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Security BankCard Center, Inc. 
Arvest Bank, Fayetteville, Arkansas
MasterCard®/VISA®
CARDHOLDER AGREEMENT AND
DISCLOSURE STATEMENT 
You have applied to us for the Credit Card(s) attached to the card mailer
enclosed herewith. By signing, using, retaining or permitting others to
use the Credit Card(s), you agree to all the terms and conditions of this
VISA®/MasterCard® Cardholder  Agreement  and  Disclosure  Statement
(“Agreement”). 
IMPORTANT: You should immediately sign each Credit Card. If you do
not wish to be bound by this Agreement, you must cut in half all Credit
Cards  we  have  sent  you  and  return  the  pieces  to  us  at  Security
BankCard  Center,  Inc.,  P.O.  Box  6139,  Norman,  Oklahoma  73070.
Unless you do so, you will have accepted this Agreement. 
The  term  “Credit  Card”  used  herein  means  the  VISA® or  MasterCard®
Credit Card or Cards attached to the card mailer and enclosed with this
Agreement and any other Credit Cards issued to you pursuant to your
Application.  The  words  “you”  and  “your”  when  used  herein  refer  to
each person who signed the Application for the enclosed Credit Card. If
we  issue  you  a  joint  account,  both  applicants  agree  to  be  jointly  and
severally bound by the terms of this Agreement. 
That  means  that  we  can  enforce  our  rights  under  this  Agreement
against any of you individually, against some of you, or against all of
you together. 
The  words  “we,”  our”  and  “us”  refer  to  Arvest  Bank,  Fayetteville,
Arkansas, which is the issuer of your Credit Card, even if the name of
another  bank  appears  on  the  Credit  Card.  The  Credit  Card(s)  is/are
issued  by  us  through  our  processing  subsidiary,  Security  BankCard
Center, Inc. 
By signing, using, retaining or permitting others to use the Credit Card,
you agree as follows: 
CARDHOLDER AGREEMENT
1.  Responsibility  for  Credit  Extensions.  You  agree  to  assume
responsibility  for  all  credit  extended  by  us  on  the  basis  of  the
authorized  use  of  the  Credit  Card.  You  may  use  the  Credit  Card  to
make  purchases  (“Purchases”)  of  merchandise  and  services  from
businesses  displaying  the  sign  of  the  Credit  Card  issued  to  you.  For
Purchases,  the  merchant  will  prepare  a  sales  draft  or  retail  charge
agreement.  We  will  buy  or  accept  assignments  of  these  drafts  and
agreements if they comply with applicable operating procedures. You
may  use  the  Credit  Card  to  obtain  loans  and  other  cash  advances
(“Cash  Advances”)  from  us  and  other  financial  institutions  honoring
the Credit Card, upon compliance with required customary procedures.
We are not responsible for the refusal by anyone to honor the Credit
Card.  You  may  receive  a  Cash  Advance  by  using  one  of  the
convenience  checks  that  we  may  send  you  from  time  to  time.  You
may also transfer balances from your other credit cards not issued by
us to your account (“Balance Transfer”). The convenience checks and
your Balance Transfers are subject to your Credit Limit (as hereinafter
defined). 

2.  Payments.  You  agree  to  pay,  at  such  place  as  we  designate,
obligations  evidencing  all  credit  extensions  by  us  and  all
finance/interest  charges  (“Finance  Charges”  but  identified  on  your
monthly  statements  as  “Interest  Charges”)  and  other  charges,  if
applicable, in accordance with the current account terms and payment
schedule  as  set  forth  in  this  Agreement  and  on  the  back  of  the  card
mailer, as the same may from time to time be amended and disclosed
to you. 

3. Monthly Statements. We will bill you on a monthly basis by mailing
or, at your option, electronically delivering to you a monthly statement
(“Monthly Statement”) on a date selected by us for all debit or credit
balances or if a Finance Charge is imposed through use of the Credit
Card. You agree to examine each Monthly Statement upon receipt and
to notify us immediately of any charge or item that you believe to be in
error  or  subject  to  dispute.  (See  Section  13  of  the  Initial  Disclosure
Statement below for a description of your billing rights). 

