Service, P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for 
your request to take effect.
Telephone Monitoring. You consent and agree that we may monitor and record your 
telephone calls with our employees or contractors.
Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card 
transactions on your credit card account, subject to a very few exceptions. Instead, if 
the merchant grants your request for a refund, it is the merchant’s responsibility to send 
a credit through Visa or MasterCard so that we can credit your account. You should 
retain your copy of the credit slip prepared by the merchant. If the merchant discloses 
a policy limiting or disallowing refunds, you will be bound by it. If you make travel or 
lodging or other reservations, you will be bound by the merchant’s cancellation policy, 
and you must obtain a cancellation code from the merchant to avoid or limit any charges 
in accordance with that policy. If you give a merchant continuing authority to charge 
your account for repeat charges, you must notify the merchant when you wish to revoke 
that authorization. If the merchant continues to initiate such charges, to preserve your 
billing rights you must continue to notify us promptly every time your billing statement 
reflects a new charge.
Assignment. We may assign any or all of our rights under this Agreement, including 
any debt you owe us.
Captions. Captions used in this Agreement are intended solely as aids to convenient 
reference and do not affect the interpretation of this Agreement. 
Applicable  Law/Non-Waiver/Severability.  YOUR  ACCOUNT  AND  THE  TERMS  AND 
ENFORCEMENT  OF  THIS  AGREEMENT  WILL  BE  GOVERNED  BY  FEDERAL  LAW 
AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights under this 
Agreement any number of times without waiving our rights in the future. If any term of 
this Agreement is found to be unenforceable, all other provisions remain in full force 
and effect.
Illegal Transactions. You agree not to make or permit to be made any illegal transactions 
on the account through use of the card, any other account access device issued by us, 
or in any other manner. We may, but are not required to, deny authorization for any 
internet gambling transactions, any internet purchase of tobacco products, or any other 
illegal transactions. You agree that illegal use of the card or the account will be deemed 
an action of default and/or breach of contract and, in such event, the account and other 
related services may be terminated at our discretion. You further agree that should illegal 
use occur, you waive any right to sue us for such illegal use or any activity directly or 
indirectly related to it, and you agree to indemnify and hold us harmless from any suits, 
legal action, or liability directly resulting from such illegal use.
Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 
stolen or if you think someone used or may use your account without permission, you 
agree to notify us immediately by calling 1-800-382-5465 or (901) 818-9250 (Collect) 
if you are outside the continental United States. Upon our request, you agree to provide 
us such written information as we request or require to assist our investigation.
Liability  for  Unauthorized  Use.  You  will  not  be  liable  for  any  unauthorized  use  that 
occurs after you notify us. You may, however, be liable for unauthorized use that occurs 
before you notify us.
ARBITRATION PROVISION
  PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION 
ARBITRATION: 
CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS 
(SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU OR 
WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE 
THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS 

ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED 
OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY 
OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE 
ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR’S DECISION WILL BE 
BINDING, EXCEPT AS PROVIDED BELOW. 
Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined 
below), except for Claims filed in a small claims court, may be resolved by mandatory, 
binding arbitration. The small claims court exclusion applies only so long as the dispute 
remains in the small claims court and is an individual (non-class, non-representative) 
Claim. If a Claim asserted in small claims court is transferred or appealed to a different 
court, either you or we may then elect mandatory, binding arbitration pursuant to this 
Arbitration  Provision.  This  Arbitration  Provision  is  made  pursuant  to  a  transaction 
involving  interstate  commerce  and  shall  be  governed  by  and  enforceable  under  the 
Federal Arbitration Act (the FAA). 
Definitions for Arbitration Provision. As used in this Arbitration Provision, the following 
terms have the following definitions. The words we, our and us mean First Horizon Bank, 
its parent company, and their direct and indirect subsidiaries and affiliates, together with 
their employees, officers, directors, successors, and assigns. The words you, your, and 
yours refer to any Consumer applicant, co-applicant, authorized user of the account, or 
legal representative of any of the foregoing, and anyone claiming through such person 
or incident to the account. The word “Consumer” means a natural person who holds an 
account primarily for personal, family or household purposes. The word Claim means 
any claim, controversy, or dispute of any kind arising from or relating to the account or 
any relationship arising from or related to the account. The word Claim includes, but is 
not limited to, any claim, controversy or dispute involving one or more of the following: 
the  formation,  application,  enforceability,  or  interpretation  of  this  Arbitration 
Provision or other part of the Agreement; 

