Consumer Credit Card Agreement and Disclosure Statement 

Effective Date 01/03/2022 

M-134920 

1.0 : ISSUER. Your Card has been issued by Zions Bancorporation, N.A. Your Account is  with Zions Bancorporation, 
N.A. (<Bank=) and will be administered by the Bank’s Bankcard Services department. Your Credit Card, monthly 
statement, and other associated materials will bear the name of one of the following Bank affiliates: Zions First 
National Bank, National Bank of Arizona, Nevada State Bank, Amegy Bank, California Bank & Trust, or Vectra Bank 
Colorado name. 

1.1 : THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bancorporation, N.A. 
that governs your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for 
your credit card Account. This Consumer Credit Card Agreement includes the disclosures included on the card carrier 
containing the Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and 
constitutes your Agreement with us that covers your credit card Account. Review this Agreement carefully and keep it in 
your records. 
1.2 : ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier 
of (a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to 
decline this Agreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by 
calling 1-866-749-7459 or writing to the address on the carrier containing your Card. 
1.3 : DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement 
and in your monthly statement. 
Bank: Means Zions Bancorporation, N.A., the issuer of your Card and holder of your Account. 
We, us, and our: Refer to Bank. 
You and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the 
primary applicant and any co-applicant. 
Account: Means your Visa credit card account, together with the associated account number, all credit that we extend 
under that  account, and any Card issued and any Credit Card Checks made available under that account. 
Card Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card. 
Card Application: Means your credit application for your Account. 
Card: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account. 
Credit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account. 
Outstanding Balance: Means the entire amount owing on your Account at any given time. 
Cash Back: Is a cash-back rebate program of Bank for certain types of Accounts. 
Credit Card Checks: Means checks that Bank may provide you to access your Account. 
Margin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank’s 
determination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you 
use your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of 
such change. 
1.4 : AMENDING THIS AGREEMENT. We may amend, add or delete (i.e., <change=) any term of this Agreement at 
any time. We will notify you of any change, and any right to reject that change, as required by law. To reject a change, 
you must inform us in the manner and time period specified in our notice. We will then close your Account and you will be 
required to pay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may 
obtain that consent from you verbally, in writing or electronically. Whether or not consent is required, any further use of 
your Account after the effective date of the change shall constitute your consent and acceptance. Unless a longer period 
is specified by law, a reasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be 
printed on, or enclosed with, your monthly statement. 
1.5 : CREDIT LIMIT. Your Account’s initial Credit Limit appears on the carrier containing your Card. Your updated Credit 
Limit appears on each monthly statement. You must not use or allow others to use your Card or Account in a way that 
causes your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it 
exceeds your Credit Limit. We may increase or decrease your Credit Limit at any time and will notify you of such change. 
You may request a change in your Credit Limit by contacting us. 

2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can 
require you to surrender your Card to us, or to any merchant or financial institution where you have presented the Card. 
The Card is not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any 
time. You may request additional Cards at no additional cost for family members or other persons that you authorize to 
use your Account, but you remain responsible for all of their charges. 

3.0 : USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card 
network rules and the law, your Card and Account can be used for the following: 

 
 
 
 
3.1 : Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted. <Quasi-cash 
transactions= such as using your Card for money orders, traveler’s checks, foreign currency, lottery tickets, or gambling 
chips are treated as cash advances, not purchases. (See Section 3.2 below.) 

3.2 : Cash Advances. The Card may be used to obtain cash advances from your Account in person in a Bank branch, 
at a Bank ATM, or at an ATM in the participating ATM networks listed on the back of your Card.  Your Card may also 
be used to make an online transfer of cash advance funds from your Account to a deposit account you maintain at the 
Bank. Cash advances are subject to Bank transaction fees and limits, for example, (a) the sum of all ATM cash 
advances made on any calendar day may not exceed $500 (or $2000 for Signature Accounts) and (b) the outstanding 
total of all cash advances from your Account may not exceed 25% of Credit Limit (only applicable to AmaZing, 
Premier, Elite, Reserve, Agility Cash, Clarity, and Vivid Rewards products). Based on risk, we may further limit cash 
advances in our sole discretion. We have no obligation to you to enforce cash advance limits, and you are responsible 
for all cash advances made on your Account. Using your Card to withdraw cash from an ATM located outside of the 
United States may cause your Account to incur foreign bank service charges and out-of-network ATM fees. Some 
ATMs may have additional fees and limits. You will not earn any rewards points or cash back rebates on a cash 
advance. 
3.3 : Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to 
pay off other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 3 to 4 weeks to 
process your balance transfer request. During that time, you should continue making payments to those accounts. 
Transaction Fees apply. You will not earn any rewards points or cash back rebates on a balance transfer. 
3.4 : Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check 
creates a cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank’s property and must be 
returned upon request. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. 
You cannot stop payment on a Credit Card Check. 
3.5 Checking Account Balance. You can confirm your Account balance at any time by accessing our online banking 
service or mobile banking app or by visiting an ATM in the participating ATM networks listed on the back of your Card. 
You may also confirm your account balance by calling our Customer Service Office or by referring to your monthly 
credit card account statement. 

