F03-L441-2 
SFNB-569                 

VISA PLATINUM REWARDS 
MEMBERSHIP RULES 
Amended May 10, 2011 

   The words “I”, “we”, “me”, “my” and “us” will mean each and all persons making application for membership in the credit card system operated by the 
Bank or persons named as members on the front of the Card.  “Card” means Visa Platinum Rewards credit card owned and issued by the Bank.  “Bank” 
means Simmons First National Bank, Pine Bluff, Arkansas, U.S.A. 
Follow the Rules - 
    I  agree  to  accept  and  comply  with  these  membership  rules.  If  I  fail  to  follow  the  membership  rules,  the  Bank  can  cancel  my  membership  and  may 
demand immediate payment of all amounts I owe. The Bank may amend the rules from time to time.  If the amendment is a significant change in account 
terms,  I  will  be  given  an  opportunity  to  opt-out  of  the  proposed  amendment  in  accordance  with  applicable  law  and  regulations.  In  the  event  of  an 
amendment to the rules, I agree to accept and comply with the amended rules, unless a right to opt out is granted and I timely exercise such right to opt out 
of the proposed amendment to the rules. 
Annual Fee –  
  I agree to pay an annual membership fee of $25.00 per account for a Visa Platinum Rewards credit card account.  The annual fee will be added to my 
account balance and appear on my statement in a month selected by the Bank.  In subsequent years, I will be given prior notice of the renewal of my Card 
account on my monthly statement before the annual membership fee is assessed and instructions on terminating my Card account if I choose not to renew.  
Verification of Identity, Age and Creditworthiness-  
     I agree that the Bank may, and acknowledge that the Bank will, request information from me and from third parties to verify my identity and the identity 
of  any  other  persons  authorized  to  use  my  Card.    Further,  I  agree  that  the  Bank  may  obtain  consumer  reports  about  me  to  determine  my identity, age, 
eligibility for credit, renewal of credit and future extensions of credit for as long as this Card membership exists. I understand and acknowledge that if I am 
under the age of 21 certain additional conditions and terms may be applicable to my card account as required by applicable law and regulations. I agree 
that I must maintain satisfactory creditworthiness to continue this Card membership and any determination by the Bank of unsatisfactory credit or filing of 
bankruptcy is grounds for termination of this Card membership.        
Card Usage - 
    I understand that my Card can be used at designated locations throughout the world to purchase goods and services, to obtain cash advances and to 
transfer funds between accounts I designate.  The Bank is not responsible for the refusal of anyone to honor my Card.  Paper transactions or electronic 
transactions will not be final until they are received by the Bank.  Transactions are governed by the laws of Arkansas and the laws of the United States of 
America.  From time to time the operation of cards issued by the Bank may be suspended in specified foreign countries or specific regions thereof, due to 
ongoing  fraudulent  activities  involving  credit  cards.    Due  to  the  nature  of  such  fraudulent  activities,  the  Bank  is  unable  to  provide  advance  notice  or  the 
duration of any such suspension.    If I use my Card in a check guarantee system, I agree to allow the check to be handled as a credit card cash advance if 
the  check  is  not  paid.  I  agree  not  to  use  my  Card  for  any  type  of  Internet  gambling  transaction.    Further,  I  agree  not  to  use  my  Card  for  any  unlawful 
transaction  and  acknowledge  that  the  Bank  may  refuse  to  honor  any  transaction  determined  to  be  unlawful.    Restricted  transactions,  involving  the 
acceptance of any credit, funds, instrument, or other proceeds from another person in connection with unlawful Internet gambling, are prohibited from being 
processed through my Card account.  I acknowledge my responsibility to pay for goods and services obtained through the use of my Card, even if such 
good or services were obtained in an unlawful transaction.  
Responsibility for Card Use - 
    I understand that I am responsible for the use of all Cards issued for use with my membership.  I will not allow unauthorized persons to use my Card. 
Notification - 
    For my own protection and for the protection of the Bank, I agree to promptly notify the Bank if I discover my Card has been lost or stolen, or if I suspect 
the Card has been used without my authorization. 
Card Ownership -  
    I understand as a member and Cardholder that I do not own my Card.  When requested to do so I will surrender my Card to the Bank or to a person 
designated by the Bank.  I understand that any or all privileges to use my Card may be modified or canceled by the Bank at any time without notice to me. 
Promise to Pay -  
     I promise to pay to the order of Simmons First National Bank all transactions in which I have used Bank funds as a result of the use of my Card.  If the 
funds involve cash advances or extended payment privileges, I also agree to pay the transaction fees and finance charge as described below. 
     I must pay all bills or invoices, including the minimum payment shown on my monthly statement on time (on or before payment due date) and in U.S. 
Dollars.  The Bank does not waive its right to collect the full amount due if I pay late or I pay part of the bill, even if I write the words “paid in full” (or similar 
words) on any correspondence to the Bank. 
Available Credit Limit -  
    The Bank will supply a monthly statement listing the amount and location of all transactions posted prior to the closing date of the statement.  I agree to 
limit my transactions so that my balance will stay within the available credit limit approved for me by the Bank and listed on the statement.  The Bank may 
refuse to honor transactions that would cause my account balance to exceed my available credit limit.  My available credit limit will be restored to reflect a 
payment after the Bank receives final payment on my check or other payment method.  The Bank may increase or decrease my available credit limit or my 
available cash advance credit limit without notice.  The Bank will not increase my available credit limit without considering my ability to make the required 
payments on my Card account. The credit available for my use may, from time to time, be less than my available credit limit.  My available credit limit will 
not be increased by the amount of any credit balance. 
    If I am under the age of 21, any increase in the credit limit on my Card account must be approved in writing and joint liability for such increase  assumed 
by all guarantors, co-signers or joint applicants who have assumed secondary or joint liability on my Card account.  
Billing –  
     If there is a debit or credit balance of $1.00 or more on my account, the Bank will mail or deliver a monthly statement to me not less than 21 days prior to 
the  payment  due  date  specified  in  the  statement.    I  am  responsible  for  maintaining  my  current  mailing  address  on  file  with  the  Bank.  The  Bank  may 
consider me to have received any notice mailed to me at the current address on the Bank's records. 
Billing Errors –  
     Transactions listed on my statement will be presumed correct unless I notify the Bank of an error in writing within 60 days of my statement mailing date.  
(NOTICE:    The  procedures  for  notifying  us  of  errors  on  your  monthly  statement  were  disclosed  upon  the  opening  of  your  account  and  at  least  annually 
thereafter.  The mailing address to notify us of a billing error is set forth on your monthly statement.)  
Posting Transactions; New Balance - 
    Debit transactions from purchases, cash advances, convenience checks and balance transfers are posted the day they are received. Debit transactions 
from  purchases  are  aggregated  into  my  Purchases  Balance.  Debit  transactions  from  cash  advances  and  convenience  checks  are  aggregated  into  my 
Disbursed  Cash  Balance.      Debit  transactions  from  balance  transfers  are  aggregated  into  my  Transferred  Balance.    Applicable  finance  charges  will  be 
added to and included in my Purchases Balance, my Disbursed Cash Balance and my Transferred Balance on the last day of the statement cycle.  My 
account balance is the sum of my Purchases Balance, my Disbursed Cash Balance and my Transferred Balance, which at the end of each statement cycle 
is shown as my "New Balance".  