• 

•  any advertisements, solicitations, disclosures or other communications relating 

to the account, whether made before or after the account was opened; 
the opening, administration and termination of the account; 

• 
•  any transactions involving the account; 
•  any interest, fees and other charges to the account; 
•  any products or services (whether provided by us or a third party) related to or 

offered in connection with the account; 

•  any use or disclosure of information about you or the account; 
•  any other matters relating to the account or your credit card relationship with us.
All  Claims  Subject  to  Arbitration  Provision.  All  Claims  are  subject  to  this  Arbitration 
Provision,  regardless  of  whether  the  Claim:  (i)  previously  existed,  is  now  existing 
(whether  discovered  or  undiscovered)  or  arises  later;  (ii)  is  based  on  a  theory  of 
contract, tort (including intentional tort), negligence, agency or other vicarious liability, 
fraud, statute, regulation, constitution, or any other source of law or equity; (iii) seeks 
monetary  damages,  or  declaratory,  injunctive  relief,  or  other  remedy  or  relief;  (iv)  is 
asserted as an initial claim, counterclaim, crossclaim, interpleader action, third-party 
claim or other action; or (v) is asserted as an individual claim or as part of a class action 
or other representative or collective action. (Any Claim asserted as part of a class action 
or other representative or collective action shall proceed in arbitration on an individual 
basis as set forth below.) Joint Cardholders, applicants and authorized users on a single 
account or multiple accounts for which the same Cardholders are legally responsible 
will be treated as one person for this purpose. All questions about whether disputes are 
subject to arbitration shall be resolved by interpreting this arbitration provision in the 
broadest way the law will allow it to be enforced. 

Initiation  of  Arbitration.  The  party  electing  arbitration  must  use  the  arbitration 
administrator shown below and follow its rules and procedures, except as otherwise 
stated in this Arbitration Provision. Copies of its current rules, procedures, forms, and 
related information, including information about how to file a Claim, may be obtained by 
contacting the Administrator as follows: 

American Arbitration Association
Case Filing Services
1101 Laurel Oak Road, Suite 100
Voorhees, NJ 08043
Toll free number: 877-495-4185
http://www.adr.org 
Except for the small claims court exclusion set forth above, either you or we may ask 
an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim 
in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
subsequently  asserted  in  that  lawsuit  by  any  other  party.  Delay  in  exercising  these 
rights shall not waive such rights. Failure to exercise arbitration rights with respect to a 
particular Claim shall not waive your right or our right to demand arbitration of any other 
Claim. If the Administrator declines to administer a Claim in arbitration, then either party 
shall have the right to proceed with the Claim as a lawsuit in court, in which case the 
Class Action Waiver set forth below still applies. 
Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive 
the right to proceed as part of any class action and (2) waive the right to a trial by jury 
of any and all Claims. No Claim submitted to arbitration is heard by a jury or may be 
brought as a class action or as a private attorney general. You do not have the right to act 
as a class representative or participate as a member of a class of claimants with respect 
to  any  Claim  submitted  to  arbitration  (Class  Action  Waiver).  Any  Claim  resolved  by 
arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitrator’s 
authority  to  resolve  Claims  is  limited  to  Claims  between  you  and  us  alone,  and  the 
arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims 
brought by you against us or by us against you may not be joined or consolidated in 
arbitration with Claims brought by or against someone other than you, unless  otherwise 
agreed to in writing by all parties. 
Severability. The parties to this Arbitration Provision acknowledge that the Class Action 
Waiver is material and essential to the arbitration of any disputes between the parties 
and is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, 
voided or found unenforceable, then the parties’ agreement to arbitrate (except for this 
sentence) shall be null and void with respect to such proceeding, subject to the right to 
appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge 
and agree that under no circumstances will a class action be arbitrated. If any portion of 
this Arbitration Provision, other than the Class Action Waiver, cannot be enforced, that 
portion will be severed, and the rest of the Arbitration Provision will continue to apply. 
Arbitration  Procedures  and  Law.  A  single  arbitrator  chosen  by  the  Administrator  will 
resolve  Claims  pursuant  to  the  rules  and  procedures  of  the  Administrator  and  this 
Arbitration Provision. This Arbitration Provision will govern in the event of conflict with 
the  Administrator’s  rules  and  procedures.  Discovery  procedures  available  to  parties 
will  be  limited  by  the  Administrator’s  rules  and  procedures.  The  arbitrator  will  apply 
applicable substantive law consistent with the FAA and applicable statutes of limitations 
and honor legally recognized claims of privilege. The arbitrator will have the power to 
award any damages or other relief that would be available in court and are permitted 
under the terms and conditions of this Agreement, but only with respect to the named 
parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision will 

