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ARVEST BANK 
CARDHOLDER AGREEMENT 

IMPORTANT: This Cardholder Agreement, which includes the Account 
Opening Disclosures, (“Agreement”) is your contract with us governing 
the credit card account (“Account”). You have accepted the terms and 
conditions of this Agreement if you sign, use, or allow others to use, your 
Credit Card. You also have accepted this Agreement if within 30 days of 
receipt of the Credit Card you have not destroyed the Credit Card and 
informed us in writing at Arvest Bank, P.O. Box 6139, Norman, Oklahoma 
73070, or by phone at 1-800-356-8085 that you choose not to accept 
this Agreement. 
The  term  “Credit  Card”  refers  to  one  or  more  Credit  Cards  or  other 
access devices (including an Account number) that we have issued to 
you or someone else with your authorization to access credit under this 
Agreement. 
The words “you” and “your” refer to each person who is contractually 
liable under this Agreement. If we issue you a joint Account, each of you 
agrees to be liable individually and jointly for the entire amount owed on 
the Account; and any notice we send to an address provided by either of 
you for the Account will serve as notice to both of you. 
The  words  “we”,  “our”  and  “us”  refer  to  Arvest  Bank,  Fayetteville, 
Arkansas, which is the issuer of your Credit Card. 
The  following  information  is  provided  as  required  by  the  Federal 
Consumer Credit Protection Act and the Oklahoma Uniform Consumer 
Credit Code. This information is a part of the Agreement. 

YOUR ACCOUNT 
RESPONSIBILITY  FOR  OBTAINING  CREDIT.  You  agree  to  accept 
responsibility and pay all amounts due for credit you have obtained from 
us, plus any Fees and Interest Charges. You obtain credit from us when 
Purchases, Cash Advances, or Balance Transfers are made using your 
Account, by: 
1.  You; 
2.  An Authorized User; or 
3.  Other people, if you or an Authorized User give them access to use 

your Account. 
You  must  pay  us  for  all  amounts  due  on  your  Account.  This 
includes  transactions  made  by  an  Authorized  User,  including 
transactions  for  which  you  may  not  have  intended  to  be  liable, 
even if the amount of those transactions causes a Credit Limit to 
be exceeded. 

CREDIT LIMIT. We will let you know your Credit Limit when you open 
your  Account.  We  may  establish  a  lower  Cash  Credit  Limit  for  Cash 
Advances. Your available Credit Limit and Cash Credit Limit will appear 
on  each  Monthly  Periodic  Statement.  We  may  (at  our  option  and  in 
accordance with all applicable laws) increase or decrease your Credit 
Limit and Cash Credit Limit at any time without prior notice. You must 
keep your Account balance below your Credit Limit. If you do not, we 
may request immediate payment of the amount by which you exceed it. 

CONSUMER  PURPOSES.  You  may  use  your  Account  for  personal, 
family,  or  household  purposes.  You  may  not  use  your  Account  for 
business or commercial purposes. 

ILLEGAL  TRANSACTIONS.  You  may  not  use  your  Account  for  illegal 
transactions, but if you do, this Agreement still applies, and you must pay 
us for those transactions. You also may have to pay the Card Network 
and/or  us  for  any  damages  and  expenses  resulting  from  that  use.  In 
addition, we may close your Account. 

AUTHORIZED USERS 
ISSUING  CREDIT  CARDS  TO  AUTHORIZED  USER(S).  You  may  ask 
us to issue a Credit Card on your Account to one or more Authorized 
Users.  You  must  obtain  permission  from  each  Authorized  User  and 
make a copy of this Agreement available to each Authorized User prior to 
each addition. We will approve your request to issue a Credit Card to an 
Authorized User in our sole discretion. 

REMOVING  AUTHORIZED  USERS.  You  must  notify  us  to  remove  an 
Authorized User from your Account. If we remove an Authorized User, in 
some cases we may close your Account, open a new Account and issue 
you a new Credit Card. You are responsible for any transactions made 
by an Authorized User on your Account even if the posting date shown 
on your Monthly Periodic Statement for that transaction occurs after the 
date you ask us to remove the Authorized User from your Account. 