Full Payment Option -  

 
 
 
 
 
 
 
 
 
    Each  month  I  have  the  option  of  paying  the  “New  Balance”  in  full  within  25  days  of  the  cycle  closing  date.    Payment  in  full  (received  within  25  days) 
avoids  additional  finance  charges  on  the  Purchases  Balance  included  in  the  "New  Balance"  as  well  as  new  purchases  (but  not  on  cash  advances, 
convenience checks or balance transfers) made during the next statement cycle.  
Partial Payment Option -  
     Each month I have the option of paying part of my account balance as long as my payment is at least equal to the minimum payment shown on the 
statement.  The minimum payment will be the greater of (i) 1% of the New Balance plus all finance charges and late fees assessed during the billing cycle 
plus any past due amounts, or (ii) $10.00.  I will pay the total New Balance if it is less than $10.00. 
     If the Bank has not received a minimum payment by payment due date (or the end of the next business day if the payment due date is on a Saturday, 
Sunday or bank holiday), I will pay a late charge in an amount equal to my past due payment or $25.00, whichever is less.  
rediting of Payments- 
C
     An amount equal to the minimum payment from the initial payment during any statement cycle will be applied first to my Purchases Balance, then to my 
Disbursed Cash Balance and finally to my Transferred Balance.   All additional payments received during the same statement cycle will be applied to the 
balances  based  upon  the  applicable  interest  rate  on  that  balance,  starting  with  the  balances  with  the  highest  interest  rates.  Any  part  of  a  payment 
complying with the payment instructions on the periodic statement and received within 25 days of the cycle closing date which is credited to my Purchases 
Balance will be credited as of the beginning of the statement cycle in which received. Any part of a payment that is credited to my Disbursed Cash Balance, 
my Transferred Balance or all of any Payment which is received more than 25 days after the cycle closing date will be credited as of the day received, if 
received  before  5  p.m. CT by the Bank, otherwise on the next banking day, provided that any payment paid in person at a branch of the Bank shall be 
credited not later than the day received. Payments received and accepted by the Bank which do not comply with the payment instructions on the periodic 
statement may result in a delay in crediting the payment to my account.   
Electronic Transfer Authority- 
     Anytime I send the Bank a check for payment on my account, I authorize the Bank to make a one-time electronic transfer debit from my bank account 
for the amount of the check. 
Finance Charge -  
     Finance Charge on cash advances and convenience checks will accrue from the date of the transaction and continue until the Disbursed Cash Balance 
is paid in full.  Finance Charge on balance transfers will accrue from the date of the transaction and continue until the Transferred Balance is paid in full.  
Finance charge on purchases will accrue from the date of the transaction if there was a "New Balance" at the start of the current statement cycle, or from 
the first day of the statement cycle next following the date of the transaction if there was not a "New Balance" at the start of the current statement cycle.  
     Date of transaction will be the latter of the transaction date or the first date of the statement cycle in which the transaction is posted. 
     A  Finance  Charge  will  not  be  imposed  on  (i)  the  Purchases  Balance  included  within  the  "New  Balance",  if  payment  in  full  of  the  “New  Balance”  is 
received within 25 days of the prior statement cycle closing date or (ii) that part of the Purchases Balance equal to the amount of any payment received 
within 25 days of the prior statement cycle closing date and credited to the Purchases Balance in accordance with these rules.  
Interest Rates –  
     Finance charge on the Purchases Balance and the Transferred Balance where applicable is computed by applying to my average daily balance for the 
Purchases Balance and the Transferred Balance, including unpaid finance charges (as indicated on my monthly statement) a daily periodic rate equal to 
the Prime Rate plus 6.00% divided by the number of days in the year. The Prime Rate is the prime rate published in the Money Rates column of The Wall 
