Visa® Credit Card Agreement

This document, together with the “Account Summary Table” on the card carrier sent with each new card, form the “Agreement” that 
governs the credit card account established for you by Regions Bank (“Account”) and each Visa credit card issued to access the 
Account (a “Card”). In this Agreement, “we,” “us” and “our” mean Regions Bank, and “you” and “your” mean each person who applied 
for or otherwise agreed to be responsible for the Account. If we use a capitalized term in this Agreement but we do not define that term, 
the term refers to the corresponding term used in your billing statement. Please read and keep these documents for your records. By 
keeping, using or permitting others to use the Account or any Card, you accept the terms of this Agreement. 

Term 

What It Means To You  

Our Rights and Responsibilities 

Important Terms of Your Account 

Credit Limits 

Default 

Changing 
Terms 

We will give you a credit limit for your Account. We also 
may give you different limits for different types of 
transactions. For example, we may tell you that you can 
only use part of your credit limit for Cash Advances. We 
will tell you the initial credit limits for your Account on the 
card carrier. You agree not to attempt any transaction 
that would cause any outstanding balance on your 
Account to exceed the credit limit for that balance. If any 
balance on your Account goes over the credit limit for 
any reason, you must pay the amount that is over the 
limit right away. 

You will be in default under this Agreement if: 
•  You fail to make any payment required by this 

Agreement, 

•  You fail to make any payment required by any other 

agreement you may have with Regions, or  

•  You fail to keep any of your obligations under this 
Agreement or other agreement you may have with 
Regions.  

We may change the terms of this Agreement (including 
interest rates, fees and other charges) at any time. 
These changes may include adding or deleting terms.  

If you have the right to reject any change, and if you 
reject the change in the manner provided in our notice of 
the change, we may terminate your right to receive 
additional credit under this Agreement and may ask you 
to return all Cards, Access Checks and other credit 
devices as a condition of your rejection.  In addition to 
our right to change the terms of this Agreement, we also 
may replace your Card with another Card at any time. 

Your billing statements also will show your credit limits 
and available credit. We may change your credit limits at 
any time, subject to any requirements or restrictions of 
applicable law."  

This Agreement applies to all transactions and balances 
on your Account, including any transaction that would 
cause any outstanding balance on your Account to 
exceed any of your credit limits.  

If you are in default, in addition to our other rights under 
this Agreement and subject to applicable law, we can 
require immediate payment of the total outstanding 
balance owed on your Account. Unless prohibited by 
applicable law, we can also require you to pay our 
collection costs, attorneys’ fees, court costs and all other 
expenses we incur to enforce our rights under this 
Agreement, as described more fully below in the 
“Collections” section.  
We may change these terms based on changes to your 
risk profile, such as changes to your payment patterns, 
transaction patterns, balance patterns, and utilization 
levels of this and other accounts, credit bureau 
information (including the age, history and type of other 
accounts), and relationships between each and all of 
these measures of risk.  We may also change terms for 
reasons not related to your individual credit history, such 
as overall economic and market trends, changes in 
applicable law, product design, and business needs.  If 
we plan to change this Agreement, we will comply with 
the notice requirements and any other restrictions of 
applicable law that are in effect at that time. 

Using Your Account 

You may use your Account for the types of transactions described below. You may not use a Balance Transfer, Access Check or any 
other Cash Advance to make a payment on this or any other account with us or our affiliates.  You may not use or permit your Account 
to be used for any illegal transaction.  You may use your Account only for transactions that are legal where you conduct them.  We may 
charge your Account for any illegal transactions, and we will not be liable if you engage in an illegal transaction.  We may deny 
authorization of any transactions identified as Internet gambling.  You may not use your Account 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”).  Use of your Card in those countries will be blocked. 

Transaction 

What It Means To You 

Our Rights and Responsibilities 

Purchases 

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You may use your Account to buy or lease goods or 
services.   

All Transaction Fees and adjustments associated with 
Purchases, as well as any Late Fees, Annual Fees and 
other fees listed in the “Account Fees and Charges” 
section below,  will be treated as Purchases under this 
Agreement.  

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Balance 
Transfers 

Cash 
Advances 

Access Check 
Transactions 

Promotional  
Transactions 

You may request us to make an advance from your 
Account to pay a balance you owe to another creditor. 
From time to time, we may offer you the option to use a 
special Access Check to make a Balance Transfer. 
Except for any such special offer, Balance Transfers do 
not include balances you pay using an Access Check.  
You may obtain cash or other advances in any of the 
following ways: 
•  From us, another financial institution, a non-financial 
financial institution, or automated teller machine that 
accepts your Card. 

•  By using a check we may provide to you to access 
your Account (an “Access Check”), as described 
more fully below in the “Access Check Transactions” 
section. 

•  By purchasing items that can be traded right away 
for cash, such as wire transfers, money orders, 
traveler’s checks, lottery tickets or casino chips.  

•  By getting an advance deposited to a Regions 

checking account if you are enrolled in an overdraft 
protection program under a separate agreement with 
us (an “Overdraft Advance”). 

