Agreement or if we have terminated or suspended your credit privileges in Agreement or if we have terminated or suspended your credit privileges in Agreement or if we have terminated or suspended your credit privileges in Agreement or if we have terminated or suspended your credit privileges in Agreement or if we have terminated or suspended your credit privileges in information to the Agency concerning your Visa Signature points balance and credit information to the Agency concerning your Visa Signature points balance and credit information to the Agency concerning your Visa Signature points balance and credit information to the Agency concerning your Visa Signature points balance and credit information to the Agency concerning your Visa Signature points balance and credit assigns. The words you, your, and yours refer to any Consumer applicant, co- assigns. The words you, your, and yours refer to any Consumer applicant, co- assigns. The words you, your, and yours refer to any Consumer applicant, co- assigns. The words you, your, and yours refer to any Consumer applicant, co- assigns. The words you, your, and yours refer to any Consumer applicant, co- Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we may Except for the small claims court exclusion set forth above, either you or we may Administrator at a location within the federal judicial district that includes your Administrator at a location within the federal judicial district that includes your Administrator at a location within the federal judicial district that includes your Administrator at a location within the federal judicial district that includes your Administrator at a location within the federal judicial district that includes your letter. We will also tell you if we have already corrected the error. letter. We will also tell you if we have already corrected the error. letter. We will also tell you if we have already corrected the error. letter. We will also tell you if we have already corrected the error. letter. We will also tell you if we have already corrected the error. �
                                                                                                                                                                                                                   FIRST TENNESSEE VISA  SIGNATURE
   accordance with this Agreement or applicable law. Cash Advances, Balance accordance with this Agreement or applicable law. Cash Advances, Balance accordance with this Agreement or applicable law. Cash Advances, Balance accordance with this Agreement or applicable law. Cash Advances, Balance accordance with this Agreement or applicable law. Cash Advances, Balance card account. If you have obtained any travel services by redeeming travel points card account. If you have obtained any travel services by redeeming travel points card account. If you have obtained any travel services by redeeming travel points card account. If you have obtained any travel services by redeeming travel points card account. If you have obtained any travel services by redeeming travel points applicant, authorized user of the account, or legal representative of any of the applicant, authorized user of the account, or legal representative of any of the applicant, authorized user of the account, or legal representative of any of the applicant, authorized user of the account, or legal representative of any of the applicant, authorized user of the account, or legal representative of any of the ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending ask  an  appropriate  court  to  compel  arbitration,  or  stay  litigation  pending billing address or at some other place agreed upon by you and us. The arbitrator billing address or at some other place agreed upon by you and us. The arbitrator billing address or at some other place agreed upon by you and us. The arbitrator billing address or at some other place agreed upon by you and us. The arbitrator billing address or at some other place agreed upon by you and us. The arbitrator 2. Within 90 days of receiving your letter, we must either correct the error or 2. Within 90 days of receiving your letter, we must either correct the error or 2. Within 90 days of receiving your letter, we must either correct the error or 2. Within 90 days of receiving your letter, we must either correct the error or 2. Within 90 days of receiving your letter, we must either correct the error or
   Transfers, convenience checks, debit transactions initiated by us, finance Transfers, convenience checks, debit transactions initiated by us, finance Transfers, convenience checks, debit transactions initiated by us, finance Transfers, convenience checks, debit transactions initiated by us, finance Transfers, convenience checks, debit transactions initiated by us, finance exceeding your available point balance, no matter the cause, we will charge the exceeding your available point balance, no matter the cause, we will charge the exceeding your available point balance, no matter the cause, we will charge the exceeding your available point balance, no matter the cause, we will charge the exceeding your available point balance, no matter the cause, we will charge the foregoing, and anyone claiming through such person or incident to the account.. foregoing, and anyone claiming through such person or incident to the account.. foregoing, and anyone claiming through such person or incident to the account.. foregoing, and anyone claiming through such person or incident to the account.. foregoing, and anyone claiming through such person or incident to the account.. arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party arbitration, of any Claim, even if the Claim is part of a lawsuit in court. A party will use reasonable efforts to protect confidential information if requested to do so will use reasonable efforts to protect confidential information if requested to do so will use reasonable efforts to protect confidential information if requested to do so will use reasonable efforts to protect confidential information if requested to do so will use reasonable efforts to protect confidential information if requested to do so explain to you why we believe the bill is correct. explain to you why we believe the bill is correct. explain to you why we believe the bill is correct. explain to you why we believe the bill is correct. explain to you why we believe the bill is correct. CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
   charges and fees charged to your account are not eligible for points. Our charges and fees charged to your account are not eligible for points. Our charges and fees charged to your account are not eligible for points. Our charges and fees charged to your account are not eligible for points. Our charges and fees charged to your account are not eligible for points. Our equivalent dollar value of the over-redeemed points to your Visa Signature card equivalent dollar value of the over-redeemed points to your Visa Signature card equivalent dollar value of the over-redeemed points to your Visa Signature card equivalent dollar value of the over-redeemed points to your Visa Signature card equivalent dollar value of the over-redeemed points to your Visa Signature card The word �Consumer� means a natural person who holds an account primarily The word �Consumer� means a natural person who holds an account primarily The word �Consumer� means a natural person who holds an account primarily The word �Consumer� means a natural person who holds an account primarily The word �Consumer� means a natural person who holds an account primarily who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory who has asserted a Claim in a lawsuit may nevertheless elect mandatory by any party. The arbitrator will make any award in writing and, upon a timely by any party. The arbitrator will make any award in writing and, upon a timely by any party. The arbitrator will make any award in writing and, upon a timely by any party. The arbitrator will make any award in writing and, upon a timely by any party. The arbitrator will make any award in writing and, upon a timely While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
   failure to enforce these conditions at any time and for any period of time will failure to enforce these conditions at any time and for any period of time will failure to enforce these conditions at any time and for any period of time will failure to enforce these conditions at any time and for any period of time will failure to enforce these conditions at any time and for any period of time will account as a purchase.  account as a purchase.  account as a purchase.  account as a purchase.  account as a purchase.  for personal, family or household purposes. The word Claim means any claim, for personal, family or household purposes. The word Claim means any claim, for personal, family or household purposes. The word Claim means any claim, for personal, family or household purposes. The word Claim means any claim, for personal, family or household purposes. The word Claim means any claim, arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by arbitration with respect to any Claims subsequently asserted in that lawsuit by written request, provide a written statement of reasons for the award. written request, provide a written statement of reasons for the award. written request, provide a written statement of reasons for the award. written request, provide a written statement of reasons for the award. written request, provide a written statement of reasons for the award. � � � � � We cannot try to collect the amount in question, or report you as delinquent We cannot try to collect the amount in question, or report you as delinquent We cannot try to collect the amount in question, or report you as delinquent We cannot try to collect the amount in question, or report you as delinquent We cannot try to collect the amount in question, or report you as delinquent Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   not waive our right to enforce them at a later time nor require fur ther notice not waive our right to enforce them at a later time nor require fur ther notice not waive our right to enforce them at a later time nor require fur ther notice not waive our right to enforce them at a later time nor require fur ther notice not waive our right to enforce them at a later time nor require fur ther notice Program  Program  Program  Program  Program  Restrictions  Restrictions  Restrictions  Restrictions  Restrictions  and  and  and  and  and  Other  Other  Other  Other  Other  Considerations. Considerations. Considerations. Considerations. Considerations. Certain  Certain  Certain  Certain  Certain  restrictions  restrictions  restrictions  restrictions  restrictions  and and and and and controversy, or dispute of any kind arising from or relating to the account or any controversy, or dispute of any kind arising from or relating to the account or any controversy, or dispute of any kind arising from or relating to the account or any controversy, or dispute of any kind arising from or relating to the account or any controversy, or dispute of any kind arising from or relating to the account or any any other party. Delay in exercising these rights shall not waive such rights. any other party. Delay in exercising these rights shall not waive such rights. any other party. Delay in exercising these rights shall not waive such rights. any other party. Delay in exercising these rights shall not waive such rights. any other party. Delay in exercising these rights shall not waive such rights. Costs of Arbitration. Costs of Arbitration. Costs of Arbitration. Costs of Arbitration. Costs of Arbitration. You and we will be responsible for paying the fees of the You and we will be responsible for paying the fees of the You and we will be responsible for paying the fees of the You and we will be responsible for paying the fees of the You and we will be responsible for paying the fees of the on that amount. on that amount. on that amount. on that amount. on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   to you before w e enforce them . W e w ill subtract one point from  your to you before w e enforce them . W e w ill subtract one point from  your to you before w e enforce them . W e w ill subtract one point from  your to you before w e enforce them . W e w ill subtract one point from  your to you before w e enforce them . W e w ill subtract one point from  your additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to the additional terms apply to your Visa Signature Points Program. You should refer to the relationship arising from or related to the account. The word Claim includes, but relationship arising from or related to the account. The word Claim includes, but relationship arising from or related to the account. The word Claim includes, but relationship arising from or related to the account. The word Claim includes, but relationship arising from or related to the account. The word Claim includes, but Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not Failure to exercise arbitration rights with respect to a particular Claim shall not arbitrator and any administrative fees charged by the Administrator according to arbitrator and any administrative fees charged by the Administrator according to arbitrator and any administrative fees charged by the Administrator according to arbitrator and any administrative fees charged by the Administrator according to arbitrator and any administrative fees charged by the Administrator according to � � � � � The  charge  in  question  may  remain  on  your  statement,  and  we  may The  charge  in  question  may  remain  on  your  statement,  and  we  may The  charge  in  question  may  remain  on  your  statement,  and  we  may The  charge  in  question  may  remain  on  your  statement,  and  we  may The  charge  in  question  may  remain  on  your  statement,  and  we  may Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   account for each dollar in returned purchase credits. P oints m ay be account for each dollar in returned purchase credits. P oints m ay be account for each dollar in returned purchase credits. P oints m ay be account for each dollar in returned purchase credits. P oints m ay be account for each dollar in returned purchase credits. P oints m ay be Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program Visa  Signature  Guidelines  at  www.firsttennessee.com  for  the  current  program is not limited to, any claim, controversy or dispute involving one or more of the is not limited to, any claim, controversy or dispute involving one or more of the is not limited to, any claim, controversy or dispute involving one or more of the is not limited to, any claim, controversy or dispute involving one or more of the is not limited to, any claim, controversy or dispute involving one or more of the waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim.  If the waive your right or our right to demand arbitration of any other Claim.  If the the rules and procedures of the Administrator. We will also pay or reimburse you the rules and procedures of the Administrator. We will also pay or reimburse you the rules and procedures of the Administrator. We will also pay or reimburse you the rules and procedures of the Administrator. We will also pay or reimburse you the rules and procedures of the Administrator. We will also pay or reimburse you continue to charge you interest on that amount. continue to charge you interest on that amount. continue to charge you interest on that amount. continue to charge you interest on that amount. continue to charge you interest on that amount. Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   accumulated from month to month and year to year, for three years. accumulated from month to month and year to year, for three years. accumulated from month to month and year to year, for three years. accumulated from month to month and year to year, for three years. accumulated from month to month and year to year, for three years. restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines include: restrictions and terms. Topics addressed in the Visa Signature Guidelines include: following: following: following: following: following: Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall Administrator declines to administer a Claim in arbitration, then either party shall for all or part of other arbitration fees, if the arbitrator determines there is good for all or part of other arbitration fees, if the arbitrator determines there is good for all or part of other arbitration fees, if the arbitrator determines there is good for all or part of other arbitration fees, if the arbitrator determines there is good for all or part of other arbitration fees, if the arbitrator determines there is good � � � � � While you do not have to pay the amount in question, you are responsible While you do not have to pay the amount in question, you are responsible While you do not have to pay the amount in question, you are responsible While you do not have to pay the amount in question, you are responsible While you do not have to pay the amount in question, you are responsible Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   Unless redeemed, points will expire and be forfeited on the third anniversary of Unless redeemed, points will expire and be forfeited on the third anniversary of Unless redeemed, points will expire and be forfeited on the third anniversary of Unless redeemed, points will expire and be forfeited on the third anniversary of Unless redeemed, points will expire and be forfeited on the third anniversary of Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel � the formation, application, enforceability, or interpretation of this Arbitration � the formation, application, enforceability, or interpretation of this Arbitration � the formation, application, enforceability, or interpretation of this Arbitration � the formation, application, enforceability, or interpretation of this Arbitration � the formation, application, enforceability, or interpretation of this Arbitration have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the have the right to proceed with the Claim as a lawsuit in court, in which case the reason to do so, and we will pay any fees and costs, which we are required to pay reason to do so, and we will pay any fees and costs, which we are required to pay reason to do so, and we will pay any fees and costs, which we are required to pay reason to do so, and we will pay any fees and costs, which we are required to pay reason to do so, and we will pay any fees and costs, which we are required to pay for the remainder of your balance. for the remainder of your balance. for the remainder of your balance. for the remainder of your balance. for the remainder of your balance. Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   the last day of the calendar year in which awarded. For example, points the last day of the calendar year in which awarded. For example, points the last day of the calendar year in which awarded. For example, points the last day of the calendar year in which awarded. For example, points the last day of the calendar year in which awarded. For example, points services are subject to availability; you may not be able to obtain travel services services are subject to availability; you may not be able to obtain travel services services are subject to availability; you may not be able to obtain travel services services are subject to availability; you may not be able to obtain travel services services are subject to availability; you may not be able to obtain travel services Provision or other part of the Agreement; Provision or other part of the Agreement; Provision or other part of the Agreement; Provision or other part of the Agreement; Provision or other part of the Agreement; Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies. Class Action Waiver set forth below still applies. Billing Statements Billing Statements Billing Statements Billing Statements Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                                                                                                                             by law or by the rules and procedures of the Administrator.  In addition, in the event by law or by the rules and procedures of the Administrator.  In addition, in the event by law or by the rules and procedures of the Administrator.  In addition, in the event by law or by the rules and procedures of the Administrator.  In addition, in the event by law or by the rules and procedures of the Administrator.  In addition, in the event � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit.
                                                                                                                                                                                                                   Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   awarded in January 2014, if not redeemed, will expire and be forfeited on awarded in January 2014, if not redeemed, will expire and be forfeited on awarded in January 2014, if not redeemed, will expire and be forfeited on awarded in January 2014, if not redeemed, will expire and be forfeited on awarded in January 2014, if not redeemed, will expire and be forfeited on for all destinations or flights.  for all destinations or flights.  for all destinations or flights.  for all destinations or flights.  for all destinations or flights.  � any advertisements, solicitations, disclosures or other communications � any advertisements, solicitations, disclosures or other communications � any advertisements, solicitations, disclosures or other communications � any advertisements, solicitations, disclosures or other communications � any advertisements, solicitations, disclosures or other communications Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) that you receive an arbitration award that is greater than our last written settlement that you receive an arbitration award that is greater than our last written settlement that you receive an arbitration award that is greater than our last written settlement that you receive an arbitration award that is greater than our last written settlement that you receive an arbitration award that is greater than our last written settlement After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Mini Effects of Making Minimum Payments Effects of Making Minimum Payments mum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   December 31, 2017. If you close your Visa Signature card account, or if we December 31, 2017. If you close your Visa Signature card account, or if we December 31, 2017. If you close your Visa Signature card account, or if we December 31, 2017. If you close your Visa Signature card account, or if we December 31, 2017. If you close your Visa Signature card account, or if we
                                     Termination and Modification. Termination and Modification. Termination and Modification. Termination and Modification. Termination and Modification. We may terminate or modify the Visa Signature We may terminate or modify the Visa Signature We may terminate or modify the Visa Signature We may terminate or modify the Visa Signature We may terminate or modify the Visa Signature relating to the account, whether made before or after the account was relating to the account, whether made before or after the account was relating to the account, whether made before or after the account was relating to the account, whether made before or after the account was relating to the account, whether made before or after the account was waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to waive the right to proceed as part of any class action and (2) waive the right to offer, the arbitrator shall have the discretion to require us to pay your attorneys� offer, the arbitrator shall have the discretion to require us to pay your attorneys� offer, the arbitrator shall have the discretion to require us to pay your attorneys� offer, the arbitrator shall have the discretion to require us to pay your attorneys� offer, the arbitrator shall have the discretion to require us to pay your attorneys� � � � � � If we made a mistake: You will not have to pay the amount in question or If we made a mistake: You will not have to pay the amount in question or If we made a mistake: You will not have to pay the amount in question or If we made a mistake: You will not have to pay the amount in question or If we made a mistake: You will not have to pay the amount in question or Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   terminate or suspend your credit privileges in accordance with this Agreement terminate or suspend your credit privileges in accordance with this Agreement terminate or suspend your credit privileges in accordance with this Agreement terminate or suspend your credit privileges in accordance with this Agreement terminate or suspend your credit privileges in accordance with this Agreement
                                     Points Program at any time without cause, without notice and without affecting Points Program at any time without cause, without notice and without affecting Points Program at any time without cause, without notice and without affecting Points Program at any time without cause, without notice and without affecting Points Program at any time without cause, without notice and without affecting opened; opened; opened; opened; opened; a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard a trial by jury of any and all Claims.  No Claim submitted to arbitration is heard fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, fees and costs. Otherwise, each party will bear its own attorneys� fees and costs, any interest or other fees related to that amount. any interest or other fees related to that amount. any interest or other fees related to that amount. any interest or other fees related to that amount. any interest or other fees related to that amount. New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be or  applicable  law,  then  all  accumulated  points  not  yet  redeemed  will  be
                                     your privileges to use your credit card account for Purchases, Balance Transfers your privileges to use your credit card account for Purchases, Balance Transfers your privileges to use your credit card account for Purchases, Balance Transfers your privileges to use your credit card account for Purchases, Balance Transfers your privileges to use your credit card account for Purchases, Balance Transfers � the opening, administration and termination of the account; � the opening, administration and termination of the account; � the opening, administration and termination of the account; � the opening, administration and termination of the account; � the opening, administration and termination of the account; by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. by a jury or may be brought as a class action or as a private attorney general. regardless of who prevails. regardless of who prevails. regardless of who prevails. regardless of who prevails. regardless of who prevails. � � � � � If we do not believe there was a mistake: You will have to pay the amount in If we do not believe there was a mistake: You will have to pay the amount in If we do not believe there was a mistake: You will have to pay the amount in If we do not believe there was a mistake: You will have to pay the amount in If we do not believe there was a mistake: You will have to pay the amount in Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   forfeited.  forfeited.  forfeited.  forfeited.  forfeited.                                                                                                                                                      Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
                                     or Cash Advances under this Agreement. By accumulating Points, you do not or Cash Advances under this Agreement. By accumulating Points, you do not or Cash Advances under this Agreement. By accumulating Points, you do not or Cash Advances under this Agreement. By accumulating Points, you do not or Cash Advances under this Agreement. By accumulating Points, you do not You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a You do not have the right to act as a class representative or participate as a
                                                                         � any transactions involving the account; � any transactions involving the account; � any transactions involving the account; � any transactions involving the account; � any transactions involving the account; Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, Finality of Arbitration. The arbitrator�s decision is final and binding on the parties, question, along with applicable interest and fees. We will send you a question, along with applicable interest and fees. We will send you a question, along with applicable interest and fees. We will send you a question, along with applicable interest and fees. We will send you a question, along with applicable interest and fees. We will send you a
                                                                                                                                                                                                                   Payment Processing Payment Processing Payment Processing Payment Processing Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   Redeeming Points. We contract with an agency to provide Visa Signature services.  Redeeming Points. We contract with an agency to provide Visa Signature services.  Redeeming Points. We contract with an agency to provide Visa Signature services.  Redeeming Points. We contract with an agency to provide Visa Signature services.  Redeeming Points. We contract with an agency to provide Visa Signature services.  acquire any vested right with respect to such points or other program benefits; acquire any vested right with respect to such points or other program benefits; acquire any vested right with respect to such points or other program benefits; acquire any vested right with respect to such points or other program benefits; acquire any vested right with respect to such points or other program benefits; member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to member  of  a  class  of  claimants  with  respect  to  any  Claim  submitted  to
                                                                         � any interest, fees and other charges to the account; � any interest, fees and other charges to the account; � any interest, fees and other charges to the account; � any interest, fees and other charges to the account; � any interest, fees and other charges to the account; except for any right of appeal provided by the FAA. Costs will be allocated in the except for any right of appeal provided by the FAA. Costs will be allocated in the except for any right of appeal provided by the FAA. Costs will be allocated in the except for any right of appeal provided by the FAA. Costs will be allocated in the except for any right of appeal provided by the FAA. Costs will be allocated in the statement of the amount you owe and the date payment is due. We may statement of the amount you owe and the date payment is due. We may statement of the amount you owe and the date payment is due. We may statement of the amount you owe and the date payment is due. We may statement of the amount you owe and the date payment is due. We may Visa Money Transfer Visa Money Transfer Visa Money Transfer Visa Money Transfer Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   You authorize us to share information concerning your account with the agency, You authorize us to share information concerning your account with the agency, You authorize us to share information concerning your account with the agency, You authorize us to share information concerning your account with the agency, You authorize us to share information concerning your account with the agency, and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any and you may not rely upon the continued effectiveness or availability of any arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be same way as costs are allocated in arbitration by a single arbitrator. A final and same way as costs are allocated in arbitration by a single arbitrator. A final and same way as costs are allocated in arbitration by a single arbitrator. A final and same way as costs are allocated in arbitration by a single arbitrator. A final and same way as costs are allocated in arbitration by a single arbitrator. A final and then report you as delinquent if you do not pay the amount we think you then report you as delinquent if you do not pay the amount we think you then report you as delinquent if you do not pay the amount we think you then report you as delinquent if you do not pay the amount we think you then report you as delinquent if you do not pay the amount we think you
                                                                         � any products or services (whether provided by us or a third party) related � any products or services (whether provided by us or a third party) related � any products or services (whether provided by us or a third party) related � any products or services (whether provided by us or a third party) related � any products or services (whether provided by us or a third party) related Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   its employees and representatives (collectively, the  its employees and representatives (collectively, the  its employees and representatives (collectively, the  its employees and representatives (collectively, the  its employees and representatives (collectively, the  �Agency�), including but  �Agency�), including but  �Agency�), including but  �Agency�), including but  �Agency�), including but  previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may previously published, or otherwise communicated, redemption terms. We may arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority binding award is subject to judicial review only as provided by the FAA. An binding award is subject to judicial review only as provided by the FAA. An binding award is subject to judicial review only as provided by the FAA. An binding award is subject to judicial review only as provided by the FAA. An binding award is subject to judicial review only as provided by the FAA. An owe. owe. owe. owe. owe.