Street  Journal  in  effect  for  the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.  If  The  Wall  Street  Journal  ceases  publication  or  to 
publish the Prime Rate as now shown in its Money Rates column, the Bank may use the prevalent prime rate in the United States as published in any other 
newspaper  of  general  circulation,  or  the  Bank  may  substitute  a  similar  reference  rate  at  its  sole  discretion.  The  finance  charge  for  the  Disbursed  Cash 
Balance is computed by applying to my average daily Disbursed Cash Balance including unpaid finance charges (as indicated on the monthly statement) a 
daily periodic rate equal to the Prime Rate plus 10.00% divided by the number of days in the year. If a transaction fee is applied, the annual percentage 
rate (APR) may be higher than the periodic rate disclosed above. The maximum interest rate applicable to my Card is governed by the laws of the United 
States of America and the State of Arkansas. 
Other Charges and Collection Fees -  
     Transaction fees for cash advances (including advances in foreign currencies) and convenience checks will be 3% of the amount of the cash advance or 
check amount (but not less than $4.00 nor more than $50.00).  If I request a photocopy or the original ticket of an item appearing on my monthly statement, 
I will pay the Bank the fee assessed to them by Visa U.S.A., Inc. for this service.  I agree to reimburse the Bank any and all amounts which it pays to any 
owner/operator of an automated teller machine (ATM) or any national, regional or local ATM network used to complete any transaction for my use of my 
Card at an ATM not located at an office or branch of the Bank. I will pay a $12.00 service charge per payment, if I utilize a service representative of the 
Bank to obtain expedited service for any payment.  If I request express delivery of my Card(s) I will pay an express delivery fee equal to the actual costs 
incurred by the Bank in making the express delivery.  If I make my payment with a check or other negotiable instrument and it is returned to the Bank 
unpaid, I will pay a Return Check Charge of up to $25.00.  I will not be charged two or more penalty fees for a single event or transaction.  If more than one fee may 
be applicable due to a single event or transaction, the Bank may impose the highest permissible fee.  If my account is placed with an attorney or another agency 
for collection, I will also pay attorney fees, court costs, witness costs (including transportation and lodging) and any other fees as allowed by law. 
Foreign Currency Transaction Fee  -  
     If  I  make  any  purchases  in  foreign  currencies,  the  Bank  and/or  Visa  U.S.A.  will  convert  the  foreign  currencies  into  U.S.  Dollars.    Visa  will  use  their 
applicable  currency  conversion  procedures.    Currently,  the  conversion  procedures  utilize  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, or the government mandated 
rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Bank.  I agree to pay the Bank 
the  sum  in  U.S.  Dollars  as  converted  by  Visa,  plus  an  additional  2%  of  the  converted  amount  attributable  to  purchases  (but  not  cash  advances).    The 
currency conversion rate used on the conversion date may differ from the rate in effect on the date I used my Card.       
Closing Account- 
    In the event I close my account, I agree to notify the Bank in writing and return my Card(s) cut in half.  If I close my account, I remain responsible to pay 
all  amounts  I  owe  to  Bank  according  to  the  terms  of  these  card  membership  rules.    If  my  account  is  a joint account, either cardholders may cancel the 
account, but we will both remain responsible for any amount owed to the bank. 
Amendments –  
     These rules (including, but not limited to rates and fees) may be amended by Bank from time to time.  I will be notified of any amendment to the rules 
not later than the date of my next monthly statement, unless sooner required by applicable law or regulation.  In addition, if the amendment is a significant 
change in account terms, I will be given an opportunity to opt-out of the proposed amendment in accordance with applicable law and regulations.  
      If the Bank amends the interest rate specified in the rules while my account has a promotional interest rate, the amendment will not affect my account 
until my promotional interest rate expires. 