•  By placing bets or wagers (if legal) or to make tax or 

other similar payments. 
Each Access Check must: 
•  Be fully completed and signed by the person whose 

name is printed on the Access Check,  

•  Not be for an amount that would cause your Account 

to go over any of your credit limits,  

•  Not be used if you are in default under this 
Agreement, if we suspended or closed your 
Account, or if we told you not to use the Account, 
Card or Access Checks for any reason, and 

•  Not be postdated or stale. This means the date you 
put on the check cannot be a date which is either (1) 
later than the date we get it, (2) more than six 
months before the date we get it, or (3) after any 
expiration date provided for that Access Check.   

If we return an Access Check because it does not 
meet any of these requirements, we may charge the 
Returned Check Fee described below in the “Account 
Fees and Charges” section. If we pay the Access 
Check anyway, you still have to pay us the amount of 
that Check and any applicable interest or fees. Unless 
required by applicable law, we have do not have to pay 
any Access Check. 
We may offer a limited time introductory or promotional 
interest rate on certain Purchases, Balance Transfers, 
or Cash Advances that are lower than the standard 
rates for those types of transactions (“Promotional 
APRs”) and/or limited time introductory or promotional 
transaction fees (“Promotional Fees”) that may be 
higher or lower than the standard fees provided below 
in the “Fees and Charges” section.  

Automatic 
Transactions 

You may authorize others to make automatic and 
recurring transactions to your Account. If your Account 
is closed or suspended, you will need to contact anyone 
you are paying through automatic transactions.  

We permit Balance Transfers from most non-Regions 
credit card accounts. We do not permit Balance 
Transfers from other Regions loans or accounts. All 
Transaction Fees and adjustments associated with 
Balance Transfers will be treated as Balance Transfers 
under this Agreement.  

All Transaction Fees and adjustments associated with 
Cash Advances will be treated as Cash Advances under 
this Agreement. 

Your billing statement will show the amount of each 
Access Check we paid. We will not return Access 
Checks to you, but you may ask us for copies of paid 
Access Checks. For each copy we provide, we may 
charge you the Document Fee described below in the 
“Account Fees and Charges” section. 

You may ask us to stop payment on an Access Check or 
to cancel a stop payment request by calling us at 1- 800-
253-2265. When you make this request, you must 
provide us with the Access Check number, dollar 
amount, and payee exactly as they appear on the 
Access Check.  Stop payment requests on an Access 
Check are effective for six months from the day that we 
place the stop payment. We need at least two (2) 
business days to be able to stop payment. We will not be 
liable to you or anyone else if we stop (or do not stop) 
payment [or cancel (or do not cancel) a stop payment 
request] on an Access Check. If you request us to stop 
payment, we may charge the Stop Payment Fee 
described below in the “Account Fees and Charges” 
section, whether or not we actually stop payment. 
We will explain the terms and conditions of any 
promotion when making the offer. Except as we tell you 
in a promotional offer, the rest of this Agreement will 
apply to transactions at the Promotional APR or with the 
Promotional Fee. Subject to any requirements of 
applicable law, we may terminate any Promotional APR if 
we do not receive any required payment on your Account 
by the Payment Due Date.    
If we issue a new credit card with a different number or 
expiration date to you, we may (but are not obligated to) 
provide your new card number and expiration date to a 
merchant with whom you have set up a recurring 
preauthorized transaction in order to continue your 
recurring preauthorized transactions.  There will be 
circumstances where you will have to contact the 
merchant.  

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Foreign 
Transactions 

For any transaction that is (1) made in a foreign 
currency or (2) processed outside of the United States, 
you may be charged the Foreign Transaction Fee 
shown in the Account Summary Table, even if made in 
U.S. dollars (a “Foreign Transaction”). Foreign 
transactions include, for example, online purchases 
from foreign merchants and Cash Advances obtained 
from an ATM or financial institution in another country. 

Authorizing 
Transactions /  
Suspending 
and Closing 
your Account 

We may limit the number or dollar amount of 
transactions on your Account. We are not obligated to 
authorize or honor any transaction, even if you have 
credit available. A merchant does not have to accept 
your Card, Checks or Account. We will not be liable to 
you or anyone else if (1) we do not authorize a 
transaction or we decline to pay an Access Check, 
regardless of the reason, or (2) a merchant will not 
accept your Card, Checks or Account. Also, we will not 
be liable to you or anyone else for goods or services 
you bought or leased using your Account, or if your 
Card is retained by us, any other financial institution, or 
any merchant.  

You may close your Account by notifying us in writing at 
the address shown on your statement or by telephone 
at 1- 800-253-2265. 

After your Account is closed, whether by you or us, you 
no longer may make transactions on your Account, but 
your obligations under this Agreement will continue until 
we receive full payment of all amounts owed under this 
Agreement.   

If you make a transaction in a foreign currency, the 
transaction will be converted by Visa International into a 
U.S. dollar amount in accordance with the operating 
regulations or conversion procedures in effect at the time 
the transaction is processed.  Currently, those 
regulations and procedures provide that the currency 
conversion rate to be used is either (1) a wholesale 
market rate or (2) a government-mandated rate in effect 
one day prior to the processing date.  The currency 
conversion rate in effect on the processing date may 
differ from the rate in effect on the transaction date or 
posting date. 
We may suspend or close your Account or otherwise 
terminate your right to use your Account.  We may do 
this at any time, for any reason and, unless required by 
law, without first notifying you. Your obligations under 
this Agreement continue even after we have done this. 
Upon our request, you must destroy all Cards, Access 
Checks or other credit devices on the Account. 