not be subject to federal, state, or local rules of procedure and evidence applicable to 
lawsuits or to state or local laws relating to arbitration. Either party may choose to have 
an arbitration hearing and to be represented by counsel. An arbitration hearing may be 
conducted by telephone if the parties agree. Any participatory arbitration hearing that 
you attend in person will occur at a place designated by the Administrator at a location 
within the federal judicial district that includes your billing address or at some other 
place agreed upon by you and us. The arbitrator will use reasonable efforts to protect 
confidential  information  if  requested  to  do  so  by  any  party.  The  arbitrator  will  make 
any award in writing and, upon a timely written request, provide a written statement of 
reasons for the award. 
Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator 
and any administrative fees charged by the Administrator according to the rules and 
procedures of the Administrator. We will also pay or reimburse you for all or part of 
other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
will pay any fees and costs, which we are required to pay by law or by the rules and 
procedures of the Administrator. In addition, in the event that you receive an arbitration 
award that is greater than our last written settlement offer, the arbitrator shall have the 
discretion to require us to pay your attorneys’ fees and costs. Otherwise, each party will 
bear its own attorneys’ fees and costs, regardless of who prevails. 
Finality of Arbitration. The arbitrator’s decision is final and binding on the parties, except 
for any right of appeal provided by the FAA. Costs will be allocated in the same way 
as costs are allocated in arbitration by a single arbitrator. A final and binding award 
is subject to judicial review only as provided by the FAA. An arbitration award will be 
enforceable under the FAA by any court having jurisdiction. 
Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination 
or changes in the Agreement and/or related agreements or programs, the account, and 
the relationship between you and us concerning the account and related programs; (ii) 
bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, 
or any amounts owed on the account. Any different agreement regarding arbitration of 
Claims must be agreed in writing. 
Your Billing Rights: Keep this Document 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, write to us at: BankCard Center, P.O. Box 
1545, Memphis, TN 38101-1545. : You may also login to Banking Online and submit a 
transaction dispute. You will need to give us the following information: 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of 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: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want 

to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing (or electronically). You may call us, 
but if you do we are not required to investigate any potential errors; and you may have 
to pay the amount in question. 

7 

8 

9 

10 

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, 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 you 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 finish 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 fees 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 fees. We will send you a statement 
of the amount you owe and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us. If we do not follow 
all of the rules above, you do not have to pay the first $50 of the amount you question 
even if your bill is correct. 
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 
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.  (Note:  Neither  of  these  is  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 accesses 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 Center, P.O. Box 1545, Memphis, TN 38101-1545. You may 
also contact us by logging in to Banking Online and submitting a transaction dispute. 
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.

