                                                            will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
                                      defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be                  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
                                                                                                            this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
                                      by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
                                      so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                      class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
    redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
                                                                                  The party electing arbitration must use the arbitration
                                      transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    for any obligation you owe to us.                                    otherwise stated in this Arbitration Provision. Copies of its current rules,                            If all of the criteria above are met and you are still dissatisfied with the purchase,
    obligation you owe to us.                                                                                                                                                    contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                         administrator shown below and follow its rules and procedures, except as
                                      mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
                                                                         procedures, forms, and related information, including information about how to                          contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
                                      Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
                                                                         file a Claim, may be obtained by contacting the Administrator as follows:                               1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
                                      commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
                                                                                                                                                                                 submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                                                                 the disputed amount as discussed above.
    flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
                                      Act (the FAA). Arbitration Act (the FAA).   American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                                                                 disputed amount as discussed above. 
    selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                      Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
    airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
    airlines, and issuing and delivering tickets you have purchased. The Agency     Case Filing Services    federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                      following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
    report to us the points you have redeemed, and we will subtract them from your                                                                                                                                    Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
    will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043                                            think you owe an amount and you do not pay, we may report you as delinquent.
                                                                                                            to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
                                      First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
    Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
                                      Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
    services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
                                      affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
    Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
                                       and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                                                                                                                                                                                                    BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
                   8                                                     9             10                                11                                 12                   M-118799 
                   8                                 9                                  10                                11                                 12                                13        Rev. 05/16
                                                                                                                                                                                                13
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
                                                                                                                                              While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
                                                                                                           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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
    Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program                    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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
                                                                                                           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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
                                                                                                           reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
    services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar                                                                                                Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
                                                                                                                                              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 
 year in which awarded. For example, points awarded in January 2015, if not                                                                                                         Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
    Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your                                                                � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
    Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
    your privileges to use your credit card account for Purchases, Balance Transfers                       regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.                             �  any transactions involving the account; 
    or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
    acquire any vested right with respect to such points or other program benefits;                         the same way as costs are allocated in arbitration by a single arbitrator. A final 
                                        � any interest, fees and other charges to the account;             except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature                                                                                                          Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
                                                                                                           same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
    previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
                                         to or offered in connection with the account;                                                         If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
    cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
                                        � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
                                                                                                           jurisdiction.                                                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
    at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    at any time, even though such changes may prevent your use of the Points you                           Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
    have accumulated.                                                    consolidated in arbitration with Claims brought by or against someone other than                           Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                                                           termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    ARBITRATION PROVISION                               All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
    ARBITRATION PROVISION                                                                                  the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you                                                                                                   Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
    ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
    ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION         The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
    CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
                                                                                                           other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.   the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
    CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT                                           agreement regarding arbitration of Claims must be agreed in writing.
                                       liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
    PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                                                           Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,                           This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
    RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
    HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN        agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
                                                                                                                                              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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as                                      Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
    COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
                                       interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act.  merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
    WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN  invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
    THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
    ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL.     under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                                                                                                                                                                 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
    FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
      AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE       Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
    BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.                to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
                                                                         Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
    Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as                     Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
                                                                         will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
    defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be                 Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
                                                                         this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
    by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
    so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
                                               The party electing arbitration must use the arbitration
    transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.     otherwise stated in this Arbitration Provision. Copies of its current rules,                           If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.                                                                                                                     contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                       administrator shown below and follow its rules and procedures, except as
    mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
                                       procedures, forms, and related information, including information about how to                         contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
    Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
                                       file a Claim, may be obtained by contacting the Administrator as follows:                              1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
    commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
                                                                                                                                              submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                               the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
    Act (the FAA). Arbitration Act (the FAA).   American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                              disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your                                                                                                     Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043            think you owe an amount and you do not pay, we may report you as delinquent.