ACCOUNT  USE  BY  AUTHORIZED  USERS.  Authorized  User(s)  can 
access your credit by conducting Purchases and Cash Advances in the 
same manner as Primary and Joint cardholders. Use of your Account 
by an Authorized User is subject to the terms of this Agreement. The 
Authorized User(s) you add to your Account will not be considered a 
party to your Agreement, cannot make any Account changes, and will 
not be responsible to us for any amounts owing under the Agreement. 
You  will  be  responsible  for  all  Purchases,  Cash  Advances,  Fees,  and 
Interest Charges incurred by each Authorized User, including those made 
by others when the Authorized User allows them to use your Account. 
Your credit history can and will refect Authorized User Account use. 

Authorized Users that have been issued a Card can: 

•  Report lost or stolen Cards 
•  Request statement copies 
•  Initiate billing disputes 
•  Make payments 
•  Obtain Account information such as transaction histories 

ACCOUNT  INFORMATION  RIGHTS  FOR  AUTHORIZED  USERS.  You 
allow us to discuss your Account with an Authorized User. This includes 
giving him or her access to your Account information and history. You 
also  agree  that  an  Authorized  User  may  use  and  receive  information 
about the Account the same way you do. An Authorized User can not 
add other Authorized Users, adjust the Credit Limit or close the Account. 

CREDIT  REPORTING.  Unless  the  Authorized  User  has  been  issued  a 
Credit Card on the Account and is your spouse, we do not report the 
Authorized  User’s  credit  activity  related  to  this  Account  to  Consumer 
Reporting  Agencies.  This  means  the  Authorized  User’s  credit  bureau 
report will not be impacted by using this Account. 

INFORMATION ABOUT AUTHORIZED USERS WHO ARE A SPOUSE. If 
you ask us to issue a Credit Card to your spouse as an Authorized User, 
you agree to give us certain personal information about them. You must 
let them know that you will give us that information, you must have their 
permission to do so, and you must have their permission to allow us to 
share information about them as allowed by applicable law. This includes 
information we may get from you, any Authorized User, and others. It 
also  includes  information  about  the  transactions  on  the  Account.  We 
report information about this Account to Consumer Reporting Agencies. 
This information may appear on your spouse’s credit report. This could 
include information about: Late Payments, Overlimit Amounts, Returned 
Payments,  and  other  violations  of  this  Agreement.  You  must  let  them 
know that we report Account information in their name. 

CREDIT  LIMITS  AND  ACCOUNT  INFORMATION  RIGHTS.  You  must 
assign a designated Credit Limit amount to each Credit Card Authorized 
User.  The  Credit  Limit  for  any  Authorized  User  cannot  exceed  the 
Credit Limit applicable to the primary cardholder’s Credit Limit, and the 
total  amount  outstanding  on  the  Account  cannot  exceed  the  primary 
cardholder’s Credit Limit. The Credit Limit amount you assign will reset 
each  month  on  the  date  of  your  Monthly  Periodic  Statement,  and  the 
additional card holder Authorized User will have access to their entire 
Credit  Limit,  subject  to  the  total  amount  of  available  credit  on  the 
Account. Monthly Periodic Statements, disclosures and notices for the 
primary cardholder’s Credit Card and each Authorized User’s additional 
Credit Card will be sent only to the address we have for you in our fles. 

VARIABLE ANNUAL PERCENTAGE RATE & 
INTEREST CHARGES 
ANNUAL PERCENTAGE RATE (APR). The APRs and periodic rates are 
shown on your Account Opening Disclosures. 

VARIABLE RATES. If a rate is a variable rate, we calculate the rate by 
adding a percentage to the Prime Rate. This percentage is shown on your 
Account Opening Disclosures. To calculate the Prime Rate, we use the 
U.S. Prime Rate published in The Wall Street Journal (Journal) on the last 
day of each month. If the Journal is not published on that day, then see 
the immediately preceding edition. A variable APR can either increase or 
decrease, as the Prime Rate changes. A change in a variable APR will 
be effective for the billing cycle that ends in the second month after the 
Prime Rate change. We use the APR to determine your Interest Charge 
on any outstanding balance you have not paid in full by the Payment 
Due Date. If an APR increases, your payment amount and the Interest 
Charges may also increase. A variable APR applicable to your Account 
can change each billing cycle. Your APR, in no event, will be higher than 
applicable state usury laws allow. 

