W156
            WORLD MASTERCARD
            Cardholder
            Agreement
               and Privacy Policy
                                         2.  YOUR ACCOUNT AND AGREEMENT.   This Cardholder Agreement 
                                         (�Agreement�), the �Summary of Credit Terms� provided (�Credit Terms�), and the ap-
      Cardholder Agreement
                                         plication you signed or otherwise submitted (collectively, the �Cardholder Documents�) 
                                         govern the use of your credit card (�Card�) account (your �Account�). In this Agreement 
      Effective 6/1/2011     NY RESIDENTS: RETAIL INSTALMENT  and in your monthly Periodic Statement, the words �you� and �your� refer to all persons 
                CREDIT AGREEMENT         who applied and were approved for the Account. The words �we,� �us,� and �our� refer to 
                                         First Arkansas Bank & Trust or its assigns.  Your Credit Terms and application are part of 
                                         and incorporated into this Agreement. Your signature (including any electronic or digital 
      TABLE OF CONTENTS:
                                         signature) on your Card, on any application, on any accepted sales slip, or on any other 
                                         document you sign in connection with the use of your Card or your Account is part of 
        1.  Summary of Credit Terms  ............................................... see separate insert
                                         and incorporated into this Agreement. Please read and keep the Cardholder Documents 
                           �Credit Terms and Fees�
                                         for your records. Subject to applicable law, this Agreement may be changed at any time 
        2.  Your Account and Agreement  ..................................................................... 2 beginning twelve (12) months after Account opening in accordance with the �CHANGING 
        3.  Addresses   ................................................................................................. 2 TERMS� Section of this Agreement.  This Agreement also includes an Agreement to 
        4.  Using Your Account   ................................................................................... 2 Arbitrate with a right to reject arbitration.  See �ARBITRATION AGREEMENT� below. The 
        5.  Your Obligation to Pay  ............................................................................... 2 effective date of this Agreement (�Effective Date�) will be the earlier of (i) the date that 
        6.  Your Credit Limit   ....................................................................................... 2 we approve your application or (ii) the ?rst date that we extend credit for a transaction by 
        7.  Your Account Statement  ............................................................................ 3 which you or someone authorized by you uses the account (in NY, the ?rst date that we 
        8.  Interest    .................................................................................................... 3 extend credit for a transaction by which you or someone authorized by you signs a sales 
        9.  Periodic Rate of Interest  ........................................................................... 3 slip or memorandum).
      10.  Balance Subject to Interest Rate  ............................................................... 4
      11.  Fees    ......................................................................................................... 5 3.  ADDRESSES.   Your full name, address, and signature are considered part of 
      12.  Waiver of Security Interest  ....................................................................... 6 this Agreement. For purposes of this Agreement, you agree and represent that you live 
      13.  Collection Costs   ....................................................................................... 6 at the address shown on your application or from time to time designated by you for the 
                                         receipt of billing statements. You agree promptly to notify us of any change in your ad-
      14.  Your Payments   .......................................................................................... 6
                                         dress or any other contact information you provided us on your application or otherwise. 
      15.  Cash Advance   ........................................................................................... 7
                                         Our address is Card Assets LLC, P.O. Box 723847 Atlanta, GA�31139-0847.
      16.  Foreign Currency Transactions  .................................................................. 7
      17.  Authorization of Transactions  .................................................................... 7
                                         4.  USING YOUR ACCOUNT.   When we approve your application and accept 
      18.  Liability for Unauthorized Use  ................................................................... 8
                                         your request to open an Account, we will send you one or more Cards which you can use 
      19.  Assignment   .............................................................................................. 8
                                         to access your Account. You can also access your Account by using checks (�Convenience 
      20.  Closing Your Account   ................................................................................ 8
                                         Checks�) that we may send you in response to your request. If your Account is a joint 
      21.  Other Services   ........................................................................................... 8 Account, each of you may use the credit we provide to you under your Account. Please 
      22.  Special Programs   ...................................................................................... 9 sign the back of the Card immediately upon receipt. You may not use your Card for any 
      23.  Credit Reports and Account Information ..................................................... 9 transaction considered illegal under applicable law. 
      24.  Notice of Inaccurate Information  ................................................................ 9
      25.  Sharing Information   .................................................................................. 9 5.  YOUR OBLIGATION TO PAY.   You agree to be bound by this Agreement. 
      26.  Telephone Monitoring and Recording  ......................................................... 9 You promise to pay all amounts owed to us under the terms of this Agreement as 
      27.  Communicating with You   ........................................................................... 9 amended from time to time. If your Account is a joint Account, all of you are bound by 
      28.  Governing Law   ........................................................................................ 10 this Agreement and each of you jointly and individually promises to pay all amounts owed 
      29.  Changing Terms   ...................................................................................... 10 to us because of Balance Transfers, Purchases or Cash Advances made by a joint Account 
      30.  Your Billing Rights .................................................................................. 10 holder. If you or your joint Account holder permits another person to use your Account, 
      31.  No Waiver by Us  ...................................................................................... 11 you promise to pay amounts owed to us because of Balance Transfers, Purchases or Cash 
      32.  Severability   ............................................................................................. 11 Advances made by that person. You must pay for Balance Transfers, Purchases or Cash 
                                         Advances made by that person whether or not that person exceeded your permission and 
      33.  Entire Agreement   .................................................................................... 11
                                         whether or not you told us that the person was using your Account. If you request that a 
      34.  Arbitration Agreement  ............................................................................. 11
                                         second card be issued to an authorized user, the authorized user will not be considered 
      35.  State Law Notices ................................................................................... 14
                                         a joint obligor and your Account will not be considered a joint Account. If you allow such 
      36.  Privacy Policy   .......................................................................................... 15
                                         a second (authorized user) cardholder to use your Account, you will be liable for all their 
                                         transactions on the Account.
                                         6.  YOUR CREDIT LIMIT.   We will grant you credit, up to a maximum amount 
                                         (your �Credit Limit�), for Balance Transfer, Purchases or Cash Advances obtained by using 
                                         your Card. We will charge the Balance Transfer, Purchase or Cash Advances to your Ac-
                                         count. You may not use your Account for a Balance Transfer, Purchase or Cash Advance if 
                                         your total unpaid balance of Balance Transfers, Purchases, Cash Advances, Interest, and 
                                         Fees (listed herein) will exceed your Credit Limit. We may demand immediate payment of 
                                         any amount in excess of your Credit Limit. We print your Credit Limit on the card carrier 
      [1]        V1.1-08.12    CARDHOLDER AGREEMENT 721-101  43896   [2]
      we send with your card and on your Periodic Statement. Unless we inform you otherwise,  the  on the 14th day (or the next business day if the 14th is not a business day) of the 
      your Cash Advance credit limit will be up to 25% of your total Credit Limit. calendar month preceding the ?rst day of the billing period. If the Prime Rate is no longer 
                                         published, the Bank may choose a similar, alternative published rate. The Bank will 
      7.  YOUR ACCOUNT STATEMENT.   We will send you a Periodic Statement  notify you of such a choice. Different Margins may apply to Balance Transfers, Purchases, 
      for each monthly billing cycle (i) in which the balance of your Account (including unpaid  Cash Advances and to the Penalty Rate. As a result, the Balance Transfer Rate, Purchase 
      Balance Transfers, Purchases, Cash Advances, Interest, and Fees) on the last day of that  Rate, Cash Advance Rate and Penalty Rate may differ.  The Credit Terms also sets forth 
      cycle (the �New Balance�) is more than $1 (debit or credit), (ii) in which we impose Inter- the initial Balance Transfer Rate, the initial Purchase Rate and the initial Cash Advance 
      est, (iii) in which we impose a Fee, (iv) in which there is any other activity on your Account,  Rate that would apply in the absence of an Introductory Rate.  The Margin for Balance 
      or (v) as otherwise required by applicable law. The Periodic Statement shows: (i) the unpaid  Transfers, the Margin for Purchases, the Margin for Cash Advances and the Margin for the 
      balance of your Account at the beginning of the cycle; (ii) your payments or other credits  Penalty Rate are shown on a separate table accompanying the Credit Terms provided. You 
      to your Account during the cycle; (iii) your Balance Transfers, Purchases, Cash Advances,  agree that, upon notice to you in accordance with paragraph 29 herein, we may increase 
      Interest, Fees, and all other debits to your Account during the cycle; (iv) the New Balance;  the Margin for Balance Transfers, Margin for Purchases, Margin for Cash Advances and 
      (v) the minimum payment you must make (the �Minimum Payment Due�) and the date that  the Margin for the Penalty Rate. An increase in the Balance Transfer Rate, Purchase Rate, 
      it is due (the �Payment Due Date�); and (vi) your Credit Limit. We will send the Periodic  Cash Advance Rate and Penalty Rate may occur if (i) the Prime Rate increases or (ii) if 
      Statement to the address speci?ed on the application or designated from time to time by  we increase the applicable Margin, but no APR will exceed the maximum rate permitted 
      any one of you. Each of you appoints the other as his or her agent to designate the address  by applicable law. If the Prime Rate changes during a calendar month, the Balance 
      to which the Periodic Statements and any other notices may be sent by us. Transfer Rate, the Purchase Rate, the Cash Advance Rate and the Penalty Rate will 
                                         change on the ?rst day of the billing cycle beginning in the next calendar month. The new 
      8.  INTEREST.   Interest will be assessed on your Account for each type of balance  Balance Transfer Rate (and corresponding APR) will apply to new Balance Transfers and 
      on your Account. The types of balances you may have include Balance Transfers, Purchases  to the existing Balance Transfer balance on your Account. The new Purchase Rate (and 
      and Cash Advances. We may from time to time offer special terms which may result in  corresponding APR) will apply to new Purchases and to the existing Purchase balance 
      additional types of balances. Finance Charges for each type of balance will be calculated  on your Account. The new Cash Advance Rate (and corresponding APR) will apply to new 
      by multiplying the appropriate Daily Periodic Rate of Interest for the type of balance (see  Cash Advances and to the existing Cash Advance balance on your Account. If your rates 
      paragraphs 9.B and 9.C herein) by the appropriate Average Daily Balance for the type of  increase, the amount of Interest and the Minimum Payment Due may increase. 