                                                                         to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
    First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
    Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
    affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
    and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                                                                                                                                                                 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10                            11                                 12                   M-118799 
   8               9                                 10                                 11                                12                                 13        Rev. 05/16
                                                                                                                                                             13
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
                                                                                                            While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
                                                                         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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
 Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program 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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
                                                                         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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
                                                                         reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar                                                              Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
                                                                                                            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 
 year in which awarded. For example, points awarded in January 2015, if not                                                                      Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
 Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your                              � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
 Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
 your privileges to use your credit card account for Purchases, Balance Transfers regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.  �  any transactions involving the account; 
 or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 acquire any vested right with respect to such points or other program benefits; the same way as costs are allocated in arbitration by a single arbitrator. A final 
     � any interest, fees and other charges to the account;              except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature                                                                        Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
                                                                         same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
 previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
      to or offered in connection with the account;                                                         If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
 cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
     � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
                                                                         jurisdiction.                                                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
 at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 at any time, even though such changes may prevent your use of the Points you  Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
 have accumulated.                    consolidated in arbitration with Claims brought by or against someone other than                           Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                         termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 ARBITRATION PROVISION All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
 ARBITRATION PROVISION                                                   the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you                                                                 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
 ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
 CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
                                                                         other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.  the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT            agreement regarding arbitration of Claims must be agreed in writing.
    liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
 PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                         Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,  This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
 RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
 HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
                                                                                                            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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as   Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
 COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
    interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act.   merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
 WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
 THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
 ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                                                                                                                               Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
 FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
 AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
 BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.  to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
                                      Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
                                      will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
 defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
                                      this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
 by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
 so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
             The party electing arbitration must use the arbitration
 transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.  otherwise stated in this Arbitration Provision. Copies of its current rules,  If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.                                                                                  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    administrator shown below and follow its rules and procedures, except as
 mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
    procedures, forms, and related information, including information about how to                          contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
 Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
    file a Claim, may be obtained by contacting the Administrator as follows:                               1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
 commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
                                                                                                            submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                            the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
 Act (the FAA). Arbitration Act (the FAA).  American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                            disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your                                                                  Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043 think you owe an amount and you do not pay, we may report you as delinquent.
                                      to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
 First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
 Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
 affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                                                                                                                               BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10 11                         12                   M-118799 
   8  9            10                                11                                 12                                13        Rev. 05/16
                                                                                                                          13
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
                                                                         While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
                                      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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
 Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program 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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
                                      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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
                                      reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar                           Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
                                                                         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 
 year in which awarded. For example, points awarded in January 2015, if not                                    Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
 Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your  � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
 Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
 your privileges to use your credit card account for Purchases, Balance Transfers regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.  �  any transactions involving the account; 
 or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 acquire any vested right with respect to such points or other program benefits; the same way as costs are allocated in arbitration by a single arbitrator. A final 
 � any interest, fees and other charges to the account; except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature                                     Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
                                      same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
 previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
 to or offered in connection with the account;                           If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
 cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
 � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
                                      jurisdiction.                                                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
 at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 at any time, even though such changes may prevent your use of the Points you  Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
 have accumulated. consolidated in arbitration with Claims brought by or against someone other than            Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                      termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 ARBITRATION PROVISION All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
 ARBITRATION PROVISION                the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you                              Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
 ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
 CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
                                      other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.  the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT agreement regarding arbitration of Claims must be agreed in writing.
 liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
 PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                      Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,  This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
 RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
 HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
                                                                         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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as  Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
 COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
 interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act. merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
 WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
 THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
 ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                                                                                            Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
 FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
 AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
 BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.  to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
    Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
    will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
 defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
    this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
 by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
 so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
 The party electing arbitration must use the arbitration
 transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.  otherwise stated in this Arbitration Provision. Copies of its current rules,  If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.                                               contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 administrator shown below and follow its rules and procedures, except as
 mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
 procedures, forms, and related information, including information about how to  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
 Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
 file a Claim, may be obtained by contacting the Administrator as follows:  1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
 commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
                                                                         submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                         the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
 Act (the FAA). Arbitration Act (the FAA).  American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                         disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your                                Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043 think you owe an amount and you do not pay, we may report you as delinquent.
    to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
 First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
 Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
 affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                                                                                            BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10 11 12        M-118799 
   8  9  10       11                                 12                                13        Rev. 05/16
                                                                                        13
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
                                      While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
   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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
 Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program 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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
   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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
   reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar  Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
                                      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 
 year in which awarded. For example, points awarded in January 2015, if not  Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
 Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your  � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
 Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
 your privileges to use your credit card account for Purchases, Balance Transfers regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.  �  any transactions involving the account; 
 or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 acquire any vested right with respect to such points or other program benefits; the same way as costs are allocated in arbitration by a single arbitrator. A final 
 � any interest, fees and other charges to the account; except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature  Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
   same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
 previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
 to or offered in connection with the account; If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
 cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
 � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
   jurisdiction.                                                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
 at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 at any time, even though such changes may prevent your use of the Points you  Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
 have accumulated. consolidated in arbitration with Claims brought by or against someone other than Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 ARBITRATION PROVISION All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
 ARBITRATION PROVISION the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you  Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
 ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
 CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
   other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.  the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT agreement regarding arbitration of Claims must be agreed in writing.
 liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
 PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,  This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
 RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
 HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
                                      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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as  Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
 COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
 interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act. merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
 WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
 THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
 ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                                                         Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
 FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
 AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
 BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.  to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
 Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
 will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
 defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
 this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
 by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
 so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
 The party electing arbitration must use the arbitration
 transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.  otherwise stated in this Arbitration Provision. Copies of its current rules,  If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.             contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 administrator shown below and follow its rules and procedures, except as
 mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
 procedures, forms, and related information, including information about how to  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
 Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
 file a Claim, may be obtained by contacting the Administrator as follows:  1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
 commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
                                      submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                       the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
 Act (the FAA). Arbitration Act (the FAA).  American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                      disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your  Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043 think you owe an amount and you do not pay, we may report you as delinquent.
 to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
 First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
 Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
 affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                                                         BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10 11 12 M-118799 
   8  9  10  11    12                                13        Rev. 05/16
                                                     13
 account during that monthly billing period. However, we reserve the right NOT  Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit Agency concerning your Visa Signature points balance and credit card account.  assigns. The words you, your, and yours refer to any Consumer applicant, co- co�applicant, authorized user of the account, or legal representative of any  Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we  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  2. Within 90 days of receiving your letter, we must either correct the error or  letter. We will also tell you if we have already corrected the error. �
 to award points or allow redemption of points if you are in default under any of  If you have obtained any travel services by redeeming travel points exceeding  of the foregoing, and anyone claiming through such person or incident to the  may ask an appropriate court to compel arbitration, or stay litigation pending  will use reasonable efforts to protect confidential information if requested to do  explain to you why we believe the bill is correct.  FIRST TENNESSEE VISA  SIGNATURE
 accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or
 the terms of this Agreement or if we have terminated or suspended your credit  Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the your available point balance, no matter the cause, we will charge the equivalent  foregoing, and anyone claiming through such person or incident to the account.. account.. The word �Consumer� means a natural person who holds an account  arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party  will use reasonable efforts to protect confidential information if requested to do so so by any party. The arbitrator will make any award in writing and, upon a timely  While we investigate whether or not there has been an error:  explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 privileges in accordance with this Agreement or applicable law. Cash Advances,  charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card dollar value of the over-redeemed points to your Visa Signature card account as  The word �Consumer� means a natural person who holds an account primarily primarily for personal, family or household purposes. The word Claim means  who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory  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. 
    While we investigate whether or not there has been an error: � We cannot try to collect the amount in question, or report you as  and Disclosures Under The Federal Truth In Lending Act
 Balance Transfers, convenience checks, debit transactions initiated by us,  failure to enforce these conditions at any time and for any period of time will account as a purchase.  a purchase.  for personal, family or household purposes. The word Claim means any claim, any claim, controversy, or dispute of any kind arising from or relating to the  arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by  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  � We cannot try to collect the amount in question, or report you as delinquent delinquent on that amount. 
