CARDHOLDER AGREEMENT 

This Cardholder Agreement is your contract with us and 
governs the use of your credit card and account. The card 
carrier contains important account information, including 
your credit limit.  Please read and keep these documents 
for your records. 

Facts About Rates and Fees 
For  complete  information  about  these  facts,  please  see 
the related sections in this Cardholder Agreement. 

Rates – Finance Charges 

Purchase APRs: 12.99%. 

Cash Advance APR: 18.00%. 

Default  APR:  18.00%.  All  APRs  may  automatically 
increase  up  to  the  Default  APR  if  you  fail  to  make  a 
payment to us when due or make a payment to us that is 
not honored. 

Minimum  Finance  Charge:  No  minimum  finance 
charge. 

Other Fees 

Late  Payment  Fee:  Lesser  of  $15.00  or  5%  of  the 
payment due. 

Over-the-credit-limit Fee: Up to $15.00 if you opt in.  

Annual Fee: No annual fee. 

Returned Payment Fee: $30.00. 

Purchases  Made  in  a  Foreign  Currency  Fee:  1%  of 
each purchase after its conversion into U.S. dollars. 

Cash  Advance  Fee:  2%  of  each  cash  advance,  $2.00 
minimum. 

Rates,  fees,  and  terms  may  change:  We  may  change 
the  rates,  fees,  and  terms  of  your  account  or  freeze  or 
decrease  your  credit  line  at  any  time  for  any  reason. 
These  reasons  may  be  based  on  information  in  your 
credit 
include 
competitive  or  market-related  factors.  If  we  make  a 
change for any of these reasons; you will receive written 
notice before the effective date, if required by law. 

reasons  may  also 

report.  These 

Definitions 
Account:  the  relationship  established  between  you  and 
us by this Cardholder Agreement. 

APR: annual percentage rate. 

Authorized  user:  any  person  you  allow  to  use  your 
account. 

Card:  one  or  more  cards  or  other  account  access 
devices, including account numbers that we issue to you 
to obtain credit under this Cardholder Agreement. 

Cardholder  Agreement 
document and the disclosure table. 

(or  Agreement): 

this 

We, us, and our: First National Bank, Edinburg, Texas, 
the issuer of your account. 

You, your, and yours: the person who applied to open 
the  account  and  any  other  person  responsible  for 
complying with this Agreement, including the person to 
whom we address billing statements. 

Your Account 

You  agree  to  use  your  account  in  accordance  with  this 
Agreement.  This  Agreement  is  binding  on  you  unless 
you  cancel  your  account  within  30  days  after  receiving 
the card and you have not used or authorized use of your 
card.  You  must  pay  us  for  all  amounts  due  on  your 
account  as  specified  in  this  Agreement.  Your  account 
must only be used for lawful transactions. 

Authorized  Users:  You  may  allow  authorized  users  to 
use  your  account.  You  may  request  one  additional  card 
for  an  authorized  user.  You  must  pay  us  for  all  charges 
made by authorized users even if you did not intend to be 
responsible  for  those  charges.  You  must  notify  us  to 
revoke any permission you give to an authorized user to 
use a card or to use your account. 

Revolving  Credit  Line:  Your  initial  revolving  credit 
line  appears  on  your  card  carrier.  The  full  amount  of 
your  revolving  credit  line  is  available  to  buy  or  lease 
goods or services where the card is honored. Part of your 
revolving  credit  line,  called  the  cash  advance  limit,  is 
available  for  cash  advances.  We  may  change  your 
revolving credit line or cash advance limit at any time for 
any reason. We will notify you of any change.  

Billing  Statement:  Your  billing  statement  shows  the 
total  balance,  periodic  finance  charges,  fees,  minimum 
amount  due,  and  payment  due  date.  It  also  shows  your 
current  revolving  credit  line;  an  itemized  list  of  current 
charges, payments and credits; a rate summary; and other 
important  information.  We  deliver  a  statement  to  only  
one  address.  You  must  notify  Customer  Service  of  a 
change in address. If we deem your account uncollectible 
or  institute  collection  proceedings  by  sending  it  to  an 
outside  agency  or  attorney  for  collection,  we  may  stop 
sending  you  statements.  Periodic  finance  charges  and 
fees  continue  to  accrue  even  if  we  stop  sending 
statements. 

The  total  amount  you  owe  us  appears  as  the  New 
Balance on the billing statement. To determine the New 
Balance we begin with the total balance at the start of the 
billing  period.  We  add  any  purchases  or  cash  advances 
and  subtract  any  credits  or  payments  credited  as  of  that 
billing period. We then add any periodic finance charges 
or fees. 