      balance (see paragraph 10 herein) and adding any appropriate Cash Advance fee or Balance 
                                          C. PENALTY RATE.   Your account meets the Penalty APR criteria as speci?ed 
      Transfer fee (see paragraphs 10.A and 10.C herein). 
                                         in the Credit Terms provided at the end of a billing cycle, the Penalty Rate may apply to 
                                         the existing balance on your Account and to all new Balance Transfers, Purchases and 
      9.  PERIODIC RATE OF INTEREST.  We calculate a Daily Balance for your 
                                         Cash Advances, as permitted by law. Any Penalty Rate will apply in lieu of the Purchase 
      Account.  We may maintain separate balances for your Purchases and special promotional 
                                         Rate, Balance Transfer Rate or the Cash Advance Rate described in paragraphs 10.A and 
      Purchase balances (each, a �Balance Type�) and calculate a Daily Balance for each.  To 
                                         10.C herein. The Penalty Rate as set forth on the accompanying Credit Terms may vary 
      determine the Daily Balance for a Balance type, each day we take the beginning balance 
                                         based on the Index Rate plus a stated percentage rate (�Penalty Margin�). If your Account 
      for the Balance Type, add any new charges included in that Balance Type, and subtract any 
                                         includes a Penalty Rate, the Penalty Rate is shown on the Credit Terms provided or other 
      payments and credits applied to that Balance Type.  We then multiply the resulting balance 
                                         communication we send to you. 
      by the applicable Daily Periodic Rate.  The resulting daily Interest Charge is included in the 
      beginning balance of that Balance Type for the next day.  Purchases are included in the  D.  MINIMUM INTEREST CHARGE.   A minimum Interest charge as 
      Daily Balance as of the later of the transaction date or the ?rst day of the billing period in  set forth in the Credit Terms will be assessed in any billing cycle in which the �Balance 
      which the Purchase is posted to the Account. We ?gure the Interest Charge on your account  Subject to Interest Rate� is greater than zero unless your Account is also subject to a 
      for each Balance Type by multiplying your Daily Balance of each Balance Type by the ap- Late Payment Fee, as described in paragraph 10.B herein, in the same period.
      plicable Daily Periodic rate for each day in the billing cycle.  At the end of the billing period, 
      we will add up the daily Interest Charges on all Balance Types for each day in the billing  10.  BALANCE SUBJECT TO INTEREST RATE.   We will compute 
      period to get the total Interest charge for the billing period.   Introductory rates, if any and  Interest on your Account by (i) multiplying each of the Average Daily Balances for Balance 
      their duration are also set forth in the provided Credit Terms. Penalty rates, if any, are also  Transfers, Purchases and Cash Advances (as de?ned herein) (including current transac-
      set forth on the Credit Terms      tions) by the appropriate Monthly Periodic Rate and (ii) adding the products together. 
       A.  INTRODUCTORY RATE.  If there is an introductory rate set forth on the   A.  BALANCE TRANSFERS.   We will ?gure the Interest charge on Balance 
      Credit Terms provided, then for the number of billing cycles set forth in the Credit Terms  Transfers by applying the Balance Transfer Rate to the �Average Daily Balance for Balance 
      from the date your Account is opened (�Introductory Period�), the APR for Balance Transfers  Transfers� of your Account. To get the Average Daily Balance for Balance Transfers, we 
      (�Balance Transfer Rate�), the APR for Purchases (�Purchase Rate�) and the APR for Cash  take the beginning balance of your Account for Balance Transfers each day, add any new 
      Advances (�Cash Advance Rate�) will be ?xed at the rate set forth in the Credit Terms  Balance Transfers, and subtract any payments or credits, unpaid Finance Changes on 
      (�Introductory Rate�). Upon expiration of any Introductory Period, your rate will increase to  Balance Transfers or Other Charges. This gives us the daily balance for Balance Transfers. 
      the Balance Transfer Rate, Purchase Rate Cash Advance Rate, or, if triggered, the Penalty  Then we add up all the daily balances for Balance Transfers for the billing period and 
      Rate as set forth in the Credit Terms provided and described herein. divide the total by the number of days in the billing cycle. This gives us the Average Daily 
                                         Balance for Balance Transfers. Interest may begin to accrue on the date the Balance 
       B.  VARIABLE RATE.   If your Account is a variable rate account as indicated on 
                                         Transfer is obtained.
      the Credit Terms provided, then the Balance Transfer Rate, Purchase Rate, Cash Advance 
      Rate and Penalty Rate on your Account may vary from month to month. The Balance  B.  PURCHASES.   We will ?gure the Interest charge on Purchases by applying 
      Transfer Rate, Purchase Rate, Cash Advance Rate  and Penalty Rate will vary based on the  the Purchase Rate to the �Average Daily Balance for Purchases� of your Account. To get 
      Prime Rate (as de?ned herein) plus a stated percentage rate (�Margin�). The �Prime Rate�  the Average Daily Balance for Purchases, we take the beginning balance of your Account 
      is the highest U.S. rate listed in the �Money Rates� section of The Wall Street Journal on  for Purchases each day, add any new Purchases, and subtract any payments or credits, 
      [3]              CARDHOLDER AGREEMENT 721-101  43896           [4]
      unpaid Interest on Purchases or Other Charges. This gives us the daily balance for Pur- E.  COPY FEE.   As permitted by law, we may charge a copy fee for each item 
      chases. Then we add up all the daily balances for Purchases for the billing cycle and divide  that you request (for example, an additional copy of a single statement, check, sales 
      the total by the number of days in the billing cycle. This gives us the Average Daily Balance  draft, etc.) in the amount set forth on the Credit Terms provided. We will not charge this 
      for Purchases. You may have a grace period to repay your balance for Purchases before  fee (or we will reverse it) if your request relates to a billing dispute (provided that you 
      Interest will be imposed (see �Paying Interest� section of your Credit Terms). However,  have followed the procedures for billing disputes described in this Agreement and on the 
      you will only be entitled to the Grace Period if your previous balance is (i) zero, (ii) a credit  reverse of each Periodic Statement).
      balance, or (iii) paid in full by the payment due date shown on your Periodic Statement for 
                                          F.  EXPEDITED PAYMENT SERVICE FEE.   We may offer various ser-
      the previous billing cycle. Otherwise, Interest will accrue on Purchases beginning on the 
                                         vices from time to time that allow you to make expedited payments on your Account over 
      date of Purchase.
