visa siGNaTURE®
BaNKMiLEs
visa siGNaTURE®
CasH BaCK

aGREEMENT aNd
disCLosURE

the  prospect  of  payment  or  performance  is  significantly  impaired,  all  amounts 
outstanding will also be in default. If you miss a payment or break one of your 
promises  under  this  Agreement  or  make  any  false  or  misleading  statements 
on your application, we can require payment of the entire outstanding balance. 
Events which may indicate to us that the prospect of payment on this account is 
impaired are events such as your mental incompetency, adjudication of insanity, 
bankruptcy filing, collection efforts against you by other creditors or your failure 
to pay us on other accounts you have with us. If these events, or others occur, 
and we should reasonably believe you are unable to pay us then the account will 
be placed in default.
OFFSET  PROVISIONS  UPON  TERMINATION  OF  YOUR  ACCOUNT.  If  you 
continue to use your account after you have been notified of the termination of 
your account by us, you agree we have the right to take that amount used after 
termination from any accounts you may have with First Citizens.
ILLEGAL USE. Your account may not be used for any illegal purpose.
SECURITY  INTEREST.  If  you  have  elected  to  purchase  “Optional  Credit  Life 
Insurance,” you agree to give a Uniform Commercial Code security interest in the 
proceeds of the insurance to the Bank. If you have other loans from First Citizens, 
or  you  take  out  other  loans  with  First  Citizens  in  the  future,  collateral  (except 
for  deposit  funds)  securing  these  loans  will  also  secure  your  obligation  under 
this  Agreement,  excluding  loans  secured  by  either  your  primary  or  secondary 
residence, nonpossessory non-purchase money security interests in household 
goods,  margin  stock,  or  as  otherwise  prohibited  by  law.  Visa  accounts  are 
otherwise  unsecured  unless  you  have  signed  a  separate  security  Agreement 
which will give us a Uniform Commercial Code security interest in the personal 
property described in that Agreement.
BUSINESS  USE  OF  CARDS.  If  we  issue  ten  (10)  or  more  cards  for  use  by 
employees  of  a  single  business  or  other  organization,  the  business  or  other 
organization will be liable for unauthorized use of any such cards.
FINANCIAL  STATEMENTS.  You  understand  that  we  may  need  updated 
financial information from you, at some time in the future. If we ask, you agree to 
give us a revised financial statement. If you do not provide us with an updated 
financial statement within ten (10) days of our request, then you agree that your 
account may be frozen or terminated, at our discretion.
ISSUANCE. The card(s) is our property. If we ask you to return the card(s) to us 
or our agent, you must do so. You also agree not to use the card(s) after it has 
expired or after we have asked you to return it. The card(s) will be issued by First 
Citizens Bank and Trust Company, Inc.
CHANGE OF TERMS. We may change the terms of the Agreement at any time 
upon  giving  you  notice  of  the  change,  as  required  by  law.  Certain  changes  in 
terms, such as certain increases in your ANNUAL PERCENTAGE RATE, will not 
apply to existing balances on your account. 
CANCELLATION. We have the right to cancel this Agreement at any time at our 
sole discretion as to future use of the account, subject to applicable law. Should 
we elect to do so, we may notify you by telephone and or by writing you at the 
address shown for your account with a reason for the termination. However, if 
a tax lien or judgment is filed against you or if you file for bankruptcy, we will 
terminate your account without notice to you. 
You may cancel your account by writing us at BankCard Division, P.O. Box 29, 
Columbia SC 29202. Of course, if your account is cancelled, you are required to 
pay everything you owe us including any amounts that have not been billed to 
you at the time of cancellation. You must also return all cards we have given you.

CHANGE OF ADDRESS. Should you move, you must give us your new address 
in writing. Please include the change of address when you make your payment.
RESPONSIBILITY.  We  are  not  responsible  if  anyone  refuses  to  extend  credit 
to you on the card(s). No cash refunds will be made to you or accepted by you 
for returned goods or adjustments for goods or services purchased by you. All 
adjustments will be made by a credit to your account after the Bank has received 
a properly prepared credit slip.