AVERAGE DAILY BALANCE. The amount of interest we charge you is 
called an Interest Charge. We calculate your Interest Charges each billing 
cycle by using the Average Daily Balance (including new transactions) 
method.  We  do  this  separately  for  each  balance  category  on  your 
Account (e.g. Purchases, Balance Transfers, Cash Advances, and each 

promotional  balance).  For  each  balance  category,  to  determine  the 
Average Daily Balance, we must frst calculate the daily balance. 

To calculate the daily balance, we will: 

•  take  the  beginning  balance  of  that  balance  category  each  day 

(any credit balance is treated as a zero balance); then 

•  add any new transactions of that type that occurred on that day; 

then 

•  subtract the applicable portion of any payments or credits; then 
•  subtract  any  unpaid  Fees  that  have  posted  to  that  balance 

category during the billing cycle; then 

•  subtract any unpaid interest that may have been charged to you 

for transactions in that balance category. 

Then, to calculate your Average Daily Balance, we will: 

•  add up all the daily balances for the billing cycle; then 
•  divide the total by the number of days in the billing cycle. 

If a transaction occurred before the start of a new billing cycle but 
posts afterwards, we will include that transaction on the frst day’s 
transactions of the new billing cycle. 
You authorize us to use equivalent processes that result in substantially 
similar outcomes except for minor variations due to rounding. 

CALCULATING INTEREST CHARGES. Interest Charges begin to accrue 
on Purchases (unless your Account is subject to a Grace Period, see 
“GRACE PERIOD” section of this agreement), Balance Transfers, and 
Cash Advances on the transaction date, and will continue to accrue until 
you pay the entire New Balance in full. The Interest Charges that accrue 
up to that billing cycle’s statement closing date will be shown on the 
Monthly Periodic Statement for that billing cycle. 

To calculate Interest Charges each billing cycle, we will: 

•  determine  your  monthly  periodic  rate  (“MPR”)  by  dividing  the 

applicable APR by 12; then 

•  multiply the Average Daily Balance for that balance category by 

the MPR. 

GRACE  PERIOD  FOR  PURCHASES.  You  may  have  an  interest-free 
period  (“Grace  Period”)  to  repay  your  balance  for  Purchases  before 
Interest Charges are imposed. 

We will not charge you interest on new Purchases when: 

•  your New Balance shown on your Monthly Periodic Statement 
for the previous billing cycle is paid in full by the Payment Due 
Date; 

•  your Previous Balance is zero; or 
•  your Previous Balance is a credit balance. 

If none of these conditions occur, Interest Charges will be imposed on 
Purchases from the date they are posted to your Account. The next time 
you pay your entire New Balance in full by the Payment Due Date, the 
Grace Period will apply to new Purchases in the billing cycle they are 
made. The next billing cycle in which you pay your entire New Balance 
in full by the Payment Due Date, the Grace Period will again apply to 
Purchases. 
The Grace Period applies to Purchases only. There is no Grace Period 
for Cash Advances and Balance Transfers. There is no time period within 
which to repay Cash Advances or Balance Transfers without incurring 
Interest Charges. 

NEW BALANCE. To calculate your New Balance at the end of each billing 
cycle, we take your balance at the start of your billing cycle (Previous 
Balance) and: 

•  add any new transactions posted during the billing cycle; then 
•  subtract any credits or payments posted during the billing cycle; 

then 

•  add any Interest Charges or Fees incurred during the billing cycle; 

and 

•  make any applicable adjustments (such as disputed charges). 