                                         the telephone or through the Internet, for which we may charge a fee. The actual amount 
       C.  CASH ADVANCES.   We will ?gure the Interest on Cash Advances by apply- of the fee, if any, applicable to a telephone or online payment you choose to make will be 
      ing the Cash Advance Rate to the �Average Daily Balance for Cash Advances� of your Ac- disclosed to you before you authorize the payment(s) to be made.
      count. To get the Average Daily Balance for Cash Advances, we take the beginning balance 
                                          G.  FOREIGN CURRENCY TRANSACTION FEE.   You may make a 
      of your Account for Cash Advances each day, add any new Cash Advances, and subtract any 
                                         Purchase or obtain a Cash Advance in (i) a foreign country in U.S. dollars or (ii) involving 
      payments or credits, unpaid Interest on Cash Advances or Other Charges. This gives us the 
                                         a foreign currency other than U.S. dollars. If you do, we will assess a Foreign Currency 
      daily balance for Cash Advances. Then we add up all the daily balances for Cash Advances 
                                         Transaction Fee equal to 3% of the transaction amount.
      for the billing period and divide the total by the number of days in the billing cycle. This 
      gives us the Average Daily Balance for Cash Advances. There is no grace period within 
                                         12.  WAIVER OF SECURITY INTEREST.  We will neither take nor retain 
      which you can pay back a Cash Advance and avoid Interest. For Cash Advances obtained by 
                                         a purchase money security interest in any merchandise purchased on your Account. We 
      means of a Convenience Check, Interest may begin to accrue on the date the Convenience 
                                         agree that no security interest is or will be retained or acquired under this Agreement in 
      Check is presented to us or our agent for payment. For all other Cash Advances, Interest 
                                         any real property which is used or is expected to be used as your principal dwelling. Fur-
      may begin to accrue on the date the Cash Advance is obtained.
                                         ther, we hereby waive any and all such security interests that might arise in connection 
                                         with this Agreement (including mechanics� liens, material men�s liens and other similar 
      11.  FEES 
                                         liens that may arise by operation of the law). This waiver does not apply to a lien created 
       A.  MEMBERSHIP or ANNUAL FEES.   The amount of the annual mem- by a court judgment.
      bership fee or annual fee, if any, is set forth in the Credit Terms and Fee Schedule provided. 
      You agree to pay any such fee upon the issuance of a Card and annually thereafter. We  13.   COLLECTION COSTS.   If after your default we refer your Account to an 
      will impose the annual membership fee or annual fee on your ?rst Periodic Statement and  attorney for collection, we may charge you our collection costs, including court costs and 
      thereafter on the anniversary date of your Account until your Account is terminated or  reasonable attorneys� fees, when and as permitted by applicable law.
      cancelled, whether or not you incur any Interest on the Account. The annual membership 
      fee or annual fee is not refundable, except as otherwise required by applicable law. 14.   YOUR PAYMENTS.   Each cycle you must pay the Minimum Payment Due 
                                         shown on your Periodic Statement by the Payment Due Date. If you wish, you may pay 
       B.  OTHER ADDITIONAL FEES.   You agree that we may impose the 
                                         more than the Minimum Payment Due and we will use the excess to reduce your Account 
      following additional fees: (i) if we do not receive an amount equal to or greater than your 
                                         balance.
      Minimum Payment Due by the Payment Due Date shown on your Periodic Statement, a late 
                                          If in a cycle you send us more than the Minimum Payment Due, in the next cycle you 
      payment fee in the amount set forth on the Credit Terms provided; (ii) if a check or other 
                                         must still pay at least the Minimum Payment Due. Your Minimum Payment Due is the 
      payment instrument you send to us is returned unpaid by your bank or there is insuf?cient 
                                         greater of: (1) all accrued and unpaid interest charges, plus all accrued and unpaid fees, 
      credit available on your Account to cover a check issued by you on your Account, a returned 
                                         plus all past due amounts, plus any amount by which your account balance exceeds a 
      payment check or returned check fee, respectively, in the amount set forth on the Credit 
                                         credit limit, plus one percent (1%) of the remaining new balance of your account; or (2) 
      Terms provided; (iii) if your Account balance ever exceeds your Credit Limit during a billing 
                                         $25.00 (or the entire new balance, if less than $25.00), or (3) 4% of the balance (rounded 
      cycle, an over limit fee in the amount set forth on the Credit Terms provided (if you have 
                                         to the next highest whole dollar amount). Unless we receive your Minimum Payment Due 
      consented to us allowing you to exceed your credit limit); (iv) a replacement card fee in 
                                         by the Payment Due Date shown on your Periodic Statement, we may charge your Account 
      the amount set forth on the Credit Terms provided; (v) an annual second card fee for an 
                                         a late payment fee as speci?ed in paragraph 10.B herein. 
      authorized user on your Account in the amount set forth on the Credit Terms provided; 
                                          You must make your payment by check, money order, or similar instrument payable 
      (vi) a stop payment fee for each stop payment order or renewal of such an order that you 
                                         in U.S. funds and drawn on a ?nancial institution located in the United States. Mail your 
      request in the amount set forth on the Credit Terms provided; and (vii) if you request that 
                                         payment to the address shown on your Periodic Statement. Your payment will be credited 
      we send a card to you through an express delivery service, an express delivery fee up to 
                                         as of the date of receipt by us only if received by the time speci?ed from time to time on 
      the amount set forth on the Credit Terms provided (the actual amount of such fee, if any, 
                                         your Periodic Statement. Any payments received after this time will be deemed received 
      to be disclosed at the time you request service). We may make offers to you from time 
                                         by us on the next business day. Payments made at any location other than the address 
      to time that may involve a fee. If we do so and you accept our offer, you agree to pay the 
                                         shown on your Periodic Statement could be subject to a delay in crediting. With your 
      accompanying fee.
                                         payment, include your payment coupon, which is a portion of your Periodic Statement. If 
       C.  CASH ADVANCE FEE.  If you obtain a Cash Advance, we may impose an  you do not include your payment coupon, credit to your Account may be delayed. Delayed 
      additional Cash Advance fee in the amount set forth in the Credit Terms and Fee Schedule  crediting may cause you to incur a Late Fee or additional Interest. Do not send us cash. 
      provided.                          You may not use a Convenience Check to pay us. Payments will be applied ?rst to the 
       D.  BALANCE TRANSFER FEE.   If you obtain a Balance Transfer, we may  balance type with the highest APR, until that balance type has been paid, and then to 
      impose an additional Balance Transfer fee in the amount set forth in the Credit Terms and  the balance type with the next highest APR until that balance type has been paid, and so 
      Fee Schedule provided.             on until all balance types have been paid. Examples of �balance types� include Balance 
      [5]              CARDHOLDER AGREEMENT 721-101  43896           [6]
      Transfer, Purchase and Cash Advance balances. If you send us a payment in an amount  authorization for a particular transaction is not given. If you exceed your Credit Limit, or if 
      that we consider large under the circumstances, we may temporarily limit your available  your Account is past due, authorization for transactions may be declined.
      credit to make sure that we will receive the funds. If you have more than one account with 
      us or any of our af?liates and you send us a single payment intended to pay more than one  18.   LIABILITY FOR UNAUTHORIZED USE.   You may be liable for the 
      of your accounts, we may apply your payment to the accounts as we choose. If a payment  unauthorized use of your Card(s) or PIN(s). You agree promptly to notify us if your Card(s) 
      is credited to your Account but is later returned unpaid in a later billing cycle, we will  or PIN(s) is/are lost or stolen or of possible unauthorized use of your Card(s) or PIN(s) by 
      recalculate the payment for the billing cycle in which the payment was originally credited,  calling us at 1-800-854-7642. You will not be liable for unauthorized use that occurs af-
      which may result in the assessment of additional Interest and fees. ter you notify us of the loss, theft, or possible unauthorized use of your Card(s) or PIN(s) 
       Receipt of your check will constitute your authorization for us, at our option, to initiate  and in any case, your liability for unauthorized use will not exceed $50 (in NY, you will 
      an Automated Clearinghouse (ACH) debit entry to your checking account for the amount of  have no liability for unauthorized use of the Card(s) or PIN(s) prior to the Effective Date). 
      the check as an alternative to the paper-based check clearing system. You agree that unauthorized use does not include use by a person to whom you have given 
       You agree not to send us payments marked �paid in full,� �without recourse,� or with  authority to use the Account or Card(s) or PIN(s) and that you will be liable for all use by 
      similar language. If you send such a payment, we may accept it without losing any of  such a person. To terminate that authority, you must call us at 1-800-854-7642.
      our rights under this Agreement. All written communications concerning disputed 
      amounts, including any check or other payment instrument that indicates that the  19.   ASSIGNMENT.   Your Account, Card(s), this Agreement and your obligations 
      payment constitutes �payment in full� of the amount owed or that is tendered with  hereunder are not transferable or assignable by you. If we wish, we may transfer or assign 
      other conditions or limitations or as full satisfaction of a disputed amount, must be  this Agreement, your Account, or your Account balance to any other person, with or 
      mailed or delivered to Card Assets LLC, P.O. Box 723847 Atlanta, GA�31139-0847.  without advance notice to you.