4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account 
during the preceding billing period. Your monthly statement will show the total amount you owed at the end of the 
billing period, your minimum payment due, your payment due date (which is at least 25 days from the monthly 
statement closing date), and other important information. We send your monthly statement to only one address, even if 
the Account has multiple owners. See the <BILLING RIGHTS SUMMARY= section near the end of this Agreement for 
important information (including the need to promptly review your monthly statement and report any errors). 

5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing 
period appears as the <New Balance= on your monthly statement. The Outstanding Balance at the end of the previous 
billing period is called the <Previous Balance=. The New Balance is determined by taking the Previous Balance and (1) 
subtracting any payments and credits received by us during the current billing period and then (2) adding any 
purchases, cash advances, balance transfers, interest charges, fees, and other adjustments. 

6.0 : PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. 
Payments must be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must 
pay all conversion fees, bank collection fees and other expenses we may incur. (Such fees and expenses are 
treated as purchases.) Do not send cash payments. 
6.1 : Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not 
received by 5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may 
be a delay in posting your payment to your Account. Such delay may result in a late payment fee and additional 
interest charges. 
6.2 : Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the 
New Balance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and 
(2) the greater of: (a) $30 plus any late payment fees, or (b) 2.5% (1.75% for Agility Cash Credit Card, Clarity Credit 
Card, and Vivid Rewards Credit Card) of the New Balance plus interest charges and any late payment fees. (For Visa 
Signature Cards, in addition to the foregoing amounts, your minimum payment amount will include the full amount by 
which your New Balance exceeds your credit limit.) For all cards, making only the minimum payment will increase 
the amount of interest you pay and the time it takes to repay your balance. 
6.3 : Application of Payments. Payments credited to your Account during a billing period will be applied first to 
unpaid interest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), 
and then to each successive balance bearing the next higher APR until the payment is exhausted. You must pay at 
least the minimum payment amount on your statement each month, even if you paid more than the minimum 
payment in an earlier month. 
6.4 : Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement 

 
 
 
 
 
(such as <paid in full= or <in settlement=). We can receive and credit your Account with the amount of any late 
payments, partial payments or payments with restrictive endorsements without losing or waiving our right to receive 
timely payment in full. 

6.5 : Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on 
risk, however, we may delay when that payment increases your Account’s available credit. 
6.6 : Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty. 

7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and Fees and other disclosures 
are found on the Table at the end of this agreement. The card carrier containing your Card also includes 
disclosures specific to your Card Account. The terms of these disclosures are incorporated by reference into 
this Agreement. Review these disclosures carefully and keep in your records. 

8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not 
received at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this 
Agreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have 
furnished false or misleading information on the Card Application; (e) you are in default under any other obligations you 
may owe to us; or (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this 
Agreement. If your Account is in default, we may declare the Outstanding Balance immediately due and payable, close 
your Account, and recover all Cards and unused Credit Card Checks. 

9.0: ATTORNEYS’ FEES; COLLECTION EXPENSES; VENUE FOR LEGAL ACTIONS. You agree to pay our 
reasonable collection expenses, whether or not any court or arbitration proceedings are filed. Collection expenses 
include reasonable attorneys’ fees, the cost of Bank staff (including in house counsel), and out-of-pocket expenses 
(whether or not such expenses are awardable as <court costs=). Unless prohibited by law, you agree that we may bring 
a legal action against you in the state of your residence at the time you opened the Account. 

10.0 : INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or 
the closing of your Account. 

10.1 : Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge 
periodic interest on purchases and balance transfers if you pay in full the total New Balance listed on the previous 
monthly statement by the payment due date. Otherwise, we will charge periodic interest on each purchase and 
balance transfer from the date of that purchase or balance transfer transaction. For every cash advance we charge 
interest from the date of that transaction. There is no grace period during which a cash advance can be repaid without 
incurring an interest charge. 
10.2 : Periodic Interest Charge Calculation(s). There is no minimum interest charge. The interest charged on 
purchase transactions and balance transfer transactions is calculated separately from the interest charged on cash 
advances. 
Those separately calculated interest amounts are then combined to determine the total interest charged for the billing 
period. For each category of transactions, interest is calculated as follows. (1) First, we determine the <average daily 
balance= by taking each day’s beginning balance, adding any new transactions, and subtracting any payments or 
credits. We do not add interest incurred during the billing period. The result is the <daily balance.= We then add all the 
daily balances for the billing period and divide by the number of days in the billing period. The result is the <average 
daily balance= (also called the <balance subject to interest charge= on your monthly statement). (2) Second, we multiply 
the average daily balance by the number of days in the billing period. That number is then multiplied by the daily 
periodic rate (DPR) for that category of transactions. The resulting number is the interest charged for that category of 
transactions. 