 
 
 
 
 
F03-L432-4 
SFNB-569 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances and 
Convenience 
Checks 
Paying Interest 

ACCOUNT OPENING DISCLOSURES 
INTEREST RATES AND INTEREST CHARGES 

9.25% Variable APR 

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

9.25% Variable APR 

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

13.25% Variable APR 

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

Your due date is 25 days after the close of each billing cycle. We will not 
charge you any 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. 

For Credit Card Tips 
from the Federal 
Reserve Board 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.qov/creditcard.  

FEES 

Annual Fee 

$25.00  

Transaction Fees 

Balance Transfer 

None 

Cash Advance and 
Convenience Checks 

3% of the amount of each cash advance, but not less than $4.00 
nor more than $50.00. 

  Foreign Purchase 
Transaction 

Penalty Fees 

  Late Payment 

  Returned 

Payment 

2% of each purchase transaction in US dollars. 

An amount equal to past due payment or $25.00, whichever is less. 

Up to $25 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including 
current  transactions)."  For  further  details,  please  see  Additional  Disclosures,  below  or  the  Card 
Membership Rules that will be provided to you before you can begin using your new card. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the Card Membership Rules that will be provided to you before you can begin using your new 
card. 

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F03-L432-4 
SFNB-569 

1. 

2. 

3. 

ADDITIONAL DISCLOSURES 

Finance Charges start to accrue on cash advances, convenience checks and balance transfers of the 
date  the  item  is  posted  to  your  account.  Finance  charges  for  purchases  generally  will  start  to 
accrue from the date the item is posted to your account, however, no finance charges will accrue 
on new purchases if the entire balance in your account is paid by the due date each month. 

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,  advances  or  fees,  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."  

Your  account  has  a  variable  rate  indexed  on  the  Prime  Rate.  The  rate  on  your  account  for 
purchases  and  balance  transfers  is  the  Prime  Rate  plus  4.00%  per  annum.  The  rate  on  your 
account for cash advances and convenience checks is the Prime Rate plus 8.00% per annum. Your 
rate  will  increase  if  the  Prime  Rate  increases,  but  will  only  change  one  time  per  statement  cycle.  
Changes in APRs (increases or decreases) due to changes in the Prime Rate will be effective on the 
first  day  of  your  next  statement  cycle  beginning  at  least  two  days  after  the  change  in  the  Prime 
Rate.  The  Prime  Rate  is  the  prime  rate  published  in  the  Money  Rates  column  of  The  Wall  Street 
Journal  in  effect  for  the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.   
Variable rate APRs are based upon the 3.25% Prime Rate in effect on August 13, 2010. 

The information about the costs of the card(s) is accurate as of June 1, 2011.  This information may have 
changed after that date.  To find out what may have changed, write to us at Bank Card Center, P.O. Box 
6609, Pine Bluff, Arkansas 71611. 

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