LOSS  OR  THEFT  OF  CARD.  Let  us  know  immediately.  Call  1-800-241-0912 
if  the  card(s)  has  been  lost  or  stolen.  You  agree  to  give  us  your  complete 
cooperation  in  our  attempts  to  recover  any  losses  from  unauthorized  Card  or 
Check users and shall assist in the prosecution of such persons.

NOTICE: 

IMPORTANT  INFORMATION  REGARDING  YOUR  RIGHTS 
TO  DISPUTE  BILLING  ERRORS  IS  COVERED  IN  “YOUR 
BILLING  RIGHTS”  FOLLOWING  THIS  AGREEMENT. 
PLEASE  READ  CAREFULLY  AND  KEEP  WITH  THIS 
AGREEMENT FOR YOUR RECORDS.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair 
Credit Billing Act.

What To Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at:

First Citizens
Bankcard Division
P. O. Box 29
Columbia, SC 29202

In your letter, give us the following information:

• 
• 
• 

Account information: Your name and your 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.  You  may  call  us  at  
(803)  733-2050,  but  if  you  do  we  are  not  required  to  investigate  any  potential 
errors and you may have to pay the amount in question.

What Will Happen After We Receive Your 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 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 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: 

First Citizens
Bankcard Division
P. O. Box 29
Columbia, SC 29202
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.
These limitations do not apply if we own or operate the merchant, or if we mailed 
you the advertisement for the property or services.

VISA SIgNATUrE
(07/12) 

F03-M282-8

VISA SIGNATURE® BANKMILES 
VISA SIGNATURE® CASH BACK 
AGREEMENT AND DISCLOSURE

Thank you for opening your First Citizens Signature Bankmiles or Signature Cash 
Back account with us. This Visa Signature® BankMiles / Visa Signature® Cash 
Back Agreement and Disclosure, along with Your Account Agreement Summary, 
is the agreement that covers your account (collectively, the “Agreement”). Your 
Account  Agreement  Summary  that  you  received  with  your  card  is  part  of  and 
incorporated into this Agreement. By using or authorizing the use of your credit 
card  or  account,  or  using  or  authorizing  the  use  of  any  future  replacement 
cards,  you  agree  that  you  (and  your  heirs,  successors,  representatives,  and 
beneficiaries, if any) are bound by this Agreement. If this is a joint account, both 
of you will be bound by this Agreement and each of you is liable for all amounts 
owed  on  your  account.  By  use  of  the  account,  you  realize  that  you  are  also 
bound by the rules and Conditions of the rewards program associated with your 
account, which will be furnished to you with your card.
The words YOU and YOUr mean anyone who signed the application for a credit 
card, thereby agreeing to be bound by this Agreement. WE, OUr, US and BANK 
mean the First Citizens Bank and Trust Company, Inc.
CREDIT LIMIT. You will be sent a separate notice telling you the amount of your 
credit limit. You agree to make purchases and advances up to the credit limit only. 
If you do use your account for more than your credit limit, we are not required to 
allow the transaction. However, we may, in our sole discretion, allow a transaction 
that exceeds your credit limit (an “over-limit transaction”). We also may, but are 
not required to, ask you in advance if you want us to allow over-limit transactions. 
If you agree to over-limit transactions and do not revoke your consent, we will 
charge you an over-limit fee for conducting the transaction. If you have not agreed 
in advance to over-limit transactions, we still may conduct the transaction in our 
discretion, but will not charge you an over-limit fee for doing so. From time to time, 
we may increase or decrease your credit limit. If you do not want the credit limit 
increase, you must notify us in writing.
PURCHASES.  You  can  use  your  card  to  buy  goods  and  services  any  place 
Visa  credit  cards  are  honored.  In  most  cases  you  will  sign  a  sales  slip.  We 
shall have no liability or responsibility if any merchant refuses to honor a credit 
card. No cash refunds will be made to or accepted by you with respect to any 
adjustments  for  goods  or  services  purchased.  Any  adjustment  in  connection 
therewith  shall  be  accompanied  only  by  credit  to  your  account,  authorized  by 
a properly executed credit slip. If you incur a charge in currency other than U.S. 
dollars, Visa International will convert the charge into a U.S. dollar amount under 
the currency conversion procedures set forth in their Operating regulations in 
effect at the time the transaction is processed. The non-U.S. dollar transaction 
amount  is  converted  into  a  U.S.  dollar  amount  by  multiplying  the  transaction 
amount in the non-U.S. dollar currency by a currency conversion or exchange 
rate. Visa’s exchange rate is either (i) the government-mandated rate in effect 
for the applicable central processing date, or (ii) a rate selected by Visa from the 
range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives. In each 
case, Visa charges us a percentage of the transaction amount (currently 1%). 
We  will  charge  Visa  cardholders  a  multicurrency  conversion  fee  of  1%  of  the 
transaction amount, which you agree to pay and which will be charged to your 
account. The currency conversion rate in effect on the processing date may differ 
from the rate in effect on the transaction date or on the posting date. 

