F03-L443-4 
SFNB-450 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances and 
Convenience 
Checks 
Paying Interest 

ACCOUNT OPENING DISCLOSURES 
INTEREST RATES AND INTEREST CHARGES 

10.50% Variable APR

This APR will vary with the market based on the Prime Rate. 

10.50% Variable APR 

This APR will vary with the market based on the Prime Rate. 

14.50% Variable APR 

This APR will vary with the market based on the Prime Rate. 

Your due date is 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash 
advances, balance transfers and convenience checks on the 
transaction date. 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 

FEES 

Annual Fee 

None 

Transaction Fees 

Balance Transfer 

None 

Cash Advance and 
Convenience Checks 

3% of the amount of each cash advance, but not less than $4.00 
nor more than $50.00. 

Foreign Purchase 
Transaction 

Penalty Fees 

Late Payment 

Returned 

Payment 

2% of each purchase transaction in US dollars. 

An amount equal to past due payment or $25, whichever is less. 

Up to $25 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new 
purchases)." For further details, please see Additional Disclosures, below or the Card Membership Rules 
that will be provided to you before you can begin using your new card. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the Card Membership Rules that will be provided to you before you can begin using your new 
card. 

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SFNB-450 

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ADDITIONAL DISCLOSURES 

Finance Charges start to accrue on cash advances, convenience checks and balance transfers of the
date  the  item  is  posted  to  your  account.  Finance  charges  for  purchases  generally  will  start  to
accrue from the date the item is posted to your account, however, no finance charges will accrue
on new purchases if the entire balance in your account is paid by the due date each month.

We figure the interest  charge  on your account  by applying the periodic rate to the  "average  daily
balance" of your account. To get the "average daily balance" we take the beginning balance of your
account  each  day,  add  any  new  purchases,  advances  or  fees,  and  subtract  any  payments  or
credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle
and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  "average  daily
balance."

Your  account  has  a  variable  rate  indexed  on  the  Prime  Rate.  The  rate  on  your  account  for
purchases  and  balance  transfers  is  the  Prime  Rate  plus  7.00%  per  annum.  The  rate  on  your
account for cash advances and convenience checks is the Prime Rate plus 11.00% per annum. Your
rate will increase if the Prime Rate increases, but will only change one time per statement cycle.  If
the  prime  rate  increases  variable  APRs  (and  corresponding  DPRs)  will  increase.    In  that  case  you
may  pay  more  interest  and  may  have  a  higher  minimum  payment  due.    Changes  in  APRs
(increases or decreases) due to changes in the Prime Rate will be effective on the first day of your
next  statement  cycle  beginning  at  least  two  days  after  the  change  in  the  Prime  Rate.  The  Prime
Rate is the prime rate published in the Money Rates column of The Wall Street Journal in effect for
the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.      Variable  rate  APRs  are
based upon the 3.50% Prime Rate in effect on December 17, 2015.

The  information  about  the  costs  of  the  card(s)  is  accurate  as  of  July,  2016.    This  information  may  have 
changed after that date.  To find out what may have changed, write to us at Bank Card Center, P.O. Box 
6609, Pine Bluff, Arkansas 71611 or email us at bankcard@simmonsfirst.com. 

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