PAYMENTS 
WAYS  TO  MAKE  YOUR  PAYMENT.  Payments  must  be  made  by  the 
Payment Due Date shown on your Monthly Periodic Statement. If your 
payment falls on a weekend or legal holiday it will be due the following 
business day. You can make payments in the following ways: 

•  in person at any Arvest Branch; 
•  by contacting us by phone utilizing either the Interactive Voice 

Response system (IVR) or Customer Service agent; 

•  by mailing your payment to the address shown on your Monthly 

Periodic Statement; 

•  by  utilizing  a  bill  pay  service  provided  by  another  banking 

institution; or 

•  by making an electronic payment through your online Account. 

You can set up your online Account at www.arvest.com. 

You must pay in U.S. dollars. Please do not send cash. 
All checks must be drawn on funds on deposit in the United States. 
We may refuse to accept a payment in a foreign currency. If we do accept 
it, we will charge your Account our cost to convert it to U.S. dollars. 
We  can  accept  late  payments,  partial  payments  or  payments  marked 
“payment in full” or with any other restrictive endorsement without losing 
any of our rights under this Agreement. 
If a third party makes a payment on your Account and we return all or a 
part of such payment, then we may adjust your Account for any amount 
returned. We reserve the right to defend ourselves against any demand 
to return funds we have received, and may agree to a compromise of the 
demanded amount as part of a settlement. 

MINIMUM MONTHLY PAYMENT. You must make all monthly payments 
by the Payment Due Date shown on your Monthly Periodic Statement. 
You have the option to pay your Account in full at any time. You may 
choose to pay less than the entire New Balance but not less than the 
Minimum Payment due, unless we require immediate payment of your 
entire outstanding balance in full (see default section). Paying only the 
Minimum Payment due will extend the time it takes you to pay off your 
outstanding balance. 

MINIMUM  PAYMENT  DUE  CALCULATION.  The  Minimum  Payment 
due  is  the  minimum  dollar  amount  shown  on  your  Monthly  Periodic 
Statement that must be paid by the due date that is specifed each month. 
If the New Balance is less than $20.00, the Minimum Payment will equal 
the New Balance. Otherwise, to calculate your Minimum Payment we 
start with any past due amount or over limit amount. We then add the 
greater of: 

•  $20.00, or 
•  the billed Interest Charges, any billed Late Payment Fees, plus 1% 

of the New Balance. 

We round the amount of the Minimum Payment Due to the nearest dollar. 
The  New  Balance  amount  will  include  Fees  that  have  posted  to  your 
Account. Fees can include Returned Check Fees, Cash Advance Fees, 
Balance Transfer Fees, or Late Payment Fees (we describe these Fees 
in the “FEES” section of this Agreement). The New Balance, including 
Fees, will be used to calculate the Minimum Payment Due. 

APPLICATION OF PAYMENTS TO YOUR ACCOUNT. We reserve the right 
to apply payments and credits in the manner we choose, provided we 
comply with applicable Federal and State laws. We apply payments to 
your Account by: 

•  crediting  the  amount  of  your  payment  that  is  equal  to  the 
Minimum Payment due, frst to any Interest Charges and other 
charges and fees posted to your Account; then 

•  if your Account has balances with different APRs, we will credit 

the balances with lower APRs frst. 

We apply the portion of your payment that is more than the required 
Minimum Payment due by: 

•  frst applying the excess amount to balances with the highest 

APRs; then 

•  applying the remaining amount of your payment to balances 

with lower APRs (if any), in descending APR order. 
Payments received Monday through Friday at any Arvest branch during 
branch hours will be credited the day they are received. If the payment 
due  date  falls  on  a  Saturday,  Sunday,  or  a  legal  holiday,  the  payment 
will be considered made on time when it is made on the next business 
day. Payments received by mail by 5pm Central Time will be credited on 
that business day. We may delay increasing your available credit by the 
amount of any payment that we receive for up to ten days. 
If you pay more than the entire outstanding balance of your Account, we 
will credit the excess to your Account, unless you request we send you a 
check for the excess payment once the payment clears. 

FEES 
ANNUAL  FEE.  If  Your  Account  has  an  annual  fee,  it  is  shown  on  the 
accompanying Account Opening Disclosure (Disclosure). 