M-129674 

8/19

11

CARDHOLDER AGREEMENT
and Disclosures Under The Federal Truth In Lending Act

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Calculating Average Daily Balance   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Purchase Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

 
Agreement and Definitions. This Cardholder Agreement, the folder containing your card 
including the Account Opening Disclosure Table on the back of the folder, changes and 
notices of changes we make to your account and/or this agreement as provided herein, 
and all documents bearing your hand-written, electronic or digital signature (such as, 
but not limited to, any application, convenience check or sales slip) or other evidence 
of indebtedness on the credit card account constitute the contract governing your credit 
card  account  (the  “Agreement”).  The  words  “you”  and  “your”  refer  to  each  person 
jointly  and  severally  (if  more  than  one)  who  has  applied  for  or  otherwise  agreed  to 
be responsible for the account. The words “we”, “our”, and “us”, mean First Horizon 
Bank, and its successors, assigns, agents and/or authorized representatives. The word 
“card” means each MasterCard or Visa card issued on the account. The card is our 
property, and you agree to surrender it to us or our agent upon request. This Agreement 
is binding on you unless you cancel your account within 30 days after receiving the 
card and you have not used or authorized use of your account. This card is available 
only  to  individuals  for  consumer  use  and  will  not  be  issued  to  sole  proprietorships, 
corporations, partnerships or limited liability companies.
Changes In Terms. You consent and agree that at any time we may add, delete, remove, 
amend, or change any terms and conditions of this Agreement, including but not limited 
to the Annual Percentage Rate (APR), fees or other terms. Such amendments may apply 
to the unpaid balance and to new transactions, as allowed by applicable law. Reasons 
we may change the terms and conditions of this Agreement include, but are not limited 
to, risks associated with your account, economic and market conditions and trends, 
product  parameters,  and  our  business  needs  and  considerations.  If  we  make  such 
amendments, you will receive advance notice and a right to opt out, as may be required 
by the Agreement and applicable law.
Using Your Account. In addition to the card, we may furnish you checks which can be 
used to access your account. You agree to use checks only in the form we furnish and 
according to any instructions we give you. You cannot stop payment on checks used 
to access the account. You may use your account to purchase goods and services and 
to get Cash Advances. 
Cash Advances include cash obtained from participating financial institutions and ATMs, 
transactions using checks to access your account, and cash-equivalent transactions 
(including purchases of travelers’ checks, casino chips and other items which Visa or 
MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). 
The amount of a Cash Advance obtained from an ATM may include a surcharge imposed 
by the ATM owner.
Purchases are transactions initiated with the card or account for the purchase of goods 
or services from participating merchants (excluding cash-equivalent transactions) and 
such other charges we designate as Purchases.
Only a payment made by us, at your request via our customer service center or our 
website, to transfer all or part of your balance with another creditor to your account with 
us will be considered and treated as a Balance Transfer under this Agreement. Your use 
of a check used to access your account for any purpose is not considered a Balance 
Transfer under this Agreement.
Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder 
containing your card (including the Account Opening Disclosure Table on the back of 
the folder) provides information concerning the Introductory Annual Percentage Rate for 
Purchases, Balance Transfers and Cash Advances and the length of the Introductory 
Period.  When  the  Introductory  Period  expires,  your  Standard  (Variable)  Rates  and 
monthly periodic rates (also shown on the enclosed folder containing your card and 
Account Opening Disclosure Table will apply and may vary each month as described in 
the Standard (Variable) Rates provision below.
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Standard  (Variable)  Rates.  Except  as  otherwise  stated  in  this  “Standard    (Variable) 
Rates” provision or upon amendment of this Agreement, the monthly periodic rates and 
corresponding APRs used to compute the periodic interest charges on your account 
will be variable rates which may increase or decrease for each new billing cycle based 
on changes in the U.S. Prime Rate published in the “Markets Lineup” section of  The 
Wall Street Journal (“Prime”). Your corresponding APRs, divided by 12 and truncated 
to the next one-thousandth percentage point will be your monthly periodic rates. Your 
rates will not exceed the maximum we are allowed to charge under applicable law. We 
will use the value of Prime published on the last business day of each calendar month 
(the “Determination Date”) in order to calculate your APRs in effect from the first day 
through the last day of your billing cycle ending in the calendar month following the 
Determination Date. If more than one Prime rate is published on the Determination Date, 
we will use the highest. An increase in your rates will increase your interest charges and 
may increase your minimum monthly payment.
Your APRs on Purchases, Balance Transfers and Cash Advances could be different for 
each of these categories of transactions and certain balances within these categories 
