9/1/2021 Simmons V isa Important Disclaimers | Simmons Bank
https://www .simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures 1/3S IMMO N S V I SA I MPORTA N T D I SCLOSUR E S
I un d e r s tan d  that in o r d e r  to apply fo r  thi s  offe r  I  m u s t be able to p r int a copy of the I mpo r tant
Di sclo s u r e s  p r ovi d e d  he r ein an d  by applying I  am atte s ting that I  have r ea d  the I mpo r tant
Di sclo s u r e s , p r inte d  a copy an d  ag r ee to be bo u n d  a s  s pecifie d  the r ein. 
In stant Application E lect r onic Signat u r e Ag r eement. By s u bmitting yo u r  application online, yo u  a r e
signing the application elect r onically. Yo u  ag r ee that yo u r  elect r onic s ignat u r e i s  the legal
eq uivalent of yo u r  w r itten s ignat u r e on the application. By clicking �S u bmit� yo u  con s ent to be
legally bo u n d  by the te r m s  an d  con d ition s  an d  impo r tant d i s clo s u r e s  of the application. Yo u  al s o
ag ree that no ce r tification a u tho r ity i s  nece s s a r y to vali d ate yo u r  E lect r onic Signat u r e an d  that yo u
a re a u tho r i z e d  to ente r  into thi s  ag r eement an d  be bo u n d  by it s  te r m s .
ACCOU N T OP E N I N G D I SCLOSUR E S
I NT E R E ST RAT E S A N D I N T E R E ST C H ARG E S
Ann u al 
Pe rcentage Rate
(APR) fo r
P u rcha s e s8. 2 5% Va riable APR
Thi s APR w ill va r y w ith the ma r ket ba s e d  on the P r ime Rate.
APR fo r  Balance
T ran s fe r s8. 2 5% Va riable APR
Thi s APR w ill va r y w ith the ma r ket ba s e d  on the P r ime Rate.
APR fo r  Ca s h
A dvance s  an d
Convenience
Check s1 2. 2 5 % Va riable APR
Thi s APR w ill va r y w ith the ma r ket ba s e d  on the P r ime Rate.
Ho w to Avoi d
Paying I nte r e s t
on P u r cha s e sYo u r  d u e d ate i s  2 5  d ay s  afte r  the clo s e of each billing cycle. We w ill not cha r ge yo u  any
inte r e s t on p u r cha s e s  if yo u  pay yo u r  enti r e balance by the d u e d ate each month. We
will begin cha r ging inte r e s t on ca s h a d vance s , balance t r an s fe r s  an d  convenience check s
on the t r an s action d ate.
Fo r C r e d it Ca r d
Tip s f r om
Con s u me r
Financial
P rotection
B u rea uTo lea r n mo r e abo u t facto r s  to con s i d e r  w hen applying fo r  o r  u s ing a c r e d it ca r d , vi s it
the w eb s ite of Con s u me r  Financial P r otection B u r ea u  at
F E ES
Ann u al Fee None
T ran s action
Fee s Balance T r an s fe rD u ring the p r omotional pe r io d : eithe r  $ 1 0. 0 0 o r 3% of the amo u nt of
each balance t r an s fe r , w hicheve r  i s  g r eate r . Afte r  the p r omotional
pe rio d : $ 0.http:// w w w .con s u me r finance.gov/lea r nmo r e. 9/1/2021 Simmons V isa Important Disclaimers | Simmons Bank
https://www .simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures 2/3Ca sh A d vance an d
Convenience
Check s3% of the amo u nt of each ca s h a d vance, b u t not le s s  than $4. 0 0.
Fo reign P u r cha s e
T ran s action2% of each p u r cha s e t r an s action in US d olla r s .
Penalty
Fee sLate Payment Up to $ 3 5. 0 0
Ret u r ne d
PaymentUp to $ 3 5. 0 0
Ho w We Will Calc u late Yo u r  Balance: We u s e a metho d  calle d  "ave r age d aily balance (incl u d ing
ne w p u r cha s e s )." Fo r  f u r the r  d etail s , plea s e s ee A d d itional Di s clo s u r e s , belo w  o r  the C r e d it Ca r d
Membe r s hip R u le s  that w ill be p r ovi d e d  to yo u  befo r e yo u  can begin u s ing yo u r  ne w  ca r d .
Billing Right s : Info r mation on yo u r  r ight s  to d i s p u te t r an s action s  an d  ho w  to exe r ci s e tho s e r ight s  i s
p rovi d e d  in the C r e d it Ca r d  Membe r s hip R u le s  that w ill be p r ovi d e d  to yo u  befo r e yo u  can begin
u sing yo u r  ne w  ca r d .