RETURNED  CHECK  FEE.  We  will  charge  your  Account  a  returned 
payment  fee,  as  indicated  on  the  Disclosure,  each  time  a  check  or 
electronic payment cannot be processed or is not honored even if the 
payment is honored after we resubmit it. This fee will never exceed the 
Minimum Payment Due that was due immediately prior to the date on 
which the payment was returned to us. 

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CASH ADVANCE FEE. We will charge a Cash Advance Fee as shown 
on the Disclosure, in addition to the Interest Charge. All Cash Advances, 
including Cash Advances made with convenience checks, are subject to 
a minimum of $4.00 each time cash is advanced. We will charge Cash 
Advance  Fees  on  cash-like  transactions  made  with  your  Credit  Card. 
Cash-like  transactions  include  purchases  of  traveler’s  checks,  money 
orders,  foreign  currency,  lottery  tickets,  casino  and  similar  in-person 
betting transactions, and wire transfers. 

BALANCE TRANSFER FEE. We will charge a Balance Transfer Fee as 
shown on the Disclosure, in addition to the Interest Charge, if any. All 
Balance  Transfers  are  subject  to  a  minimum  of  $10.00  each  time  a 
balance is transferred from another creditor to your Account. 

LATE PAYMENT FEE. We will charge a Late Payment Fee, as disclosed 
on the accompanying Disclosure, if you do not pay at least the Minimum 
Payment due on or within 10 days after the Payment Due Date. This fee 
will never exceed the Minimum Payment due that was due immediately 
prior to the date on which the fee was assessed. 

FOREIGN TRANSACTION FEE. We will charge a Fee, as shown on the 
Disclosure, for each Foreign Transaction. A “Foreign Transaction” is any 
transaction (1) made in a foreign currency, or (2) made in U.S. dollars 
if  the  transaction  is  made  or  processed  outside  of  the  United  States. 
Foreign Transactions include, for example, online transactions made in 
the U.S. but with a merchant who processes the transaction in a foreign 
country. 

FOREIGN EXCHANGE/CURRENCY CONVERSION. When you use your 
Credit Card to make a Purchase or Cash Advance, or when you receive a 
credit in a foreign currency, the transaction will be converted into a U.S. 
dollar amount by VISA using their currency conversion procedures, and 
then they will send us the transaction amount. The exchange rate will 
be determined using either the range of rates available in the wholesale 
currency markets for the processing date (which may be different from 
the rate VISA receives) or a government-mandated rate in effect on that 
date. The exchange rate used by Visa may differ from the rate on the 
date of your transaction. If you receive a credit on a different day than 
the  original  transaction  date,  the  exchange  rate  of  the  credit  could  be 
different from the original transaction amount. Foreign purchases may 
include online purchases from foreign merchants. You agree to accept 
the converted amount in U.S. dollars. 

TRANSACTIONS 
WAYS TO USE YOUR CARD ACCOUNT. You may purchase goods or 
services when you present your Credit Card or when you provide your 
Account  number  and  Account  information  to  participating  merchants. 
You can provide your Account number to merchants either in person, 
online, or by telephone. You may use your Credit Card to receive Cash 
Advances in person from us or other participating fnancial institutions, 
or by using one of the convenience checks we may periodically send to 
you. You may transfer balances from other credit cards not issued by 
us to your Account. Cash Advances and Balance Transfers are subject 
to fees and Interest Charges, when applicable, and your available Credit 
Limit. We are not responsible when anyone refuses to honor your Credit 
Card or convenience checks. 

•  “Purchase” means the use of your Account to purchase or lease 

goods or services at participating merchants. 

•  “Balance  Transfer”  means  a  balance  transferred  from  another 

creditor to your Account. 

•  “Cash  Advance”  means  the  use  of  your  Account  to:  obtain 
cash  from  participating  automated  teller  machines,  fnancial 
institutions  or  other  locations;  purchase  lottery  tickets,  money 
orders, casino chips, foreign currency, or similar items. 