11.0 : ANNUAL PERCENTAGE RATE (<APR=) AND DAILY PERIODIC RATE (<DPR=). The APR and DPR for all 
transactions are variable rates. The APR for a particular billing period is the sum of the Bank’s <Prime Rate= for that 
billing period plus a <Margin.= The applicable Margin depends on the type of transaction and the type of credit card 
Account. Daily periodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). 
The APR and DPR on the Effective Date are disclosed on the card carrier. The actual APR in effect for each billing 
period, and for each category of transactions, is disclosed in your monthly statement. 
11.1 : <Prime Rate= and the <Index=. The Prime Rate is equal to, and varies with, an independent index (the <Index=). 
The Index is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank’s 
Prime Rate is the published Index rate for the day that precedes by 6 business days the first calendar day of the 
calendar month in which that billing period ends (If a range of rates is published for that date, the highest of the rates is 
used). If the Index becomes unavailable, the Bank may designate a substitute Index in its sole discretion. Your APR 
and DPR, and the amount of your minimum payment, will increase or decrease as the Index and Bank’s Prime Rate 
increase or decrease. 

 
 
 
 
 
 
 
 
 
The resulting changes in your APR and DPR will take effect on the first day of your billing cycle the following month. 
You acknowledge that the Bank’s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its 
customers, now or in the future. 

11.2 : Military Lending Act Disclosures. 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 their dependent may not exceed an annual percentage rate of 36 percent. 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 specified credit transactions or accounts); and any participation fee charged 
(other than certain participation fees for a credit card account). 

Please call us at 1-844-210-3601 to receive oral disclosures of the Military Lending Act disclosure above and a 
description of the payment obligation under this Agreement. 

12.0 : ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on 
the carrier containing your card. 
12.1 : Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned 
when assessed, and added to the amount of the transaction. 
12.2 : Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to 
the balance of the transaction. 
12.3 : Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, 
we charge a late payment fee. 
12.4 : Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned 
because it cannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase 
item. 
12.5 : Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at Account opening 
and every twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is 
listed in the Table that appears on the carrier containing your Card. 
12.6 : International Transaction Fee. Unless otherwise stated in the table appearing on the carrier containing your 
Card, each international transaction may be assessed a fee on the U.S. dollar amount of the transaction. This fee 
applies whether your transaction is (a) originally made in U.S. dollars or converted to U.S. dollars from a foreign 
currency or (b) originated from within the United States. If you incur a charge in a foreign currency, the charge will be 
converted into U.S. dollars by Visa  International using its procedures in effect at the time. Under current procedures, 
the foreign currency conversion rate is either a wholesale market rate or a government mandated rate in effect one 
day prior to the date the transaction is processed by Visa. The currency conversion rate applied to the transaction may 
differ from the rate in effect on the transaction date or the posting date. This fee is added to the amount of the 
transaction. 
12.7 : Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge 
you a research fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item. 
12.8 : Expedited Card Delivery Fee, and Emergency Card Fee. We may charge a fee if you request <expedited 
delivery= of a Card that requires an outside delivery service provider. We may also charge a fee if you request to 
personally obtain an <emergency Card= at our Bankcard Center that requires special card production. The current 
amounts of these fees will be disclosed at the time of your requests and before you agree to incur the charges. These 
fees are charged to your Account as a purchase. 

13.0 : CARD BENEFITS. 
13.1 : Priority Pass Select – for Reserve Cards Only. Reserve Card holders receive a complimentary membership in 
Priority Pass Select™ that provides five (5) free airport lounge visits per 12-month membership period. Each lounge 
visit by a Reserve Card holder and each visit by any guest accompanying a Reserve Card holder counts toward the 
free five-visit allowance. After the free lounge visits have been used, the Reserve Card holder’s Account will be 
charged the fee stated in the Priority Pass Select™ Welcome Letter and Pricing Disclosure for each lounge visit made 
during the remainder of that membership period. Lounge benefits, services, and facilities differ by location and may be 
available only at an additional charge. For more information, refer to the Priority Pass Select™ Welcome Letter and Pricing 
Disclosure. 
13.2 : Annual Travel Credit – for Reserve and Elite Cards Only. A statement credit will automatically be applied to 
your Account when your card is used for purchases in certain travel categories, up to an annual maximum of $250 for 
Reserve cards and $100 for Elite cards. Annual Travel Credits are refreshed once yearly, the day after the anniversary 
of your Account open date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental 
Cars, Hotels, Cruise Lines, Travel Agencies, Airport Terminals, Global Entry, TSA Precheck, and Gogo Inflight Wi-Fi. 
Identification of qualified purchases is subject to merchants’ billing. Statement credit(s) will generally post to your 
Account within 5-7 business days of the settled purchase and will appear on your monthly credit card billing statement 