 finance charges and fees charged to your account are not eligible for points.  account or any relationship arising from or related to the account. The word  any other party. Delay in exercising these rights shall not waive such rights.  Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 not waive our right to enforce them at a later time nor require fur ther notice Program  Program Restrictions and Other Considerations. Certain restrictions and  Restrictions  and  Other  Considerations. Certain  restrictions  and controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. arbitrator and any administrative fees charged by the Administrator according to  You and we will be responsible for paying the fees of the � The charge in question may remain on your statement, and we may  on that amount. Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 Our failure to enforce these conditions at any time and for any period of time  to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to  relationship arising from or related to the account. The word Claim includes, but Claim includes, but is not limited to, any claim, controversy or dispute involving  Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not 
 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  � The  charge  in  question  may  remain  on  your  statement,  and  we  may continue to charge you interest on that amount.  Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 will not waive our right to enforce them at a later time nor require further notice  account for each dollar in returned purchase credits. P oints m ay be the Visa Signature Guidelines at www.firsttennessee.com for the current program  is not limited to, any claim, controversy or dispute involving one or more of the one or more of the following:  waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim. If the 
 Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program 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  �  continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible  Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 to you before we enforce them. We will subtract one point from your account  accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines  following: � the formation, application, enforceability, or interpretation of this  Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall 
 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  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 for each dollar in returned purchase credits. Points may be accumulated from  Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel include: Point Redemption Terms, Points, Redemptions, Tickets and Fees. All  � the formation, application, enforceability, or interpretation of this Arbitration Arbitration Provision or other part of the Agreement;  have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the 
 reason to do so, and we will pay any fees and costs, which we are required to pay pay by law or by the rules and procedures of the Administrator. In addition, in  �  for the remainder of your balance. We can apply any unpaid amount against your credit limit.  Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 month to month and year to year, for three years. Unless redeemed, points will  the last day of the calendar year in which awarded. For example, points travel services are subject to availability; you may not be able to obtain travel  Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies.  the event that you receive an arbitration award that is greater than our last written  Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 services are subject to availability; you may not be able to obtain travel services �  any advertisements, solicitations, disclosures or other communications  Provision or other part of the Agreement; by law or by the rules and procedures of the Administrator.  In addition, in the event After we finish our investigation, one of two things will happen:  � We can apply any unpaid amount against your credit limit.
 expire and be forfeited on the third anniversary of the last day of the calendar  Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  services for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications relating to the account, whether made before or after the account was  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)  that you receive an arbitration award that is greater than our last written settlement settlement offer, the arbitrator shall have the discretion to require us to pay your 
    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 
 year in which awarded. For example, points awarded in January 2015, if not  Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 December 31, 2017. If you close your Visa Signature card account, or if we
 Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature  We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was opened;  waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to  offer, the arbitrator shall have the discretion to require us to pay your attorneys� attorneys� fees and costs. Otherwise, each party will bear its own attorneys� fees 
 redeemed, will expire and be forfeited on December 31, 2018. If you close your  � 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.  Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 terminate or suspend your credit privileges in accordance with this Agreement Points Program at any time without cause, without notice and without affecting  opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims. No Claim submitted to arbitration is heard  fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, and costs, regardless of who prevails. 
 Points Program at any time without cause, without notice and without affecting �  the opening, administration and termination of the account;  �  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  New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Visa Signature card account, or if we terminate or suspend your credit privileges  or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be your privileges to use your credit card account for Purchases, Balance Transfers  by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. 
 your privileges to use your credit card account for Purchases, Balance Transfers regardless of who prevails. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, 
 in accordance with this Agreement or applicable law, then all accumulated points  � the opening, administration and termination of the account; � If we do not believe there was a mistake: You will have to pay the amount in in question, along with applicable interest and fees. We will send you a  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 forfeited.  �  any transactions involving the account; 
 or Cash Advances under this Agreement. By accumulating Points, you do not  You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a  except for any right of appeal provided by the FAA. Costs will be allocated in  statement of the amount you owe and the date payment is due. We may  Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 not yet redeemed will be forfeited.  or Cash Advances under this Agreement. By accumulating Points, you do not � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a
 Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits;  �  any interest, fees and other charges to the account;  member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member of a class of claimants with respect to any Claim submitted to arbitration  Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 acquire any vested right with respect to such points or other program benefits; the same way as costs are allocated in arbitration by a single arbitrator. A final 
 � any interest, fees and other charges to the account; except for any right of appeal provided by the FAA. Costs will be allocated in the 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 
 Redeeming Points. We contract with an agency to provide Visa Signature  Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any  �  any products or services (whether provided by us or a third party) related  arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be (Class Action Waiver). Any Claim resolved by arbitration shall be arbitrated on an 
 same way as costs are allocated in arbitration by a single arbitrator. A final and and binding award is subject to judicial review only as provided by the FAA.  then report you as delinquent if you do not pay the amount we think you owe.  Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 services. You authorize us to share information concerning your account with the  � any products or services (whether provided by us or a third party) related
 its employees and representatives (collectively, the  �Agency�), including but  to or offered in connection with the account;  arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority individual basis by a single arbitrator. The arbitrator�s authority to resolve Claims 
 previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may  binding award is subject to judicial review only as provided by the FAA. An An arbitration award will be enforceable under the FAA by any court having 
 to or offered in connection with the account; If you receive our explanation but still believe your bill is wrong, you must write  owe. Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 agency, its employees and representatives (collectively, the �Agency�), including  not limited to any and all information reflected on your Visa Signature card is limited to Claims between you and us alone, and the arbitrator�s authority to 
 cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel or change program benefits, redemption levels, conditions for your  to resolve Claims is limited to Claims between you and us alone, and the
 � any use or disclosure of information about you or the account; �  any use or disclosure of information about you or the account;  arbitration  jurisdiction.  award  will  be  enforceable  under  the  FAA  by  any  court  having If you receive our explanation but still believe your bill is wrong, you must write to to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  Foreig n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 but not limited to any and all information reflected on your Visa Signature  account statement and recent transactions on your Visa Signature card account.  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, make awards is limited to you and us alone. Furthermore, Claims brought by you 
 jurisdiction.                         Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 card account statement and recent transactions on your Visa Signature card  This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship �  any other matters relating to the account or your credit card relationship  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i)  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. 