ADD I T I O N AL D I SCLOSUR E S
1. Finance Cha r ge s  s ta r t to acc r u e on ca s h a d vance s , convenience check s  an d  balance t r an s fe r s
on the t r an s action d ate. Finance cha r ge s  fo r  p u r cha s e s  gene r ally w ill s ta r t to acc r u e f r om the
t ran s action d ate, ho w eve r , no finance cha r ge s  w ill acc r u e on ne w  p u r cha s e s  if the enti r e
balance in yo u r  acco u nt i s  pai d  by the d u e d ate each month.
2. We fig u r e the inte r e s t cha r ge on yo u r  acco u nt by applying the pe r io d ic r ate to the "ave r age
daily balance" of yo u r  acco u nt. To get the "ave r age d aily balance" w e take the beginning
balance of yo u r  acco u nt each d ay, a d d  any ne w  p u r cha s e s , a d vance s , fee s , u npai d  finance
cha rge an d  s u bt r act any payment s  o r  c r e d it s . Thi s  give s  u s  the d aily balance. Then, w e a d d  u p
all the d aily balance s  fo r  the billing cycle an d  d ivi d e the total by the n u mbe r  of d ay s  in the
billing cycle. Thi s  give s  u s  the "ave r age d aily balance."
3. Yo u r  acco u nt ha s  a va r iable r ate in d exe d  on the P r ime Rate. The r ate on yo u r  acco u nt fo r
p u rcha s e s  an d  balance t r an s fe r s  i s  the P r ime Rate pl u s  5 . 0 0 % pe r  ann u m. The r ate on yo u r
acco u nt fo r  ca s h a d vance s  an d  convenience check s  i s  the P r ime Rate pl u s  9 . 0 0 % pe r  ann u m.
Yo u r  r ate w ill inc r ea s e if the P r ime Rate inc r ea s e s , b u t w ill only change one time pe r  s tatement
cycle. I f the p r ime r ate inc r ea s e s  va r iable APR s  (an d  co r r e s pon d ing DPR s ) w ill inc r ea s e. I n that
ca se yo u  may pay mo r e inte r e s t an d  may have a highe r  minim u m payment d u e. Change s  in
APR s  (inc r ea s e s  o r  d ec r ea s e s ) d u e to change s  in the P r ime Rate w ill be effective on the fi r s t
day of yo u r  next s tatement cycle beginning at lea s t t w o d ay s  afte r  the change in the P r ime
Rate. The P r ime Rate i s  the p r ime r ate p u bli s he d  in the Money Rate s  col u mn of The Wall St r eet
Jo u rnal in effect fo r  the s econ d  b u s ine s s  d ay p r io r  to the beginning of each s tatement cycle.
Va riable r ate APR s  a r e ba s e d  u pon the 3 . 2 5 % P r ime Rate in effect on Ma r ch 1 5 , 2 0 2 0 .
The membe r s hip s e r vice s  of thi s  application a r e p r ovi d e d  by Simmon s  Bank, Pine Bl u ff, A r kan s a s .
The applicant( s ), a s  an in d u cement to i s s u e ca r d , r ep r e s ent s  an d  w a r r ant s  info r mation in o r  in
connection w ith application to be complete an d  co r r ect, an d  that applicant w ill by accepting the
ca r d be bo u n d  by the C r e d it Ca r d  Membe r s hip R u le s  s u pplie d  w ith the ca r d  an d  a s  amen d e d  by
i s s ue r  f r om time to time, an d  applicant a u tho r i z e s  Simmon s  Bank to ve r ify o r  make inq u i r ie s
rega r d ing s u ch application info r mation an d  to f u r ni s h s ame to othe r s  in r o u tine c r e d it manne r . All
of the applicant s  ag r ee to be jointly an d  s eve r ally liable w ith applicant to the extent of u s e of the
ca r d an d  to be bo u n d  by the Ca r d  Membe r s hip R u le s  a s  amen d e d  by i s s u e r  f r om time to time. 9/1/2021 Simmons V isa Important Disclaimers | Simmons Bank
https://www .simmonsbank.com/personal/credit-cards/simmons-visa/simmons-visa-important-disclosures 3/3Signat u r e( s ) r eq u i r e d  fo r  c r e d it line s  of $ 2 5 , 0 0 0  an d  above. If yo u  q u alify fo r  a c r e d it line of
$ 2 5, 0 0 0  o r  above, w e w ill s en d  a fo r m to yo u  fo r  yo u r  s ignat u r e( s ) p r io r  to mailing the ca r d ( s ).
C re d it line s  above $ 2 5 , 0 0 0  w ill r eq u i r e a financial s tatement.