                                                                          to or offered in connection with the account; to or offered in connection with the account; to or offered in connection with the account; to or offered in connection with the account; to or offered in connection with the account; Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   not limited to any and all information reflected on your Visa Signature card not limited to any and all information reflected on your Visa Signature card not limited to any and all information reflected on your Visa Signature card not limited to any and all information reflected on your Visa Signature card not limited to any and all information reflected on your Visa Signature card cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your cancel  or  change  program  benefits,  redemption  levels,  conditions  for  your to resolve Claims is limited to Claims between you and us alone, and the to resolve Claims is limited to Claims between you and us alone, and the to resolve Claims is limited to Claims between you and us alone, and the to resolve Claims is limited to Claims between you and us alone, and the to resolve Claims is limited to Claims between you and us alone, and the arbitration  arbitration  arbitration  arbitration  arbitration  award  award  award  award  award  will  will  will  will  will  be  be  be  be  be  enforceable  enforceable  enforceable  enforceable  enforceable  under  under  under  under  under  the  the  the  the  the  FAA  FAA  FAA  FAA  FAA  by  by  by  by  by  any  any  any  any  any  court  court  court  court  court  having having having having having If you receive our explanation but still believe your bill is wrong, you must write to If you receive our explanation but still believe your bill is wrong, you must write to If you receive our explanation but still believe your bill is wrong, you must write to If you receive our explanation but still believe your bill is wrong, you must write to If you receive our explanation but still believe your bill is wrong, you must write to Foreig Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions n Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   account statement and recent transactions on your Visa Signature card account.  account statement and recent transactions on your Visa Signature card account.  account statement and recent transactions on your Visa Signature card account.  account statement and recent transactions on your Visa Signature card account.  account statement and recent transactions on your Visa Signature card account.  � any use or disclosure of information about you or the account; � any use or disclosure of information about you or the account; � any use or disclosure of information about you or the account; � any use or disclosure of information about you or the account; � any use or disclosure of information about you or the account;
                                     participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  participation in the program, and rules for earning, redeeming or forfeiting Points  arbitrator�s authority to make awards is limited to you and us alone. Furthermore, arbitrator�s authority to make awards is limited to you and us alone. Furthermore, arbitrator�s authority to make awards is limited to you and us alone. Furthermore, arbitrator�s authority to make awards is limited to you and us alone. Furthermore, arbitrator�s authority to make awards is limited to you and us alone. Furthermore, jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                                                                                                                                us within 10 days telling us that you still refuse to pay. If you do so, we cannot us within 10 days telling us that you still refuse to pay. If you do so, we cannot us within 10 days telling us that you still refuse to pay. If you do so, we cannot us within 10 days telling us that you still refuse to pay. If you do so, we cannot us within 10 days telling us that you still refuse to pay. If you do so, we cannot
   This information is shared in accordance with our Privacy Notice in this This information is shared in accordance with our Privacy Notice in this This information is shared in accordance with our Privacy Notice in this This information is shared in accordance with our Privacy Notice in this This information is shared in accordance with our Privacy Notice in this � any other matters relating to the account or your credit card relationship � any other matters relating to the account or your credit card relationship � any other matters relating to the account or your credit card relationship � any other matters relating to the account or your credit card relationship � any other matters relating to the account or your credit card relationship
                                     at any time, even though such changes may prevent your use of the Points you  at any time, even though such changes may prevent your use of the Points you  at any time, even though such changes may prevent your use of the Points you  at any time, even though such changes may prevent your use of the Points you  at any time, even though such changes may prevent your use of the Points you  Claims brought by you against us or by us against you may not be joined or Claims brought by you against us or by us against you may not be joined or Claims brought by you against us or by us against you may not be joined or Claims brought by you against us or by us against you may not be joined or Claims brought by you against us or by us against you may not be joined or Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                                                                                             Survival  of  Arbitration  Provision. Survival  of  Arbitration  Provision. Survival  of  Arbitration  Provision. Survival  of  Arbitration  Provision. Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i) This  Arbitration  Provision  shall  survive:  (i) This  Arbitration  Provision  shall  survive:  (i) This  Arbitration  Provision  shall  survive:  (i) This  Arbitration  Provision  shall  survive:  (i) report you as delinquent without also reporting that you are questioning your bill. report you as delinquent without also reporting that you are questioning your bill. report you as delinquent without also reporting that you are questioning your bill. report you as delinquent without also reporting that you are questioning your bill. report you as delinquent without also reporting that you are questioning your bill.
   Agreement. The Agency will charge you fees (for which we will not reimburse Agreement. The Agency will charge you fees (for which we will not reimburse Agreement. The Agency will charge you fees (for which we will not reimburse Agreement. The Agency will charge you fees (for which we will not reimburse Agreement. The Agency will charge you fees (for which we will not reimburse with us. with us. with us. with us. with us. consolidated in arbitration with Claims brought by or against someone other than consolidated in arbitration with Claims brought by or against someone other than consolidated in arbitration with Claims brought by or against someone other than consolidated in arbitration with Claims brought by or against someone other than consolidated in arbitration with Claims brought by or against someone other than Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     have accumulated. have accumulated. have accumulated. have accumulated. have accumulated.               termination or changes in the Agreement and/or related agreements or programs, termination or changes in the Agreement and/or related agreements or programs, termination or changes in the Agreement and/or related agreements or programs, termination or changes in the Agreement and/or related agreements or programs, termination or changes in the Agreement and/or related agreements or programs, We must tell you the name of anyone to whom we reported you as delinquent, and We must tell you the name of anyone to whom we reported you as delinquent, and We must tell you the name of anyone to whom we reported you as delinquent, and We must tell you the name of anyone to whom we reported you as delinquent, and We must tell you the name of anyone to whom we reported you as delinquent, and Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advanc Cash Advances  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advanc Cash Advanc es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   you) for transactions that you conduct through the Agency, whether or not you you) for transactions that you conduct through the Agency, whether or not you you) for transactions that you conduct through the Agency, whether or not you you) for transactions that you conduct through the Agency, whether or not you you) for transactions that you conduct through the Agency, whether or not you All  Claims  Subject  to  Arbitration  Provision. All  Claims  Subject  to  Arbitration  Provision. All  Claims  Subject  to  Arbitration  Provision. All  Claims  Subject  to  Arbitration  Provision. All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this All  Claims  are  subject  to  this All  Claims  are  subject  to  this All  Claims  are  subject  to  this All  Claims  are  subject  to  this you, unless otherwise agreed to in writing by all parties. you, unless otherwise agreed to in writing by all parties. you, unless otherwise agreed to in writing by all parties. you, unless otherwise agreed to in writing by all parties. you, unless otherwise agreed to in writing by all parties.