(such as balances subject to promotional rates). Each APR will equal the sum of Prime 
plus the applicable margin (“Margin”). Margin means the percentage points added to 
the Prime Rate to calculate the APR. Your Margins, corresponding APRs and monthly 
periodic rates for Purchases, Balance Transfers and Cash Advances are shown on the 
enclosed folder containing your card which includes the Account Opening Disclosure 
Table on the back of the folder.
Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, 
for all transactions on your account, plus all interest, finance charges and other charges, 
fees and expenses incurred on or in connection with the account. You will be individually 
and, if applicable, jointly and severally liable for the total balance, whether the charges 
are made by you or by a person authorized by you in any way to use your account in any 
way. You cannot transfer or assign the account to another person.
Credit  Limit.  Your  initial  credit  limit  appears  on  the  folder  containing  your  card.  We 
may increase or decrease your credit limit at any time. Each of your billing statements 
will reflect your credit limit in effect as of the date of the statement. You agree not to 
conduct any transaction that would cause the total balance of your account to exceed 
your credit limit. We may honor, at our discretion, transactions which exceed your credit 
limit.  You  agree  to  pay  any  amount  that  exceeds  your  credit  limit  immediately  upon 
request. Without additional notice we may limit the number or dollar amount of account 
transactions, and/or authorizations for transactions, within your credit limit for security 
or other reasons.
Billing Statements. We will send or make available a billing statement for each monthly 
billing  cycle  for  which  a  Purchase,  Balance  Transfer  or  Cash  Advance  is  posted  to 
your account or if there is a debit or credit balance of more than $1.00. The statement 
will  reflect  each  Purchase,  Balance  Transfer  or  Cash  Advance  transaction  posted  to 
your account, your New Balance, Payment Due Date, Minimum Payment Due, Interest 
Charges,  Fees  and  other  important  information.  Unless  you  notify  us  of  any  alleged 
errors in accordance with the Billing Rights Notice in this Agreement, we may consider 
the statement correct for all purposes.
Making Payments:
Effects of Making Minimum Payments. If you make only the minimum payment each 
billing cycle, you will pay more in interest and it will take you longer to pay off your 
balance.
Application of Payments. We will determine, at our discretion, the amount of and order 
in  which  minimum  payments  will  be  applied  to  Purchases,  Balance  Transfers,  Cash 
Advances, Interest, Finance Charges and other fees and charges. If your account has 
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balances  with  different  APRs,  we  will  allocate  your  minimum  payments  to  balances 
subject to lower APRs before balances subject to higher APRs. If you make more than 
the minimum payment, we will allocate amounts in excess of the minimum payment 
to balances subject to higher APRs before balances subject to lower APRs, even if, 
as required by applicable law, this allocation results in a loss of any Grace Period for 
which you may otherwise have been eligible. This payment allocation method applies 
to all higher APR balances, including transactions subject to higher APRs posted since 
your last statement.
New Balance. The details and amount of your New Balance for each monthly billing 
cycle will appear on your billing statement in the Summary of Account Activity section.
Minimum Payment Calculation. You may pay all or part of your balance at any time, 
but each month you must pay at least the Minimum Payment Due shown on the billing 
statement.  If your New Balance is $25.00 or less, the Minimum Payment Due will be 
the  New  Balance  in  full.    Otherwise,  the  Minimum  Payment  Due  will  be  the  total  of 
(1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus 
interest charges assessed in the current billing cycle, (c) any over limit amount in the 
current cycle, or (d) $25.00; plus (2) net fees (excluding Cash Advance and Currency 
Conversion  Fees)  in  excess  of  $0  assessed  in  the  current  billing  cycle;  plus  (3)  all 
amounts past due.
Form of Payments. Do not send cash by mail. If you pay by check or money order, the 
check or money order must be in U.S. Dollars drawn on funds on deposit in a federally-
insured U.S. depository institution. However, we may, at our option, accept checks or 
money orders drawn on non-U.S. banks and impose service and collection charges 
on your account for processing such items. When you send a personal check to the 
BankCard Center, we may initiate an electronic debit for the amount of your check to 
your account at the financial institution on which the check was written. Your payment 
will appear as an electronic debit on the statement for the account from which you made 
payment and will include the name of the payee “BankCard Center”, the check number 
and the payment amount. We can (but are not required to) accept late payments, partial 
payments, payments marked or accompanied by “payment in full” or similar language, 
or payments which are otherwise improper without losing any of our rights under this 
Agreement, including our right to require payment of the entire balance.
Payment  Processing.  Payments  accompanied  by  the  payment  coupon  or  other 
information adequate to identify the appropriate account are proper payments. Proper 
payments will be applied to your account as of the date received if received Monday-
Friday, excluding federal holidays, by the times shown below: 