Milita r y Len d ing Act: Fe de r al la w  p r ovi d e s  impo r tant p r otection s  to membe r s  of the A r me d  Fo r ce s
an d thei r  d epen d ent s  r elating to exten s ion s  of con s u me r  c r e d it. I n gene r al, the co s t of con s u me r
c re dit to a membe r  of the A r me d  Fo r ce s  an d  hi s  o r  he r  d epen d ent may not excee d  an ann u al
pe rcentage r ate of 3 6 %. Thi s  r ate m u s t incl u d e, a s  applicable to the c r e d it t r an s action o r  acco u nt;
the co s t s  a s s ociate d  w ith c r e d it in s u r ance p r emi u m s ; fee s  fo r  ancilla r y p r o d u ct s  s ol d  in connection
with the c r e d it t r an s action; any application fee cha r ge d  (othe r  than ce r tain application fee s  fo r
specifie d  c r e d it t r an s action s  o r  acco u nt s ); an d  any pa r ticipation fee cha r ge d  (othe r  than ce r tain
pa rticipation fee s  fo r  a c r e d it ca r d  acco u nt). The minim u m payment w ill be the g r eate r  of (i) 1 % of
the N e w  Balance pl u s  all finance cha r ge s  an d  late fee s  a s s e s s e d  d u r ing the billing cycle pl u s  any
pa st d u e amo u nt s , o r  (ii) $ 1 0 . Refe r  to the w r itten mate r ial yo u  w ill r eceive in connection w ith
opening the acco u nt. Fe d e r al La w  r eq u i r e s  that the s e d i s clo s u r e s  be p r ovi d e d  to yo u  both in
w riting an d  o r ally. To r eceive the r eq u i r e d  o r al d i s clo s u r e s , plea s e call 8 0 0 - 2 7 2 - 2 1 0 2  an d  s elect the
option fo r  Milita r y Len d ing Act o r al d i s clo s u r e s . The s e Acco u nt Di s clo s u r e s  a r e pa r t of an d
integ r ate d  w ith yo u r  V I SA C r e d it Ca r d  Ag r eement w ith Simmon s  Bank. We r e s e r ve the r ight to
amen d  the V I SA C r e d it Ca r d  Ag r eement a s  pe r mitte d  by la w . The above r ate s  an d  fee s  a r e effective
a s of 1 0 / 0 4/ 2 0 1 7.
I NT E R N E T PR I VACY
While info r mation i s  the co r ne r s tone of o u r  ability to p r ovi d e s u pe r io r  s e r vice at Simmon s  Bank, o u r
impo r tant a s s et i s  o u r  c u s tome r ' s  t r u s t. Keeping c u s tome r  info r mation s ec u r e, an d  u s ing it only a s
o u r c u s tome r s  w o u l d  w ant u s  to, i s  top p r io r ity fo r  all of u s  at Simmon s  Bank. H e r e then, i s  o u r
p romi s e:
1. We w ill s afeg u a r d , acco r d ing to acceptable s tan d a r d s  of s ec u r ity an d  confi d entiality, any
info r mation o u r  c u s tome r s  s ha r e w ith u s .
2. We w ill limit the collection an d  u s e of c u s tome r  info r mation to the minim u m w e r eq u i r e to
delive r  s u pe r io r  s e r vice to o u r  c u s tome r s , w hich incl u d e s  a d vi s ing o u r  c u s tome r s  abo u t o u r
p ro d u ct s , s e r vice s , an d  othe r  oppo r t u nitie s , an d  to a d mini s te r  o u r  b u s ine s s . We w ill pe r mit
only a u tho r i z e d  Simmon s  Bank employee s , w ho a r e t r aine d  in the p r ope r  han d ling of c u s tome r
info r mation, to have acce s s  to that info r mation.
3. We w ill al w ay s  maintain cont r ol ove r  the confi d entiality of o u r  c u s tome r  info r mation.
4. Yo u can vi s it o u r  w eb s ite an d  fin d  o u t abo u t o u r  p r o d u ct s  an d  s e r vice s ; r ea d  o u r  Co r po r ate
repo r t s , o r  get a ne w s  u p d ate an d  othe r  val u e-a d d e d  s e r vice s  w itho u t giving u s  any
info r mation abo u t yo u r s elf.
5. If yo u  d o p r ovi d e pe r s onal info r mation, s u ch a s  a d d r e s s , e-mail, telephone an d  fax n u mbe r s , a s
well a s  d emog r aphic s  an d  c u s tome r  i d entification, w e w ill not d i s clo s e ( s ha r e, s ell o r  d iv u lge) it
to exte r nal o r gani z ation s  u nle s s  w e have info r me d  yo u , been a u tho r i z e d  by yo u , o r  a r e
req u i r e d  to d o s o by activitie s  an d  t r an s action s , acco r d ing to o u r  u s u al s t r ict s ec u r ity an d
confi d entiality s tan d a r d s .