                                     ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION the account, and the relationship between you and us concerning the account and the account, and the relationship between you and us concerning the account and the account, and the relationship between you and us concerning the account and the account, and the relationship between you and us concerning the account and the account, and the relationship between you and us concerning the account and we must let those organizations know when the matter has been settled between we must let those organizations know when the matter has been settled between we must let those organizations know when the matter has been settled between we must let those organizations know when the matter has been settled between we must let those organizations know when the matter has been settled between Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   are redeeming Visa Signature points. You may not use Visa Signature points  are redeeming Visa Signature points. You may not use Visa Signature points  are redeeming Visa Signature points. You may not use Visa Signature points  are redeeming Visa Signature points. You may not use Visa Signature points  are redeeming Visa Signature points. You may not use Visa Signature points  Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Arbitration Provision, regardless of whether the Claim: (i) previously existed, is Arbitration Provision, regardless of whether the Claim: (i) previously existed, is
                                     ARBITRATION: ARBITRATION: ARBITRATION: ARBITRATION: ARBITRATION: PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION Severability. Severability. Severability. Severability. Severability. The parties to this Arbitration Provision acknowledge that the Class The parties to this Arbitration Provision acknowledge that the Class The parties to this Arbitration Provision acknowledge that the Class The parties to this Arbitration Provision acknowledge that the Class The parties to this Arbitration Provision acknowledge that the Class related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or related programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or us. If we do not follow all of the rules above, you do not have to pay the first $50 us. If we do not follow all of the rules above, you do not have to pay the first $50 us. If we do not follow all of the rules above, you do not have to pay the first $50 us. If we do not follow all of the rules above, you do not have to pay the first $50 us. If we do not follow all of the rules above, you do not have to pay the first $50 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   to pay the Agency�s fees. to pay the Agency�s fees. to pay the Agency�s fees. to pay the Agency�s fees. to pay the Agency�s fees. now existing (whether discovered or undiscovered) or arises later; (ii) is based now existing (whether discovered or undiscovered) or arises later; (ii) is based now existing (whether discovered or undiscovered) or arises later; (ii) is based now existing (whether discovered or undiscovered) or arises later; (ii) is based now existing (whether discovered or undiscovered) or arises later; (ii) is based
                                     CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between Action Waiver is material and essential to the arbitration of any disputes between other transfer of the account, or any amounts owed on the account. Any different other transfer of the account, or any amounts owed on the account. Any different other transfer of the account, or any amounts owed on the account. Any different other transfer of the account, or any amounts owed on the account. Any different other transfer of the account, or any amounts owed on the account. Any different of the amount you question even if your bill is correct. of the amount you question even if your bill is correct. of the amount you question even if your bill is correct. of the amount you question even if your bill is correct. of the amount you question even if your bill is correct. Balance Transfer Balance Balance Transfer Balance Balance Transfer Balance Balance Transfer Balance Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   In order to redeem points, your Visa Signature card account must be open, In order to redeem points, your Visa Signature card account must be open, In order to redeem points, your Visa Signature card account must be open, In order to redeem points, your Visa Signature card account must be open, In order to redeem points, your Visa Signature card account must be open, on a theory of contract, tort (including intentional tort), negligence, agency or on a theory of contract, tort (including intentional tort), negligence, agency or on a theory of contract, tort (including intentional tort), negligence, agency or on a theory of contract, tort (including intentional tort), negligence, agency or on a theory of contract, tort (including intentional tort), negligence, agency or Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     CLAIMS  CLAIMS  CLAIMS  CLAIMS  CLAIMS  (SUBJECT  (SUBJECT  (SUBJECT  (SUBJECT  (SUBJECT  TO  TO  TO  TO  TO  SOME  SOME  SOME  SOME  SOME  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  COURT COURT COURT COURT COURT the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision.  If the Class the parties and is non-severable from this Arbitration Provision.  If the Class agreement regarding arbitration of Claims must be agreed in writing. agreement regarding arbitration of Claims must be agreed in writing. agreement regarding arbitration of Claims must be agreed in writing. agreement regarding arbitration of Claims must be agreed in writing. agreement regarding arbitration of Claims must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases
   active and not in default status according to the terms of this Agreement. In active and not in default status according to the terms of this Agreement. In active and not in default status according to the terms of this Agreement. In active and not in default status according to the terms of this Agreement. In active and not in default status according to the terms of this Agreement. In other vicarious liability, fraud, statute, regulation, constitution, or any other other vicarious liability, fraud, statute, regulation, constitution, or any other other vicarious liability, fraud, statute, regulation, constitution, or any other other vicarious liability, fraud, statute, regulation, constitution, or any other other vicarious liability, fraud, statute, regulation, constitution, or any other Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees an Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 d Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties� Action  Waiver  is  limited,  voided  or  found  unenforceable,  then  the  parties�
                                                                                                                                             Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use If you are dissatisfied with the goods or services that you have purchased with If you are dissatisfied with the goods or services that you have purchased with If you are dissatisfied with the goods or services that you have purchased with If you are dissatisfied with the goods or services that you have purchased with If you are dissatisfied with the goods or services that you have purchased with Annual Fee Annual Fee Annual Fee Annual Fee Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   addition,  addition,  addition,  addition,  addition,  you  you  you  you  you  must  must  must  must  must  have  have  have  have  have  the  the  the  the  the  minimum  minimum  minimum  minimum  minimum  number  number  number  number  number  of  of  of  of  of  points  points  points  points  points  required  required  required  required  required  for for for for for source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive source of law or equity; (iii) seeks monetary damages, or declaratory, injunctive
                                     HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN agreement to arbitrate (except for this sentence) shall be null and void with agreement to arbitrate (except for this sentence) shall be null and void with agreement to arbitrate (except for this sentence) shall be null and void with agreement to arbitrate (except for this sentence) shall be null and void with agreement to arbitrate (except for this sentence) shall be null and void with
                                                                                                                                             This notice tells you about your rights and our responsibilities under the Fair This notice tells you about your rights and our responsibilities under the Fair This notice tells you about your rights and our responsibilities under the Fair This notice tells you about your rights and our responsibilities under the Fair This notice tells you about your rights and our responsibilities under the Fair your credit card, and you have tried in good faith to correct the problem with the your credit card, and you have tried in good faith to correct the problem with the your credit card, and you have tried in good faith to correct the problem with the your credit card, and you have tried in good faith to correct the problem with the your credit card, and you have tried in good faith to correct the problem with the
   redemption as published in the Visa Signature guidelines on our website at redemption as published in the Visa Signature guidelines on our website at redemption as published in the Visa Signature guidelines on our website at redemption as published in the Visa Signature guidelines on our website at redemption as published in the Visa Signature guidelines on our website at relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, relief, or other remedy or relief; (iv) is asserted as an initial claim, counterclaim, Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU respect to such proceeding, subject to the right to appeal the limitation or respect to such proceeding, subject to the right to appeal the limitation or respect to such proceeding, subject to the right to appeal the limitation or respect to such proceeding, subject to the right to appeal the limitation or respect to such proceeding, subject to the right to appeal the limitation or
                                                                                                                                                                                merchant, you may have the right not to pay the remaining amount due on the merchant, you may have the right not to pay the remaining amount due on the merchant, you may have the right not to pay the remaining amount due on the merchant, you may have the right not to pay the remaining amount due on the merchant, you may have the right not to pay the remaining amount due on the Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   www.firsttennessee.com. Our failure to enforce these conditions at any time www.firsttennessee.com. Our failure to enforce these conditions at any time www.firsttennessee.com. Our failure to enforce these conditions at any time www.firsttennessee.com. Our failure to enforce these conditions at any time www.firsttennessee.com. Our failure to enforce these conditions at any time crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is crossclaim,  interpleader  action,  third-party  claim  or  other  action;  or  (v)  is Credit Billing Act. Credit Billing Act. Credit Billing Act. Credit Billing Act. Credit Billing Act.