•  “Convenience  Check”  means  any  check  we  send  to  you  to 
access your Account. The check will indicate whether it will be 
treated as a Purchase, Balance Transfer, or Cash Advance. You 
may not use these checks to pay any amount you owe us. 

RETURNS AND REFUNDS. Cash refunds will not be issued to you when 
you return merchandise purchased with your Credit Card. You will receive 
a credit to your Account for the amount of the returned merchandise. The 
merchant is responsible for issuing the credit. It is not our responsibility 
when the merchant does not promptly issue the credit owed to you. 

DEFAULT AND ACCOUNT CANCELLATION 
DEFAULT. You will be in default of this Agreement if one of the following 
occurs: 

•  you fail to make the full amount of your Minimum Payment when 

due; 

•  we reasonably believe you are unable or unwilling to pay; 
•  you fle bankruptcy, or another insolvency proceeding is fled by 

you or against you; 

•  you die or are declared legally incompetent or incapacitated; or 
•  you fail to perform any condition or keep any promise of this or 

any Credit Card agreement you have made with Arvest. 

IMMEDIATE PAYMENT OF OUTSTANDING BALANCE IN FULL. If you 
are in default, we have the right to require immediate payment of your 
entire  outstanding  balance.  If  you  do  not  pay  the  entire  outstanding 
balance,  we  can  require  you  to  pay  any  expenses  associated  with 
collecting the amount you owe. We may refer your Account for collection 
to an attorney who is not a salaried employee. If we do this, we can 
require  you  to  pay  a  reasonable  attorney’s  fee,  as  determined  by  the 
amount established by the Administrator of the Oklahoma Department 
of Consumer Credit. 

CANCELLATION OF YOUR ACCOUNT. You may cancel your Account. 
You  will  remain  responsible  for  any  amount  you  owe  us  under  this 
Agreement.  Any  joint  Accountholder  may  cancel  a  joint  Account. 
However,  both  of  you  will  remain  responsible  for  paying  all  amounts 
owed. We may cancel, suspend, or not renew your Account at any time 
without notice. 

CREDIT  AUTHORIZATIONS.  We  may  not  authorize  a  transaction  for 
security or other reasons. We will not be liable to you if we decline to 
authorize a transaction or if anyone refuses your Card, Check or Account 
number. 

AUTOMATIC  PAYMENTS.  You  may  set  up  automatic  billing  or  store 
your Account information with a merchant, wallet provider, or other third 
party. If your Account information changes, which may include billing 
address,  you  authorize  us  to  provide  this  updated  information  to  any 
such merchant, wallet provider, or other third-party at our discretion. You 
must contact the merchant, wallet provider, or other third-party directly 
or remove your Credit Card information from the merchant site, wallet 
provider, or third-party if you wish to stop automatic billing or Account 
updates. 

CREDIT REPORTING 
CREDIT INVESTIGATIONS. You authorize us to investigate and use your 
credit information to evaluate your credit history, personal or fnancial 
standing, and employment. You also authorize us to report information 
about your Account to other creditors and credit reporting agencies. We 
may share negative account information regarding your late payments, 
missed  payments,  or  other  defaults  on  your  Account  with  consumer 
reporting  agencies.  This  information  may  be  refected  in  your  credit 
report. If you believe we have reported incorrect information about your 
Account, call us at 1-800-356-8085 or write to us at Arvest Bank, P.O. 
Box  6139,  Norman,  OK,  73070.  Please  include  your  name,  address, 
phone  number  and  Account  number  and  information  that  is  being 
disputed. We will investigate the matter for you. If we fnd we have made 
an error, we will request a correction from each credit bureau to which 
we have reported. If we do not fnd we have made an error, we will notify 
you. 