After your Account is closed, you must contact anyone 
authorized to charge transactions to your Account, such 
as internet service providers, health clubs or insurance 
companies.  These transactions may continue to be 
charged to your Account until you change the billing.  
Also, if we believe you have authorized a transaction or 
are attempting to use your Account after you have 
requested to close the Account, we may allow the 
transaction to be charged to your Account. 

You promise to pay us for all transactions on your Account, including those by anyone whom you allow to use the Account. You also 
promise to pay any interest, fees and other amounts you owe us under this Agreement. We will send you billing statements that show 
the amount you owe, the minimum amount you must pay for a particular billing cycle, and the date on which that required payment is 
due.  

Term 

What It Means To You  

Our Rights and Responsibilities 

Your Payment Obligations 

How and 
Where to Make 
Payments 

Your payments must conform to the requirements 
provided in this Agreement and each billing statement. 
The requirements on the statement may vary without 
prior notice. All payments must be made in U.S. dollars, 
and drawn on a financial institution located in the United 
States. You should mail your check or money order, 
with the payment coupon from each statement, to the 
address shown on the payment coupon.  

You may not use a postdated check to make a 
payment.  If you postdate a payment check, we may 
cash it upon receipt or return it to the person who sent 
it, in either case without waiting for the date shown on 
the check. We are not liable to you for any loss or 
expense you incur that arises out of any action we may 
take. 

Any payments marked “paid in full” must be mailed to 
the address for disputed payments shown on the back 
of your billing statement, and not to the general 
payment address shown on the payment coupon 
included with your statement. 
Except as required by law, no payment, including those 
marked with “paid in full” or with any other restrictive 
words, shall operate as an accord and satisfaction 
without the prior written approval of one of our senior 

Payments mailed to the address on the payment coupon: 
•  We will credit each payment as of the date it is 

received if (1) the payment is received by 5 p.m. local 
time at this address, and (2) the payment meets the 
requirements of this Agreement. 

•  Payments received after 5 p.m. local time at this 

address on any day (including the Payment Due Date), 
but that otherwise meet the requirements of this 
Agreement, will be credited as of our next business 
day.  

•  Credit for any other payments may be delayed up to 

five (5) days.  
Other payments: 
•  If we let you pay at a bank branch, we will credit the 

payment as of the day we receive it.  

•  If we let you pay online or by phone, we will tell you 

how to pay and when your payment will be credited.  

We may delay increasing your available credit for up to 
10 days after you make a payment.  

We can accept late payments, partial payments, or 
payments with any restrictive writing without losing any of 
our rights under this Agreement.  

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officers 
You may pay your total outstanding balance 
at any time without penalty.  
Each billing cycle, you must pay at least the total 
Minimum Payment Due shown on your monthly 
statement by its Payment Due Date. For each billing 
cycle, the total Minimum Payment Due will be: 
•  One percent (1%) of your total New Balance 

(excluding any new interest charges and Late Fee); 

•  Any new interest charges;  
•  Any new Late Fee; and  
•  The greater of any past due amount or any amount 
by which the total outstanding balance on your 
Account exceeds the credit limit for your Account.  
The total Minimum Payment Due generally will never be 
less than $15. However, if your total New Balance is 
less than $15, the total Minimum Payment Due will be 
your total New Balance.  Payments made in any billing 
cycle that are greater than the total Minimum Payment 
Due will not affect your obligation to make the total 
Minimum Payment Due for the next billing cycle. 
A “Grace Period” is any period of time during a billing 
cycle when you will not accrue interest on certain 
transactions or balances. There is a Grace Period on all 
Purchases if you pay your entire balance by the 
Payment Due Date shown on each statement. Where 
required by applicable law, we will not charge interest 
on any portion of a Purchase balance that is repaid by 
the first specified Payment Due Date after each 
Purchase was made if you paid the total New Balance 
for the previous billing cycle by the specified due date. 
There is no Grace Period for Balance Transfers or Cash 
Advances. 
You may reduce the amount of interest you pay by 
making payments that are larger than the Total 
Minimum Payment Due. Because payment amounts in 
excess of your Total Minimum Payment Due will be 
applied first to higher APR balances, these balances 
will be paid off more quickly and you will pay less 
interest on them than if you paid only the Total 
Minimum Payment Due.  

We round the payment amount to the nearest penny. If a 
payment is credited to your Account but is returned 
unpaid in the later billing cycle, we will recalculate the 
Total Minimum Payment Due for the billing cycle in which 
the payment was originally credited.  

If you overpay or otherwise have a credit balance on 
your Account, we will not pay interest on the credit 
balance. We will refund any credit balance as required by 
law or earlier at your request, but you cannot obtain the 
credit balance through a Cash Advance or other use of 
your Card. We reserve the right to reject any payment if 
your Account has a credit balance as of the day we 
receive that payment. Generally, credits to your Account, 
such as those generated by merchants, are not treated 
as payments and will not reduce your Total Minimum 
Payment Due.  

Your Payment Due Date is at least 21 days after the 
closing date for each billing statement.  

Except as described above, if you do not pay your total 
New Balance by the Payment Due Date, we will start 
charging interest on each new Purchase on the later of 
(1) the date you make the Purchase, or (2) the first day 
of the billing cycle in which we add the Purchase to your 
Account. We will pay down your Purchase balance and 
other balances as described in the section below titled 
“Payment Allocation.” 