      No payment will operate as an accord and satisfaction without the prior written 
      consent of a senior bank of?cer or Bank representative or authorized agent. 20.   CLOSING YOUR ACCOUNT.   You can close your Account to further 
                                         transactions at any time by calling us or writing us at the telephone number or address 
                                         shown on your Periodic Statement. Your Account will be closed to further transactions 
      15.   CASH ADVANCES and CASH EQUIVALENT  
                                         immediately after we receive your notice. We may not honor any Purchase, Balance 
      TRANSACTIONS.   You may obtain a Cash Advance by either presenting your Card 
                                         Transfer, or Cash Advance that we receive after we receive your notice. If you close your 
      at a participating bank, or using your Card at a PLUS� or CIRRUS� terminal or other 
                                         Account, you must immediately stop using your Account. YOU MUST PAY THE ENTIRE 
      compatible automated teller machine (�ATM�) terminal. Your daily Cash Advances may not 
                                         BALANCE AMOUNT YOU OWE US, INCLUDING AMOUNTS OWED BUT NOT YET 
      exceed the least of the local ATM limit (if any), the withdrawal and dollar limits described 
                                         BILLED TO YOU. Until you pay us in full, Interest will continue to accrue and we may 
      herein in this paragraph, or your Credit Limit.  You may obtain a Cash Advance by using 
                                         report the amount you owe us.
      your Card at any PLUS� or CIRRUS� ATM or other compatible ATM, provided it is used 
                                          We have the right to suspend or close your Account at any time, without advance 
      with your correct Personal Identi?cation Number (�PIN�) issued to you. You must comply 
                                         notice or demand to you (unless otherwise required by applicable law), for any reason we 
      with the terms and conditions of the ATM network that you use. We may terminate or block 
                                         deem appropriate, including if you are in default under this Agreement.
      your ability to obtain Cash Advances at ATMs if we reasonably believe that there is unusual 
                                          Unless otherwise prohibited by applicable law, we may at our option declare you to be 
      activity on the Account or if you are in default under this Agreement. Cash Equivalent 
                                         in default under this Agreement if:
      Transactions include the purchase of travelers checks, money orders, wire transfers, lottery 
                                          (1)   You fail to pay the Minimum Payment Due by the Payment Due Date shown on 
      tickets, race track wagers or similar betting transactions, foreign currency purchases and 
                                           your Periodic Statement;
      making payments using a third party service.
                                          (2)  You die or become bankrupt, insolvent, or incompetent;
                                          (3)   There is an attachment, execution, levy, or garnishment against you, your wages, 
      16.   FOREIGN CURRENCY TRANSACTIONS.   You may make a 
                                           or your property, or such proceedings are commenced against you;
      Purchase or obtain a Cash Advance in (i) a foreign country in U.S. Dollars or (ii) a currency 
                                          (4)  You provide information to us that is false, misleading, or incomplete;
      other than U.S. dollars. If you do, the transaction will be converted into U.S. dollars, gener -
                                          (5)  You exceed your Credit Limit;
      ally using either (1) a government mandated rate or (2) a wholesale market exchange rate 
                                          (6)  You violate any provision of this Agreement;
      in effect when the transaction is processed, (�Exchange Rate�). The conversion rate they 
                                          (7)  You are in default under any other loan or security agreement you have with us;
      use may differ from the published rate in effect on the day that you made the transaction or 
                                          (8)   You change your address or residence to, or you live in, a jurisdiction in which we 
      it was posted to your Account. You agree to pay us the amount as converted to U.S. dollars. 
                                           do not, or no longer, offer Cards; 
      If you later receive a refund for a transaction, the amount of the refund will be converted at 
                                          (9)   You change your residence or address to, or you live in, a location outside the 
      the Exchange Rate in effect when the refund is processed, which may be different from the 
                                           United States;
      Exchange Rate for the original transaction. (10)  You fail to pay any amount due to another creditor; or
                                          (11)   We believe in good faith that you may not pay or perform your obligations under 
      17.   AUTHORIZATION OF TRANSACTIONS.   We are not responsible (i)  this Agreement.
      if a merchant or ?nancial institution does not honor your Card or (ii) for goods or services  If we close your Account to further transactions, unless otherwise prohibited by law, 
      you purchase by using your Account, except to the extent required by applicable law. Al - you must immediately pay the entire amount you owe us, including amounts owed but not 
      though you may have credit available, we may be unable to authorize credit for a particular  yet billed to you. Until you pay us in full, Interest will continue to accrue on the amount 
      transaction because of operational dif?culties or mistakes. The number of transactions you  you owe us.
      may make in one day may be limited since we may limit the number of authorizations which 
      may be given. We reserve the right to limit the amount and number of transactions we will  21.   OTHER SERVICES.   From time to time, third parties may offer you 
      authorize per day. From time to time, the number or amount of allowable authorizations per  additional services. These services may include credit card registration, emergency cash 
      day may vary. These restrictions are for security reasons. As a result, we cannot explain  service, address change service, and other related services. These services are the sole 
      the details of how this system works. Neither we nor our agents will be responsible if  responsibility of the third parties; we are not liable for these services. You agree to hold us 
      [7]              CARDHOLDER AGREEMENT 721-101  43896           [8]
      harmless to the fullest extent possible from any claims resulting from your purchase or use  28.   GOVERNING LAW.  This Agreement and your Account are governed 
      of these services, unless otherwise prohibited by applicable law. If you elect to purchase any  by the federal laws of the United States and, to the extent not preempted by 
      of these services, you authorize us to charge the premium or fee to your Account. federal law the laws of the State of Arkansas (without regard to its internal 
                                         principles of con?ict of laws), whether or not you live in Arkansas and whether 
      22.   SPECIAL PROGRAMS.   From time to time we may offer Special Programs  or not you use your Card(s) in Arkansas. This Agreement is entered into between 
      for your Account. The standard provisions of this Agreement (including Interest and Fees)  you and us in Arkansas and we extend credit to you from Arkansas.  All pay-
      apply to any Special Program unless inconsistent with a particular Special Program  ments under this agreement are received by the remittance processing center 
      offering. If you use your Account in accordance with the terms of a Special Program, you  designated by us.
      acknowledge and agree to the terms of the Special Program offering. No formal modi?ca-
      tion or amendment of this Agreement will be necessary. The standard provisions of this  29.   CHANGING TERMS.   We can change, add to, delete or otherwise modify 
      Agreement will continue to apply to any and all transactions that are not subject to a  the terms of this Agreement at any time, beginning twelve (12) months after Account 
      Special Program.                   opening, in any way permitted by law.   We will send you a notice of change at least 45 
                                         days (or as otherwise required by applicable law) before the effective date of the change. 
      23.   CREDIT REPORTS AND ACCOUNT INFORMATION.   You give  We do not have to send you an advance notice of the change if it favors you, such as 
      us permission to request information from you and to make whatever inquiries we consider  by reducing Interest rates, or increasing the maximum credit limit.  Except in cases 
      necessary and appropriate (including requesting a consumer report from consumer credit  where we are changing terms because we have not yet received your Minimum Payment 
      reporting agencies) in considering your Application and for any lawful purpose, including  Due within 60 days of the Payment Due Date, you agree that the change may cover all 
      any updates, renewals or extensions of credit or reviewing or collecting your Account. Upon  transactions made 15 days after we mail the notice. If you do not agree to the change, a 
      your request to us at Card Assets LLC, P.O. Box 723847 Atlanta, GA�31139-0847, we will  method for rejecting the change and closing the account will be provided in the Change of 
      inform you of the name and address of each consumer credit reporting agency from which  Terms Notice.  You agree that if you  use your card after the effective date of the change, 
      we obtained a consumer report, if any, relating to you. We may also obtain information  this will constitute your agreement to the change
      about your credit worthiness and employment from others and may furnish informa-
      tion concerning your Account as well as information concerning you to consumer credit  30.    YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR 
      reporting agencies and to other proper parties.  We may report information about your  FUTURE USE
      account to credit bureaus.  Late payments, missed payments or other defaults on  This notice tells you about your rights and our responsibilities under the Fair 
      your account may be re?ected in your credit report.   Credit Billing Act.