APRs 
Promotional APRs: A promotional APR is an APR less 
than  the  APR  on  your  account.  From  time  to  time  the 
bank  may  offer  a  Promotional  APR.  This  Promotional 
APR will remain in effect until the end of the specified 
period  provided  your  account  remains  in  good  standing 
with this agreement. 

Effect of APR Increases: If an APR increases, periodic 
finance  charges  increase  and  your  minimum  payment 
may increase. 

Default  Rate:  All  your  APRs  may  increase  if  you 
default under any Card Agreement that you have with us 
because  you  fail  to  make  a  payment  to  us  when  due  or 
you  make  a  payment  to  us  that  is  not honored.  In  these 
circumstances,  we  may  automatically  increase  your 
APRs (including any promotional APRs) on all balances 
to the Default APR, which equals 18.00%.   

The Default APR takes effect  60 days after default. We 
will  lower  the  APR  for  new  purchases  and  balance 
transfers  if  you  meet  the  terms  of  all  Card  Agreements 
that you have with us for six consecutive billing periods. 
Existing  balances  remain  subject  to  the  Default  APR 
until paid in full, unless we tell you otherwise. 

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2 

3 

Periodic  Finance  Charges  Application  of  Periodic 
Finance  Charges:    We  will  charge  periodic  Finance 
Charges  on  outstanding  balances  as  described  in  this 
Agreement.  Periodic  Finance  charges  will  be  applied  to 
your Account separately for each billing cycle at a daily 
periodic  rate.  We  calculate  periodic  finance  charges 
separately for each balance subject to different terms, for 
example,  standard  purchases,  standard  cash  advances, 
and  each  promotional  offer.  Your  rates  may  vary.  An 
increase  in  the  variable  APR  for  Purchases  means  you 
will incur a higher Finance Charge and perhaps a higher 
minimum payment due. 

Finance  Charge  Calculation:    The  Finance  Charge  is 
calculated  as  of  the  closing  date  of  a  billing  cycle  by 
multiplying the average daily balance subject to Finance 
Charge times the applicable daily periodic rate, and then 
multiplying  that  amount  by  the  number  of  days  in  the 
billing  cycle.    The  daily  periodic  rate  is  the  applicable 
APR divided by three hundred sixty five (365).   
The  average  daily  balance  subject  to  Finance  Charge  is 
calculated  for  a  billing  cycle  by  adding  together  the 
ending  outstanding  balances  subject  to  Finance  Charge 
for  each  day  included  in  the  billing  cycle,  and  then 
dividing that figure by the number of days in the billing 
cycle.    The  ending  outstanding  balance  subject  to 
Finance  Charge  for  a  day  is  calculated  by  taking  the 
previous  day’s  ending  outstanding  balance  subject  to 
Finance  Charge,  adding  any  new  purchases,  balance 
transfers  and  cash  advances  which  were  posted  to  the 
Account  as  of  that  day,  subtracting  any  portions  of 
payments or credits posted to the Account as of that day 
that  were  allocated  to  purchases,  balance  transfers  and 
cash advances, and making any adjustments.  A negative 
balance will be treated as a zero balance.  

In  calculating  the  average  daily  balance  subject  to 
Finance  Charge  for  a  particular  billing  cycle,  we  will 
exclude new purchases and balance transfers posted as of 
a  day  during  that billing  cycle  (but  we  will  not  exclude 
those  purchases  and  balance  transfers  for  purposes  of 
calculating the average daily balance subject to Finance 
Charge  for  any  subsequent  billing  cycle)  if  you  had  a 
zero  balance  (that  is,  no  credit  outstanding  on  your 
Account) at the beginning of the particular billing cycle, 
or if  you paid the entire  new balance that existed at the 
end of the billing cycle previous to the particular billing 
cycle (as stated on the periodic billing statement for that 
previous  billing  cycle)  in  time  to  be  credited  as  of  the 
Payment  Due  Date  specified  on  the  periodic  billing 
statement for that previous billing cycle. Your Payment  

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Due  Date  for  a  billing  cycle  will  never  be  less  than  25 
days after the last day in that billing cycle.  Otherwise all 
purchases  and  balance  transfers  will  be  included  in  the 
calculation  of  the  average  daily  balance  subject  to 
Finance Charge.  In all cases, cash advances will begin to 
accrue  a  Finance  Charge  from  the  date  as  of  which  the 
cash advance is posted to your Account. A purchase may 
be posted to the Account as of the earlier of (a) the day 
on which the merchant placed the charge on  your Card, 
or  (b)  the  purchase  transaction  occurred.    A  balance 
transfers may be posted to the account as of the date the 
transaction posted. A cash advance may be posted to the 
Account  as  of  the  day  on  which  the  cash  advance 
transaction  occurred.  We  may  use  mathematical 
formulas that produce equivalent results to calculate your 
average  daily  balance  subject  to  Finance  Charge,  your 
periodic  Finance  Charges,  and  related  amounts.    For 
example,  we  may  utilize  computer  programs  or  other 
computational  methods  that  are  designed  to  produce 
mathematically  equivalent  results  while  using  fewer, 
different,  and/or  simpler  computational  steps  than  are 
described in this Agreement.  In  our sole discretion,  we 
may  round  or  truncate  any  figures  used  in  calculating 
periodic  Finance  Charges.    Such  rounding  or  truncation 
may  apply  to  or  cause  variations  in  your  periodic  rates 
and APRs.  