If your Account has balances with different APRs, we will 
allocate the amount of any payment that is less than or 
equal to the Total Minimum Payment Due to the lowest 
APR balances first. Payment amounts in excess of your 
Total Minimum Payment Due will be applied to balances 
with higher APRs before balances with lower APRs. 

Minimum 
Payment Due 

Grace Period 
on Paying 
Interest 

Payment 
Allocation 

Account Fees and Charges 
You agree to pay (1) the fees and charges listed below, and (2) the Transaction Fees shown in the Account Summary Table, subject to 
any limitation of applicable law. We will not charge the Cash Advance Transaction Fee on any Overdraft Advance. 

Annual Fee: Your Account may be charged the amount (if any) shown in the Account Summary Table on the card carrier. If an Annual 
Fee applies to your Account, this fee will be charged to your Account when we issue the Card, and annually at the end of the month 
that includes the anniversary date of the opening of the Account. If applicable, it will be charged regardless of whether you use the 
Account, and is not refundable even if the Account is closed for any reason by either you or us. 

Late Fee: You may be charged $25 if the Total Minimum Payment Due shown on your monthly statement is not received by us on or 
before its Payment Due Date.  If a late fee was assessed any time in the prior six (6) billing cycles, then the amount of the late fee will 
be $35. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee.  If your balance is 
less than $100 on the Payment Due Date, we will not assess a Late Fee.  

Return Access Check Fee: You may be charged $25 if we return an Access Check unpaid for any reason, even if the Access Check is 
paid upon subsequent presentment. The Returned Access Check Fee will not exceed the dollar amount of the Access Check. 

Copy Fee: You may be charged $5 for each copy of a monthly statement or sales draft, except that the six most recent monthly 
statements and one sales draft will be provided for free. We will not charge this fee if you reside in Delaware, Indiana, Kansas, 
Louisiana, Maryland, Pennsylvania, South Carolina, West Virginia or Wyoming. Regardless of where you reside, we will not charge for 
any statement or sales draft you request in good faith in connection with the resolution of any disputed billing matter. 

Expedited Payment Fee: You may be charged $25 if you ask one of our representatives to expedite payment on your Account by 
debiting any deposit or other account you designate, and we honor your request. 

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Expedited Delivery Fee: You may be charged this Fee if you request and we agree to arrange for expedited delivery of any Card to 
you (for example, by an overnight delivery service).  The amount of the Expedited Delivery Fee will depend on the type of delivery you 
choose to receive, and will be disclosed to you when you request expedited delivery. If you then confirm and we honor your request, 
we will charge the fee. We will not charge an Expedited Delivery Fee in Colorado, Delaware, Indiana, Kansas, Louisiana, Maryland, 
New York, Pennsylvania, South Carolina, West Virginia or Wyoming. 

Stop Payment Fee: You may be charged $25 for each stop payment requested on an Access Check, whether or not we actually stop 
payment, subject to any restrictions of applicable law. We will not charge a Stop Payment Fee in Colorado, Delaware, Indiana, 
Kansas, Louisiana, Maryland, New York, Pennsylvania, South Carolina, West Virginia or Wyoming. 

Collection Costs: If you are in default, unless prohibited by applicable law we can require you to pay our collection costs, attorneys’ 
fees, court costs and all other expenses we incur to enforce our rights under this Agreement. These costs may include reasonable 
fees to attorneys who are not our paid employees. We will not charge you for our collection costs if you owe us $300 or less. We will 
not charge attorneys’ fees that exceed 15% of the unpaid debt in Alabama, Colorado, Georgia, Kansas, Maine, Missouri, Montana, 
North Carolina, Oklahoma or South Carolina, 20% of the amount due in New York, or 25% of the unpaid debt in Louisiana.  We will 
not charge attorneys’ fees if the principal amount you owe us is less than $1,000 in Idaho or Wyoming.  We will not charge collection 
costs other than attorneys’ fees if you live in Colorado, Delaware, Idaho, Indiana, Kansas, Louisiana, Maine, Maryland, New York, 
North Carolina, Oklahoma, South Carolina or Wyoming.  We will not charge you attorneys’ fees, court costs or other collection costs 
incurred as a result of your default if you live in Pennsylvania, West Virginia or Wisconsin. 

Interest Charges 

The Daily Periodic Rates (“DPRs”) and Annual Percentage Rates (“APRs”) for your Account are shown on the Account 
Summary Table on the card carrier.  We use the average daily balance method (including new transactions) to calculate the interest 
owed on your Account for each billing cycle: 
•  We  first  figure  out  the  average  daily  balance  for  each  type  of  transaction.  By  type  of  transaction,  we  mean  Purchases,  Cash 
Advances, Balance Transfers and any transactions subject to a promotional offer. If any portion of a Purchases balance received a 
Grace Period, that amount is not included in this calculation. 

•  To  get  the  average  daily  balance  for  each  type  of  transaction,  we  take  the  beginning  balance  for  that  transaction-type,  which  will 

include any unpaid balance on those transactions and any unpaid interest on those transactions. 

•  To the beginning balance, we add: 

*  An amount equal to the applicable DPR multiplied by the previous day’s closing daily balance, and  
*  Any new transactions, applicable fees or other debits.  
Then we subtract any payments or credits.  This gives us the daily balance.  If any daily balance is less than zero we treat it as zero. 
•  Next,  we add  up all the  daily balances for that transaction-type  during the billing cycle, and then  divide this total  by  the number of 
days in the billing cycle. This gives us the average daily balance.  This method of calculating the average daily balance results in 
charging interest on unpaid interest (also known as compounding) and fees. 