 at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or against us or by us against you may not be joined or consolidated in arbitration  Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 at any time, even though such changes may prevent your use of the Points you  Survival  of  Arbitration  Provision. termination or changes in the Agreement and/or related agreements or programs,  This  Arbitration  Provision  shall  survive:  (i) 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, 
 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 have accumulated.  with us. with us. with Claims brought by or against someone other than you, unless otherwise 
 have accumulated. consolidated in arbitration with Claims brought by or against someone other than Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 termination or changes in the Agreement and/or related agreements or programs, the account, and the relationship between you and us concerning the account  We must tell you the name of anyone to whom we reported you as delinquent, and and we must let those organizations know when the matter has been settled 
 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 All  Claims  Subject  to  Arbitration  Provision. All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration  agreed to in writing by all parties.  Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 ARBITRATION PROVISION All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties.
 ARBITRATION PROVISION the account, and the relationship between you and us concerning the account and and related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment  we must let those organizations know when the matter has been settled between between us. If we do not follow all of the rules above, you do not have to pay the 
 you) for transactions that you conduct through the Agency, whether or not you  Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points 
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Provision, regardless of whether the Claim: (i) previously existed, is now existing  Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class 
 ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or or other transfer of the account, or any amounts owed on the account. Any  us. If we do not follow all of the rules above, you do not have to pay the first $50 first $50 of the amount you question even if your bill is correct.  Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 are redeeming Visa Signature points. You may not use Visa Signature points to  to pay the Agency�s fees. (whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
 CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER  now existing (whether discovered or undiscovered) or arises later; (ii) is based Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between 
 other transfer of the account, or any amounts owed on the account. Any different different agreement regarding arbitration of Claims must be agreed in writing.  of the amount you question even if your bill is correct. Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 pay the Agency�s fees. 
 In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or contract, tort (including intentional tort), negligence, agency or other vicarious  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.  the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision. If the Class Action  Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 CLAIMS  (SUBJECT  TO  SOME  EXCEPTIONS),  INSTEAD  OF  COURT agreement regarding arbitration of Claims must be agreed in writing.
 liability, fraud, statute, regulation, constitution, or any other source of law or  Your Billing Rights: Keep this Document for Future Use  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 
 In order to redeem points, your Visa Signature card account must be open, active  active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other
 PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE  Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Waiver is limited, voided or found unenforceable, then the parties� agreement to  Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Your Billing Rights: Keep this Document for Future Use
 and not in default status according to the terms of this Agreement. In addition,  This notice tells you about your rights and our responsibilities under the Fair  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  Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 addition,  you  must  have  the  minimum  number  of  points  required  for equity; (iii) seeks monetary damages, or declaratory, injunctive relief, or other 
 RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO  source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
 HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with arbitrate (except for this sentence) shall be null and void with respect to such 
    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  Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 you must have the minimum number of points required for redemption as  Credit Billing Act.
 redemption as published in the Visa Signature guidelines on our website at remedy or relief; (iv) is asserted as an initial claim, counterclaim, crossclaim, 
 COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE  relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, respect to such proceeding, subject to the right to appeal the limitation or proceeding, subject to the right to appeal the limitation or invalidation of the Class  This notice tells you about your rights and our responsibilities under the Fair
 interpleader action, third-party claim or other action; or (v) is asserted as an  Credit Billing Act. merchant, you may have the right not to pay the remaining amount due on the purchase.  Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 published in the Visa Signature guidelines on our website at www.firsttennessee. www.firsttennessee.com. Our failure to enforce these conditions at any time IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE  crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Action Waiver. The parties acknowledge and agree that under no circumstances 
 WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that What To Do If You Find A Mistake On Your Statement  Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 com. Our failure to enforce these conditions at any time and for any period of  and for any period of time will not waive our right to enforce them at a later time asserted  individual claim or as part of a class action or other representative or collective  purchase.
 THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES  as  an  individual  claim  or  as  part  of  a  class  action  or  other will a class action be arbitrated. If any portion of this Arbitration Provision, other 
 ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this 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  To use this right, all of the following must be true: 
                                       Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 time will not waive our right to enforce them at a later time nor require further  nor require further notice to you before we enforce them. Subject to those action. (Any Claim asserted as part of a class action or other representative or  To use this right, all of the following must be true:
 FEES  OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT  representative or collective action. (Any Claim asserted as part of a class action
 AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, than the Class Action Waiver, cannot be enforced, that portion will be severed,  If you think there is an error on your statement, write to us at: BankCard Center, Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also go to www. 1  The purchase must have been made in your home state or within 100 miles  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 notice to you before we enforce them. Subject to those conditions, you may  conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an collective action shall proceed in arbitration on an individual basis as set forth  and the rest of the Arbitration Provision will continue to apply.  Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS  that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  firsttennessee.com and submit a transaction dispute. You will need to give us  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go  to 1. The purchase must have been made in your home state or within 100 miles of of your current mailing address, and the purchase price must have been more 
 redeem your points by calling the Visa Signature Service Center at 1-888-216- Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized below.) Joint Cardholders, applicants and authorized users on a single account or 
 BE BINDING, EXCEPT AS PROVIDED BELOW. PROVIDED BELOW.  to apply. Arbitration Procedures and Law. A single arbitrator chosen by the Administrator  www.firsttennessee.com and submit a transaction dispute. You will need to give the following information:  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  Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 2896. A Visa Signature specialist will verify your available points and eligibility  your available points and eligibility to redeem points in the requested amount. users on a single account or multiple accounts for which the same Cardholders multiple accounts for which the same Cardholders are legally responsible will be 
 Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator  us the following information:  �  Account information: Your name and account number.  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  Default/Enti re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims  Upon the election of either you or us, any Claims (as Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to redeem points in the requested amount. Points may be redeemed according  Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All treated as one person for this purpose. All questions about whether disputes are 
 will resolve Claims pursuant to the rules and procedures of the Administrator and and this Arbitration Provision. This Arbitration Provision will govern in the event  � �  Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.  an advertisement we mailed to you, or if we own the company that sold you the  the goods or services.) 
 defined below), except for Claims filed in a small claims court, may be resolved (as defined below), except for Claims filed in a small claims court, may be  Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 to the Visa Signature Point Redemption Terms published in the current Visa  Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by subject to arbitration shall be resolved by interpreting this arbitration provision in 
 this Arbitration Provision. This Arbitration Provision will govern in the event of of conflict with the Administrator�s rules and procedures. Discovery procedures  � �  Dollar amount: The dollar amount of the suspected error. Description of problem: If you think there is an error on your bill, describe 
 by mandatory, binding arbitration. The small claims court exclusion applies only resolved by mandatory, binding arbitration. The small claims court exclusion  2  goods or services.) You must have used your credit card for the purchase.  Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Signature guidelines. Visa Signature points may be redeemed only through the  Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to the broadest way the law will allow it to be enforced. 
 so long as the dispute remains in the small claims court and is an individual (non- applies only so long as the dispute remains in the small claims court and is  conflict with the Administrator�s rules and procedures. Discovery procedures available to parties will be limited by the Administrator�s rules and procedures.  � 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. 2. You must have used your credit card for the purchase.  3  You must not yet have fully paid for the purchase. Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 Agency designated by us. Visa Signature points have no cash value. They are not  us. Visa Signature points have no cash value. They are not redeemable for be enforced. Initiation of Arbitration. The party electing arbitration must use the arbitration  what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 class, non-representative) Claim. If a Claim asserted in small claims court is an individual (non�class, non-representative) Claim. If a Claim asserted in  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  You must contact us:  3. You must not yet have fully paid for the purchase.