4.  Minimum  Monthly  Payment.  You  may  pay  your  account  in  full
during  any  billing  cycle  by  paying  the  entire  new  balance  (“New
Balance”) as shown on the Monthly Statement. You may pay less than
the  entire  New  Balance  but  not  less  than  the  minimum  payment  due
shown on your Monthly Statement (“Minimum Payment Due”), unless
we have declared your entire outstanding balance immediately due and
payable  as  provided  in  Section  11  of  this  Cardholder  Agreement.
Normally, the Minimum Payment Due will be the greater of $20.00 or
3% of the New Balance. We may round the amount of the Minimum
Payment Due to the nearest dollar. If any Other Charges (as those fees
are described in the Initial Disclosure Statement below) have posted to
your account, any applicable fees will be included in your New Balance
for purposes of calculating the Minimum Payment Due. If there are any
amounts shown as being past due on your Monthly Statement (“Past
Due  Amounts”)  or  if  you  have  exceeded  your  Credit  Limit,  the
Minimum  Payment  Due  will  include  the  amount  determined  by  the
normal  Minimum  Payment  Due  calculation  plus (a)  all  Past  Due
Amounts, and (b) the amount of any credit extended in excess of your
Credit  Limit.  However,  if  your  New  Balance  is  less  than  $20.00,  you
pay  only  the  balance  owed.  You  must  pay  at  least  the  Minimum
Payment  Due  by  the  payment  due  date  shown  on  your  Monthly
Statement (“Payment Due Date”), which is at least 25 days after the
statement closing date shown on your Monthly Statement (“Statement
Closing Date”). You agree to pay a late payment fee (“Late Payment
Fee”) if you do not pay at least the Minimum Payment Due on or within
10  days  after  the  Payment  Due  Date.  Please  be  advised  that  paying
only the Minimum Payment Due will extend the time it takes you to pay
off your outstanding balance. 

5.  Application  of  Payments.  All  payments,  if  received  prior  to  5:00
p.m.  Central  Standard  Time,  shall  be  considered  made  on  the  date
received  at  the  payment  address  shown  on  your  Monthly  Statement.
Except as otherwise provided by applicable law, if payment is received
after  5:00  p.m.  Central  Standard  Time  on  any  date,  payment  will  be

deemed  to  have  been  received  the  following  banking  day.  If  the
Payment Due Date falls on Saturday, Sunday or a holiday, the payment
needs to be in our office by the next business day. If payment is made
at  any  location  other  than  the  designated  address,  credit  for  such
payment may be delayed up to 5 days, and finance charges will accrue
for the period between receipt and crediting of payments. 

We  reserve  the  right  to  apply  payments  in  any  manner  we  choose
provided  that  we  comply  with  all  applicable  federal  and  state  laws.
Generally,  we  will  credit  the  amount  of  your  payment  equal  to  the
Minimum Payment Due first to any Finance Charges and Other Charges
posted  to  your  account  and  then,  if  your  account  has  balances  with
difference  Annual  Percentages  Rates  (“APRs”),  to  the  balances  with
the lowest APRs in descending order. We will credit any payments in
excess  of  the  Minimum  Payment  Due  to  balances  with  higher  APRs
before  balances,  if  any,  with  lower  APRs.  If  you  pay  more  than  the
entire outstanding balance of your account, we will credit the excess to
your  account  unless  you  request  that  we  send  you  a  check  for  the
amount of the excess payment. Although credit for payments will not
be  affected,  we  may,  in  our  sole  discretion,  delay  increasing  your
available credit balance for up to 10 days following receipt of payment. 

6.  Credit  Limit.  The  maximum  amount  of  credit  that  may  be
outstanding  on  your  account  at  any  time  (the  “Credit  Limit”)  will  be
shown  on  your  Monthly  Statement.  We  may,  at  our  option  and  in
accordance with all applicable laws, increase or decrease your Credit
Limit at any time. You agree that you will not use or permit others to
use  the  Credit  Card  to  obtain  credit  if  such  use  would  cause  the
outstanding  balance  of  your  account  to  exceed  your  Credit  Limit.
Unless  you  request  otherwise,  we  may  decline  any  transaction  that
causes  your  outstanding  balance  to  exceed  your  Credit  Limit.  If  you
want us to recognize transactions and extend credit to you in excess of
your Credit Limit, you can request Over-the-Credit Limit coverage and
agree to pay an Over-the-Credit Limit Fee (See Section 5.3 of the Initial
Disclosure Statement). You agree to pay, on the earlier of demand or
the  Payment  Due  Date,  all  credit  extended  in  excess  of  your  Credit
Limit. 