                                     WOULD  WOULD  WOULD  WOULD  WOULD  HAVE  HAVE  HAVE  HAVE  HAVE  IN  IN  IN  IN  IN  COURT  COURT  COURT  COURT  COURT  THAT  THAT  THAT  THAT  THAT  MAY  MAY  MAY  MAY  MAY  BE  BE  BE  BE  BE  LIMITED  LIMITED  LIMITED  LIMITED  LIMITED  OR  OR  OR  OR  OR  UNAVAILABLE  UNAVAILABLE  UNAVAILABLE  UNAVAILABLE  UNAVAILABLE  IN IN IN IN IN invalidation of the Class Action Waiver.  The parties acknowledge and agree that invalidation of the Class Action Waiver.  The parties acknowledge and agree that invalidation of the Class Action Waiver.  The parties acknowledge and agree that invalidation of the Class Action Waiver.  The parties acknowledge and agree that invalidation of the Class Action Waiver.  The parties acknowledge and agree that
                                                                                                                                                                                purchase. purchase. purchase. purchase. purchase. Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   and for any period of time will not waive our right to enforce them at a later time and for any period of time will not waive our right to enforce them at a later time and for any period of time will not waive our right to enforce them at a later time and for any period of time will not waive our right to enforce them at a later time and for any period of time will not waive our right to enforce them at a later time asserted  asserted  asserted  asserted  asserted  as  as  as  as  as  an  an  an  an  an  individual  individual  individual  individual  individual  claim  claim  claim  claim  claim  or  or  or  or  or  as  as  as  as  as  part  part  part  part  part  of  of  of  of  of  a  a  a  a  a  class  class  class  class  class  action  action  action  action  action  or  or  or  or  or  other other other other other
                                     ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. under no circumstances will a class action be arbitrated.  If any portion of this under no circumstances will a class action be arbitrated.  If any portion of this under no circumstances will a class action be arbitrated.  If any portion of this under no circumstances will a class action be arbitrated.  If any portion of this under no circumstances will a class action be arbitrated.  If any portion of this What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   nor require further notice to you before we enforce them. Subject to those nor require further notice to you before we enforce them. Subject to those nor require further notice to you before we enforce them. Subject to those nor require further notice to you before we enforce them. Subject to those nor require further notice to you before we enforce them. Subject to those representative or collective action. (Any Claim asserted as part of a class action representative or collective action. (Any Claim asserted as part of a class action representative or collective action. (Any Claim asserted as part of a class action representative or collective action. (Any Claim asserted as part of a class action representative or collective action. (Any Claim asserted as part of a class action To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true:
                                     FEES  FEES  FEES  FEES  FEES  AND  AND  AND  AND  AND  EXPENSES  EXPENSES  EXPENSES  EXPENSES  EXPENSES  OF  OF  OF  OF  OF  ARBITRATION  ARBITRATION  ARBITRATION  ARBITRATION  ARBITRATION  MAY  MAY  MAY  MAY  MAY  BE  BE  BE  BE  BE  HIGHER  HIGHER  HIGHER  HIGHER  HIGHER  THAN  THAN  THAN  THAN  THAN  THOSE THOSE THOSE THOSE THOSE Arbitration Provision, other than the Class Action Waiver, cannot be enforced, Arbitration Provision, other than the Class Action Waiver, cannot be enforced, Arbitration Provision, other than the Class Action Waiver, cannot be enforced, Arbitration Provision, other than the Class Action Waiver, cannot be enforced, Arbitration Provision, other than the Class Action Waiver, cannot be enforced, If you think there is an error on your statement, write to us at: BankCard Center, If you think there is an error on your statement, write to us at: BankCard Center, If you think there is an error on your statement, write to us at: BankCard Center, If you think there is an error on your statement, write to us at: BankCard Center, If you think there is an error on your statement, write to us at: BankCard Center, Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   conditions, you may redeem your points by calling the Visa Signature conditions, you may redeem your points by calling the Visa Signature conditions, you may redeem your points by calling the Visa Signature conditions, you may redeem your points by calling the Visa Signature conditions, you may redeem your points by calling the Visa Signature or other representative or collective action shall proceed in arbitration on an or other representative or collective action shall proceed in arbitration on an or other representative or collective action shall proceed in arbitration on an or other representative or collective action shall proceed in arbitration on an or other representative or collective action shall proceed in arbitration on an
                                     ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL that portion will be severed, and the rest of the Arbitration Provision will continue that portion will be severed, and the rest of the Arbitration Provision will continue that portion will be severed, and the rest of the Arbitration Provision will continue that portion will be severed, and the rest of the Arbitration Provision will continue that portion will be severed, and the rest of the Arbitration Provision will continue P.O.  P.O.  P.O.  P.O.  P.O.  Box  Box  Box  Box  Box  1545,  1545,  1545,  1545,  1545,  Memphis,  Memphis,  Memphis,  Memphis,  Memphis,  TN  TN  TN  TN  TN  38101-1545.  38101-1545.  38101-1545.  38101-1545.  38101-1545.  You  You  You  You  You  may  may  may  may  may  also  also  also  also  also  go  go  go  go  go  to to to to to 1. The purchase must have been made in your home state or within 100 miles of 1. The purchase must have been made in your home state or within 100 miles of 1. The purchase must have been made in your home state or within 100 miles of 1. The purchase must have been made in your home state or within 100 miles of 1. The purchase must have been made in your home state or within 100 miles of Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   Service Center at 1-888-216-2896. A Visa Signature specialist will verify Service Center at 1-888-216-2896. A Visa Signature specialist will verify Service Center at 1-888-216-2896. A Visa Signature specialist will verify Service Center at 1-888-216-2896. A Visa Signature specialist will verify Service Center at 1-888-216-2896. A Visa Signature specialist will verify individual basis as set forth below.) Joint Cardholders, applicants and authorized individual basis as set forth below.) Joint Cardholders, applicants and authorized individual basis as set forth below.) Joint Cardholders, applicants and authorized individual basis as set forth below.) Joint Cardholders, applicants and authorized individual basis as set forth below.) Joint Cardholders, applicants and authorized
                                     BE BINDING, EXCEPT AS PROVIDED BELOW. BE BINDING, EXCEPT AS PROVIDED BELOW. BE BINDING, EXCEPT AS PROVIDED BELOW. BE BINDING, EXCEPT AS PROVIDED BELOW. BE BINDING, EXCEPT AS PROVIDED BELOW. to apply. to apply. to apply. to apply. to apply. www.firsttennessee.com and submit a transaction dispute. You will need to give www.firsttennessee.com and submit a transaction dispute. You will need to give www.firsttennessee.com and submit a transaction dispute. You will need to give www.firsttennessee.com and submit a transaction dispute. You will need to give www.firsttennessee.com and submit a transaction dispute. You will need to give your current mailing address, and the purchase price must have been more your current mailing address, and the purchase price must have been more your current mailing address, and the purchase price must have been more your current mailing address, and the purchase price must have been more your current mailing address, and the purchase price must have been more Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                                                        users on a single account or multiple accounts for which the same Cardholders users on a single account or multiple accounts for which the same Cardholders users on a single account or multiple accounts for which the same Cardholders users on a single account or multiple accounts for which the same Cardholders users on a single account or multiple accounts for which the same Cardholders us the following information:  us the following information:  us the following information:  us the following information:  us the following information:  than $50. (Note: Neither of these is necessary if your purchase was based on  than $50. (Note: Neither of these is necessary if your purchase was based on  than $50. (Note: Neither of these is necessary if your purchase was based on  than $50. (Note: Neither of these is necessary if your purchase was based on  than $50. (Note: Neither of these is necessary if your purchase was based on  Default/Enti Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 re Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   your available points and eligibility to redeem points in the requested amount. your available points and eligibility to redeem points in the requested amount. your available points and eligibility to redeem points in the requested amount. your available points and eligibility to redeem points in the requested amount. your available points and eligibility to redeem points in the requested amount.
                                     Agreement to Arbitrate. Agreement to Arbitrate. Agreement to Arbitrate. Agreement to Arbitrate. Agreement to Arbitrate. Upon the election of either you or us, any Claims (as Upon the election of either you or us, any Claims (as Upon the election of either you or us, any Claims (as Upon the election of either you or us, any Claims (as Upon the election of either you or us, any Claims (as Arbitration Procedures and Law. A single arbitrator chosen by the Administrator Arbitration Procedures and Law. A single arbitrator chosen by the Administrator Arbitration Procedures and Law. A single arbitrator chosen by the Administrator Arbitration Procedures and Law. A single arbitrator chosen by the Administrator Arbitration Procedures and Law. A single arbitrator chosen by the Administrator Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   Points m ay be redeem ed according to the Visa Signature Point Points m ay be redeem ed according to the Visa Signature Point Points m ay be redeem ed according to the Visa Signature Point Points m ay be redeem ed according to the Visa Signature Point Points m ay be redeem ed according to the Visa Signature Point are legally responsible will be treated as one person for this purpose.  All are legally responsible will be treated as one person for this purpose.  All are legally responsible will be treated as one person for this purpose.  All are legally responsible will be treated as one person for this purpose.  All are legally responsible will be treated as one person for this purpose.  All
                                                                                                          will resolve Claims pursuant to the rules and procedures of the Administrator and will resolve Claims pursuant to the rules and procedures of the Administrator and will resolve Claims pursuant to the rules and procedures of the Administrator and will resolve Claims pursuant to the rules and procedures of the Administrator and will resolve Claims pursuant to the rules and procedures of the Administrator and � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. an advertisement we mailed to you, or if we own the company that sold you the  an advertisement we mailed to you, or if we own the company that sold you the  an advertisement we mailed to you, or if we own the company that sold you the  an advertisement we mailed to you, or if we own the company that sold you the  an advertisement we mailed to you, or if we own the company that sold you the 
                                     defined below), except for Claims filed in a small claims court, may be resolved defined below), except for Claims filed in a small claims court, may be resolved defined below), except for Claims filed in a small claims court, may be resolved defined below), except for Claims filed in a small claims court, may be resolved defined below), except for Claims filed in a small claims court, may be resolved Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   Redemption Terms published in the current Visa Signature guidelines. Visa Redemption Terms published in the current Visa Signature guidelines. Visa Redemption Terms published in the current Visa Signature guidelines. Visa Redemption Terms published in the current Visa Signature guidelines. Visa Redemption Terms published in the current Visa Signature guidelines. Visa questions about whether disputes are subject to arbitration shall be resolved by questions about whether disputes are subject to arbitration shall be resolved by questions about whether disputes are subject to arbitration shall be resolved by questions about whether disputes are subject to arbitration shall be resolved by questions about whether disputes are subject to arbitration shall be resolved by
                                                                                                          this Arbitration Provision. This Arbitration Provision will govern in the event of this Arbitration Provision. This Arbitration Provision will govern in the event of this Arbitration Provision. This Arbitration Provision will govern in the event of this Arbitration Provision. This Arbitration Provision will govern in the event of this Arbitration Provision. This Arbitration Provision will govern in the event of � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. goods or services.) goods or services.) goods or services.) goods or services.) goods or services.)
                                     by mandatory, binding arbitration. The small claims court exclusion applies only by mandatory, binding arbitration. The small claims court exclusion applies only by mandatory, binding arbitration. The small claims court exclusion applies only by mandatory, binding arbitration. The small claims court exclusion applies only by mandatory, binding arbitration. The small claims court exclusion applies only Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   Signature points may be redeemed only through the Agency designated by Signature points may be redeemed only through the Agency designated by Signature points may be redeemed only through the Agency designated by Signature points may be redeemed only through the Agency designated by Signature points may be redeemed only through the Agency designated by interpreting this arbitration provision in the broadest way the law will allow it to interpreting this arbitration provision in the broadest way the law will allow it to interpreting this arbitration provision in the broadest way the law will allow it to interpreting this arbitration provision in the broadest way the law will allow it to interpreting this arbitration provision in the broadest way the law will allow it to
                                                                                                          conflict with the Administrator�s rules and procedures. Discovery procedures conflict with the Administrator�s rules and procedures. Discovery procedures conflict with the Administrator�s rules and procedures. Discovery procedures conflict with the Administrator�s rules and procedures. Discovery procedures conflict with the Administrator�s rules and procedures. Discovery procedures � � � � � Description of problem: If you think there is an error on your bill, describe Description of problem: If you think there is an error on your bill, describe Description of problem: If you think there is an error on your bill, describe Description of problem: If you think there is an error on your bill, describe Description of problem: If you think there is an error on your bill, describe Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                     so long as the dispute remains in the small claims court and is an individual (non- so long as the dispute remains in the small claims court and is an individual (non- so long as the dispute remains in the small claims court and is an individual (non- so long as the dispute remains in the small claims court and is an individual (non- so long as the dispute remains in the small claims court and is an individual (non- 2. You must have used your credit card for the purchase.  2. You must have used your credit card for the purchase.  2. You must have used your credit card for the purchase.  2. You must have used your credit card for the purchase.  2. You must have used your credit card for the purchase. 
   us. Visa Signature points have no cash value. They are not redeemable for us. Visa Signature points have no cash value. They are not redeemable for us. Visa Signature points have no cash value. They are not redeemable for us. Visa Signature points have no cash value. They are not redeemable for us. Visa Signature points have no cash value. They are not redeemable for be enforced. be enforced. be enforced. be enforced. be enforced.