•  Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 

by 5:00 p.m. CT

•  Payments delivered in person to and processed by an employee at a financial 
center, or other bank location that accepts such payments, by close of business 
at that location

•  Payments made via Banking Online website by 8:00 p.m. CT

Proper payments received on a day that the bank does not process payments or later 
than the times shown above will be applied the next business day. Any other payment 
may not be applied until 5 days after receipt.
Visa Money Transfer. You have the ability to receive a credit transfer to your credit card 
via a Visa Money Transfer under which you or a third party may transfer funds to you. 
Funds will appear on the statement as a “Visa Transfer”, but funds will be treated as a 
non-proper payment to your account within 2 business days of receipt. We have the 
right to refuse/return a transfer restricted/prohibited by applicable federal, state or local 
law or by this Agreement.

Finance Charges.
Interest  Charges.  We  will  impose  periodic  interest  charges  based  on  the  monthly 
periodic rates that apply to Purchase, Balance Transfer and Cash Advance average daily 
balances. Periodic interest charges will begin to accrue on all average daily balances 
from the date that transactions are posted to your account, except for Purchase and 
Balance Transfer transactions that may be eligible for a grace period (see Paying Interest 
section of this Agreement).
If the periodic interest charge calculated for a billing cycle in the manner described in the 
Calculating Average Daily Balances section is less than $.50 but more than $.00, we will 
impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). 
The amount of interest charged will be shown on your billing statement in the Interest 
Charged section; except that, when imposed, the minimum charge will appear in the 
Fees Charged section of your statement.
Foreign Currency Transactions. If a transaction on the account is in a currency other than 
U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a 
purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard 
rules  then  in  effect.  Currently,  Visa  and  MasterCard  rules  provide  that  the  exchange 
rate  between  the  transaction  currency  and  the  billing  currency  used  for  processing 
international transactions will be a rate selected by Visa or MasterCard from the range of 
rates available in wholesale currency markets for the applicable central processing date 
(which rate may vary from the rate Visa or MasterCard itself receives) or the government 
mandated rate in effect for the applicable central processing date. You agree to accept 
the converted amount. We will charge you three percent (3%) of the amount calculated 
by Visa or MasterCard as a Currency Conversion Fee. Each Currency Conversion Fee 
will be itemized in the Transactions section on your billing statement. The total amount 
of any Currency Conversion Fee(s) will be shown on your billing statement in the Fees 
Charged section.
Paying Interest:
Grace  Period  for  Purchases.  You  will  have  a  grace  period  during  which  we  will  not 
impose an interest charge on Purchases if you pay your New Balance by the Payment 
Due  Date  shown  on  the  billing  statement  each  month.  Otherwise,  we  will  impose  a 
periodic interest charge on the average daily balance of Purchases.
Grace Period for Balance Transfers. You will have a grace period during which we will 
not impose an interest charge on Balance Transfers if you pay your entire balance by 
the Payment Due Date shown on the billing statement each month. Otherwise, we will 
impose a periodic interest charge on the average daily balance of Balance Transfers.
Cash Advances. There is no grace period for Cash Advances. We will impose a periodic 
interest charge on the average daily balance of Cash Advances. 
Calculating Average Daily Balance:
Purchase  Balance.  To  determine  this  average  daily  balance,  we  (a)  start  with  the 
previous  Purchase  balance  at  the  beginning  of  each  new  billing  cycle  and  subtract 
any unpaid interest charge and unpaid fees which were included in that balance; (b) 
determine the Purchase balance for each day of the billing cycle by subtracting any 
payments and credits applied to the Purchase balance and by adding new Purchases; 
and (c) at the end of the billing cycle, add these daily balances and divide the total by the 
number of days in the billing cycle to determine the average daily balance for Purchases. 
We then multiply this average daily balance by the monthly periodic rate that applies 
to Purchases to determine the amount of your periodic interest charge on Purchases.
Balance Transfer Balance. To determine this average daily balance, we (a) start with 
the  previous  Balance  Transfer  balance  at  the  beginning  of  each  new  billing  cycle 
and subtract any unpaid interest charge and unpaid fees which were included in that 