 
 
 
 
 
 
within 1-2 billing cycles. With questions about your Annual Travel Credit, or when your next Annual Travel Credit will 
become available, call the number on the back of your card. To qualify, purchases must: 1) be completed using the full 
Visa 16-digit card number referenced during the Program period; 2) post to the card Account referenced during the 
Program period; 3) be identified as a qualifying purchase based on the information available on Visa’s proprietary 
network (VisaNet). The merchant must submit the purchase transaction under the appropriate merchant code, industry 
code, or required service or product identifier for the purchase to be identified as a qualifying travel purchase. Your 
card must remain in good standing in order to receive the statement credit. Please allow 1-2 billing cycles to receive 
your statement credit. You are responsible for payment of all charges until the statement credit posts to the Account. 
Visa and Zions Bancorporation, N.A. reserve the right to modify or cancel this offer at any time and without notice. 

14.0 : ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD: 
14.1 : Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit 
Limit appears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card 
Account that would at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the 
Outstanding Balance even if it exceeds your Credit Limit. The Bank may decrease your Credit Limit at any time and will 
notify you of such change. In addition, you may request a change in your Credit Limit by writing to the address shown 
on your monthly statement or by calling 1-800-494-1698. 

14.2 No Pre-Set Spending Limit: This Section 14.3 applies ONLY if you have a Visa Signature credit card 
OTHER THAN the AmaZing Rewards® Signature, AmaZing Cash® Signature, Agility Cash Signature, Vivid 
Rewards Signature, Premier, Elite, or Reserve credit card.  There is no pre-set spending limit   on your card; no pre-
set spending limit does not mean unlimited spending. You agree to pay in full each month any amount that exceeds 
your Credit Limit. Each transaction that causes your new balance to exceed your Credit Limit will be   evaluated for 
approval based on factors such as card fraud, account history, revolving balances, payment history, credit record, prior 
cash advances, and safety and soundness considerations. 

15.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have given the Bank a 
security interest in a savings account at the Bank to secure payment of your Account. If you withdraw your funds from the 
savings account, the Bank has the right to close your Account. 

16.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and 
individually liable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may 
send all monthly statements and other notices to any one of you. Such monthly statements and notices shall be 
deemed received by each and all of you. 

17.0 : INTERPRETATION; EFFECT. 
17.1 : Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account 
is closed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding 
Balance is paid in full. 
17.2 : Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope 
or intention of any portion of this Agreement. 
17.3 : Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot 
be contradicted with evidence of any alleged oral agreement. 
17.4 : Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will 
remain enforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions. 
17.5 : Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not 
be deemed to release, waive, impair or discharge those rights or obligations. 
17.6 : Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior 
written permission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to 
you. This Agreement shall be binding upon the parties’ heirs, representatives, successors, and assigns. 
17.7 : GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND 
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, 
REGARDLESS OF PRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD. 

18.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa 
U.S.A., its Members, or their respective contractors for the purpose of providing the services described in this 
Agreement, or emergency cash and emergency card replacement services. 

19.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account, 
Card or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) 
to conduct transactions in any country or territory, or with any individual or entity, that is subject to economic sanctions 
administered and enforced by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC); or (d) to 

 
 
 
 
 
 
 
 
 
gamble on the Internet. Display of a Visa logo or other payment system logo by any person (e.g., an online merchant), 
or acceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, 
your Account or the transaction. We have the right (but no obligation to you) to decline or block any transactions that 
we believe may be prohibited under this section. We may also block use of your Card in countries or territories subject 
to OFAC sanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this 
section. 

20.0: AGREEMENT TO PAY. You agree to timely pay your Outstanding Balance, regardless of whether the charges 
were incurred for personal, family, household or business purposes. Your liability includes all charges made by all 
persons you permitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check 
even if you were unaware of the charges or they caused you to exceed your Credit Limit. 
21.0 : LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number, or Credit Card Checks are lost or stolen, 
or if you think that someone used or may use them without permission, you agree to notify the Bank immediately by 
calling 1-866-749-7459. You may need to provide the Bank with certain information in writing to help the Bank 
determine what happened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit 
Card Check if you notify the Bank of any fraudulent transactions. 

21.1 : Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions 
if you notify the Bank within two business days. In any case, your liability will not exceed $50. 

22.0: REFUSAL TO HONOR TRANSACTIONS. We are not responsible or liable for any claim arising from or related to: 
(a) the refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or 
Credit Card Check; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the 
extent provided in <Billing Rights Summary= notice near the end of this Agreement); (c) any unsuccessful attempt to 
obtain prior credit authorization for any transaction when the authorization system is not working; or (d) any 
unsuccessful attempt to use the Card in an ATM when the ATM or ATM network is not working or is temporarily closed 
or out of order. 