                                                                                                          available to parties will be limited by the Administrator�s rules and procedures. available to parties will be limited by the Administrator�s rules and procedures. available to parties will be limited by the Administrator�s rules and procedures. available to parties will be limited by the Administrator�s rules and procedures. available to parties will be limited by the Administrator�s rules and procedures. what you believe is wrong and why you believe it is a mistake. what you believe is wrong and why you believe it is a mistake. what you believe is wrong and why you believe it is a mistake. what you believe is wrong and why you believe it is a mistake. what you believe is wrong and why you believe it is a mistake. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                     class, non-representative) Claim. If a Claim asserted in small claims court is class, non-representative) Claim. If a Claim asserted in small claims court is class, non-representative) Claim. If a Claim asserted in small claims court is class, non-representative) Claim. If a Claim asserted in small claims court is class, non-representative) Claim. If a Claim asserted in small claims court is 3. You must not yet have fully paid for the purchase. 3. You must not yet have fully paid for the purchase. 3. You must not yet have fully paid for the purchase. 3. You must not yet have fully paid for the purchase. 3. You must not yet have fully paid for the purchase.
   cash, cannot be bought or sold, nor can they be used as payment for any cash, cannot be bought or sold, nor can they be used as payment for any cash, cannot be bought or sold, nor can they be used as payment for any cash, cannot be bought or sold, nor can they be used as payment for any cash, cannot be bought or sold, nor can they be used as payment for any Initiation of Arbitration. Initiation of Arbitration. Initiation of Arbitration. Initiation of Arbitration. Initiation of Arbitration. The party electing arbitration must use the arbitration The party electing arbitration must use the arbitration The party electing arbitration must use the arbitration The party electing arbitration must use the arbitration The party electing arbitration must use the arbitration
                                     transferred or appealed to a different court, either you or we may then elect transferred or appealed to a different court, either you or we may then elect transferred or appealed to a different court, either you or we may then elect transferred or appealed to a different court, either you or we may then elect transferred or appealed to a different court, either you or we may then elect The arbitrator will apply applicable substantive law consistent with the FAA and The arbitrator will apply applicable substantive law consistent with the FAA and The arbitrator will apply applicable substantive law consistent with the FAA and The arbitrator will apply applicable substantive law consistent with the FAA and The arbitrator will apply applicable substantive law consistent with the FAA and You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Assignme Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Assignme Assignme nt  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 nt  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 nt  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                                                                If all of the criteria above are met and you are still dissatisfied with the purchase, If all of the criteria above are met and you are still dissatisfied with the purchase, If all of the criteria above are met and you are still dissatisfied with the purchase, If all of the criteria above are met and you are still dissatisfied with the purchase, If all of the criteria above are met and you are still dissatisfied with the purchase,
   obligation you owe to us.  obligation you owe to us.  obligation you owe to us.  obligation you owe to us.  obligation you owe to us.                                                                           Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                        administrator shown below and follow its rules and procedures, except as administrator shown below and follow its rules and procedures, except as administrator shown below and follow its rules and procedures, except as administrator shown below and follow its rules and procedures, except as administrator shown below and follow its rules and procedures, except as
                                     mandatory,  mandatory,  mandatory,  mandatory,  mandatory,  binding  binding  binding  binding  binding  arbitration  arbitration  arbitration  arbitration  arbitration  pursuant  pursuant  pursuant  pursuant  pursuant  to  to  to  to  to  this  this  this  this  this  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision.  Provision.  Provision.  Provision.  Provision.  This This This This This applicable statutes of limitations and honor legally recognized claims of privilege. applicable statutes of limitations and honor legally recognized claims of privilege. applicable statutes of limitations and honor legally recognized claims of privilege. applicable statutes of limitations and honor legally recognized claims of privilege. applicable statutes of limitations and honor legally recognized claims of privilege. � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement.
                                                                                                                                                                                contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101- Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   Provision of Travel Services. The Agency will provide travel agency services Provision of Travel Services. The Agency will provide travel agency services Provision of Travel Services. The Agency will provide travel agency services Provision of Travel Services. The Agency will provide travel agency services Provision of Travel Services. The Agency will provide travel agency services otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules, otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules, otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules, otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules, otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules,
                                     Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  is  is  is  is  is  made  made  made  made  made  pursuant  pursuant  pursuant  pursuant  pursuant  to  to  to  to  to  a  a  a  a  a  transaction  transaction  transaction  transaction  transaction  involving  involving  involving  involving  involving  interstate interstate interstate interstate interstate The arbitrator will have the power to award any damages or other relief that The arbitrator will have the power to award any damages or other relief that The arbitrator will have the power to award any damages or other relief that The arbitrator will have the power to award any damages or other relief that The arbitrator will have the power to award any damages or other relief that � � � � � At least 3 business days before an automated payment is scheduled, if you At least 3 business days before an automated payment is scheduled, if you At least 3 business days before an automated payment is scheduled, if you At least 3 business days before an automated payment is scheduled, if you At least 3 business days before an automated payment is scheduled, if you
                                                                                                                                                                                1545.  1545.  1545.  1545.  1545.  You  You  You  You  You  may  may  may  may  may  also  also  also  also  also  contact  contact  contact  contact  contact  us  us  us  us  us  by  by  by  by  by  going  going  going  going  going  to  to  to  to  to  www.firsttennessee.com  www.firsttennessee.com  www.firsttennessee.com  www.firsttennessee.com  www.firsttennessee.com  and and and and and Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   directly to Visa Signature cardholders. Those services include describing the directly to Visa Signature cardholders. Those services include describing the directly to Visa Signature cardholders. Those services include describing the directly to Visa Signature cardholders. Those services include describing the directly to Visa Signature cardholders. Those services include describing the procedures, forms, and related information, including information about how to procedures, forms, and related information, including information about how to procedures, forms, and related information, including information about how to procedures, forms, and related information, including information about how to procedures, forms, and related information, including information about how to
                                     commerce and shall be governed by and enforceable under the Federal Arbitration commerce and shall be governed by and enforceable under the Federal Arbitration commerce and shall be governed by and enforceable under the Federal Arbitration commerce and shall be governed by and enforceable under the Federal Arbitration commerce and shall be governed by and enforceable under the Federal Arbitration would be available in court and are permitted under the terms and conditions of would be available in court and are permitted under the terms and conditions of would be available in court and are permitted under the terms and conditions of would be available in court and are permitted under the terms and conditions of would be available in court and are permitted under the terms and conditions of want to stop payment on the amount you think is wrong. want to stop payment on the amount you think is wrong. want to stop payment on the amount you think is wrong. want to stop payment on the amount you think is wrong. want to stop payment on the amount you think is wrong.
                                                                                                                                                                                submitting a transaction dispute. While we investigate, the same rules apply to the submitting a transaction dispute. While we investigate, the same rules apply to the submitting a transaction dispute. While we investigate, the same rules apply to the submitting a transaction dispute. While we investigate, the same rules apply to the submitting a transaction dispute. While we investigate, the same rules apply to the Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   flights available for the amount of points you are redeeming, assisting in ticket flights available for the amount of points you are redeeming, assisting in ticket flights available for the amount of points you are redeeming, assisting in ticket flights available for the amount of points you are redeeming, assisting in ticket flights available for the amount of points you are redeeming, assisting in ticket file a Claim, may be obtained by contacting the Administrator as follows: file a Claim, may be obtained by contacting the Administrator as follows: file a Claim, may be obtained by contacting the Administrator as follows: file a Claim, may be obtained by contacting the Administrator as follows: file a Claim, may be obtained by contacting the Administrator as follows:
                                     Act (the FAA). Act (the FAA). Act (the FAA). Act (the FAA). Act (the FAA). this Agreement, but only with respect to the named parties and the Claims being this Agreement, but only with respect to the named parties and the Claims being this Agreement, but only with respect to the named parties and the Claims being this Agreement, but only with respect to the named parties and the Claims being this Agreement, but only with respect to the named parties and the Claims being You must notify us of any potential errors in writing (or electronically). You may You must notify us of any potential errors in writing (or electronically). You may You must notify us of any potential errors in writing (or electronically). You may You must notify us of any potential errors in writing (or electronically). You may You must notify us of any potential errors in writing (or electronically). You may Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liab Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ility for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                                                                                                                disputed amount as discussed above.  disputed amount as discussed above.  disputed amount as discussed above.  disputed amount as discussed above.  disputed amount as discussed above. 
   selection, making reservations for available flights offered by participating selection, making reservations for available flights offered by participating selection, making reservations for available flights offered by participating selection, making reservations for available flights offered by participating selection, making reservations for available flights offered by participating American Arbitration Association American Arbitration Association American Arbitration Association American Arbitration Association American Arbitration Association arbitrated.  The arbitrator and this Arbitration Provision will not be subject to arbitrated.  The arbitrator and this Arbitration Provision will not be subject to arbitrated.  The arbitrator and this Arbitration Provision will not be subject to arbitrated.  The arbitrator and this Arbitration Provision will not be subject to arbitrated.  The arbitrator and this Arbitration Provision will not be subject to call us, but if you do we are not required to investigate any potential errors; and call us, but if you do we are not required to investigate any potential errors; and call us, but if you do we are not required to investigate any potential errors; and call us, but if you do we are not required to investigate any potential errors; and call us, but if you do we are not required to investigate any potential errors; and Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Visa Signature Points Program  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                     Definitions for Arbitration Provision. Definitions for Arbitration Provision. Definitions for Arbitration Provision. Definitions for Arbitration Provision. Definitions for Arbitration Provision. As used in this Arbitration Provision, the As used in this Arbitration Provision, the As used in this Arbitration Provision, the As used in this Arbitration Provision, the As used in this Arbitration Provision, the After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we
   airlines, and issuing and delivering tickets you have purchased. The Agency airlines, and issuing and delivering tickets you have purchased. The Agency airlines, and issuing and delivering tickets you have purchased. The Agency airlines, and issuing and delivering tickets you have purchased. The Agency airlines, and issuing and delivering tickets you have purchased. The Agency federal, state, or local rules of procedure and evidence applicable to lawsuits or federal, state, or local rules of procedure and evidence applicable to lawsuits or federal, state, or local rules of procedure and evidence applicable to lawsuits or federal, state, or local rules of procedure and evidence applicable to lawsuits or federal, state, or local rules of procedure and evidence applicable to lawsuits or Awarding Points Awarding Points Awarding Points Awarding Points Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
                                                                                   Case Filing Services Case Filing Services Case Filing Services Case Filing Services Case Filing Services
                                     following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us mean following terms have the following definitions. The words we, our, and us mean you may have to pay the amount in question. you may have to pay the amount in question. you may have to pay the amount in question. you may have to pay the amount in question. you may have to pay the amount in question.