balance; (b) determine the Balance Transfer balance for each day of the billing cycle by 
subtracting any payments and credits applied to the Balance Transfer balance and by 
adding new Balance Transfers; and (c) at the end of the billing cycle, add these daily 
balances and divide the total by the number of days in the billing cycle to determine the 
average daily balance for Balance Transfers. We then multiply this average daily balance 
by the monthly periodic rate that applies to Balance Transfers to determine the amount 
of your periodic interest charge on Balance Transfers.
Cash Advance Balance. To determine this average daily balance, we (a) start with the 
previous Cash Advance balance at the beginning of each new billing cycle and subtract 
any unpaid interest charge and unpaid fees which were included in that balance; (b) 
determine  the  Cash  Advance  balance  for  each  day  of  the  monthly  billing  cycle  by 
subtracting payments and credits applied to the Cash Advance balance and adding new 
Cash Advances; and (c) at the end of the billing cycle, add these daily balances and 
divide the total by the number of days in the billing cycle to determine the average daily 
balance for Cash Advances. We then multiply this average daily balance by the monthly 
periodic rate that applies to Cash Advances to determine the amount of your periodic 
interest charge on Cash Advances.
Other Fees and Charges:
Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new Cash 
Advance. However, the fee will not be less than $10 per transaction or more than the 
amount allowed by applicable law or regulation. Each Cash Advance Fee will be itemized 
in  the  Transactions  section  on  your  billing  statement.  The  total  amount  of  any  Cash 
Advance Fee(s) will be shown on your billing statement in the Fees Charged section.
Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each new 
Balance Transfer. However, the fee will not be less than $10 per transaction or more than 
the amount allowed by applicable law or regulation. Each Balance Transfer Fee will be 
itemized in the Transactions section on your billing statement. The total amount of any 
Balance Transfer Fee(s) will be shown on your billing statement in the Fees Charged 
section.
Returned Payment Fee. When a check or other payment on your account is not honored, 
cannot be processed or otherwise cannot be applied to your account, we will charge 
you a returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for 
any additional occurrences in the following six billing cycles.
Late  Payment  Fee.  If  we  do  not  receive  at  least  the  minimum  payment  due  on  your 
account by the Payment Due Date shown on your billing statement, we will charge you 
a late payment fee of up to $25.00 for the first occurrence and up to $35.00 for any 
additional occurrences in the following six billing cycles.
Collection Costs and Attorneys’ Fees. Except as prohibited by applicable law, you will 
pay our collection costs and attorneys’ fees if you default under this Agreement.
Security Interest. Collateral furnished to secure any other credit you may owe us may 
also secure this account. However, if collateral securing other credit is your personal 
residence,  we  waive  any  claim  we  might  otherwise  have  to  treat  that  property  as 
collateral for this account.
Secured Credit Card. If you applied for and have been approved for a secured credit 
card, you acknowledge that, as a condition for your secured credit card account, you 
specifically intended to grant and have granted a security interest to us in funds held in 
a deposit account with us (the “Security Account”) including funds deposited before 
and after the effective date of this Agreement. You further acknowledge that funds in 
your Security Account must remain on deposit during the term of this Agreement as 
described in the separate Credit Card Security Agreement you have signed and delivered 
to us.