23.0  : FINANCIAL AND CREDIT INFORMATION. 

23.1 : Financial Statements. If we ask, you agree to furnish a current financial statement or to update the 
Card Application. 
23.2 : Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or 
investigations about you, and to disclose to others credit information about your Account and your performance under 
this Agreement. We may ask credit bureaus for reports of your credit history. At your request, we will tell you whether 
or not we have requested such reports, and the names and addresses of the credit bureaus furnishing the reports. We 
may act through our agents, who may act in our name or their own names. 
23.3 : Negative Credit Reporting. You are hereby notified and agree that we may report information about your 
Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be 
reflected in your credit report. We may report through our agents (including but not limited to Zions Management 
Services Company) who may act in our name or their own names. Please notify us if we report any inaccurate 
information about your Account(s) to a credit bureau. Your written notice describing the specific inaccuracy should be 
sent to us at the following address: Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125 

24.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home 
address, or mailing address. Until you notify us of updated information, we can send statements, notices and other 
communications to the name and address in our records, and they will be deemed effectively delivered for all purposes. 
If your mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can 
suspend mailing your statements, notices, and other communications until a valid address is received from you. 

25.0: CLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing. We may close 
your Account at any time without cause and without notice. When your Account is closed (whether by you or us), your 
right to use the Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you 
must contact everyone authorized to charge transactions to your Account (e.g., internet service providers, insurance 
companies, etc.) to cancel future transactions. Such transactions may continue to be charged to your Account until you 
change the billing, and you will be liable for those charges. If we believe that you have authorized a transaction or are 
attempting to use your Account after you have requested to close your Account, we may (but are not required) allow the 
transaction to be charged to your Account and you will be liable for the charges. 

26.0: VISA ACCOUNT UPDATER. Card Accounts are automatically enrolled in the Visa Account Updater (VAU) 
feature required by Visa. This feature enables the electronic exchange of account information between Visa and 
participating merchants to support payment continuity with credential-on-file merchants. Visa will securely provide 
updated credit card information when your Card is re-issued for any reason or is closed. Updates are not guaranteed 
before the next billing cycle; the Bank is not responsible for late, missed, or recurring payments. To opt-out of the Visa 

 
 
 
 
 
 
 
 
Account Updater feature for your card Account, please contact the Bank by calling the number on the back of your 
card. 

27.0: DISPUTE RESOLUTION – READ CAREFULLY. 
This Dispute Resolution provision contains provisions for a jury waiver, a class action waiver, and mandatory 
arbitration (or, as applicable, judicial reference) agreement. These provisions could have a substantial effect on 
your rights in the event of a dispute with us. For example, if we elect to require you to arbitrate any claim, you 
will not have the right to a jury trial or the right to participate in a class action in court or in arbitration. These 
provisions do not apply to you if, as of the date you open the Account, you are a member of the Armed Forces 
or a dependent of such member entitled to protection under the federal Military Lending Act. No portion of this 
Dispute Resolution section shall be interpreted or applied in a manner prohibited by governing law, but all other portions 
shall remain in effect.  

SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES. 
27.1.1 : PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall 
supersede and replace any prior <Jury Waiver,= <Judicial Reference,= <Class Action Waiver,= <Arbitration,= <Dispute 
Resolution,= or similar alternative dispute agreement or provision between or among the parties. 
27.1.2 : <DISPUTE= DEFINED. As used herein, the word <Dispute= includes, without limitation, any claim by either party 
against the other party related to this Agreement, your Account, any transaction in your Account, any Card or a Credit 
Card Check. <Dispute= includes, but is not limited to, matters arising from or relating to a deposit account, an application 
for or denial of credit, warranties and representations made by a party, the adequacy of a party’s disclosures, 
enforcement of any and all of the obligations a party hereto may have to another party, compliance with applicable laws 
and/or regulations, performance or services provided under any agreement by a party, including without limitation 
disputes based on or arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or 
assigns of a party hereto. 

If a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior 
lienholder or title company), each party hereto agrees to consent to including that third party in any arbitration or 
judicial reference proceeding for resolving the Dispute with that third party. 

27.1.3 : JURY WAIVER. Each party waives their respective rights to a trial before a jury in connection with  any 
Dispute. All Disputes shall be decided by a judge sitting without a jury, unless submitted to binding arbitration pursuant 
to Section 2 or judicial reference pursuant to Section 3. 