                                         What To Do If You Find a Mistake on Your Statement
      24.   NOTICE OF INACCURATE INFORMATION.   If you believe that we 
                                         If you think there is an error on your statement, write to us at: Card Assets LLC, P.O. Box 
      have information about you that is inaccurate or that we have reported or may report to a 
                                         723847 Atlanta, GA�31139-0847. You may also contact us on the web at: 
      credit reporting agency information about you that is inaccurate, please notify us of the 
                                         www.24-7cardaccess.com.
      speci?c information that you believe is inaccurate by writing to us at Card Assets LLC, P.O. 
                                         In your letter, give us the following information:
      Box 723847 Atlanta, GA�31139-0847.
                                          �  Account information: Your name and account number.
                                          �  Dollar amount: The dollar amount of the suspected error.
      25.   SHARING INFORMATION WITH AFFILIATES AND OTHERS.   
                                          �   Description of problem: If you think there is an error on your bill, describe what you 
      As permitted by applicable law, we may share with third parties information about our expe-
                                           believe is wrong and why you believe it is a mistake.
      riences or transactions with you. We also may share additional information with companies 
                                         You must contact us:
      related to us by common ownership or af?liated with us by corporate control (�af?liates�).  
                                          �   Within 60 days after the error appeared on your statement.
      All such sharing will be in accordance with our then current Privacy Notice.   
                                          �   At least 3 business days before an automated payment is scheduled, if you want to 
                                           stop payment on the amount you think is wrong.
      26.  TELEPHONE MONITORING AND RECORDING:  From time to 
                                         You must notify us of any potential errors in writing. You may call us, but if you do we are 
      time, we may monitor and/or record telephone calls regarding your Account with us to as-
                                         not required to investigate any potential errors and you may have to pay the amount in 
      sure the quality of our service, and you agree to any such monitoring or recording. We treat 
                                         question.
      all customer calls as con?dential.
                                         What Will Happen After We Receive Your Letter
      27.  COMMUNICATING WITH YOU, CONSENT TO CONTACT  When we receive your letter, we must do two things:
      BY ELECTRONIC AND OTHER MEANS:  You agree that we may contact  1.  Within 30 days of receiving your letter, we must tell you that we received your 
      you as provided in this paragraph.  We may contact you for any lawful reason, including  letter. We will also tell you if we have already corrected the error.
      for the collection of amounts owed to us and for the offering of products or services in  2.  Within 90 days of receiving your letter, we must either correct the error or explain 
      compliance with our Privacy Notice in effect from time to time. No such contact will be  to you why we believe the bill is correct.
      deemed unsolicited.  We may contact you at any address or telephone number (including  While we investigate whether or not there has been an error:
      wireless cellular telephone or ported landline telephone number) that you may provide to  �   We cannot try to collect the amount in question, or report you as delinquent on 
      us from time to time.  We may use any means of communication, including, but not limited  that amount.
      to, postal mail, electronic mail, telephone or other technology, to reach you.  You agree that  �   The charge in question may remain on your statement, and we may continue to 
      we may use automatic dialing and announcing devices which may play recorded messages.   charge you interest on that amount.
      We may also send text messages to your telephone.  You may contact us at any time to ask  �   While you do not have to pay the amount in question, you are responsible for the 
      that we not contact you using any one or more methods or technologies.    remainder of your balance.
                                          �   We can apply any unpaid amount against your credit limit.
      [9]              CARDHOLDER AGREEMENT 721-101  43896           [10]
      After we ?nish our investigation, one of two things will happen: that we have acquired; (2) any company to which we transfer our rights under this �Agree-
       �   If we made a mistake: You will not have to pay the amount in question or any interest  ment; and (3) all of the employees or other individuals who manage these companies. 
        or other fees related to that amount. Finally, if either you or we elect to arbitrate any Claim you bring against us, these terms 
       �   If we do not believe there was a mistake: You will have to pay the amount in ques- include any other persons or companies whom you make Claims against in the same 
        tion, along with applicable interest and fees. We will send you a statement of the  proceeding.
        amount you owe and the date payment is due. We may then report you as delinquent  �CLAIM� means any dispute between you and us that arises as a result of or has 
        if you do not pay the amount we think you owe. anything at all to do with: (1) your Account; (2) the events leading up to your becoming 
      If you receive our explanation but still believe your bill is wrong, you must write to us  an accountholder; (3) this Agreement; (4) any prior credit account or agreement relating 
      within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as  to such account; or (5) your relationship with us. This includes disputes relating to any 
      delinquent without also reporting that you are questioning your bill. We must tell you the  products, insurance, or other services offered to you as an accountholder. This includes 
      name of anyone to whom we reported you as delinquent, and we must let those organiza- disputes about whether this Provision is valid or binding or about whether or when it 
      tions know when the matter has been settled between us. applies. It includes disputes relating to constitutional provisions; statutes; ordinances; 
      If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the amount  regulations; case law; compliance with the Agreement or any agreement related to any 
      you question even if your bill is correct. prior credit account; and wrongful acts of every type (whether intentional; fraudulent; 
                                         reckless; or just negligent). It includes requests for money, for orders requiring you or us 
      Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                         to take certain actions (which are sometimes referred to as �injunctive relief�), and for 
      If you are dissatis?ed with the goods or services that you have purchased with your credit 
                                         any other kind of relief. This Provision applies to Claims that arise prior to, on, or after 
      card, and you have tried in good faith to correct the problem with the merchant, you may 
                                         the effective date of this Provision.
      have the right not to pay the remaining amount due on the purchase.
                                          �ADMINISTRATOR� means the American Arbitration Association or JAMS. These 
      To use this right, all of the following must be true:
                                         companies administer arbitration proceedings. The arbitrator will be selected under the 
       1.  The purchase must have been made in your home state or within 100 miles of 
                                         Administrator�s Rules. You can select the Administrator if you give us written notice of 
        your current mailing address, and the purchase price must have been more than 
                                         your selection with your notice that you are electing to arbitrate any Claim or within 20 
        $50. (Note: Neither of these are necessary if your purchase was based on an 
                                         days after we give you notice that we are electing to arbitrate any Claim. If you do not 
        advertisement we mailed to you, or if we own the company that sold you the goods 
                                         select the Administrator on time, we will select one. If for any reason the Administrator 
        or services.)
                                         you or we select is unable or unwilling to serve or continue to serve as Administrator, you 
       2.  You must have used your credit card for the purchase. Purchases made with cash 
                                         will have 20 days to select a different Administrator.
        advances from an ATM or with a check that accesses your credit card account do not 
                                          STARTING ARBITRATION   You or we can give written notice of an intention to begin 
        qualify.
                                         arbitration of a Claim or Claims or to require arbitration of the other party�s Claim or 
       3.  You must not yet have fully paid for the purchase.
                                         Claims. This notice can be given by one party even if the other party has begun a lawsuit. 
      If all of the criteria above are met and you are still dissatis?ed with the purchase, contact 
                                         If such a notice is given, any Claim will be resolved by arbitration under this Provision 
      us in writing [or electronically] at: Card Assets LLC, P.O. Box 723847 Atlanta, GA�31139-
                                         and the Administrator�s Rules that are in effect at the time the Claim is ?led with the 
      0847. You may also contact us on the web: www.24-7cardaccess.com.
                                         Administrator. The arbitrator must be a lawyer with more than 10 years experience or a 
      While we investigate, the same rules apply to the disputed amount as discussed above. 
                                         retired judge. A copy of the Claim form may be obtained from the Administrator or from 
      After we ?nish our investigation, we will tell you our decision. At that point, if we think you 
                                         us. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect 
      owe an amount and you do not pay, we may report you as delinquent.
                                         to any Claim that is later asserted in the same lawsuit by any other party. All doubts 
                                         about whether to arbitrate a Claim shall be resolved in favor of arbitration. We will not 
      31.   NO WAIVER BY US.  We may choose to delay enforcing or waive any of our 
                                         elect to arbitrate an individual Claim that you bring against us in �small claims� court. 
      rights under this Agreement in certain situations. We can delay enforcing or waive any of 
                                         However, we may elect to arbitrate a �small claims� court Claim that is later sent or 
      our rights without affecting our other rights. If we waive a right, we do not thereby waive 
                                         appealed to any different court.
      the same right in other situations. 
                                          IMPORTANT LIMITATIONS    IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL 
                                         NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE 
      32.   SEVERABILITY.   If any provision of this Agreement is ?nally determined to 
                                         CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US AND TO APPEAL IS MORE 
      be unenforceable under any law, rule, or regulations, all other provisions of this Agreement 
                                         LIMITED IN ARBITRATION THAN IN A LAW-SUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF 
      are still valid and enforceable.