Other Fees 

Purchases Made in a Foreign Currency Fee: For each 
purchase  made  in  a  foreign  currency  we  may  charge  a 
fee  of  1%  of  the  purchase  amount  after  its  conversion 
into U.S. dollars. 

Cash  Advance  Fee:  You  obtain  a  cash  advance  if  you 
obtain  funds  through  an  automated  teller  machine 
(ATM),  convenience  check,  home  banking,  or  financial 
institution;  make  a  wire  transfer;  obtain  a  money  order, 
traveler's  check,  lottery  ticket,  casino  chip,  or  similar 
item;  or  engage  in  a  similar  transaction.  For  each  cash 
advance we may charge a fee of 2% of the amount of the 
cash advance, but not less than $2. 

Late Payment Fee: We may charge a fee whenever you 
have failed to pay a minimum amount due in time to be 
credited  as  of  ten  (10)  days  after  its  payment  due  date. 
This fee is the lesser of $15 or 5% of the payment due. 

Over-the-credit-limit  Fee:  We  may  charge  a  fee  for 
each billing cycle in which your new balance at the close 
of the billing cycle exceeds your credit limit. We may  

5 

impose  this  fee  even  if  we  authorize  a  transaction,  or 
impose a fee or charge, that causes your new balance to 
exceed your credit limit. The fee is up to $15.00. 

Annual Fee: We may charge an annual fee if applicable. 
This fee is non-refundable unless you notify us to cancel 
your  account  within  30  days  of  the  mailing  or  delivery 
date of the billing statement on which the fee is billed. 

Returned Item Fee: We may charge a fee of up to $30 
if a payment check, convenience check, balance transfer 
transaction  or  similar  instrument  is  not  honored  or  is 
returned  because  it  cannot  be  processed  or  if  an 
automatic debit is returned unpaid. We assess this fee the 
first time your check or payment is not honored, even if 
it is honored upon resubmission. 

Replacement  Card  Fee:  We  may  charge  a  fee  of  $5 
whenever we issue a replacement for a card that was lost 
or stolen, or change an account number because of a lost 
or stolen card, or the card was damaged. 
Copy  Fee:  We  may  charge  a  fee  of  $5  for  providing 
copies  of  account  statements,  and  other  documents 
unless prohibited by law. 

Stop  Payment  Fee:  We  may  charge  a  fee  of  $30  if  we 
stop payment on a convenience check or balance transfer 
transaction at your request. 

Credit Card Rush Order Fee: We may charge a fee of 
$30 when rush order is requested.  

Pay-by-phone  Fee:  We  may  charge  a  fee  of  $10  if  a 
payment is made over the phone. 

Information on Foreign Currency 
Conversion Procedures 

If  you  make  a  transaction  in  a  foreign  currency  Visa® 
converts  the  amount  into  U.S.  dollars  as  follows:  Visa 
complies with its foreign currency conversion procedures 
then  in  effect.  Visa  currently  uses  a  conversion  rate  in 
effect on its applicable central processing date. Such rate 
is either a rate it selects from the range of rates available 
in wholesale currency markets, which may vary from the 
rate it receives, or the government-mandated rate. 

If a transaction is converted by a third party prior to such 
transaction being processed by Visa, the foreign currency 
conversion  rate  for  that  transaction  will  be  the  rate 
selected by that third party. 

Payments 

Minimum  Amount  Due:  Each  month  you  must  pay  at 
least  the  Minimum  Amount  Due  by  the  payment  due 
date. The sooner you pay the New Balance, the less you 
will pay in periodic finance charges. 

To calculate the Minimum  Amount Due, we begin with 
amount in excess of your revolving credit line. We then 
add  3%  of  the  New  Balance  (which  calculation  is 
rounded  down  to  the  nearest  dollar)  plus  the  amount  of 
your  billed  finance  charges.  The  minimum  payment  is 
rounded  to  the next  highest  whole  dollar  amount.  If  the 
minimum payment calculation results in $20 or less, the 
minimum  payment  will  be  $20.  If  the  New  Balance  is 
$20 or less, the Minimum Amount Due will be the New 
Balance.  In  calculating  the  Minimum  Amount  Due,  we 
will  not  include  any  amount  that  is  related  to  a  charge 
that you are disputing. 