27.1.4. AGREEMENT FOR BINDING ARBITRATION OR JUDICIAL REFERENCE IF (A) A CONSUMER PARTY 
REQUESTS OR (B) THE JURY TRIAL WAIVER IS NOT ENFORCED. A party who (in context of the Dispute) is a 
consumer may timely elect to require that the Dispute be submitted as applicable to binding arbitration under Section 2 
hereof or binding judicial reference under Section 3 hereof. In addition, if this Agreement’s jury waiver is unenforceable 
by law, or otherwise not enforced by a court exercising jurisdiction over the Dispute, then all parties hereby agree that 
the Dispute shall be timely submitted as applicable to binding arbitration under Section 2 or binding judicial reference 
under Section 3. BY AGREEING TO RESOLVE SPECIFIED FUTURE DISPUTES IN ARBITRATION OR BY 
JUDICIAL REFERENCE, THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE THOSE DISPUTES IN 
COURT. 

In any lawsuit regarding a Dispute (a <Lawsuit=), following the service of a complaint, third-party complaint, cross-claim 
or counterclaim or any answer thereto, any amendment to any of the above, or a ruling or entry of an order that has the 
effect of invalidating this Agreement’s jury trial waiver (any of the foregoing, an <ADR Event=), then at any time prior to 
trial of the Dispute, but not later than 30 days after the ADR Event, any party shall be entitled to move the court for 
an order (on the grounds set forth in the preceding paragraph) compelling arbitration under Section 2 or judicial 
reference under Section 3, as applicable, and staying or dismissing the Lawsuit pending such arbitration or judicial 
reference (an <ADR Order=). A party that commenced or participated in the Lawsuit may nevertheless demand 
arbitration or judicial reference of a Dispute after an ADR Event. Commencement or participation in the Lawsuit shall 
not operate as a waiver of the right to compel arbitration or judicial reference. After entry of an ADR Order, the non-
moving party shall commence the arbitration or judicial reference. The moving party shall, at its discretion, also be 
entitled to commence arbitration or judicial reference but is under no obligation to do so, and the moving party shall not 
in any way be adversely prejudiced by electing not to commence arbitration or judicial reference. 
27.1.5  : CLASS ACTION WAIVER. If permitted by applicable law, each party waives their respective right to 
litigate any Dispute as a class action (either as a member of a class or as a representative) or to act as a private 
attorney general. The waiver in this paragraph applies whether the proceeding is in a court, in an arbitration, or 
in a judicial reference proceeding. 

27.1.6 : SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or expiration of 
this Agreement or any other relationship between the parties. 

 
 
 
 
 
 
 
SECTION 2: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO ARBITRATION. This Section 2 governs 
Disputes that are submitted for binding arbitration under subsection 27.1.4. This Section 2 shall not apply to any 
Dispute that is pending in a state or federal court located in the State of California, except to the extent such Dispute 
may also be pending in a state or federal court located outside of California. An arbitrator shall have no authority to 
determine the validity, enforceability, meaning and scope of this Dispute Resolution Provision, or (ii) class action 
claims brought by either party as a class representative on behalf of others, or by a class representative on either 
party’s behalf as a class member, which matters may be determined only by a court without a jury. 
Arbitration under this provision shall be conducted before a single arbitrator through either the National Arbitration 
Forum (<NAF=) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the initiating party, in 
accordance with the rules of NAF or JAMS (the <Administrator=). However, if the parties agree, a licensed attorney may 
be selected by the parties to conduct the arbitration without an Administrator. If NAF and JAMS both decline to 
administer arbitration of the Dispute, and if the parties are unable to mutually agree upon a licensed attorney to act as 
arbitrator without an Administrator, then either party may file a Lawsuit and move for an ADR Order. The arbitrator, 
howsoever appointed, shall have expertise in the subject matter of the Dispute. Venue for the arbitration proceeding 
shall be as stated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absent 
such a provision, the arbitration shall be conducted at a location determined by mutual agreement of the parties or by 
the Administrator if no agreement can be reached. The arbitrator shall apply the law of the state specified in the 
agreement giving rise to the Dispute. 

In any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay one half of the 
Administrator's initial filing fee, up to $500. If Lender or Bank commences arbitration or is the moving party obtaining 
an ADR Order, Lender or Bank shall pay all Administrator and arbitrator fees, regardless of whether or not the 
consumer is the prevailing party in such arbitration, unless such Dispute involves a claim for damages by a consumer 
and is found by the arbitrator to be frivolous. For this paragraph, <consumer Dispute= shall mean a Dispute involving 
credit or services provided by Lender or Bank, primarily for personal, family or household purposes, in which the claim 
for damages is less than $75,000. 