                                         YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. THE FEES CHARGED 
                                         BY THE ADMINISTRATOR MAY BE HIGHER THAN THE FEES CHARGED BY A COURT. THE 
      33.   ENTIRE AGREEMENT.   The Cardholder Documents constitute the entire 
                                         SAME LIMITATIONS ALSO APPLY TO US. IN ADDITION, IF YOU OR WE ELECT TO ARBITRATE A 
      Agreement between you and us relating to your Account and supersede any other prior 
                                         CLAIM: (1) NEITHER YOU NOR ANYONE ELSE ON YOUR BEHALF CAN PURSUE THAT CLAIM IN 
      or contemporaneous agreement between you and us relating to your Account. Except as 
                                         COURT IN A CLASS OR REPRESENTATIVE ACTION (SUCH AS A PRIVATE ATTORNEY GENERAL 
      otherwise expressly provided, if there is any con?ict among these documents, the terms of 
                                         ACTION); (2) NEITHER YOU NOR ANYONE ELSE ON YOUR BEHALF CAN PURSUE THAT CLAIM 
      this Agreement control. 
                                         IN THE ARBITRATION ON A CLASS-WIDE OR REPRESENTATIVE (SUCH AS A PRIVATE ATTOR-
                                         NEY GENERAL) BASIS; AND (3) CLAIMS BROUGHT BY OR AGAINST ONE ACCOUNTHOLDER 
      34.  ARBITRATION AGREEMENT.  (Agreement to Arbitrate). Arbitration is 
                                         (OR JOINT ACCOUNTHOLDERS) MAY NOT BE BROUGHT TOGETHER WITH CLAIMS BROUGHT 
      a method of deciding disputes outside the court system. This Arbitration Provision (the 
                                         BY OR AGAINST ANY OTHER ACCOUNTHOLDER.
      �Provision�) governs when and how any disputes you and we may have will be arbitrated 
                                          ARBITRATION and COSTS   Any arbitration hearing that you attend will take place 
      instead of decided in court.
                                         in the federal judicial district where you live. If you cannot afford to pay the fees charged 
       CERTAIN DEFINITIONS   Certain words used in this Provision have special meanings:
                                         by the Administrator and the arbitrator or if you believe that such fees are too high, we 
       �WE,� �US,�and �OUR� means First Arkansas Bank & Trust (�Bank�) and our 
                                         will consider any reasonable written request by you for us to pay the fees. We will pay any 
      af?liates, successors and assigns and also include: (1) any prior issuer of a credit account 
                                         fees or expenses we are required to pay by law. You will never be required to pay us any 
      [11]             CARDHOLDER AGREEMENT 721-101  43896           [12]
      fees we have previously paid to the Administrator. Each party must bear the expense of that  35.  STATE LAW NOTICES:
      party�s attorneys, experts, and witnesses, regardless of who wins the arbitration, except to 
                                          CALIFORNIA RESIDENTS:  Interest is compounded on unpaid ?nance 
      the extent that applicable law or the Administrator�s Rules provide otherwise.
                                         charges on Purchases and on unpaid ?nance charges on Cash Advances.
       GOVERNING LAW   This Agreement involves interstate commerce and this Provision 
      is governed by the Federal Arbitration Act (�FAA�), United States Code, Title 9, Sections 1  DELAWARE and MARYLAND RESIDENTS:  Finance charges will be 
      and following. The arbitrator must follow: (1) the FAA; (2) the substantive law, consistent  imposed in amounts or at rates not in excess of those permitted by law on the outstand-
      with the FAA, related to any Claim; (3) statutes of limitations; and (4) claims of privilege  ing balances from month to month.
      recognized at law. Upon the timely request of either party, the arbitrator must provide a  MARYLAND RESIDENTS:  You have the right under Section 12-510 of the 
      brief written explanation of the basis for the award. The arbitrator will determine the rules  Commercial Law Code to receive an answer to a written inquiry concerning the status of 
      of procedure and evidence to apply, consistent with the FAA, the Administrator�s Rules, and  your account.
      this Provision. The arbitrator shall not apply federal, state, or local rules of procedure and 
                                          NEW JERSEY RESIDENTS:  Because certain provisions of this Agreement 
      evidence or state or local laws concerning arbitration proceedings.
                                         are subject to applicable law, they may be void, unenforceable or inapplicable in some 
       OBTAINING INFORMATION   After an arbitration proceeding has been started, in 
                                         jurisdictions.  None of these provisions, however, is void, unenforceable or inapplicable 
      addition to a party�s right to obtain information from the other party under the Administra-
                                         in New Jersey. 
      tor�s Rules, either party may request the arbitrator in writing to allow that party to obtain 
      more information from the other party. A copy of such request must be provided to the  NEW YORK RESIDENTS:  Call the New York State Banking Department at 
      other party. That party will then have the chance to object in writing within 30 days. The  (880) 518-8866 for a comparative list of credit card rates, fees and grace periods.
      objection must be sent to the arbitrator and the other party. The arbitrator will decide the 
                                          OHIO RESIDENTS:  The Ohio laws against discrimination require that all 
      issue, in his or her sole discretion, within 20 days after any objection to providing expanded 
                                         creditors make credit equally available to all credit worthy customers, and that credit 
      information is submitted.
                                         reporting agencies maintain separate histories on each individual upon request.  The Ohio 
       EFFECT of ARBITRATION AWARD   Any appropriate court may enter judgment upon 
                                         civil rights commission administers compliance with this law.
      the arbitrator�s award. The arbitrator�s decision will be ?nal and binding, except for any 
      appeal right under the FAA and except for Claims involving more than $100,000. For these  WISCONSIN RESIDENTS:  We will not charge you attorneys� fees, court 
      large Claims, any party may appeal the award to a three-arbitrator panel appointed by the  costs, or other collection costs incurred as a result of your default.
      Administrator. That panel will consider all over again any part of the initial award that any 
                                          MARRIED WISCONSIN RESIDENTS:  No provisions of any marital 
      party asserts was incorrectly decided. The decision of the panel will be by majority vote 
                                         property agreement, unilateral statement under section 766.59 or court decree under sec-
      and will be ?nal and binding, except for any appeal right under the FAA. Unless applicable 
                                         tion 66.70 will adversely affect the interest of the creditor unless the creditor, prior to the 
      law provides otherwise, the fees charged by the Administrator and the arbitrators for such 
                                         time credit is granted, is furnished a copy of the agreement, statement, or decree or has 
      an appeal will be paid by the appealing party, regardless of who wins the appeal. However, 
                                         actual knowledge of the adverse position when the obligation to the creditor is incurred.  
      we will consider any reasonable written request by you for us to pay such fees. All other 
                                         We are required to ask you to provide the name and address of your spouse.
      provisions of this Provision shall apply to any appeal to a three-arbitrator panel, and any 
      reference in this Provision to a single arbitrator shall apply to the three-arbitrator panel.
                                         NOTICE TO THE BUYER
       CONTINUING EFFECT of ARBITRATION AWARD   This Provision will remain in force 
                                         1.  DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS 
      no matter what happens to you or your Account. For example, it will remain in force even 
                                          ANY BLANK SPACES.
      if: (1) your credit privileges are ended or put on hold; (2) you close your Account; (3) you 
                                         2.  YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT 
      repay your entire Account balance; (4) we begin a lawsuit to collect amounts we think you 
                                          AGREEMENT.
      owe; or (5) you become bankrupt or insolvent or a bankruptcy or insolvency proceeding 
                                         3.  YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT OR YOUR 
      is begun, to the extent consistent with applicable bankruptcy law. If any portion of this 
                                          ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE FOR 
      Provision cannot be enforced for any reason, the rest of this Provision will continue to 
                                          PREPAYMENT.
      apply. In the event of any con?ict or inconsistency between this Provision, on the one hand, 
                                         NEW YORK RESIDENTS:  RETAIL INSTALMENT CREDIT AGREEMENT
      and the Administrator�s Rules or other provisions of this Agreement, on the other hand, this 
      Provision will govern.
                                         CARDHOLDER: Your signature (including any electronic or digital signature) on 
       CONTACTING ARBITRATION ADMINISTRATORS    If you have a question about the 
                                         any Application or on any sales slip or other evidence of indebtedness on your Account 
      arbitration companies who may serve as Administrator, would like to obtain a copy of their 
                                         represents your signature on this Agreement.
      arbitration rules or fee schedules, or would like a Claim form, you can contact them as 
      follows: American Arbitration Association, 335 Madison Avenue, New York, NY 10017 
       www.adr.org, request the Arbitration Rules for the Resolution of Consumer-Related 
      Disputes (for Claims under $10,000) or Commercial Arbitration Rules (for all other Claims); 
      JAMS, 45 Broadway, 28th ?oor, New York, NY 10006, www.jamsadr.com, request the 
      Financial Services Arbitration Rules and Procedures.