Application  of  Payments:  We  apply  payments  and 
credits  to  low  APR  balances  before  higher  APR 
balances. That means your savings will be reduced if you 
make transactions that are subject to higher APRs. 

in 
Payment  Instructions:  Payments  are  credited 
accordance  with  the  payment  instructions  on  the  billing 
statement.  You  must  pay  us  in  U.S.  dollars  using  a 
check,  similar  instrument,  or  automatic  debit  that  is 
drawn on and honored by a bank in the U.S. Do not send 
cash.  We  can  accept  late  or  partial  payments,  and 
payments  that  reflect  “paid  in  full”  or  other  restrictive 
endorsements, without losing our rights. We reserve the 
right  to  accept  payments  made  in  foreign  currency  and 
instruments  drawn  on  funds  on deposit  outside  the  U.S. 
If  we  do,  we  select  the  currency  conversion  rate  at  our 
discretion  and  credit  your  account  in  U.S.  dollars  after 
deducting  any  costs 
in  processing  your 
incurred 
payment, or we may bill you separately for such costs. 

Credit Reporting 

 The  foreign  currency  conversion  rate  in  effect  on  the 
applicable  processing  date  for  a  transaction  may  differ 
from  the  rate  in  effect  on  the  sale  or  post  date  on  your 
billing statement for that transaction. 

We may report information about your account to credit 
reporting agencies. Late payments, missed payments, or  
other defaults on your account may appear on your credit 
report. If you request cards on your account for others,  

6 

7 

we may report account information in the names of those 
other  people  as  well.  We  may  also  obtain  follow-up 
credit reports on you (for example, when we review your 
account for a revolving credit line increase). If you wish 
to  know  which  agencies  we  contacted,  write  us  at  the 
Customer Service address on the billing statement. If you 
think  we  reported  erroneous  information  to  a  credit 
reporting  agency,  write  us  at  the  Customer  Service 
address  on  the  billing  statement.  We  will  promptly 
investigate the matter and if we agree with you, we will 
contact  each  credit  reporting  agency  to  which  we 
If,  after  our 
request  a  correction. 
reported  and 
investigation,  we  disagree  with  you,  we  will  tell  you  in 
writing  or  by  telephone  and  tell  you  how  to  submit  a 
statement  to  those  agencies  for  inclusion  in  your  credit 
report.                                                                               
Changes To This Agreement 
We  may  change  the  rates,  fees,  and  terms  of  this 
Agreement at any time for any reason. These reasons 
may  be  based  on  information  in  your  credit  report, 
such  as  your  failure  to  make  payments  to  another 
creditor when due, amounts owed to other creditors, 
the  number  of  credit  accounts  outstanding,  or  the 
number  of  credit  inquiries.  These  reasons  may  also 
include  competitive  or  market-related 
factors. 
includes  adding,  replacing,  or 
Changing  terms 
deleting  provisions  relating  to  your  account  and  to 
the nature, extent, and enforcement of the rights and 
obligations  your  or  we  have  relating 
this 
Agreement.  These  changes  are  binding  on  you. 
However,  if  the  change  will  cause  a  fee,  rate  or 
minimum  payment  to  increase,  we  will  mail  you 
written notice at least 30 days before the beginning of 
the  billing  period  in  which  the  change  becomes 
effective. If you do not agree to the change, you must 
notify us in writing within 25 days after the effective 
date of the change and pay us the total balance, either 
at  once  or  under  the  terms  of  the  unchanged 
Agreement.   Unless  we  notify  you  otherwise,  use  of 
the card after the effective date of the change shall be 
deemed  acceptance  of  the  new  terms,  even  if  the  25 
days have not expired. 

to 

Default 

You  default  under  this  agreement  if  you  fail  to  pay  the 
Minimum  Amount  Due  by  its  date;  pay  by  a  check  or 
similar  instrument  that  is  not  honored  or  that  we  must 
return because it cannot be processed; pay by automatic 
debit  that  is  returned  unpaid;  file  for  bankruptcy;  or 
default under any other Card Agreement that you have  

8 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
with  us.  If  you  default,  we  may  close  your  account  and 
demand  immediate  payment  of  the  total balance.  If  you 
gave us a security interest  in a Certificate of Deposit or 
Savings Account, we may use the deposit amount to pay 
any amount you owe. 

liable 

Refusal  of  the  Card,  Closed  Accounts,  and  Related 
Provisions  Refusal  of  the  Card:  We  do  not  guarantee 
approval  of 
for 
transactions  and  are  not 
transactions  that  are  not  approved,  either  by  us  or  by  a 
third  party,  even  if  you  have  sufficient  credit  available. 
We  may  limit  the  number  of  transactions  that  may  be 
approved in one day. If we detect unusual or suspicious 
activity, we may suspend your credit privileges until we 
can verify the activity. All internet gambling transactions 
will  be  declined.  We  may  also  block  certain  merchants, 
merchant  groups,  countries  or  other  organizations  if 
deemed necessary for security reasons.  