The Administrator and the arbitrator shall have the authority, to the extent practicable, to take any reasonable action to 
require the arbitration proceeding to be completed within 180 days of commencing the arbitration. The arbitrator: (i) will 
render a decision and any award applying applicable law; (ii) will hear and rule on appropriate dispositive motions for 
judgment on the pleadings, for failure to state a claim, or for full or partial summary judgment; (iii) will give effect to any 
statutory or contractual limitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) 
shall have the authority to impose sanctions on any party that fails to comply with time periods imposed by the 
Administrator or the arbitrator, including, without limitation, the sanction of entering a final award against the party that 
fails to comply; (v) shall have authority to award costs and fees (including attorneys' fees and costs, arbitration 
administration fees and costs, and arbitrator(s)' fees) to the extent permitted by law; (vi) shall recognize and honor 
claims of privilege recognized at law; and (vii) with regard to motions and the arbitration hearing, shall apply the 
Federal Rules of Evidence. The doctrines of compulsory counterclaim, res judicata, and collateral estoppel shall apply 
to any arbitration proceeding hereunder. 

Commencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and obtaining 
from a court of competent jurisdiction (notwithstanding ongoing arbitration) provisional or ancillary remedies including 
but not limited to injunctive relief, temporary restraining orders, property preservation orders, foreclosure, 
sequestration, eviction, attachment, replevin, garnishment, and/or the appointment of a receiver; or (ii) availing itself of 
any self-help remedies such as setoff and repossession rights or non-judicial foreclosure of collateral. The exercise of 
such rights shall not constitute a waiver of the right to submit any Dispute to arbitration. 

Judgment upon an arbitration award may be entered in any court having jurisdiction except that, if the arbitration 
award exceeds $200,000, any party shall be entitled to a de novo appeal of the award before a panel of three 
arbitrators. To allow for such appeal, if the award (including Administrator, arbitrator, and attorney’s fees and costs) 
exceeds $200,000, the arbitrator will issue a written, reasoned decision supporting the award, including a statement of 
authority and its application to the Dispute. A request for de novo appeal must be filed with the arbitrator within 30 
days following the date of the arbitration award; if such a request is not made within that time period, the arbitration 
award shall become final and binding. On appeal, the arbitrators shall review the award de novo, meaning that they 
shall reach their own findings of fact and conclusions of law rather than deferring in any manner to the original 
arbitrator. Appeal of an arbitration award shall be pursuant to the rules of the Administrator; if the Administrator has no 
such rules, then the JAMS arbitration appellate rules shall apply. 

To request information on how to submit an arbitration claim, or to request a copy of an Administrator’s rules or fee 
schedule, please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, Irvine, CA 92614, Phone: 
(949) 224-1810, Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website: www.jamsadr.com; NAF: National Arbitration 

 
 
 
 
 
 
 
 
Forum, P.O. Box 50191, Minneapolis, MN 55405-0191, Phone (800) 474-2371, email: info@adrforum.com, 
Website: www.adrforum.com. 

Arbitration under this provision concerns a transaction involving interstate commerce and shall be governed by the 
Federal Arbitration Act, 9 U.S.C. § 1 et seq. If the terms of this Section 2 vary from the Administrator’s rules, this 
Section 2 shall control. 

SECTION 3: TERMS GOVERNING THOSE DISPUTES SUBMITTED TO JUDICIAL REFERENCE. This Section 3 

governs Disputes that are submitted under subsection 27.1.4 for judicial reference in accordance with California Code 
of Civil Procedure, Section 638, et seq. This Section 3 may be invoked only with regard to Disputes filed in state or 
federal courts located in the State of California. In no event shall this Section 3 diminish the force or effect of any 
venue selection or jurisdiction provision in this Agreement or any Related Document. Nothing herein shall preclude a 
party from moving (prior to the court ordering judicial reference) to dismiss, stay or transfer the suit to a forum outside 
California on grounds that California is an improper, inconvenient or less suitable venue. If such motion is granted, this 
Section 3 shall not apply to any proceedings in the new forum. 