       OPT OUT   You may choose to opt out of and not be subject to this Arbitration Provision 
      but only by following the process set forth below.  If you do not wish to be subject to this 
      Arbitration Provision, then you must notify us in writing within forty-?ve (45) calendar days 
      of the date of this Agreement at the following address, Card Assets LLC, P.O. Box 723847 
      Atlanta, GA�31139-0847. Your written notice must include your name, address, social 
      security number, and account number, and a statement that you wish to opt out of this 
      Arbitration Provision.  Your notice to opt out will only apply to this particular Agreement 
      with us and not to subsequent or previous agreements.
      [13]             CARDHOLDER AGREEMENT 721-101  43896           [14]
                                         De?nitions 
      Privacy Policy
                                         Af?liates    Companies related by common ownership or control. They can be ?nancial and 
                                         non?nancial companies. First Arkansas Mortgage and First Arkansas Bank & Trust.
      FACTS: WHAT DOES CARD ASSETS LLC DO WITH YOUR 
                                         Non-af?liates    Companies not related by common ownership or control. They can be 
      PERSONAL INFORMATION?
                                         ?nancial and non?nancial companies. 
                                          �   Non-af?liates we share with can include ?nancial service companies (such as 
      Why?    Financial companies choose how they share your personal information. 
                                           insurers, banks, and securities broker dealers), non-?nancial companies (such as 
      Federal law gives consumers the right to limit some but not all sharing. Federal law also 
                                           retailers, direct marketers, airlines, and publishers) and others (such as membership 
      requires us to tell you how we collect, share, and protect your personal information. 
                                           groups)
      Please read this notice carefully to understand what we do.
                                         Joint marketing    A formal agreement between nonaf?liated ?nancial companies that 
      What?    The types of personal information we collect and share depend on the product  together market ?nancial products or services to you.
      or service you have with us. This information can include: �   Our joint marketing partners include ?nancial companies (such as banks and 
       �  Social Security number and income insurers), companies that are our partners for co-brand credit card programs or non-
       �  Account balances and payment history ?nancial companies (such as direct marketers and mail houses) and others (such as 
       �  Credit history and credit scores membership groups and those that offer reward programs)
                                          
      How?    All ?nancial companies need to share customers� personal information to run  Other important information 
      their everyday business. In the section below, we list the reasons ?nancial companies  You may have other privacy rights in some states, such as Vermont and California.  To the 
      can share their customers� personal information; the reasons Card Assets LLC chooses to  extent state laws apply, we will comply with them when we share information about you.  
      share; and whether you can limit this sharing. For example, if your account has a Vermont address, we will not share credit report infor-
                                         mation about you with our af?liates, unless you call us at 1-800-854-7642 and authorize 
      Who We Are                         us to do so.  In addition, we will not share information about you with nonaf?liated third 
                                         parties except:
      Who is providing this notice?    Card Assets LLC 
                                          �  With companies that do marketing or other services for us;
       
                                          �   Contact information (such as name and address) and transaction information (such 
      What We Do 
                                           as your payment history);
      How does Card Assets LLC protect my personal information?    To protect your per- �  With your authorization; and 
      sonal information from unauthorized access and use, we use security measures that comply  �  As permitted or required by law.
      with federal law. These measures include physical, electronic and procedural safeguards.
      How does Card Assets LLC collect my personal information? We collect your personal 
      information, for example, when you  Reasons we can share your  Does Card  Can you limit 
       �  Apply for ?nancing or pay your bills personal information  Assets LLC  this sharing? 
       �  Give us your income or contact information       share? 
       �  Provide employment information
      We also collect your personal information from others, such as credit bureaus, af?liates,  For our everyday business purposes �  Yes No
      or other companies.                such as to process your transactions, maintain 
                                         your account(s), respond to court orders and 
      Why can�t I limit all sharing?    Federal law gives you the right to limit only legal investigations, or report to credit bureaus
       �   Sharing for af?liates� everyday business purposes � information about your 
        creditworthiness                 For our marketing purposes � to offer our  Yes No
       �  Af?liates from using your information to market to you products and services to you
       �  Sharing for non-af?liates to market to you
      State laws and individual companies may give you additional rights to limit sharing. See  For joint marketing with other ?nancial  Yes No
      below for more on your rights under state law. companies
      What happens when I limit sharing for an account I hold jointly with someone 
      else?    Your choices will apply to everyone on your account. For our af?liates� everyday business pur- Yes No
                                         poses � information about your transactions 
                                         and experiences
                                         For our af?liates� everyday business  Yes Yes
                                         purposes � information about your credit-
                                         worthiness
                                         For our af?liates to market to you Yes Yes
                                         For non-af?liates to market to you  Yes Yes
      [15]             CARDHOLDER AGREEMENT 721-101  43896           [16]
      To limit our sharing, cut out and mail 
                                                           Mail to:
      the form on the right              Privacy
                                                           Card Assets LLC
      Please note: If you are a new customer, we can begin sharing your information [30] days  Preferences c/o Privacy
      from the date we sent this notice. When you are no longer our customer, we continue to  P.O. Box 723847
      share your information as described in this notice. However, you can contact us at any time  Mail-in Form
                                                           Atlanta, GA�31139-0847
      to limit our sharing.
      Questions? Call 1-800-854-7642 
      or go to www.24-7cardaccess.com
                                          Mark any/all you want to limit:
                                                         Do not allow your af?liates to use my 
                                              personal information to market to me.
                                                         Do not share my personal information with 
                                              non-af?liates to market their products and 
                                              services to me.
                                          Name:
                                          Address:
                                          City, State, Zip Code:
                                          Account Number:
      [17]             CARDHOLDER AGREEMENT 721-101  43896           [18]
        CONTACT US:
        Card Assets LLC
        P.O. Box 723847
        Atlanta, GA�31139-0847
        1-800-854-7642
        www.24-7cardaccess.com
             Variable Rate:  Your APRs will vary with the market based on the Prime Rate.  The  Variable Rate:  Your APRs will vary with the market based on the Prime Rate.  The 
             Prime Rate is the highest bank prime loan rate as published by the Wall Street Journal in  W111R Prime Rate is the highest bank prime loan rate as published by the Wall Street Journal in  W111R
             its Money Rates Section on the 14th day (or the next business day if the 14th is not a busi- its Money Rates Section on the 14th day (or the next business day if the 14th is not a busi-
             ness day) of the calendar month preceding the ?rst day of the billing period.  If the Periodic  ness day) of the calendar month preceding the ?rst day of the billing period.  If the Periodic 
             Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will  Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will 
             increase and your minimum payment may be greater.                               increase and your minimum payment may be greater.   
             Penalty Rate:  If you fail to make your required minimum payment on your Account  Penalty Rate:  If you fail to make your required minimum payment on your Account 
             by the due date [two or more times in any six-month period], all rates may increase to the  by the due date [two or more times in any six-month period], all rates may increase to the 
             Penalty Rate.  Rates may increase as early as the beginning of the billing period in which  Penalty Rate.  Rates may increase as early as the beginning of the billing period in which 
             the condition occurred, but no later than the following two billing periods.  The Penalty APR  the condition occurred, but no later than the following two billing periods.  The Penalty APR 
             will cease to apply if you pay all past due amounts and any fees and you pay your minimum  will cease to apply if you pay all past due amounts and any fees and you pay your minimum 
                                                      WORLD MASTERCARD                                                                WORLD MASTERCARD
             monthly payment on time for six consecutive months.                             monthly payment on time for six consecutive months.  
             Application of Payments:  We will apply all payments to the account in ac-      Application of Payments:  We will apply all payments to the account in ac-
             cordance with any applicable law.  Any payment amount in excess of the required minimum  cordance with any applicable law.  Any payment amount in excess of the required minimum 
             payment will be applied to the outstanding balances based on the APR applicable to that  payment will be applied to the outstanding balances based on the APR applicable to that 
             balance.  We will apply payments according to the APR from highest to lowest.   balance.  We will apply payments according to the APR from highest to lowest.
                                                   Credit Terms                                                                    Credit Terms
             Minimum Payment: The greater of 4% of the outstanding balance or $25.00.        Minimum Payment: The greater of 4% of the outstanding balance or $25.00.