•  We multiply the average daily balance by the applicable DPR, and then we multiply the resulting amount by the number of days in the 

billing cycle to determine the amount of interest owed for that type of transaction.   

•  After  calculating  the  amount  of  interest  owed  for  each  type  of  transaction,  we  add  together  these  amounts  to  determine  the  total 
amount of interest owed on your Account for the billing cycle. If any interest charge is due, we will charge you at least the Minimum 
Interest Charge shown on the Account Summary Table. 

We add transactions and fees to your daily balance (and they may begin accruing interest) no earlier than: 
•  For new Purchases – on its transaction date or the first day of the billing cycle, whichever is later.   
•  For new Balance Transfers and Cash Advances – the transaction date. For Access Checks and Balance Transfers made by check, 
the  transaction  date  is  the  date  the  check  is  first  deposited  or  cashed.  For  Balance  Transfers  made  electronically,  the  transaction 
date is the date we transmit the Balance Transfer to your other creditor.   

•  For a Returned Payment – the date that the corresponding payment posted to your Account. 
•  Fees  –  either  on  the  date  of  a  related  transaction,  the  date  they  are  posted  to  your  account,  or  the  last  day  of  the  billing  cycle, 

whichever we may choose. 

Your Responsibility for the Account 
These sections describe how certain conditions may or may not affect your responsibility for the Account.  

Condition 

Joint Account 

What It Means To You  
If you have a joint Account, each of you may use the 
Account and we may ask any one of you to pay any 
balance due on the Account.  We may send notice to 
any one of you, and it will be considered notice to all of 
you.  Any one of you may give us any notice under this 
Agreement. If you give us different notices or make 
different requests, we may pick which one to honor 
without telling any of you. We will not owe anything to 
you or anyone else because we picked one of your 
notices or requests. We may send Account materials 
(Cards, statements and notices) to any of you, and you 
will be responsible for delivering those materials to the 
others and to any authorized users. 

Our Rights and Responsibilities 

All persons who requested or otherwise agreed to be 
responsible for the Account, whether at the time of 
application or later, are individually and jointly 
responsible for the total outstanding balance on the 
Account.  If you and one or more persons are 
responsible to pay any total outstanding balance, we 
may refuse to release any of you from liability until you 
repay the total outstanding balance owed to us under the 
terms of this Agreement. 

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If you permit any person to use your Card, Access 
Checks, Account number, or other credit device with the 
authorization to obtain credit on your Account, you will 
be responsible for all transactions made by that person 
to the fullest extent permitted by law, including 
transactions for which you may not have intended to be 
liable, even if the amount of those transactions causes 
your credit limit to be exceeded.  Authorized users may 
have the same access to information about the Account 
and its users as you have.  

You may allow authorized users on your Account in the 
following ways:   
•  By notifying us that you want someone added to 

your Account as an authorized user;  

•  By lending your Card or Account number to another; 

or  

•  By any other ways in which you would be legally 
considered to have authorized another person  to 
use your Account or be legally prevented from 
denying that you did so.   

You must think carefully before you allow anyone to 
become an authorized user.  By doing so, you 
authorize the person to use your Account to the same 
extent you can, including but not limited to making any 
Purchases, Balance Transfers, Cash Advances, and 
allowing others to use your Account.  Your Account 
does not permit you to limit the nature or amount of 
authority you give to any authorized user and you will 
not attempt to do so.  An authorized user’s authority 
will continue until you notify us that you are terminating 
the authority and you physically retrieve the Card.  If 
you cannot retrieve the Card, you will remain liable for 
any transactions that we cannot prevent after you 
notify us. 
If you notice the loss or theft of your Card or possible 
unauthorized use of your Account, you should write to 
us immediately at: Regions Bank, PO Box 413, 
Birmingham, Alabama, 35201, or call us at 1- 800-253-
2265. 

Authorized 
Users 

Unauthorized 
Transactions 

At your request, we may issue a Card to an authorized 
user. If we terminate an authorized user’s access to your 
Account, we may close your Account and open a new 
account with a different account number.  

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 your notice to us.  
In any case, your liability will not exceed $50.  

Term 

What It Means  

Other Account Terms 

Changes to 
Your Contact 
Info 

Credit 
Information 

Telephone 
Calls 

You must notify us immediately of any change to your address or any of your other contact information by writing or 
calling us using the Customer Service address or phone number provided on each billing statement.  

We may get and review your credit history from credit reporting agencies and others. We also may provide 
information about you and your account to credit reporting agencies and others. If you believe we have furnished 
inaccurate or incomplete information about you or your account to a credit reporting agency, write to us at:  
Regions Bank, Credit Reporting Agencies, 2050 Parkway Office Circle, Hoover, Alabama 35244.  Please 
include your name, address, home phone number, and account number, and explain what you believe is 
inaccurate or incomplete. 
You consent to and authorize Regions Bank, any of its affiliates, and its marketing associates to monitor and/or 
record any of your telephone conversations with our representatives or the representatives of any of those 
companies.  Where you have provided a cell phone number directly to us, or placed a cell phone call to us, you 
consent and agree to accept collection calls to your cell phone from us.  For any telephone or cell phone calls we 
place to you, you consent and agree that those calls may be automatically dialed and/or use recorded messages. 