                                                                                                                                                                                think you owe an amount and you do not pay, we may report you as delinquent. think you owe an amount and you do not pay, we may report you as delinquent. think you owe an amount and you do not pay, we may report you as delinquent. think you owe an amount and you do not pay, we may report you as delinquent. think you owe an amount and you do not pay, we may report you as delinquent. Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
   will report to us the points you have redeemed, and we will subtract them from will report to us the points you have redeemed, and we will subtract them from will report to us the points you have redeemed, and we will subtract them from will report to us the points you have redeemed, and we will subtract them from will report to us the points you have redeemed, and we will subtract them from 1101 Laurel Oak Road, Suite 100 1101 Laurel Oak Road, Suite 100 1101 Laurel Oak Road, Suite 100 1101 Laurel Oak Road, Suite 100 1101 Laurel Oak Road, Suite 100 to state or local laws relating to arbitration. Either party may choose to have an to state or local laws relating to arbitration. Either party may choose to have an to state or local laws relating to arbitration. Either party may choose to have an to state or local laws relating to arbitration. Either party may choose to have an to state or local laws relating to arbitration. Either party may choose to have an
                                     First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First First  Tennessee  Bank  National  Association  (which  also  is  branded  as  First What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Provision of Travel Services Provision of Travel Services Provision of Travel Services Provision of Travel Services Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
   your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the your  Visa  Signature  points  balance.  We  disclaim  any  responsibility  in  the Voorhees, NJ  08043 Voorhees, NJ  08043 Voorhees, NJ  08043 Voorhees, NJ  08043 Voorhees, NJ  08043 arbitration hearing and to be represented by counsel. An arbitration hearing may arbitration hearing and to be represented by counsel. An arbitration hearing may arbitration hearing and to be represented by counsel. An arbitration hearing may arbitration hearing and to be represented by counsel. An arbitration hearing may arbitration hearing and to be represented by counsel. An arbitration hearing may
                                     Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and Horizon),  its  parent  company,  and  their  direct  and  indirect  subsidiaries  and When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9 Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9 Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9 Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9 Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
   provision of services by the Agency, or for services provided by the airline you provision of services by the Agency, or for services provided by the airline you provision of services by the Agency, or for services provided by the airline you provision of services by the Agency, or for services provided by the airline you provision of services by the Agency, or for services provided by the airline you Toll free number:  877-495-4185 Toll free number:  877-495-4185 Toll free number:  877-495-4185 Toll free number:  877-495-4185 Toll free number:  877-495-4185 be conducted by telephone if the parties agree. Any participatory arbitration be conducted by telephone if the parties agree. Any participatory arbitration be conducted by telephone if the parties agree. Any participatory arbitration be conducted by telephone if the parties agree. Any participatory arbitration be conducted by telephone if the parties agree. Any participatory arbitration
                                     affiliates,  together  with  their  employees,  officers,  directors,  successors,  and affiliates,  together  with  their  employees,  officers,  directors,  successors,  and affiliates,  together  with  their  employees,  officers,  directors,  successors,  and affiliates,  together  with  their  employees,  officers,  directors,  successors,  and affiliates,  together  with  their  employees,  officers,  directors,  successors,  and 1. Within 30 days of receiving your letter, we must tell you that we received your 1. Within 30 days of receiving your letter, we must tell you that we received your 1. Within 30 days of receiving your letter, we must tell you that we received your 1. Within 30 days of receiving your letter, we must tell you that we received your 1. Within 30 days of receiving your letter, we must tell you that we received your Termination and Modification Termination and Modification Termination and Modification Termination and Modification Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
   have selected. Our only responsibility in this regard is to provide correct have selected. Our only responsibility in this regard is to provide correct have selected. Our only responsibility in this regard is to provide correct have selected. Our only responsibility in this regard is to provide correct have selected. Our only responsibility in this regard is to provide correct http://www.adr.org http://www.adr.org http://www.adr.org http://www.adr.org http://www.adr.org hearing that you attend in person will occur at a place designated by the hearing that you attend in person will occur at a place designated by the hearing that you attend in person will occur at a place designated by the hearing that you attend in person will occur at a place designated by the hearing that you attend in person will occur at a place designated by the ARBITRATION ARBITRATION ARBITRATION ARBITRATION ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
                                                                                                                                                                                                                   BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
                  8                                                     9 8                                                     9 8                                                     9 8                                                     9 8                                                     9 10 10 10 10 10 11 11 11 11 11 12 12 12 12 12 M-112013 13 13 13 13 13
  Agreement and Definitions. Agreement and Definitions. Agreement and Definitions. Agreement and Definitions. Agreement and Definitions. Agreement and Definitions. Agreement and Definitions. This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing This Cardholder Agreement, the folder containing (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly (Variable) Rates� provision or upon amendment of this Agreement, the monthly Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer card via a Visa Money Transfer under which you or a third party may transfer balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to balances and divide the total by the number of days in the billing cycle to Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us Security Interest. Collateral furnished to secure any other credit you may owe us card  card  card  card  card  card  card  transactions  transactions  transactions  transactions  transactions  transactions  transactions  on  on  on  on  on  on  on  your  your  your  your  your  your  your  credit  credit  credit  credit  credit  credit  credit  card  card  card  card  card  card  card  account,  account,  account,  account,  account,  account,  account,  subject  subject  subject  subject  subject  subject  subject  to  to  to  to  to  to  to  a  a  a  a  a  a  a  very  very  very  very  very  very  very  few few few few few few few
  your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the your card including the Account Opening Disclosure Table on the back of the periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest periodic rates and corresponding APRs used to compute the periodic interest If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum If your account has balances with different APRs, we will allocate your minimum funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds funds to you.  Funds will appear on the statement as a �Visa Transfer�, but funds determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this determine  the  average  daily  balance  for  Purchases.  We  then  multiply  this may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your may also secure this account. However, if collateral securing other credit is your exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the exceptions. Instead, if the merchant grants your request for a refund, it is the
  folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this folder, changes and notices of changes we make to your account and/or this charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for charges on your account will be variable rates which may increase or decrease for payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher payments to balances subject to lower APRs before balances subject to higher will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days will be treated as a non-proper payment to your account within 2 business days average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to average daily balance by the monthly periodic rate that applies to Purchases to personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that personal residence, we waive any claim we might otherwise have to treat that merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit merchant�s responsibility to send a credit through Visa so that we can credit
  agreement as provided herein, agreement as provided herein, agreement as provided herein, agreement as provided herein, agreement as provided herein, agreement as provided herein, agreement as provided herein, the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your the Visa Signature Guidelines included on your each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  each new billing cycle based on changes in the U.S. Prime Rate published in  The The The The The The The APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in APRs. If you make more than the minimum payment, we will allocate amounts in of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by of receipt.   We have the right to refuse/return a transfer restricted/prohibited by determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. determine the amount of your periodic interest charge on Purchases. property as collateral for this account. property as collateral for this account. property as collateral for this account. property as collateral for this account. property as collateral for this account. property as collateral for this account. property as collateral for this account. your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the your account. You should retain your copy of the credit slip prepared by the
  application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, application and published and periodically updated at www.firsttennessee.com, The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and The Wall Street Journal (�Prime�). Your corresponding APRs, divided by 12 and excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before excess of the minimum payment to balances subject to higher APRs before applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. applicable federal, state or local law or by this Agreement. Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Balance Transfer Balance. To determine this average daily balance, we (a) start Account Use by Others. Account Use by Others. Account Use by Others. Account Use by Others. Account Use by Others. Account Use by Others. Account Use by Others. Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize Think carefully before you lend your card or authorize merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds, merchant. If the merchant discloses a policy limiting or disallowing refunds,
  and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such and all documents bearing your hand-written, electronic or digital signature (such truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly truncated to the next one-thousandth percentage point will be your monthly balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this balances subject to lower APRs, even if, as required by applicable law, this Finance Charges. Finance Charges. Finance Charges. Finance Charges. Finance Charges. Finance Charges. Finance Charges. with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing with the previous Balance Transfer balance at the beginning of each new billing another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s another person to use your card or account. You cannot limit that person�s you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you you will be bound by it. If you make travel or lodging or other reservations, you
  as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other as, but not limited to, any application, convenience check or sales slip) or other periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge periodic rates. Your rates will not exceed the maximum we are allowed to charge allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have allocation results in a loss of any Grace Period for which you may otherwise have Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly Interest Charges. We will impose periodic interest charges based on the monthly cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we authority to use the account, and you cannot terminate such authority (1) until we will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a will be bound by the merchant�s cancellation policy, and you must obtain a
  evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract evidence of indebtedness on the credit card account constitute the contract under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business under applicable law. We will use the value of Prime published on the last business been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, been eligible. This payment allocation method applies to all higher APR balances, periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance periodic rates that apply to Purchase, Balance Transfer and Cash Advance included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day included in that balance; (b) determine the Balance Transfer balance for each day receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. receive notice of revocation; and (2) until you recover possession of the card. cancellation  cancellation  cancellation  cancellation  cancellation  cancellation  cancellation  code  code  code  code  code  code  code  from  from  from  from  from  from  from  the  the  the  the  the  the  the  merchant  merchant  merchant  merchant  merchant  merchant  merchant  to  to  to  to  to  to  to  avoid  avoid  avoid  avoid  avoid  avoid  avoid  or  or  or  or  or  or  or  limit  limit  limit  limit  limit  limit  limit  any  any  any  any  any  any  any  charges  charges  charges  charges  charges  charges  charges  in in in in in in in
  governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and governing your credit card account (the �Agreement�). The words �you� and day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs day of each calendar month (the Determination Date) in order to calculate you APRs including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  including transactions subject to higher APRs posted since your last statement.  average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all average daily balances. Periodic interest charges will begin to accrue on all of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the of the billing cycle by subtracting any payments and credits applied to the accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to accordance with that policy. If you give a merchant continuing authority to
                                                                                                                                                                                Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account, Notices. If we have to notify you of anything concerning your credit card account,
  �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has �your� refer to each person jointly and severally (if more than one) who has in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the in effect from the first day through the last day of your billing cycle ending in the New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly New Balance. The details and amount of your New Balance for each monthly average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your average daily balances from the date that transactions are posted to your Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the Balance Transfer balance and by adding new Balance Transfers; and (c) at the charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when charge your account for repeat charges, you must notify the merchant when
                                                                                                                                                                                the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear the notice will be effective if we send it to your name and address as they appear
  applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� applied for or otherwise agreed to be responsible for the account. The words �we,� calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is calendar month following the Determination Date.  If more than one Prime rate is billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account billing cycle will appear on your billing statement in the Summary of Account account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period account, except for Purchase transactions that may be eligible for a grace period end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the end of the billing cycle, add these daily balances and divide the total by the you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such you wish to revoke that authorization. If the merchant continues to initiate such
                                                                                                                                                                                in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us in our records or you receive such notice by any other means. You will notify us
  �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is �our,� and �us� mean First Tennessee Bank National Association (which also is published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your published on the Determination Date, we will use the highest. An increase in your Activity section. Activity section. Activity section. Activity section. Activity section. Activity section. Activity section. (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  (see Paying Interest section of this Agreement).  number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for number of days in the billing cycle to determine the average daily balance for charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly charges, to preserve your billing rights you must continue to notify us promptly
                                                                                                                                                                                in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or in writing immediately if you change your name, address, telephone number or
  branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized branded as �First Horizon�), and its successors, assigns, agents and/or authorized rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly rates will increase your interest charges and may increase you minimum monthly every time your billing statement reflects a new charge. every time your billing statement reflects a new charge. every time your billing statement reflects a new charge. every time your billing statement reflects a new charge. every time your billing statement reflects a new charge. every time your billing statement reflects a new charge. every time your billing statement reflects a new charge.