Preauthorized  Charges:  If  you  default,  if  the  card  is 
lost or stolen, or we change your account for any reason,  
we  may  suspend  automatic  charges  with  third  party 
vendors. If preauthorized charges are suspended, you are 
responsible  for  making  direct  payment  for  such  charges 
until  you  contact  the  third  party  to,  reinstate  the 
automatic charges. 

Lost  or  Stolen  Cards,  Account  Numbers,  or 
Convenience  and  Balance  Transfer  Checks:  If  any 
card, account number, or check is lost or stolen or if you 
them  without 
think  someone  used  or  may  use 
permission,  call  us  at  the  Customer  Service  number  on 
the  billing  statement  or  the  back  of  the  card.  We  may 
require  you  to  provide  certain  information  in  writing  to 
help us find out what happened and to comply with our 
investigation.  You  must  identify  for  us  the  charges  that 
were  not  made  by  you,  or  someone  authorized  by  you, 
and from which you received no benefit. 

Closing Your Account: You may close your account by 
notifying  us  in  writing  or  by  calling  toll-free  at  the 
Customer Service number shown on the billing statement 
or  on  the  back  of  your  credit  card,  but  must  still  repay 
the total balance in accordance with this Agreement. We 
may close your account or suspend account privileges at 
any  time  for  any  reason  without  prior  notice.  We  may 
also reissue a different card at any time. You must return  
any card to us upon request. 

Security  Interest  for  Secured  Accounts:  If  your 
account is a secured account, you gave us a security  

interest in a Certificate of Deposit or savings account to 
secure repayment of your account. If you withdraw your 
funds from the Certificate of Deposit or savings account, 
we will close your account.                                              

Arbitration 

ARBITRATION. 

PLEASE  READ  THIS  PROVISION  OF  THE 
AGREEMENT  CAREFULLY. 
IT  PROVIDES 
THAT  ANY  DISPUTE  MAY  BE  RESOLVED  BY 
BINDING 
ARBITRATION 
REPLACES  THE  RIGHT  TO  GO  TO  COURT, 
INCLUDING  THE  RIGHT  TO  A  JURY  AND  THE 
RIGHT  TO  PARTICIPATE  IN  A  CLASS  ACTION 
OR  SIMILAR  PROCEEDING.  IN  ARBITRATION, 
A DISPUTE IS RESOLVED BY AN ARBITRATOR 
JURY. 
INSTEAD  OF 
ARBITRATION  PROCEDURES  ARE  SIMPLER 
AND  MORE 
THAN  COURT 
PROCEDURES. 

JUDGE  OR 

LIMITED 

A 

Agreement  to  Arbitrate:  Either    you  or  we  may, 
without  the  other's  consent,  elect  mandatory,  binding 
arbitration  for  any  claim,  dispute,  or  controversy 
between you and us (called “Claims”). 

Claims Covered 

the 

application, 

enforceability, 

What  Claims  are  subject  to  arbitration?  All  Claims 
relating  to  your  account,  a  prior  related  account,  or  our 
relationship  are  subject  to  arbitration,  including  Claims 
regarding 
or 
interpretation  of  this  Agreement  and  this  arbitration 
provision. All Claims are subject to arbitration, no matter 
what  legal  theory  they  are  based  on  or  what  remedy 
(damages,  or  injunctive  or  declaratory  relief)  they  seek. 
This  includes  Claims  based  on  contract,  tort  (including 
intentional  tort),  fraud,  agency,  your  or  our  negligence, 
statutory  or  regulatory  provisions,  or  any  other  sources 
of  law;  Claims  made  as  counterclaims,  cross-claims, 
interpleaders  or  otherwise;  and 
third-party  claims, 
Claims made independently or with other claims. A party 
who initiates a proceeding in court may elect arbitration 
with  respect  to  any  Claim  advanced  in  that  proceeding 
by  any  other  party.  Claims  and  remedies  sought  as  part 
of  a  class  action,  private  attorney  general  or  other 
representative  action  are  subject  to  arbitration  on  an 
individual  (non-class,  non-representative)  basis,  and  the 
arbitrator  may  award  relief  only  on  an  individual  (non-
class, non-representative) basis. 