Benefits and 
Rewards 

You may be offered certain benefits and rewards with your Account. We may change, add, or delete benefits and 
rewards at any time and without notice to you. Any such benefits or rewards are not a part of this Agreement, but are 
subject to the terms and restrictions provided in the separate agreement for those benefits or rewards.  

Enforcement 

Our failure or delay in exercising any of our rights under this Agreement does not mean that we cannot exercise 
those rights later. For example, if we take no action when you go into default, we may exercise our rights later if you 
continue in default or again go into default. If any provision of this Agreement is found to be invalid, the remaining 
provisions will continue to be enforceable. 

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Arbitration 

Governing Law 

Either you or we may ask to settle disputes relating to this Agreement or your Account by arbitration. Arbitration is a 
way of working out disputes without going to court. If you or we ask for arbitration, we would all meet with a person 
called an arbitrator. An arbitrator is like a referee or a judge. The arbitrator will listen to what you and we have to say. 
The arbitrator will decide who is right. The arbitrator’s decision is called an award. The party who wins the award can 
take it to any court that could have heard the dispute and get an official judgment. The specific terms and 
conditions under which we may arbitrate a dispute are continued in the “Arbitration” section that appears 
after “Interest Charges” below. Please read the rest of this section carefully.  
This Agreement is made in Alabama and we extend credit to you from Alabama.  This Agreement and your Account 
are governed by the laws of the State of Alabama (without regard to its conflict of laws principles) and by any 
applicable federal laws, regardless of where you reside or use the Account. 

Assignment 

At any time and without notice to you, we may assign your Account, any sums owed on your Account, this 
Agreement, or our rights or obligations under your Account or this Agreement to any person or entity.  The person or 
entity to whom we make any such assignment will be entitled to all of the rights or obligations we have assigned 

Arbitration  

ARBITRATION AND WAIVER OF JURY TRIAL. Except as expressly provided herein, you and we agree that either party may 
elect to resolve by BINDING ARBITRATION any controversy, claim, counterclaim, dispute or disagreement between you and 
us, whether asserted or brought in a direct, derivative, assignee, survivor, successor, beneficiary or personal capacity and 
whether arising before or after the effective date of this Agreement (any “Claim”). Claim has the broadest possible meaning 
and includes, but is not limited to, any controversy, claim, counterclaim, dispute or disagreement arising out of, in connection 
with or relating to any one or more of the following: (1) the interpretation, execution, administration, amendment or 
modification of this Agreement (including any Debt Cancellation Addendum to this Agreement); (2) your Account; (3) any 
charge or cost incurred pursuant to this Agreement; (4) any transaction involving your Account or this Agreement; (5) the 
collection of any amounts due under this Agreement or on your Account; (6) any alleged contract or tort arising out of or 
relating in any way to this Agreement, your Account, any transaction on your Account, any advertisement or solicitation, or 
your business, interaction or relationship with us; (7) any breach of any provision of this Agreement; (8) any statements or 
representations made to you with respect to this Agreement, your Account, any transaction on your Account, any 
advertisement or solicitation, or your business, interaction or relationship with us; (9) any property loss, damage or personal 
injury; (10) any claim, demand or request for compensation or damages from or against us; (11) any damages incurred on or 
about our premises or property; or (12) any of the foregoing arising out of, in connection with or relating to any agreement 
which relates to this Agreement, your Account, any credit, any charge, any transaction or your business, interaction or 
relationship with us, including without limitation any agreement regarding benefits or rewards provided in connection with 
this Agreement or your Account. If either party elects to arbitrate, the Claim shall be settled by BINDING ARBITRATION under 
the Federal Arbitration Act (“FAA”). This agreement to arbitrate shall include any Claim involving our current and former officers, 
directors, employees, agents, representatives, contractors, subcontractors, parent, subsidiaries, affiliates, successors, assigns, any 
third party that assigned any agreements to us and any of the respective current and former employees, officers, agents or directors of 
such affiliates or third parties, and any such Claim against any of those parties may be joined or consolidated with any related Claim 
against us in a single arbitration proceeding. In addition, if we become a party in any lawsuit that you have with any third party, whether 
through intervention by us or by motion or pleading made by you or any third party, we may elect to have all claims in that lawsuit 
between you and such third party to be resolved by BINDING ARBITRATION under this Agreement.  

The arbitration shall be administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration Rules and its 
Supplementary Procedures For The Resolution Of Consumer- Related Disputes (the “Arbitration Rules”) in effect at the time the 
demand for arbitration is filed. In the event of a conflict between the Arbitration Rules and this Agreement, this Agreement shall control, 
except that, in the event that the AAA determines that any provision of this Agreement does not comply with applicable standards 
stated in the AAA’s Consumer Due Process Protocol, the standards of the Protocol shall control. We will tell you how to contact the 
AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. Or, you may contact the AAA directly at 
1-800-778-7879 (toll free) or at www.adr.org.  

