F03-L444-5 
SFNB-565 

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 

7.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

7.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

11.25% 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 and balance transfers 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 $25.00, whichever is less. 

Up to $25 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including 
current  transactions)."  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-565 

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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  4.00%  per  annum.  The  rate  on  your 
account for cash advances and convenience checks is the Prime Rate plus 8.00% per annum. Your 
rate  will  increase  if  the  Prime  Rate  increases,  but  will  only  change  one  time  per  statement  cycle.  
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 3.25% Prime Rate in effect on August 13, 2010. 

The information about the costs  of the card(s)  is accurate as of  November, 2012.  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. 

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