Whose  Claims  are  subject  to  arbitration?  Not  only 
ours  and  yours,  but  also  Claims  made  by  or  against 
anyone connected with us or you or claiming through us 
or you, such as a co-applicant or authorized user of your 
account,  an  employee,  agent,  representative,  affiliated 
company,  predecessor  or  successor,  heir,  assignee,  or 
trustee in bankruptcy. 

What  time  frame  applies  to  Claims  subject  to 
arbitration?  Claims  arising  in  the  past,  present,  or 
future,  including  Claims  arising  before  the  opening  of 
your account, are subject to arbitration. 

Broadest  interpretation.  Any  questions  about  whether 
Claims  are  subject  to  arbitration  shall  be  resolved  by 
interpreting this arbitration provision in the broadest way 
the  law  will  allow  it  to  be  enforced.  This  arbitration 
provision is governed by the Federal Arbitration Act (the 
“FAA”). 

What  about  Claims  filed  in  Small  Claims  Court? 
Claims  filed  in  a  small  claims  court  are  not  subject  to 
arbitration,  so  long  as  the  matter  remains  in  such  court 
and  advances  only  an 
individual  (non-class,  non-
representative) Claim. 

How  Arbitration  Works  How  does  a  party  initiate 
arbitration? The party filing an arbitration must choose 
one of the following two arbitration firms and follow its 
rules  and  procedures  for  initiating  and  pursuing  an 
arbitration:  American  Arbitration  Association  or 
National Arbitration Forum. Any arbitration hearing that 
you  attend  will  be  held  at  a  place  chosen  by  the 
arbitration  firm  in  the  same  city  as  the  U.S.  District 
Court  closest  to  your  then  current  billing  address,  or  at 
some other place to which you and we agree in writing. 
You may obtain copies of the current rules of each of the 
arbitration firms and forms and instructions for initiating 
an arbitration by contacting them as follows: 

American Arbitration Association 
335 Madison Avenue, Floor 10 
New York, NY 10017-4605 
Website: www.adr.org 

National Arbitration Forum 
P.O. Box 50191 
Minneapolis, MN 55405 
Website: www.arbitration-forum.com 

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At  any  time  you  or  we  may  ask  an  appropriate  court  to 
compel arbitration of Claims, or to stay the litigation of 
Claims pending arbitration, even if such Claims are part 
of a lawsuit, unless a trial has begun or a final judgment 
has  been  entered.  Even  if  a  party  fails  to  exercise  these 
rights  at  any  particular  time,  or  in  connection  with  any 
particular  Claims,  that  party  can  still  require  arbitration 
at a later time or in connection with any other Claims. 

law  are  applicable 

What  procedures  and 
in 
arbitration?    A  single,  neutral  arbitrator  will  resolve 
Claims.  The  arbitrator  will  be  either  a  lawyer  with  at 
least  ten  years  experience  or  a  retired  or  former  judge, 
selected  in  accordance  with  the  rules  of  the  arbitration 
firm. The arbitration will follow procedures and rules of 
the arbitration firm in effect on the date the arbitration is 
filed  unless  those  procedures  and  rules  are  inconsistent 
with this Agreement, in which case this Agreement will 
prevail.  Those  procedures  and  rules  may  limit  the 
discovery available to you or us. The arbitrator will take 
reasonable steps to protect customer account information 
and  other  confidential  information  if  requested  to  do  so 
by  you  or  us.  The  arbitrator  will  apply  applicable 
substantive  law  consistent  with  the  FAA  and  applicable 
statutes  of  limitations,  will  honor  claims  of  privilege 
recognized at law, and will have the power to award to a 
party  any  damages  or  other  relief  provided  for  under 
applicable law. You or we may choose to have a hearing 
and be represented by counsel. The arbitrator will make 
any award in writing and, if requested by you or us, will 
provide  a  brief  statement  of  the  reasons  for  the  award. 
An  award  in  arbitration  shall  determine  the  rights  and 
obligations between the named parties only, and only in 
respect  of  the  Claims  in  arbitration,  and  shall  not  have 
any  bearing  on  the  rights  and  obligations  of  any  other 
person, or on the resolution of any other dispute. 