If the AAA’s Supplemental Procedures for Consumer-Related Disputes apply to your Claim and if your Claim for actual damages does 
not exceed $10,000, you shall be responsible for paying one-half of the arbitrator’s fees up to a maximum of $125. If your Claim for 
actual damages exceeds $10,000 but does not exceed $75,000, you shall be responsible for paying one-half of the arbitrator’s fees up 
to a maximum of $375. For any Claim that does not exceed $75,000, we will pay all other arbitrator’s fees and costs imposed by the 
administrator of the arbitration.  

If your Claim is a consumer-related claim for actual damages that exceeds $75,000, or if it is a non-monetary consumer-related Claim, 
or if it is not a consumer-related Claim, you shall be responsible for paying the administrative costs and arbitrator’s fees as provided in 
the AAA’s Commercial Fee Schedule. Except as otherwise provided in this Agreement, the final award by the arbitrator(s) may 
apportion the administrative fees, expenses and arbitrators’ fees between you and us as part of the award, as the arbitrator(s) 
determines is appropriate.  

The fees and cost stated in this Agreement are subject to any amendments to the Arbitration Rules and fee and cost schedules of the 
AAA. The fee and cost schedule in effect at the time you submit your Claim shall apply. The Arbitration Rules permit you to request a 
deferral or reduction of the administrative fees of arbitration if paying them would cause you extreme hardship.  

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Each party also has the option of filing an action in small claims court or your state’s equivalent court, for any Claim or 
disputes within the scope of the small claims court’s jurisdiction. But if a Claim is transferred, removed or appealed to a 
different court, we then have the right to demand arbitration of the Claim.  

The arbitration of any Claim of $150,000 or greater shall be conducted by a panel of three arbitrators. The arbitration of any Claim of a 
lesser amount shall be conducted by one arbitrator. The arbitrator(s) shall be selected from the AAA’s panel of arbitrators by mutual 
agreement between you and us. If we cannot agree on the arbitrator(s), the procedure for appointment from the national roster as 
provided by Commercial Arbitration Rule 11 shall apply, except that the AAA shall not unilaterally appoint the arbitrator(s), unless you 
and we so agree.   

Except as expressly provided in this agreement to arbitrate, no Claim may be joined with another dispute or lawsuit, or 
consolidated with the arbitration of another Claim, or resolved on behalf of similarly situated persons, or brought as private 
attorney general or on another similar representative basis. For any Claim subject to arbitration, you may not participate in a 
class action in court or in a class-wide arbitration, either as a plaintiff or claimant, class representative or class member.   

All statutes of limitation, defenses, and attorney-client and other privileges that would apply in a court proceeding shall apply in and to 
the arbitration. Any in-person arbitration hearing will be held at a location that is reasonably convenient to all parties in either your state 
of residence or the state of your statement address with Regions, with due consideration of their ability to travel and other pertinent 
circumstances. If the parties are unable to agree on a location, that determination shall be made by the arbitrator(s).  

Any dispute regarding whether a particular controversy is subject to arbitration, including any claim of unconscionability and any dispute 
over the enforceability, scope, reach or validity of this agreement to arbitrate disputes or of this entire Agreement, shall be decided by 
the arbitrator(s).  
The arbitrator(s) shall establish such reasonable procedures as may be necessary for the reasonable exchange of information and 
materials between the parties prior to such arbitration. In rendering an award, the arbitrator(s) shall apply applicable contract terms, 
statutes and legal precedent and shall follow the Federal Rules of Evidence, enforce applicable privileges, and employ applicable 
burdens of proof. The arbitrator(s) shall award only such relief as a court of competent jurisdiction could properly award under 
applicable law (and which shall be governed by the constitutional standards employed by the courts). The arbitrator(s) shall have the 
authority to award attorneys’ fees, costs and expenses, in whole or in part, in instances where such is authorized by applicable law.  

The arbitrator’s findings, reasoning, decision, and award shall be set forth in writing and shall be based upon and be consistent with the 
law of the jurisdiction that applies to the Claim. Judgment on the arbitration award may be entered in any court having jurisdiction.  
In the event that the arbitration results in an award which imposes an injunction on you or on us or contains a monetary award in 
excess of $250,000, the award shall be reviewable on appeal initiated within 30 days of the award by a panel of three new arbitrators 
selected to hear the appeal under the procedure for appointment from the national roster as provided by Commercial Arbitration Rule 
11, except that the AAA shall not unilaterally appoint the arbitrators for the appeal, unless you and we so agree. The decision of the 
panel shall be by majority vote. Such review shall reconsider anew any aspect of the initial award requested by the appealing party. 
However, if the award does not impose an injunction on you or on us or contain a monetary award in excess of $250,000, then the 
award shall not be appealable and shall only be subject to such challenges as would otherwise be permissible under the FAA.  

This agreement to arbitrate does not limit the right of you or us, whether before, during or after the pendency of any arbitration 
proceeding, to exercise self-help remedies such as set-off, recoupment, repossession, trustee’s sales and the like. This agreement to 
arbitrate does not limit the right of you or us, whether before or during the pendency of any arbitration proceeding to bring an action 
(individually, and not on behalf of a class) to obtain provisional or ancillary remedies or injunctive relief (other than a stay of arbitration) 
to protect the rights or property of the party seeking such relief. However, the arbitrator(s) shall have the power to vacate and/or stay 
any such proceedings or orders granting provisional or ancillary remedies or injunctive relief, upon application by you or us. The taking 
by either you or us of any of the self-help remedies or by filing any action in court, including but not limited to the actions described in 
the preceding sentence, shall not be deemed to be a waiver of the right to elect BINDING ARBITRATION of any Claim upon the filing of 
a counterclaim, crossclaim, third party claim or the like by either you or us in response to any such action.  