7.  Cancellation  and  Revocation  of  Credit  Card.  You  agree  that  the
Credit Card is and remains our property at all times. We may cancel,
revoke or refuse to re-issue your Credit Card or modify all or any part
of your Credit Card privileges at any time, with or without cause, upon
notice. If your Credit Card is cancelled, you promise to cut your Credit
Card in half for safety and return the pieces to us immediately. 

8. Restrictions on Use of Expired or Revoked Credit Card. You must
not use or permit others to use the Credit Card after it has expired or
been cancelled or revoked by us. You agree to surrender any expired,
cancelled or revoked Credit Card upon our demand or upon demand of
any  person  or  financial  institution  to  whom  you  have  presented  the
Credit Card. 

9. Loss or Theft of Card. You agree to notify us in writing if the Credit
Card  is  lost  or  stolen  or  if  you  suspect  it  is  being  used  without  your
permission. Telephoning us will reduce the chances of a loss. You may
call us at 1-800-356-8085. 

10. Default. You will be in default under the terms of this Agreement
upon the occurrence of any of the following events: (a) your failure to
pay  when  due  any  amount  owing  under  this  Agreement  or  any  other
loan agreement you may have with us; (b) your failure to comply with
any  other  terms  and  conditions  of  this  Agreement  or  any  other  loan
agreement  you  may  have  with  us;  (c)  your  death,  insolvency  or
bankruptcy;  (d)  the  appointment  of  a  receiver  for,  or  the  attachment,
levy  or  garnishment  of,  your  property,  assets  or  income;  or  (e)  our
deeming  ourselves  to  be  insecure  as  to  your  ability  to  pay  your
account. 

11. Accelerations of Entire Balance. If any of the defaults specified in
Section  10  above  should  occur,  we  may,  at  our  option,  declare  the
entire  outstanding  balance  of  your  account  immediately  due  and
payable, without notice. If you fail to pay the entire outstanding balance
on demand, you agree to pay a reasonable attorney’s fee not in excess
of 15% of the unpaid balance after your default and referral by us to an
attorney who is not our salaried employee, provided that you will not
be responsible for any such attorney’s fees unless the unpaid balance
is  greater  than  the  amount  established  from  time  to  time  by  the
Administrator of the Oklahoma Department of Consumer Credit.

12.  Notices.  Any  notices  required  to  be  given  by  us  to  you  shall  be
deemed  given  when  deposited  in  the  U.S.  mail,  postage  prepaid,
addressed to you at the address shown on our records. You agree to
notify us promptly of any changes in your address. You may notify or
contact  us  for  reasons  other  than  making  a  payment  or  regarding  a
billing  error  at:  Security  BankCard  Center,  Inc.,  P.O.  Box  6139,
Norman,  Oklahoma  73070.  We  can  accept  changes  of  address  from
the U.S. Postal Service. 

13. Amendments. We have the right to amend this Agreement at any
time  upon  written  notice  to  you,  subject  to  any  applicable  state  or
federal notice requirements. Any joint account holder has the ability to
add  additional  authorized  users  to  the  account  and/or  request  other
changes  to  the  account  from  time  to  time  upon  request  to  us.  Any
change in account terms or amendments to this Agreement shall apply
both  to  any  Purchases  or  Cash  Advances  after  the  effective  date  of
such change. 

14.  Credit  Investigations.  You  authorize  us  to  make  or  cause  to  be
made such credit investigations as we deem necessary or appropriate
to evaluate your credit, personal or financial standing and employment.
You further authorize us to share our credit experiences with you with
other  creditors  and  credit  reporting  agencies.  We  may  share
information regarding your late payments, missed payments, or other
defaults on your account, all of which may be reflected in your credit
report. 