Who pays? Whoever files the arbitration pays the initial 
filing fee. If we file, we pay; if you file, you pay, unless 
you  get  a  fee  waiver  under  the  applicable  rules  of  the 
arbitration firm. If you have paid the initial filing fee and 
you prevail, we will reimburse you for that fee. If there is 
a  hearing,  we  will  pay  any  fees,  of  the  arbitrator  and 
arbitration firm for the first day of that hearing. All other 
fees  will  be  allocated  as  provided  by  the  rules  of  the 
arbitration  firm  and  applicable  law.  However,  we  will 
advance or reimburse your fees if the arbitration firm or 
arbitrator  determines  there  is  good  reason  for  requiring 
us  to  do  so,  or  if  you  ask  us  and  we  determine  there  is 
good  reason  for  doing  so.  Each  party  will  bear  the 
expense of that party's attorneys, experts, and witnesses,  
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and  other  expenses,  regardless  of  which  party  prevails, 
but a party may recover any or all expenses from another 
party  if  the  arbitrator,  applying  applicable  law,  so 
determines. 

Applicable Law and Enforcing our Rights Applicable 
Law:  The  terms  and  enforcement  of  this  Agreement 
shall  be  governed  by  federal  law  and  the  law  of  Texas, 
where we are located. 

Who  can  be  a  party?  Claims  must  be  brought  in  the 
name of an individual person or entity and must proceed 
on  an  individual  (non-class,  non-representative)  basis. 
The arbitrator will not award relief for or against anyone 
who is not a party. If  you or we require arbitration of a 
Claim, neither you, we, nor any other person may pursue 
the Claim in arbitration as a class action, private attorney 
general  action  or  other  representative  action,  nor  may 
such  Claim  be  pursued  on  your  or  our  behalf  in  any 
litigation  in  any  court.  Claims,  including  assigned 
Claims,  of  two  or  more  persons  may  not  be  joined  or 
same  arbitration.  However, 
consolidated 
applicants,  co-applicants,  authorized  users  on  a  single 
account  and/or  related  accounts,  or  corporate  affiliates 
are here considered as one person. 

the 

in 

When  is  an  arbitration  award  final?  The  arbitrator's 
award  is  final  and  binding  on  the  parties  unless  a  party 
appeals it in writing to the arbitration firm within fifteen 
days  of  notice  of  the  award.  The  appeal  must  request  a 
new arbitration before a panel of three neutral arbitrators  
designated  by  the  same  arbitration  firm.  The  panel  will 
consider  all  factual  and  legal  issues  anew,  follow  the 
same  rules  that  apply  to  a  proceeding  using  a  single 
arbitrator,  and  make  decisions  based  on  the  vote  of  the 
majority.  Costs  will  be  allocated  in  the  same  way  they 
are allocated for arbitration before a single arbitrator. An 
award by a panel is final and binding on the parties after 
fifteen  days  has  passed.  A  final  and  binding  award  is 
subject  to  judicial  review  and  enforcement  as  provided 
by the FAA or other applicable law. 

Survival and Severability of Terms 

in 

the  Agreement, 

the  account,  or 

This arbitration provision shall survive: (i) termination or 
the 
changes 
relationship between you and us concerning the account; 
(ii)  the  bankruptcy  of  any  party;  and  (iii)  any  transfer, 
sale or assignment of your account, or any amounts owed 
on  your  account,  to  any  other  person  or  entity.  If  any 
portion of this arbitration provision is deemed invalid or 
unenforceable,  the  entire  arbitration  provision  shall  not  
remain in force.  No portion of this arbitration provision 
may  be  amended,  severed  or  waived  absent  a  written 
agreement between you and us. 

Enforcing  this  Agreement:  We  can  delay  in  enforcing 
or fail to enforce any of our rights under this Agreement 
without losing them, 

Collection Costs: If we refer collection of your account 
to  a  lawyer  who  is  not  our  salaried  employee,  you  are 
liable  for  any  reasonable  attorney's  fees  we  incur,  plus 
the costs and expenses of any legal action, to the extent 
permitted by law. 

Assignment: We may assign any or all of our rights and 
obligations under this Agreement to a third party. 

For Further Information 

Call  the  toll-free  Customer  Service  telephone  number 
shown  on  the  billing  statement  or  on  the  back  of  your 
card.  You  can  also  call  local  or  toll-free  Directory 
Assistance to get our telephone number. 

First National Bank  
Credit Card Department 
P. O. Box 2049 
Edinburg, TX 78540-2049 

What To Do If There's An Error In Your Bill Your 
Billing Rights. Keep This Notice For Future Use 

This  notice  contains  important  information  about  your 
rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act. 

Notify Us In Case of Errors or  
Questions About Your Bill 

If  you  think  your  billing,  statement  is  wrong,  or  if  you 
need  more  information  about  a  transaction  on  your 
billing  statement,  write  to  us  (on  a  separate  sheet)  as 
soon as possible at the address listed on your statement. 
We  must  hear  from  you  no  later  than  60  days  after  we 
sent  you  the  first  statement  on  which  the  error  or 
problem  appeared.  You  can  telephone  us,  but  doing  so 
will not preserve your rights. 