You and we specifically acknowledge and agree that this Agreement evidences a “transaction involving commerce” under the FAA, and 
hereby waive and relinquish any right to claim otherwise. You and we hereby acknowledge, agree and stipulate that Regions Bank is a 
multi-state banking organization engaging in interstate banking and commerce; all transactions on credit card accounts involve 
interstate commerce; and we regularly use the services of businesses located in other states in opening and administering credit card 
accounts.  

Should the AAA be unavailable, unable or unwilling to accept and administer the arbitration of any Claim, or any appellate proceeding, 
as applicable, or otherwise refuse or decline to accept and administer the arbitration of any Claim, or any appellate proceeding, as 
applicable – in whole or in part and for any reason whatsoever or for no reason – this agreement to arbitrate shall not fail or be 
invalidated as a result. Rather, in that instance, any party to the Claim may then petition a court of competent jurisdiction under 9 U.S.C. 
§ 5 to appoint the arbitrator(s). Upon consideration of such a 9 U.S.C. § 5 petition, should the court decline or refuse to appoint the 
arbitrator(s), then and only then and within 30 days of a final and non-appealable decision on the matter from such court, you and we 
shall each respectively pick one arbitrator, and those two arbitrators shall then, by mutual agreement and within 30 days of the selection 
of the second of them, select a third arbitrator. The third arbitrator so selected shall then arbitrate the Claim as the sole arbitrator, 
except with respect to a Claim for $150,000 or greater, in which case all three arbitrators so selected shall arbitrate the claim together, 
with the award and all pre-award decisions made by majority vote. In the case of any arbitration not administered by the AAA, the 
arbitrator(s) shall still be bound by all applicable provisions of this agreement to arbitrate and the Federal Arbitration Act. They further 
shall administer and conduct the arbitration under the applicable AAA Arbitration Rules, to the extent such rules may be practicably 
applied to an arbitration not administered by the AAA.  

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If any term or provision of this agreement to arbitrate disputes and waiver of jury trial is held to be invalid or unenforceable, the 
remaining provisions shall be enforced without regard to the invalid or unenforceable term or provision; provided, that if you or we seek 
to bring a joined, consolidated, or class action for arbitration, and if the foregoing prohibition against the arbitration of joined, 
consolidated or class actions is finally held by an authority of competent jurisdiction to be invalid or unenforceable, the arbitration 
agreement between you and us shall then be deemed inapplicable to such joined, consolidated or class action, to the effect that any 
permitted and lawful joined, consolidated or class action shall be adjudicated in accordance with the provisions of applicable law and 
shall not be resolved through arbitration (provided further, that the jury trial waiver shall, in any event, remain in full force and effect to 
the fullest extent permitted by law). This agreement to arbitrate disputes and waiver of jury trial shall survive your death, the closing of 
your account and the termination of any of your business or transaction(s) with us, any bankruptcy to the extent consistent with 
applicable bankruptcy law and shall also survive as to any Claim covered within the scope of this Agreement.  

Whether any controversy is arbitrated or settled by a court, you and we voluntarily and knowingly waive any right to a jury 
trial with respect to such controversy to the fullest extent allowed by law. 

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This information about the costs of the cards is accurate as of January 31, 2012, but may have changed since that 
date. To find out what may have changed, you can call us at 1- 800-253-2265. Please carefully review this information. 

PRICING INFORMATION 

Interest Rates and Interest Charges 

Annual Percentage  Rate 
(APR) for Purchases and 
Balance Transfers 

Prime +  8.74% - 15.74% for Platinum without rewards  

Prime +  9.74% - 16.74% for Platinum with Rewards and Signature  

Prime +  8.74% for Signature Preferred  

Prime +  11.74% for Student without rewards  

Prime +  12.74% for Student with Rewards  

based on your creditworthiness and other factors as determined at the time of 
account opening.  This APR will vary with the market based on the Prime Rate.*      

APR for Cash Advances 

Prime + 21.74%  for Student, Platinum or Signature 

Prime + 13.74%  for Signature Preferred      

This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Your due date is at least 21 days after the close of each billing cycle. We will not 
charge you interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.50 

Fees 

Annual Fee 

Transaction Fees: 

•  Balance Transfer   

•  Cash Advance 

•  Foreign Transaction 

Penalty Fees: 

•  Late Payment 

None for Student, Platinum or Signature, $125 for Signature Preferred 

Either $10 or 4% of the amount of each transfer, whichever is greater. 

Either $10 or 4% of the amount of each cash advance, whichever is greater. 

3% of the transaction amount in U.S. dollars for Student, Platinum or Signature, 1% 
for Signature Preferred 

Up to $35 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new 
transactions)."  See your account agreement for more details.  

Daily Percentages Rates:  Daily Percentage Rates (DPRs) on the Account are calculated by dividing the applicable APR 
by 365.  

*  Variable Rates:  Variable rates on the Account are calculated by adding together an index and a margin. The index 
is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal on the last 
publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease 
in your variable APRs and DPRs on the first day of your billing cycle that begins in the same month in which the index 
is published. An increase in the index means that you will pay higher interest charges and have a higher total 
Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition 
of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index.  

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