15.  Assignment.  We  have  the  right  to  assign  to  others  any  amounts
you owe us. We also reserve the right to assign and transfer to others
our  rights  under  this  Agreement.  You  may  not  assign  your  rights  or
obligations under this Agreement. 

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113076  02/11/14  3:47 PM  Page 2

INITIAL DISCLOSURE STATEMENT 
The  following  information  is  provided  pursuant  to  the  Federal
Consumer Credit Protection Act and the Oklahoma Uniform Consumer
Credit Code and constitutes a part of the Agreement: 
1.  Finance  Charges  for  Purchases.  If  you  pay  your  New  Balance
shown on each monthly statement in full by the Payment Due Date, no
Finance Charge will be imposed on Purchases. If you do not pay your
New Balance in full by the Payment Due Date, a Finance Charge will be
imposed on Purchases, determined by multiplying your “average daily
balance” by the Periodic Rate (as hereinafter defined). 

2.  “Average  Daily  Balance”  for  Purchases,  Cash  Advances  and
Balance  Transfers  (including  new  Purchases,  Cash  Advances  and
Balance Transfers). We figure the Finance 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 (any credit balance is treated as a
“0”  balance),  add  any  new  purchases  and  cash  advances,  and
subtract  any  unpaid  Finance  Charges,  any  applicable  fees  and  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.”

3. Finance Charges on Cash Advances and Balance Transfers. You
pay  a  Finance  Charge  on  all  Cash  Advances  and  Balance  Transfers
from the transaction date to the day the full payment is posted to your
account.  If  you  pay  your  Cash  Advance  and  all  Balance  Transfers  in
full,  Finance  Charges  that  you  owe  for  the  period  from  the  last  cycle
Statement Closing Date to the date payment is credited will appear on
your next Monthly Statement. The Finance Charge on Cash Advances
and Balance Transfers will be determined by multiplying your “average
daily  balance”  for  Cash  Advances  and/or  Balance  Transfers,  as
applicable, by the Periodic Rate. 

4. Periodic Rate. Unless an introductory rate is in effect, the ANNUAL
PERCENTAGE RATE (“APR”) and Periodic Rate which will be used to
determine your FINANCE CHARGE on any outstanding balance not paid
by the Payment Due Date will be a variable rate that will either increase
or decrease with changes in an index tied to the U.S. Prime Rate (the
“Periodic Rate”). Any increase in the APR could result in an increased
payment amount and/or an increase in the number of payments it will
take  to  pay  the  balance  due.  We  will  determine  monthly  the  variable
APR  applicable  to  your  account  for  Purchases,  Cash  Advances  and
Balance Transfers as set forth on the back of the card mailer. Please
see  the  back  of  the  card  mailer  for  details  regarding  the  APR and
Periodic  Rate  applicable  to  your  account.  The  APR shall  in  no  event
exceed 21% per annum. If there is a change in the APR, that change
will be effective on the first day of your next billing cycle. 

5.  Other  Charges.  Your  account  will  be  subject  to  Other  Charges  as
follows: 

5.1 Annual Fee: NONE. 
5.2 Returned Check Fee. A fee of up to $25.00 will be charged to
your account each time a check, an automatic deduction from your
account with a designated financial institution, or some other form
of electronic payment used by you is returned unpaid. 
5.3  Over-the-Credit  Limit  Fee.  Unless  you  request  otherwise,  we
may decline any transaction that causes you to exceed your Credit
Limit.  If  you  want  us  to  authorize  these  transactions,  you  can
request  Over-the-Credit  Limit  coverage.  If  you  choose  Over-the-
Credit Limit coverage and exceed your Credit Limit, we will charge
you a fee of up to $25.00. You will only pay one fee per billing cycle
even if you exceed your limit multiple times in the same cycle. Even
with  Over-the-Credit  Limit  coverage,  we  may  still  decline,  in  our
sole discretion, a transaction that would cause you to exceed your
Credit Limit. 
5.4 Cash Advance Fee. In addition to paying a Finance Charge on
all Cash Advances, a fee of 4% of the amount advanced, subject to
a  minimum  of  $4.00,  will  be  charged  to  your  account  each  time
cash  is  advanced.  Cash  Advances,  in  the  aggregate,  may  not
exceed 50% of your Credit Limit. 
5.5  Late  Payment  Fee.  If  you  do  not  pay  at  least  the  Minimum
Payment Due on or within 10 days after the Payment Due Date, a
Late  Payment  Fee  of  up  to  $20.00,  but  in  no  event  to  exceed  the
amount  established  from  time  to  time  by  the  Administrator  of  the
Oklahoma Department of Consumer Credit, will be charged. 