COMMUNICATIONS AND 
INFORMATION SHARING 
COMMUNICATING WITH YOU. Consent to contact by electronic and 
other means. If you have provided us with your cell phone number, or 
another number that you later convert to a cell phone number, you agree 
that  we  (and  our  affliates,  agents,  and  contractors)  may  contact  you 
at this number. You also agree to receive calls and messages, such as 
pre-recorded  messages,  calls,  and  messages  from  automated  dialing 
systems, or text messages. We may contact you at any address that 
you may provide to us from time to time. We may use any means of 
communication, including, but not limited to, postal mail, electronic mail, 
telephone, or other technology, to reach you. We may contact you for 
any lawful reason, including for the collection of amounts owed to us 
from  time  to  time  in  compliance  with  our  Privacy  Policy  in  effect.  No 
such  contact  will  be  deemed  unsolicited.  Normal  cell  phone  charges 
may  apply.  You  may  contact  us  at  (800)  356-8085  during  business 
hours to ask that we not contact you using any one or more methods 
of technologies. 

TELEPHONE MONITORING AND RECORDING. From time to time, we 
(and our affliates, agents, and contractors) may monitor and/or record 
telephone calls regarding your Account with us to assure the quality of 
our service, and you agree to any such monitoring or recording. We treat 
all customer calls as confdential. 

NOTICES.  All  notices  are  considered  delivered  to  you  as  of  the  date 
they are mailed, not the date you receive them. We will mail all required 
notices to you at the address we have on fle. You agree to notify us 
immediately if your address changes. You can call (800) 356-8085 or 
mail your change of address to Arvest Bank, P.O. Box 6139, Norman, OK, 
73070. We may also update your address if we receive notifcation by 
the U.S. Postal Service that your address has changed. 

CHANGES TO YOUR AGREEMENT 
AGREEMENT CHANGES. We have the right to add, delete, or change any 
term of this Agreement at any time, with written notice to you as required 
by  state  or  federal  law.  If  required  by  law,  we  will  give  you  advance 
written notice of the change(s) and a right to reject the change(s). We 
will not charge any fee or interest charge prohibited by law. 

INVALIDITY. If one or more provisions of this Agreement become invalid 
or unenforceable, the remaining terms and conditions will stand on their 
own and will not be affected. 

LIABILITY FOR UNAUTHORIZED USE 
LOSS  OR  THEFT  OF  CARD.  You  agree  to  notify  us  immediately  if 
your  Credit  Card  is  lost  or  stolen,  or  if  you  suspect  your  Credit  Card 
or Account number has been used without your permission, by calling 
1-800-356-8085. Calling us reduces the chances of a loss. You may 
also  contact  us  at  www.arvest.com,  or  write  to  us  at  P.O.  Box  6139, 
Norman, Oklahoma 73070. You may be liable for any unauthorized use 
that occurs before you tell us, but your liability for any unauthorized use 
will not exceed $50. 

MISCELLANEOUS 
ASSIGNMENT.  We  may  sell,  assign,  or  transfer  your  Account  or  any 
portion of it without notice to you. You may not sell, assign, or transfer 
your Account without frst obtaining our prior written consent. 

NON-WAIVER. We may delay enforcing or not enforce any of our rights 
under this Agreement without losing or waiving any of them. 

APPLICABLE LAW. This Agreement is made in Oklahoma and we extend 
credit to you from Oklahoma. This Agreement is governed by Oklahoma 
law (without regard to its confict of laws principles) and by applicable 
federal law. You will not be liable for Interest Charges or other charges in 
excess of the maximum allowed by law. 

IMPORTANT  INFORMATION  REGARDING  THE  MILITARY  LENDING 
ACT.  Federal  law  provides  important  protections  to  members  of  the 
Armed Forces and their dependents relating to extensions of consumer 
credit. In general, the cost of consumer credit to a member of the Armed 
Forces and his or her dependent may not exceed an annual percentage 
rate of 36%. This rate must include, as applicable to the credit transaction 
or Account: the costs associated with credit insurance premiums; fees 
for ancillary products sold in connection with the credit transaction; any 
application fee charged (other than certain application fees for specifed 
credit transactions or accounts); and any participation fee charged (other 
than certain participation fees for a credit card account). 
If you are covered by the Military Lending Act, notwithstanding anything 
to the contrary in this Agreement, to the extent required by the Military 
Lending Act, nothing in this Agreement will be deemed a waiver of the 
right to legal recourse under any otherwise applicable provision of state 
or federal law. 
If  you  would  like  to  hear  about  your  Military  Lending  Act  rights  and 
payment  information  about  this  Agreement,  please  contact  us  at 
1-877-443-6037. 