CASH ADVANCES. You may also obtain cash advances against your account 
at  First  Citizens  or  other  banks  displaying  Visa  signs,  using  either  your  credit 
card or a Visa Convenience check. If we issue you a card that may be used at an 
automated teller machine (ATM) to obtain a cash advance, we will provide you 
a Personal Identification Number (PIN) to access participating ATM networks.
CONVENIENCE  CHECKING.  Advances  may  also  be  obtained  by  means  of 
checks  you  may  draw  against  your  account  if  such  checks  have  been  issued 
to  you  by  us  (Convenience  Checks).  Each  Convenience  Check  you  use  will 
be posted as a cash advance against your account from the date the check is 
posted to your account. Only Convenience Checks we furnish to you and which 
have  been  imprinted  with  your  account  number  may  be  used,  and  only  those 
cardholders whose names are imprinted on the Convenience Checks may sign 
the  checks.  You  agree  that  we  are  under  no  obligation  to  pay  or  certify  any 
Convenience Check drawn on your credit card account. We will not be responsible 
or liable for dishonoring or returning a Convenience Check unpaid if (a) payment 
of the Convenience Check causes your available line of credit to be exceeded; 
(b) if you have defaulted under the terms of this Agreement; (c) if your card has 
expired or the privilege of using the card has been terminated; or (d) if your card 
has been lost or stolen. If we in our discretion pay any Convenience Check which 
could  have  been  properly  dishonored  or  returned  unpaid  for  any  reason,  you 
agree nevertheless to pay the amount of the Convenience Check. If we honor a 
Convenience Check when you have exceeded your credit limit or that causes you 
to exceed your credit limit, we may charge you an over-limit fee as allowed in the 
“CrEDIT LIMIT” paragraph above. Payment of a Convenience Check shall not 
constitute the waiver of amounts due and unpaid at that time. You waive any right 
to stop payment of a Convenience Check. First Citizens BankCard Convenience 
Checks may not be used for payment of your First Citizens BankCard accounts.
PROMISE TO PAY. When you use your account or permit someone to use it 
for a purchase or advance, you agree to pay the total amount of all purchases 
or advances, plus interest charges, applicable transaction fees, other applicable 
fees,  and  collection  costs  or  other  amounts  due  until  all  amounts  owed  have 
been paid in full. 
OTHERS  USING  YOUR  ACCOUNT.  You  agree  to  pay  for  all  purchases  and 
advances made by anyone you authorize to use your account. If someone else is 
authorized to use your account and you want to end that person’s privileges, you 
must let us know in writing. If that person has a card, you must return the card 
with your written notice. We reserve the right to close the present account and to 
evaluate all parties for new accounts.
STATEMENTS.  Each  month  that  you  have  a  balance  we  will  send  you  a 
statement.  Your  statement  will  show  your  new  balance,  the  minimum  amount 
you  must  pay,  information  on  the  effect  of  making  only  the  minimum  required 
payments, the latest date by which we must receive the payment, and certain 
other  information.  You  agree  to  examine  each  statement  promptly  after  you 
receive it and notify the Bank in writing within sixty (60) days of any apparent 
mistakes. If you do not report any mistakes to us within sixty (60) days following 
the date of the statement, the statement will be considered correct.
MINIMUM PAYMENTS. You can pay your new balance in full each month, or you 
may pay minimum monthly payments. If you decide to make minimum payments, 
you must make a minimum payment of at least 3% of the new balance (rounded 
to  the  nearest  dollar)  or  $10.00,  whichever  is  the  greater  amount.  If  the  new 
balance is less than $10.00, you must pay that full amount.
PREPAID PAYMENTS. You can also make a monthly payment that is greater 
than your minimum payment. If your monthly payment exceeds your minimum 