6. Security Interest. No security interest is being taken by us in any of
your  property  to  secure  your  payment  or  performance  of  this
Agreement unless we required you to grant us a security interest in a
certificate of deposit or other property as a condition of our issuance of
the Credit Card to you. 

7. Liability for Unauthorized Use. If you notice the loss or theft of your
Credit  Card  or  a  possible  unauthorized  use  of  your  Credit  Card,  you
should write to us immediately at: P.O. Box 6139, Norman, Oklahoma
73070, or call us at 1-800-356-8085. You may also contact us on the
Web  at:  www.securitybankcard.com.  Unless  you  have  been  grossly
negligent  or  have  engaged  in  fraud,  you  will  not  be  liable  for  any
unauthorized transactions using your lost or stolen Credit Card(s). 

8. Invalidity. If one or more provisions of this Agreement are declared
invalid or unenforceable, the remaining conditions and terms will stand
on their own and will not be affected. 

9.  Returns  and  Refunds.  Cash  refunds  are  not  allowed  for  returned
Purchases made on your account. Instead, you will receive a credit to
your account for the amount of the return. This credit will be filled out
by the seller of the goods and services who will give you a copy. It is
the seller’s responsibility to promptly deliver the credit to us so we can
credit  your  account.  We  are  not  responsible  for  the  seller’s  failure  to
deliver the credit promptly. 

10.  Applicable  Law.  This  Agreement  and  all  transactions  under  it
will  be  governed  by,  and  construed  in  accordance  with,  the  laws
and applicable regulations of the State of Oklahoma and the United
States.  You  will  not  be  held  liable  for  Finance  Charges  or  Other
Charges greater than the maximum allowed by the law that applies. 

11.  Foreign  Exchange/Currency  Conversion.  If  you  use  your  Credit
Card  for  Purchases,  Cash  Advances  and  credits  in  a  currency  other
than  U.S.  dollars,  the  transactions  will  be  converted  to  U.S.  dollars,
generally using either a (i) government-mandated rate or (ii) wholesale
market  rate  in  effect  the  day  before  the  transaction  processing  date,
increased by one percent (1%). If the credit has a different processing
date, then the exchange rate of the credit can be greater/less than that
of  the  original  transaction.  The  currency  conversion  rate  on  the  day
before the transaction processing date may differ from the rate in effect
at the time of the transaction or on the date the transaction is posted
on  your  account.  You  agree  to  accept  the  converted  amount  in  U.S.
dollars. 

12.  Illegal  Transaction.  Your  Credit  Card  may  not  be  used  for  any
illegal transaction. 

13.  NOTICE.  See  below  for  Important  Information  Regarding  Your
Rights to Dispute Billing Errors. 

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, contact us in writing to
us  at:  Security  BankCard  Center,  Inc.,  P.O.  Box  6139,  Norman,
the  Web  at:
Oklahoma  73070  or  electronically
www.securitybankcard.com.  In  your  communication,  give  us  the
following information: 

on 

• 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. 

What  Will  Happen  After  We  Receive  Your  Written  or  Electronic
Communication 
When we receive your communication, we must do two things: 

1. Within  30  days  of  receiving  your  communication,  we  must  tell
you that we received it. We will also tell you if we have already
corrected the error. 

2. Within 90 days of receiving your communication, 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  contact  us  in  writing or  electronically 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,  Teller  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: Security BankCard Center, Inc., P.O.
Box  6139,  Norman,  Oklahoma  73070,  or  electronically at
www.securitybankcard.com.  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. 

IF  YOUR  CREDIT  CARD  IS  LOST  OR  STOLEN,  PLEASE  CALL  US  AS
SOON AS POSSIBLE AT 1-800-356-8085. 

Arvest Bank, Fayetteville, Arkansas 

F03-H488-5 -0214