             Cash Equivalent Transactions:  Cash equivalent transactions are those           Cash Equivalent Transactions:  Cash equivalent transactions are those 
             transactions performed using a merchant or service provider that MasterCard/VISA identi- and Fees transactions performed using a merchant or service provider that MasterCard/VISA identi- and Fees
             ?es as a seller of traveler�s cheques, foreign currencies, money orders, wire transfers,  ?es as a seller of traveler�s cheques, foreign currencies, money orders, wire transfers, 
             lottery tickets, funds used for wagers or gambling or similar products and services. lottery tickets, funds used for wagers or gambling or similar products and services.
             Other Fees:                                                                     Other Fees:  
             Replacement Card ....................................................... $35.00 (includes delivery) Replacement Card ....................................................... $35.00 (includes delivery)
             Copy of Sales Voucher ................................................. $7.50   Copy of Sales Voucher ................................................. $7.50
             Additional Copy of Paper Statement ............................. $7.50          Additional Copy of Paper Statement ............................. $7.50
             Annual Second Card Fee .............................................. $0.00     Annual Second Card Fee .............................................. $0.00
               CONTACT US:                                                                     CONTACT US:
               Card Assets                                                                     Card Assets
               P.O. Box 723847                                                                 P.O. Box 723847
               Atlanta, GA� 31139-0847                                                         Atlanta, GA� 31139-0847
               1-800-854-7642                                                                  1-800-854-7642
               www.24-7cardaccess.com                                                          www.24-7cardaccess.com
                                                      Privacy Policy to be included as part of                                        Privacy Policy to be included as part of 
                                                             the Cardholder Agreement.                                                       the Cardholder Agreement.
                  CARDHOLDER AGREEMENT: CARD TERMS AND FEES                                       CARDHOLDER AGREEMENT: CARD TERMS AND FEES
                                      Effective                                                                       Effective
             Summary of Credit Terms  6/1/2011  Fees                                         Summary of Credit Terms  6/1/2011  Fees
             Interest Rates and Interest Charges Set-up and                                  Interest Rates and Interest Charges Set-up and 
             Please read carefully and review the pricing & terms. Maintenance Fees:         Please read carefully and review the pricing & terms. Maintenance Fees:
                                                    �  Annual Fee     �   $35.00 per account                                        �  Annual Fee     �   $35.00 per account
                                                                                                                                             
             Annual                                                                          Annual                                          
             Percentage  9.99%. This APR will vary with the market                           Percentage  9.99%. This APR will vary with the market 
             Rate (APR) for  based on the Prime Rate.                                        Rate (APR) for  based on the Prime Rate.    
             Purchases                          Transaction Fees:                            Purchases                          Transaction Fees:
                                                    �   Balance Transfer     �   Either $10.00 or 4% of the amount of               �   Balance Transfer     �   Either $10.00 or 4% of the amount of 
             Balance   1.99% introductory APR for 6 months. After that,  each transfer, whichever is greater, but  Balance  1.99% introductory APR for 6 months. After that,  each transfer, whichever is greater, but 
             Transfers APR your APR will be 9.99%. This APR will vary with  no more than $45.00 per transfer Transfers APR your APR will be 9.99%. This APR will vary with  no more than $45.00 per transfer
                                                    �  Cash Advance     �   Either $10.00 or 5% of the amount                       �           �
                       the market based on the Prime Rate.                                             the market based on the Prime Rate.  Cash Advance   Either $10.00 or 5% of the amount 
                                                             advanced, whichever is greater.                                                 advanced, whichever is greater.
                                                    �   Foreign Transaction     �   3.0% of the US dollar amount of the             �   Foreign Transaction     �   3.0% of the US dollar amount of the 
             Cash Advances  13.49%. This APR will vary with the market  transactions originating in a foreign  Cash Advances  13.49%. This APR will vary with the market  transactions originating in a foreign 
             and Cash  based on the Prime Rate.              country.                        and Cash  based on the Prime Rate.              country.
                                                    �           �                                                                   �           �
             Equivalent                            Convenience Check    $10.00 per check (only for checks  Equivalent              Convenience Check    $10.00 per check (only for checks 
             Transaction APR                     Fee         greater than $150)              Transaction APR                     Fee         greater than $150)
             Penalty APR and  21.99%. This APR will vary with the market  Penalty Fees:      Penalty APR and  21.99%. This APR will vary with the market  Penalty Fees:  
                                                    �  Late Payment     �   Up to $35.00                                            �           �
             When it Applies based on the Prime Rate.                                        When it Applies based on the Prime Rate.  Late Payment   Up to $35.00
                                                    �           �
                       This APR may be applied to your account if you:   Returned Payment    $25.00 per item                        �           �
                                                                                                       This APR may be applied to your account if you:   Returned Payment    $25.00 per item
                       (1)  Make a late payment  Fee                                                   (1)  Make a late payment  Fee
                                                    �   Over Credit Limit      �   $0.00                                            �   Over Credit Limit      �
                       (2)  Make a payment that is returned                                            (2)  Make a payment that is returned    $0.00
                       (3)   Do any of the above on any other account  Fee                             (3)   Do any of the above on any other account  Fee
                        held with us                                                                    held with us
                       How Long Will the Penalty APR Apply?                                            How Long Will the Penalty APR Apply? 
                                                How We Will Calculate Your Balance:  We use a                                   How We Will Calculate Your Balance:  We use a 
                       The penalty rate may be applied to your account                                 The penalty rate may be applied to your account 
                                                method called �average daily balance (including new purchases).�                method called �average daily balance (including new purchases).� 
                       until we receive six (6) consecutive payments,                                  until we receive six (6) consecutive payments, 
                                                See your Cardholder Agreement for more details.                                 See your Cardholder Agreement for more details.
                       with each payment being received by the required                                with each payment being received by the required 
                       payment date.            Billing Rights:  Information on your rights to dispute transactions  payment date. Billing Rights:  Information on your rights to dispute transactions 
                                                and how to exercise those rights is provided in your Cardholder Agreement.      and how to exercise those rights is provided in your Cardholder Agreement.
             Paying Interest Your due date is at least 25 days after the close               Paying Interest Your due date is at least 25 days after the close 
                       of each billing period.  We will not charge you                                 of each billing period.  We will not charge you 
                       periodic interest on new purchases, or any portion  Margins & Periodic Rates with Corresponding APRs periodic interest on new purchases, or any portion  Margins & Periodic Rates with Corresponding APRs
                       of a new purchase, paid by the due date on your                                 of a new purchase, paid by the due date on your 
                       current billing statement if your entire balance on  Margin Periodic Rate       current billing statement if your entire balance on  Margin Periodic Rate
                       your previous billing statement is paid in full by                              your previous billing statement is paid in full by 
                       the due date on that statement. There is no time  Purchase Rate 6.74% 0.02737%  the due date on that statement. There is no time  Purchase Rate 6.74% 0.02737%
                       period in which to avoid periodic interest on cash  (corresponding APR of 9.99%) period in which to avoid periodic interest on cash  (corresponding APR of 9.99%)
                       advances or balance transfers.                                                  advances or balance transfers.
                                                Balance Transfer  6.74% 0.02737%                                                Balance Transfer  6.74% 0.02737%
             Minimum   If you are charged interest, the charge will be no  Rate (corresponding APR of 9.99%) Minimum  If you are charged interest, the charge will be no  Rate (corresponding APR of 9.99%)
             Interest Charge  less than $1.00.                                               Interest Charge  less than $1.00.
                                                Cash Advance  10.24% 0.03696%                                                   Cash Advance  10.24% 0.03696%
             Credit Card  The Consumer Financial Protection Bureau  and Cash  (corresponding APR of 13.49%) Credit Card  The Consumer Financial Protection Bureau  and Cash  (corresponding APR of 13.49%)
             Tips from the  website provides useful information and  Equivalent              Tips from the  website provides useful information and  Equivalent 
             Consumer  guidelines to assist you when applying for a  Transaction Rate        Consumer  guidelines to assist you when applying for a  Transaction Rate 
             Financial  credit card and how to use your card. Visit:                         Financial  credit card and how to use your card. Visit: 
             Protection  http://www.consumer?nance.gov Penalty Rate 18.74% 0.06025%          Protection  http://www.consumer?nance.gov Penalty Rate 18.74% 0.06025%
             Bureau                                            (corresponding APR of 21.99%) Bureau                                            (corresponding APR of 21.99%)
                  CARDHOLDER AGREEMENT: CARD TERMS AND FEES V1.2-04.12                            CARDHOLDER AGREEMENT: CARD TERMS AND FEES V1.2-04.12