Important Disclosures These are effective as of April 1, 2018. Subject to change. Contact us at 800.854.7642 or by mail at PO. Box 723847 Atlanta, GA 31139-0847 with any questions you may have.     Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 10.99% This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers 2.99% introductory APR for 6 billing cycles. After that, your APR will be 10.99%. This APR will vary with the market based on the Prime Rate.     APR for Cash Advances 14.49% This APR will vary with the market based on the Prime Rate. Penalty APR and 22.99%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: When it Applies (1) Make a late payment (2) Make a payment that is returned (3) Do any of the above on any other account held with us How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, we may keep them at this higher level indefinitely or until we receive six (6) consecutive payments by the required due date.   Paying Interest Your payment due date is at least 25 days after the close of each billing period. We will not charge you periodic interest on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if your entire balance on your previous billing statement is paid in full by the due date on that statement. There is no time period in which to avoid periodic interest on cash advances or balance transfers.   Minimum Interest Charge The minimum charge for interest will be no less than $1.00 or such minimum determined by the State in which you are a resident at the time of application.   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 $35.00 per account Transaction Fees: Balance Transfer Either $10.00 or 4.0% of the amount of each transfer, whichever is greater. Cash Advance Either $10.00 or 5.0% of the amount advanced, whichever is greater. , ; No foreign transaction fee is charged on purchases made outside of the United States. However, Foreign Transaction there may be circumstances where ATMs or other merchants charge a fee on these transactions. Penalty Fees: Late Fee Up to $35.00 Over the Credit Limit None Return Check Charge $25.00 per item       How We Will Calculate Your Balance: The method used to calculate your balance is called “average daily balance (including new purchases). See cardholder agreement for more details. Variable Rate Information: Your APRs will vary with the market based on the Prime Rate. The Prime Rate is the highest FI prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement that will be provided to you before you can begin using your new card.WORLD CONSUMER for Mastercard IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. CARDHOLDER AGREEMENT: You agree to be bound by the terms of the Cardholder Agreement, which will be sent with the card. You also agree that the Cardholder Agreement and the account are governed by Arkansas and Federal law. The terms of your account, including rates and fees, are subject to change to the extent permitted by law. ARBITRATION AGREEMENT: (Agreement to Arbitrate) Arbitration is a method of deciding disputes outside the court system. Your Cardholder Agreement will include an Arbitration Provision (the “Provision’), which governs when and how any disputes you and we may have will be arbitrated instead of decided in court. INFORMATION SHARING: First Arkansas Bank and Trust's Privacy Policy is available online at www.24-7cardaccess.com STATE LAW NOTICES Finance charges not in excess of those permitted by law will be charged on outstanding balances from month to month. You may at any time pay all or part of your unpaid balance. CALIFORNIA RESIDENTS: Applicant, if married, may apply for a separate account. DELAWARE and MARYLAND RESIDENTS: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law on the outstanding balances from month to month. MARYLAND RESIDENTS: You have the right under Section 12-510 of the Commercial Law Code to receive an answer to a written inquiry concerning the status of your account. NEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable law, they may be void, unenforceable or inapplicable in New Jersey. NEW YORK RESIDENTS: Call the New York State Banking Department at (880) 518-8866 for a comparative list of credit card rates, fees and grace periods. OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Terms and Conditions WISCONSIN RESIDENTS: We will not charge you attorneys’ fees, court costs or other collections costs incurred as a result of your default. MARRIED WISCONSIN RESIDENTS: No provisions of any marital property agreement, unilateral statement under section 766.59 or court decree under section 66.70 will adversely affect the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse position when the obligation to the creditor is incurred. We are required to ask you to provide the name and address of your spouse. AUTO-PAYMENT (ACH) AUTHORIZATION You authorize us, or our servicer, to initiate Automated Clearing House (‘ACH”) debit entries to the Financial Institution account(s) that you identify on this form (‘Financial Institution Account’) on each monthly payment due date, to pay the amount you select (but not exceeding the then current balance of your account), and to re-initiate a debit entry after notification that a debit entry has been dishonored, (in accordance to NACHA rules). You have the right to receive notice of all electronic fund transfers from your Financial Institution Account that vary in amount, and by signing the ACH Authorization, you agree that your monthly billing statement will serve as your notice of the amount of your monthly payment. YOU ARE NOT REQUIRED TO AGREE TO THIS ACH AUTHORIZATION IN ORDER TO OBTAIN AN EXTENSION OF CREDIT FROM US. Automatic payment is offered for your convenience. You may make additional payments by any accepted means, but any such payments will have no effect on the initiation of payments under this authorization. You acknowledge that you are voluntarily choosing to pay electronically. You understand and acknowledge that you may terminate the ACH Authorization by notifying us at Card Assets, PO. Box 723847 Atlanta, GA 31139-0847 in such time and manner as to afford us and your Financial Institution a reasonable opportunity to act on it. You also authorize us to verify all of the information that you have provided to us, as well as certain past and/or current information. If there is any missing or erroneous information in or with the information that you have provided to us regarding your Financial Institution, Financial Institution routing and transit number, or Financial Institution Account number, then you authorize us to verify and correct such information. If you or we terminate automatic payments, then you will be responsible for paying all amounts that you owe us by other acceptable means. @®, Recycled Yaw 30%PCw CA-1A 2018-04-01 v4.0