payment, the excess amount will be applied to the minimum payment(s) for up 
to the next two (2) months as long as the amount you paid is equal to or more 
than  the  minimum  payment  due  for  that/those  statement(s).  If  your  monthly 
payment  exceeds  the  minimum  payment  and  is  enough  to  pay  the  minimum 
payment for the following month or two months, we will show your next monthly 
minimum payment on your statement as “PrEPAID” for a period of up to two (2) 
consecutive months. For example, if your minimum monthly payment is $20.00, 
and you pay $100.00, then the next monthly statement will show your minimum 
payment as “PrEPAID” and you will not have to make a payment for that month, 
although you may make a payment if you wish. The next monthly statement will 
also show your minimum payment as “PrEPAID” and you will not have to make a 
monthly payment although you may if you wish. We will allow you to “prepay” your 
payments only for two (2) consecutive months, after which time your minimum 
payment  will  again  be  3%  of  the  new  balance,  rounded  to  the  nearest  dollar. 
Prepayments will not be considered sufficient if less than the minimum payment 
due.  Interest  charges  will  continue  to  accrue  at  the  normal  rate,  regardless  of 
whether a monthly minimum payment is prepaid by you. Your monthly statement 
will show the amount of your minimum payment or, where applicable, that it is 
“PrEPAID.” If your account is over limit or past due, this service is not applicable.
LATE PAYMENT FEE. If a payment is not made in full within 10 days after its due 
date, we may charge you the maximum late charge authorized by law. You agree 
to pay a late payment fee of the greater of $7.00 or 5% of the unpaid amount of 
your payment, not to exceed $17.50. The amount of this late payment fee may 
increase on July 1st of every even numbered year, pursuant to South Carolina 
Code Section 37-1-109.
OVER CREDIT LIMIT FEE. If you have authorized us to honor transactions that 
exceed your credit limit or that are made when your account balance is already 
higher than your credit limit plus the lesser of 10% of the credit limit or $100.00 
(an  “over-limit  transaction”),  we  may  charge  you  an  over  limit  fee  of  $10.00 
for  conducting  that  over-limit  transaction.  If  you  have  not  authorized  over-limit 
transactions or have revoked a prior authorization, we still in our discretion may 
honor a transaction that you make that would be an over-limit transaction, but we 
will not charge you these over limit fees when allowing the transaction.
OTHER FEES AND CHARGES ON YOUR ACCOUNT. Copies of statements 
may be requested at a fee of $5.00 per statement. Copies of sales drafts may 
also be requested at a minimum charge of $3.00 and the maximum charge up to 
the actual cost of retrieval.
TRAVEL  INSURANCE.  You  will  be  automatically  covered  for  $500,000  travel 
insurance  anytime  you  use  your  Visa  Signature®  account  to  purchase  travel 
tickets. This common carrier travel insurance is furnished at no cost to you, the 
cardholder.
GRACE PERIOD; PAYING INTEREST. Your due date for payments is at least 25 
days after the close of each billing cycle. This means that we will not charge you 
interest on purchases if you pay your entire balance by the due date each month.
INTEREST CHARGES AND ANNUAL PERCENTAGE RATE. We will charge 
you an interest charge on every purchase or cash advance you make beginning 
on the date you make the purchase or cash advance, or from the first day of your 
billing cycle, whichever date is later. We use the average daily balance method 
(including current transactions) to figure the interest on your account:
1.  We figure the interest charge on your account by applying the periodic rate 
to  the  “average  daily  balance”  of  your  account.  To  get  the  “average  daily 
balance” we take the beginning balance of your account each day, add any 
new purchases or advances, and subtract any payments or credits. This gives 