 redeemable for cash, cannot be bought or sold, nor can they be used as payment  cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. administrator shown below and follow its rules and procedures, except as  If all of the criteria above are met and you are still dissatisfied with the purchase, 
 The party electing arbitration must use the arbitration
 transferred or appealed to a different court, either you or we may then elect small claims court is transferred or appealed to a different court, either you or  The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and honor legally recognized claims of privilege.  You must contact us: �  Within 60 days after the error appeared on your statement.  Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 for any obligation you owe to us.  otherwise stated in this Arbitration Provision. Copies of its current rules,  If all of the criteria above are met and you are still dissatisfied with the purchase,
 obligation you owe to us.  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 administrator shown below and follow its rules and procedures, except as
 mandatory,  we may then elect mandatory, binding arbitration pursuant to this Arbitration  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 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  � �  Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if 
 procedures, forms, and related information, including information about how to  contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- 1545. You may also contact us by going to www.firsttennessee.com and  Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Provision of Travel Services. The Agency will provide travel agency services  Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
 Arbitration  Provision. This Arbitration Provision is made pursuant to a transaction involving  Provision  is  made  pursuant  to  a  transaction  involving  interstate 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  � At least 3 business days before an automated payment is scheduled, if you you want to stop payment on the amount you think is wrong.
 file a Claim, may be obtained by contacting the Administrator as follows:  1545.  submitting a transaction dispute. While we investigate, the same rules apply to  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 directly to Visa Signature cardholders. Those services include describing the  directly to Visa Signature cardholders. Those services include describing the interstate commerce and shall be governed by and enforceable under the Federal  procedures, forms, and related information, including information about how to
 commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of of this Agreement, but only with respect to the named parties and the Claims  You must notify us of any potential errors in writing (or electronically). You may  want to stop payment on the amount you think is wrong.
    submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    the disputed amount as discussed above.
 flights available for the amount of points you are redeeming, assisting in ticket  flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows:
 Act (the FAA). Arbitration Act (the FAA).  American Arbitration Association this Agreement, but only with respect to the named parties and the Claims being being arbitrated. The arbitrator and this Arbitration Provision will not be subject  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  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
    disputed amount as discussed above. 
 selection, making reservations for available flights offered by participating  selection, making reservations for available flights offered by participating American Arbitration Association Case Filing Services arbitrated.  The arbitrator and this Arbitration Provision will not be subject to to federal, state, or local rules of procedure and evidence applicable to lawsuits  After we finish our investigation, we will tell you our decision. At that point, if we  Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the  As used in this Arbitration Provision, the 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. 
 airlines, and issuing and delivering tickets you have purchased. The Agency will  1101 Laurel Oak Road, Suite 100 or to state or local laws relating to arbitration. Either party may choose to have  After we finish our investigation, we will tell you our decision. At that point, if we
 airlines, and issuing and delivering tickets you have purchased. The Agency Case Filing Services federal, state, or local rules of procedure and evidence applicable to lawsuits or think you owe an amount and you do not pay, we may report you as delinquent.  Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us  you may have to pay the amount in question. What Will Happen After We Receive Your Letter
 report to us the points you have redeemed, and we will subtract them from your  Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 Voorhees, NJ 08043 think you owe an amount and you do not pay, we may report you as delinquent.
 to state or local laws relating to arbitration. Either party may choose to have an an arbitration hearing and to be represented by counsel. An arbitration hearing 
 First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First mean First Tennessee Bank National Association (which also is branded as  What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:  Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
 Visa Signature points balance. We disclaim any responsibility in the provision of  your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Toll free number: 877-495-4185 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may may be conducted by telephone if the parties agree. Any participatory arbitration 
 Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and First Horizon), its parent company, and their direct and indirect subsidiaries  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  Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
 services by the Agency, or for services provided by the airline you have selected.  provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 http://www.adr.org  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 
 affiliates,  together  with  their  employees,  officers,  directors,  successors,  and and affiliates, together with their employees, officers, directors, successors,  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.  Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 Our only responsibility in this regard is to provide correct information to the  have selected. Our only responsibility in this regard is to provide correct http://www.adr.org 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  ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
 and assigns. The words you, your, and yours refer to any Consumer applicant, 
                                       BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
 8                                                     9 10 11 12 M-118799 
   8  9  10  11  12  13     Rev. 05/16
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