Account Use by Others. Think carefully before you lend your card or authorize another 
person  to  use  your  card  or  account.  You  cannot  limit  that  person’s  authority  to  use 
the  account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of 
revocation; and (2) until you recover possession of the card.
Notices. If we have to notify you of anything concerning your credit card account, the 
notice will be effective if we send it to your name and address as they appear in our 
records or you receive such notice by any other means. You will notify us in writing 
immediately if you change your name, address, telephone number or other pertinent 
contact information. If you write to us for any reason other than to make a payment, 
send  your  letter  to:  BankCard  Center,  P.O.  Box  1545,  Memphis,  TN  38101-1545. 
If you are one of our Banking Online customers who receives notices or statements 
electronically, you will notify our Banking Online Department if you change your e-mail 
address by following the instructions in your Banking Online Agreement. Additionally, if 
you become aware of an error regarding how activity on this account appears on a credit 
report, please write us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum 
payment shown on the billing statement, or fail to comply with any other term of this 
Agreement or any other agreement with us, or in the event of your bankruptcy, death, 
fraud or misrepresentation. If you are in default, we can demand immediate payment 
of the entire balance and all fees and charges then owing on the account, as allowed 
under applicable law.
Closing or Suspending your Account – Non-default. You may close your account at 
any time by notifying us in writing or by calling us. If more than one person is obligated 
under the Agreement, any one of them may close the account at any time and we may 
immediately close the account after we receive such a request without giving notice to 
other persons obligated for amounts owed under the Agreement. You agree that you 
will not hold us responsible for any inconvenience, costs or damage you incur arising 
from  the  closing  of  the  account  by  one  person  obligated  under  the  Agreement.  You 
may re-open your account after you close it provided one or both persons obligated 
on the account provide(s) us with a written request to re-open it within 30 days after 
the closure. We may close or suspend your account at any time without prior notice 
unless required by applicable law. In the event of any closing or suspension, you will 
immediately stop using the account in any way, you will return or destroy the card(s) 
upon request, and you will contact anyone you authorized to charge transactions to your 
account, such as phone companies or internet service providers, to change your billing 
arrangement.  You  will  remain  obligated  to  pay  the  account  balance  and  all  fees  and 
charges according to the term of this Agreement or as otherwise agreed between us. 
Additionally, if we extend credit to you because you use the account or pre-authorized 
charges are paid after you close the account, you will be responsible for payment of 
such credit in accordance with the Agreement.
Credit  Information.  You  authorize  us  to  make  credit,  employment  and  investigative 
inquiries about you from time to time to credit reporting agencies and others until the 
Agreement is terminated and the account balance is paid in full. You also promise to 
provide current financial information upon our request. We may report information about 
the  account  to  credit  reporting  agencies,  other  creditors,  Visa  and  MasterCard,  and 
others who may properly receive such information, in accordance with applicable law 
and the Privacy Notice contained herein. 
Promotions. From time to time, we may offer you temporary promotional terms. If we 
do, we will advise you in writing of the scope and duration of the promotional terms, 
and your regular terms will resume at the time our offer specifies. Occasionally, you 
may be contacted about promotions, credit card enhancements and special products. 
If you prefer not to receive this information, please write to us at BankCard Customer 

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