The referee shall be a retired judge, agreed upon by the parties, from either the American Arbitration Association (AAA) 
or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot agree on the referee, the party who 
initially selected the reference procedure shall request a panel of ten retired judges from either AAA or JAMS, and the 
court shall select the referee from that panel. If AAA and JAMS are unavailable to provide this service, the court may 
select a referee by such other procedures as are used by that court. The referee shall be appointed to sit with all of the 
powers provided by law, including the power to hear and determine any or all of the issues in the proceeding, whether 
of fact or of law, and to report a statement of decision. Only for this Section 3, <Dispute= includes matters regarding the 
validity, enforceability, meaning, or scope of this Section, and class action claims brought by either party as a class 
representative on behalf of others and claims by a class representative on either party’s behalf as a class member. The 
parties agree that time is of the essence in conducting the judicial reference proceeding set forth herein. Except as 
otherwise provided in this paragraph, the costs of the judicial reference proceeding, including the fee for the court 
reporter, shall be borne equally by the parties as the costs are incurred, unless otherwise awarded by the referee. If 
Lender or Bank commences a judicial reference proceeding regarding a consumer Dispute, Lender or Bank shall pay 
all referee fees, regardless of whether or not the consumer is the prevailing party in such proceeding, unless such 
Dispute involves a claim for damages by a consumer and is found by the referee to be frivolous. For purposes of this 
paragraph, <consumer Dispute= shall mean a Dispute involving credit or services provided by Lender or Bank, primarily 
for personal, family or household purposes, in which the claim for damages is less than $75,000. The referee shall hear 
all pre-trial and post-trial matters (including without limitation requests for equitable relief), prepare a statement of 
decision with written findings of fact and conclusions of law and apportion costs as appropriate. The referee shall be 
empowered to enter equitable relief as well as legal relief, provide all temporary or provisional remedies, enter equitable 
orders that are binding on the parties and rule on any motion that would be authorized in a trial, including without 
limitation motions for summary adjudication. Judgment upon the award shall be entered in the court in which such 
proceeding was commenced and all parties shall have full rights of appeal. This provision will not be deemed to limit or 
constrain Lender’s or Bank’s right of offset, to obtain provisional or ancillary remedies, to interplead funds in the event 
of a dispute, to exercise any security interest or lien Bank or Lender may hold in property, or to comply with legal 
process involving accounts or other property held by Bank or Lender. 

SECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would 
not seek to enforce a jury waiver, class action waiver, arbitration provision or judicial reference provision in the event of 
suit, and (ii) acknowledges that it and the other party have been induced to enter into this Agreement by, among other 
things, material reliance upon the mutual waivers, agreements, and certifications in the four Sections of this DISPUTE 
RESOLUTION PROVISION. 

28.0 : BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the 
Bank's responsibilities under the Fair Credit Billing Act. 
28.1 : Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you need more 
information about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing 
Rights Summary on your Statement or the address below. We must hear from you no later than 60 days after we sent 
you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your 
rights and we will not be required to investigate any potential errors. In your letter, include the following information: 

•  Your name and Account number. 
•  The date and dollar amount of the suspected error. 
•  Describe the error, and explain if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

If you have authorized us to pay your Account automatically from your savings or checking account or you have 
authorized an automatic payment on your Account, you can stop the payment on any amount you think is wrong. To 

 
 
 
 
 
 
 
stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. 
28.2 : Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your 
letter within 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain 
why we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can 
continue to bill you for the amount you question, including interest charges, and we can apply any unpaid amount 
against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still 
obligated to pay the parts of your bill that are not in question. 

If we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges 
related to any questioned amount. If we didn’t make a mistake, you may have to pay interest charges, and you will have 
to make any missed payments on the questioned amount. In either case, we will send you a statement of the amount 
you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does 
not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We 
must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these 
rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct. 
28.3 : Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods 
or services that you have purchased with your 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  must  have  been  more  than  $50.  (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) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or 
with a check that access your credit card Account do not qualify. 
(3) You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

Bankcard Services 
P.O. Box 25787 

Salt Lake City, UT 84125-0787 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 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. 

Revised 01/03/2022 

M-134920 

A division of Zions Bancorporation, N.A. Member FDIC 

 
 
 
 
 
 
 
 
  
 
 
 
 
ADDENDUM 1 – Disclosure Statement for Zions Bank 

This Addendum applies to the following Zions Bancorporation, N.A. dba Zions Bank credit cards: Private Banking Visa 
Signature Credit Card. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Prime Rate + 8.99%  

APR for Balance Transfers 

APR for Cash Advances 

This APR will vary with the market based on the Prime Rate. 
Prime Rate + 8.99%  
This APR will vary with the market based on the Prime Rate. 

Prime Rate + 16.99% 
This APR will vary with the market based on the Prime Rate. 

Penalty APR and When It 
Applies 

None 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases and balance transfers if you pay your entire 
balance due by the due date each month. We will begin charging interest on cash 
advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 
Fees 

Annual Account Fee 
Transaction Fees: 

To learn more about factors to consider when applying for or using a credit 
card, visit the Consumer Financial Protection Bureau website at 
http://www.consumerfinance.gov/learnmore. 

$295 (waived for the first year for Private Banking clients) 

▪  Balance Transfer from 
Existing Zions Account 

None 

▪  All Other Balance Transfers 

3% of the amount of each transaction, but not less than $10. 

▪  Cash Advance 

3% of the amount of each transaction, but not less than $10. 

▪ 

International Transaction 

3% of the U.S dollar amount of each transaction, whether originally made in U.S. 
dollars or converted from a foreign currency. 

Penalty Fees: 

▪ 

Late Payment  

▪  Returned Payment 

Up to $25 

Up to $25 

How we will calculate your balance: We use a method called <average daily balance (including new purchases)=. See the card agreement 
for more details.  
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the card agreement.