us the daily balance. Then, we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives 
us the “average daily balance”.

2.  We multiply your average daily balance by the Monthly Periodic rate listed 
below. The sum of this calculation is the total interest charge for the month.

Card Type 
Visa Signature 
BankMiles 
Visa Signature 
Cash Back 

Monthly 
Periodic Rate 
*See Below 

ANNUAL
PERCENTAGE RATE
Prime + 6.00% 

*See Below 

Prime + 6.00% 

*Visa Signature BankMiles and Visa Signature Cash Back: The ANNUAL 
PERCENTAGE RATE will vary and is based on the Prime rate or average 
prime rate (if more than one) as quoted under the “Money rates” section in 
The Wall Street Journal on the 1st day of each month or the first business 
banking day following the 1st day of that month plus six percent (6.00%). The 
ANNUAL PERCENTAGE RATE and Monthly Periodic rate is the same for 
purchases, cash advances, and transfers.
The Monthly Periodic rate and ANNUAL PERCENTAGE RATE are based 
on the Prime rate and are subject to increase (or decrease) if the Prime rate 
increases (or decreases) and may change every month effective on the first 
day of the next billing cycle. 
To figure the Monthly Periodic rate, take the Prime rate in effect, add 6.00% 
and  divide  by  12.  To  show  how  this  formula  works,  on  July  2,  2012,  The 
Wall Street Journal Prime rate was 3.25%. You add 6.00% and arrive at the 
ANNUAL PERCENTAGE RATE of 9.25%. To figure the Monthly Periodic 
rate,  divide  the  9.25%  ANNUAL  PERCENTAGE  RATE  by  12  and  your 
Monthly Periodic rate is 0.77%. The rates in this example are estimates.
An increase in the Prime rate will cause the ANNUAL PERCENTAGE RATE 
to increase and will result in an increase in the amount of minimum monthly 
payment and cause a smaller amount of the minimum monthly payment to be 
applied to principal and therefore increase the number of payments required 
to pay the principal balance in full.

3.  If  the  amount  of  your  monthly  payment  does  not  cover  all  accrued  unpaid 
interest charges, the unpaid interest charges will become part of the unpaid 
balance on your next bill.

4.  No interest charges are imposed on goods and services purchased if the total 
New Balance as shown on your monthly periodic statement is paid by the due 
date.

ANNUAL FEE. A non-refundable annual fee will be charged to your account per 
year as follows:

Visa Signature BankMiles $0 in first year. Thereafter $55 per year.
Visa Signature Cash Back $0 per year.

COLLECTION  COSTS.  You  agree  to  pay  all  court  costs  and  collection  costs, 
including reasonable attorney’s fees not to exceed 15% of the unpaid balance of 
your account if we are forced to take collection action.
DEFAULT PROVISIONS - ENTIRE BALANCE DUE. If a payment is not made 
within  ten  (10)  days  of  its  due  date,  we  may  give  you  notice  of  your  right  to 
Cure  the  default  within  twenty  (20)  days  after  the  notice  is  sent.  If  you  fail  to 
cure the default or if you cure the default after the notice is sent but later default 
within twelve (12) months on a future payment, we may terminate the Agreement 
and  declare  the  entire  balance  due  and  payable  without  notice  or  demand.  If