SUMMARY OF RATES AND TERMS � SIMMONS BANK FOUNDATION VISA� 
Simmons Bank Foundation Visa� Card  
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage 
Rate (APR) for Purchases 19.99 %  
 
This APR will vary with the market based on the Prime Rate.  
APR for Balance 
Transfers 19.99 %  
 
This APR will vary with the market based on the Prime Rate.  
APR for Cash 
Advances 23.99 %  
 
This APR will vary with the market based on the Prime Rate.  
How to Avoid Paying 
Interest on 
Purchases  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 Consumer Financial Protection 
Bureau  To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer financial Protection Bureau at http://www.consumerfinance.gov/learnmore
.  
FEES  
Annual Fee  $25 
Transaction Fees   
   Balance Transfer  $0. 
   Cash Advance  Either $4 or 3% of the amount of each cash advance, whichever is greater.  
   Foreign Transaction  2% of each transaction in US dollars.  
Penalty Fees   
   Late Payment  Up to $39. 
   Returned Payment  Up to $39. 
 
How we will calculate your balance:  We use a method called �average daily balance� (including new purchases).  Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the Credit Card Agreement that will be provided to you before you can begin using your new card.  Late Payment Fee:  The Late Payment Fee is $25 if you were not charged a Late Payment Fee during any of the prior six statement cycles. Otherwise, it is $39. The amount of your Late Paymen t Fee will never be higher than your Minimum Payment Due.  Variable Rates:  To determine your rate, we use the US Prime Rate published in the Wall Street Journal. The  Prime Rate of 3.25% last published on March 15, 2020. To determine the rate offered, we apply the following formula, depending on your creditworthiness:  
Account Type  Purchase and Balance Transfer Rate  Cash Advance Rate  
Simmons Bank Foundation VISA  16.74 % + Prime Rate  20.74 % + Prime Rate  
 
TERMS AND CONDITIONS 
Monitoring/Recording of Telephone Calls 
You consent and agree that we, any of our affiliates, and any other  persons that we authorize in accordance with applicable law, may monitor and/or record any and all telephone  communications with you without any additional notice of such monitoring or recording, unless expressly required by applicable law. 
Minimum Payment 
The minimum payment is calculated as (i) 1% of the new balance plus all finance charges, late fees, and past due amounts OR (ii) $10, whichever is greater.  
Military Lending Act 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account; the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; and any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charge d (other than certain participation fees of a credit card account). Federal law requires that these disclosures be provided to you bot h in writing and orally. To receive the required oral disclosures, please call 800 -272-2102 and select the option for Military Lending Act oral disclosures.