YOUR BILLING RIGHTS 
YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE. This 
notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act. 

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 
If you think there is an error on your statement, contact us in writing at 
Arvest Bank, P.O. Box 6139, Norman, Oklahoma 73070. You may also 
contact us on the web at www.arvest.com. In your communication, give 
us the following information: 

•  Account information: Your name and Account number 
•  Dollar Amount: The dollar amount of the suspected error 
•  Description of the problem: If you think there is an error on your 
bill, describe what you believe is wrong and why you believe it is 
a mistake 

You must contact us as follows: 

•  Within 60 days after the error appeared on your statement 
•  At least three (3) business days before an automatic payment is 
scheduled, if you want to stop payment on the amount you think 
is wrong 

You must notify us in writing or electronically of potential errors. If you 
call us, we are not required to investigate any potential errors, and you 
may have to pay the amount in question. 

WHAT  WILL  HAPPEN  AFTER  WE  RECEIVE  YOUR  WRITTEN  OR 
ELECTRONIC COMMUNICATION 
When we receive your communication, we must do two things: 

1.  Within 30 days of receiving your communication, we must tell 
you that we received it. We will also tell you if we have already 
corrected the error. 

2.  Within 90 days of receiving your communication, we must either 
correct  the  error  or  explain  to  you  why  we  believe  the  bill  is 
correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as 

delinquent on that amount. 

•  The charge in question may remain on your statement, and we 

may continue to charge interest on that amount. 

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 

After we fnish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other charges related to that amount. 
•  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and charges. 
We will send you a statement of the amount you owe and the date your 
payment is due. If you do not pay the amount you owe, we may report 
you as delinquent. 
If you receive our explanation but still believe your bill is wrong, you must 
contact us in writing or electronically within 10 days telling us you still 
refuse to pay. If you do this, we cannot report you as delinquent, and 
we must let those organizations know when the matter has been settled 
between us. 
If we do not follow all the rules above, you do not have to pay the frst 
$50.00 of the amount you question, even if the bill is correct. 

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD 
PURCHASES 
If you are dissatisfed with the goods or services you have purchased 
with  your  Credit  Card  and  you  have  tried  in  good  faith  to  correct  the 
problem  with  the  merchant,  you  may  have  the  right  not  to  pay  the 
remaining  amount  due  on  the  Purchase.  To  use  this  right,  all  of  the 
following must be true: 

1.  The Purchase must have been made in your home state or within 
100  miles  of  your  current  mailing  address,  and  the  purchase 
price must have been more than $50.00. (Note: neither of these 
are necessary if your purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the 
goods or services). 

2.  Cash  Advances  do  not  qualify.  Cash  Advances  include  the 

following: 
•  transactions made with your Credit Card for cash withdrawals 

at an ATM or with a teller 

•  cash-like  transactions  with  your  Credit  Card  (see  FEES 

section for a list of cash-like transactions) 

•  purchases  made  with  a  convenience  check  that  accesses 

your Account 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfed with the 
Purchase, contact us in writing at Arvest Bank, P.O. Box 6139, Norman, 
Oklahoma  73070,  or  electronically  at  www.arvest.com.  While  we 
investigate,  the  same  rules  apply  to  the  disputed  amount  as  detailed 
above. After we fnish our investigation, we will tell you our decision. At 
that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent. 

IF YOUR CREDIT CARD IS LOST OR STOLEN, PLEASE CALL US AS 
SOON AS POSSIBLE AT 1-800-356-8085. 

F03-Y472-0 -0520 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PERSONAL CREDIT CARD TERMS & CONDITIONS 

Interest Rates & Interest Charges 

0%

 19.40% 

12.40%

0%

 19.40% 

12.40%

 15.40% 

 15.40% 

19.40% 

 15.40% 

12.40%

Fees 

• 

• 

• 

• 
• 

ﬁ

$4 4%

1%

$20 
$25