If we don't follow these rules, we can't collect the first 
$50  of  the  questioned  amount,  even  if  your  billing 
statement was correct. 

Special Rule for Credit Card Purchases. 

If  you  have  a  problem  with  the  quality  of  property  or 
services  that  you  purchased  with  a  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 property or services. There 
are two limitations on this right: 

•  You must have made the purchase in your home state 
or, if not within your home state, within 100 miles of 
your current address; and 

•  The  purchase  price  must  have  been  more  than  $50. 
These  limitations  do  not  apply  if  we  own  or  operate 
the  merchant,  or  if  we  mailed  you  the  advertisement 
for the property or services.      

In your letter, give us the following information: 

•  Your name and account number. 
•  The dollar amount of the suspected error. 
•  Describe the error and explain, if you can, why you 

believe there is an error. If you need more 
information, describe the item you are unsure about. 

•  Please sign your letter. 

If  you  authorized  us  to  pay  your  credit  card  bill 
automatically  from  your  savings  or  checking  account, 
you  can  stop  the  payment  on  any  amount  you  think  is 
wrong. To stop the payment, your letter must reach us at 
least three business days before the automatic payment is 
scheduled to occur. 

Your Rights and Our Responsibilities After 
We Receive Your Written Notice 

We must acknowledge your letter within 30 days, unless 
we have corrected the error by then. Within 90 days, we 
must  either  correct  the  error  or  explain  why  we  believe 
your billing statement was correct. After we receive your 
letter, we cannot try to collect any amount you question, 
or report your account as delinquent. We can continue to 
bill you for the amount you, question, including finance 
charges,  and  we  can  apply  any  unpaid  amount  against 
your credit line. You do not have to pay any questioned 
amount  while  we  are  investigating,  but  you  are  still 
obligated to pay the parts of your balance that are not in 
question.  

If  we  find  that  we  made  a  mistake  on  your  billing 
statement, you will not have to pay any finance charges 
related  to  any  questioned  amount.  If  we  didn't  make  a 
mistake,  you  may have to pay  finance charges, and you 
will  have  to  make  up  any  missed  payments  on  the 
questioned  amount.  In  either  case,  we  will  send  you  a 
statement of the amount you owe and the date it is due. 

If you fail to pay the amount that we think you owe, we 
may  report  you  as  delinquent.  However, 
if  our 
explanation  does  not  satisfy  you  and  you  write  to  us 
within 10 days telling us that you still refuse to pay, we 
must  tell  anyone  we  report  you  to  that  you  have  a 
question about your bill. And, we must tell you the name 
and  address  of  anyone  to  whom  we  reported  your 
account information. We must tell anyone we report you 
to that the matter has been settled between us when it is 
finally settled. 

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Disclosure Table 

Rate, Fee and 
other  Cost 
Information 
Interest Rates and Interest Charges 

FNB Visa 
Signature® Credit 
Card 

Annual 
Percentage 
Rate (APR) for 
Purchases, 
Balance 
Tansfers  

APR for Cash 
Advances 

Penalty APR 
and When it 
Applies 

How to avoid 
paying Interest     
on purchases 

12.99% 
fixed. 

18.00% 

18.00% 
This APR may be 
applied to your 
account if you: 

1)  Make a late 
payment 

2)  Make a 

payment 
that is 
returned 

How Long Will the 
Penalty APR 
Apply?: If your 
APRs are increased 
for any of these 
reasons, the Penalty 
APR will apply until 
you make six 
consecutive 
minimum payments 
when due. 
Your due date is at 
least 25 days after 
the close of each 
billing cycle. We will 
not charge you any 
interest on purchases 
if you pay your entire 
balance by the due 
date each month.                          

For credit card 
tips from the 
Federal Reserve 
Board 

To learn more about 
factors to consider 
when applying for or 
using a credit card, 
visit the website of 
the Federal Reserve 
Board at 
http://www.federal              
reserve.gov/creditcar
d.                          

Fees 

Annual Fee 
Transaction Fees 

• Cash Advance Fee 

• Foreign Transaction 

Penalty Fees 

• Late Payment 

No Annual Fee 

2% of the cash 
advance,  
$2.00 minimum 

1% of each 
transaction in U.S. 
dollars 

Up to $15.00 

• Over-the-credit Limit 

Up to $15.00 

• Returned Payment 

Up to $30.00 

Other Fees 

• Lost / Stolen /   
  Replacement Card  
  Fee 

• Rush Order Fee 

• Copy Fee 

$5.00 

$30.00 

$5.00 

• Pay-by-Phone Fee 

$10.00 

How we will calculate your balance: We use a  
method called “average daily balance (including 
new purchases)” 

The information about the costs of the card described  
in this application is accurate as of January 21, 2011.