                                                                        Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any time,  Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any Minimum Payment Calculation. You may pay all or part of your balance at any If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner If  the  periodic  interest  charge  calculated  for  a  billing  cycle  in  the  manner Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly Balance Transfers. We then multiply this average daily balance by the monthly other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to other pertinent contact information. If you write to us for any reason other than to
  representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the representatives. The word �card� means each Visa Signature card issued on the payment. payment. payment. payment. payment. payment. payment.
                                                                        time, but each month you must pay at least the Minimum Payment Due shown on time, but each month you must pay at least the Minimum Payment Due shown on time, but each month you must pay at least the Minimum Payment Due shown on but each month you must pay at least the Minimum Payment Due shown on the  time, but each month you must pay at least the Minimum Payment Due shown on time, but each month you must pay at least the Minimum Payment Due shown on time, but each month you must pay at least the Minimum Payment Due shown on time, but each month you must pay at least the Minimum Payment Due shown on described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but described in the Calculating Average Daily Balances section is less than $.50 but periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your periodic rate that applies to Balance Transfers to determine the amount of your make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, make a payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, Assignment. Assignment. Assignment. Assignment. Assignment. Assignment. Assignment. We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement, We may assign any or all of our rights under this Agreement,
  account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent account. The card is our property, and you agree to surrender it to us or our agent Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the Your APRs on Purchases, Balance Transfers and Cash Advances will equal the the billing statement. If your New Balance is $25.00 or less, the Minimum Payment the billing statement. If your New Balance is $25.00 or less, the Minimum Payment the billing statement. If your New Balance is $25.00 or less, the Minimum Payment billing statement.  If your New Balance is $25.00 or less, the Minimum Payment  the billing statement. If your New Balance is $25.00 or less, the Minimum Payment the billing statement. If your New Balance is $25.00 or less, the Minimum Payment the billing statement. If your New Balance is $25.00 or less, the Minimum Payment the billing statement. If your New Balance is $25.00 or less, the Minimum Payment more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any more than $.00, we will impose a $.50 minimum charge (in addition to any periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. periodic interest charge on Balance Transfers. TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives TN 38101-1545. If you are one of our Banking Online customers who receives including any debt you owe us. including any debt you owe us. including any debt you owe us. including any debt you owe us. including any debt you owe us. including any debt you owe us. including any debt you owe us.
  upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account upon request. This Agreement is binding on you unless you cancel your account sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points sum of Prime plus a margin (�Margin�). Margin means the percentage points Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full.  Otherwise, the Minimum Payment Due will be  Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be Due will be the New Balance in full. Otherwise, the Minimum Payment Due will be applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown applicable Cash Advance Fee(s)). The amount of interest charged will be shown Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start Cash Advance Balance. To determine this average daily balance, we (a) start notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department notices or statements electronically, you will notify our Banking Online Department Captions. Captions. Captions. Captions. Captions. Captions. Captions. Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to Captions used in this Agreement are intended solely as aids to
  within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use within 30 days after receiving the card and you have not used or authorized use added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs added to the Prime Rate to calculate the APR. Your Margins, corresponding APRs the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New  the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New the total of (1) the greatest of (a) 2.5% of your New Balance, (b) 1% of your New on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when on your billing statement in the Interest Charged section; except that, when with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing with the previous Cash Advance balance at the beginning of each new billing if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking if you change your e-mail address by following the instructions in your Banking convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement. convenient reference and do not affect the interpretation of this Agreement.
  of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and of your account. This card is available only to individuals for consumer use and and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances and monthly periodic rates for Purchases, Balance Transfers and Cash Advances Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over  Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over Balance, plus interest charges assessed in the current billing cycle, (c) any over imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your imposed, the minimum charge will appear in the Fees Charged section of your cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were cycle and subtract any unpaid interest charge and unpaid fees which were Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how Online Agreement. Additionally, if you become aware of an error regarding how
  will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited will not be issued to sole proprietorships, corporations, partnerships or limited Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS Applicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS
                                     are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account are shown on the enclosed folder containing your card which includes the Account limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount in the current cycle, or (d) $25.00; plus (2) net fees (excluding Cash  limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and limit amount, or (d) $25.00; plus (2) net fees (excluding Cash Advance and statement. statement. statement. statement. statement. statement. statement. included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day included in that balance; (b) determine the Cash Advance balance for each day activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard activity on this account appears on a credit report, please write us at BankCard
  liability companies. liability companies. liability companies. liability companies. liability companies. liability companies. liability companies.                                                               AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL
                                     Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Opening Disclosure Table on the back of the folder.  Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Advance and Currency Conversion Fees) in excess of $0 assessed in the current  Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Currency Conversion Fees) in excess of $0 assessed in the current billing cycle; Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency Foreign Currency Transactions. If a transaction on the account is in a currency of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the of the monthly billing cycle by subtracting payments and credits applied to the Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. Center, P.O. Box 1545, Memphis, TN 38101-1545. LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights
  Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Changes In Terms. You consent and agree that at any time we may add, delete, Promise to Pay. Promise to Pay. Promise to Pay. Promise to Pay. Promise to Pay. Promise to Pay. Promise to Pay. You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this You promise to pay us, in accordance with the terms of this plus (3) all amounts past due plus (3) all amounts past due plus (3) all amounts past due billing cycle; plus (3) all amounts past due. plus (3) all amounts past due plus (3) all amounts past due plus (3) all amounts past due plus (3) all amounts past due and/or over limit, as applicable. and/or over limit, as applicable. and/or over limit, as applicable. and/or over limit, as applicable. and/or over limit, as applicable. and/or over limit, as applicable. and/or over limit, as applicable. other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether other than U.S. Dollars, Visa will convert the amount of the transaction (whether Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Cash Advance balance and adding new Cash Advances; and (c) at the end of the Default/Entire Balance Due. Default/Entire Balance Due. Default/Entire Balance Due. Default/Entire Balance Due. Default/Entire Balance Due. Default/Entire Balance Due. Default/Entire Balance Due. You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the You will be in default if you fail to pay at least the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the under this Agreement any number of times without waiving our rights in the
  remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including remove, amend, or change any terms and conditions of this Agreement, including Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Agreement, for all transactions on your account, plus all interest, finance charges Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, Form of Payments. Do not send cash by mail. If you pay by check or money order, a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules a purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days billing cycle, add these daily balances and divide the total by the number of days minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other minimum payment shown on the billing statement, or fail to comply with any other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other future. If any term of this Agreement is found to be unenforceable, all other
  but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such but not limited to the Annual Percentage Rate (APR), fees or other terms. Such and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the and other charges, fees and expenses incurred on or in connection with the the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a the check or money order must be in U.S. Dollars drawn on funds on deposit in a then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the then in effect. Currently, Visa rules provide that the exchange rate between the in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We in the billing cycle to determine the average daily balance for Cash Advances. We term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your term of this Agreement or any other agreement with us, or in the event of your provisions remain in full force and effect. provisions remain in full force and effect. provisions remain in full force and effect. provisions remain in full force and effect. provisions remain in full force and effect. provisions remain in full force and effect. provisions remain in full force and effect.
  amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed amendments may apply to the unpaid balance and to new transactions, as allowed account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for account. You will be individually and, if applicable, jointly and severally liable for federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, federally-insured U.S. depository institution. However, we may, at our option, transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international transaction currency and the billing currency used for processing international then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies then multiply this average daily balance by the monthly periodic rate that applies bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can bankruptcy, death, fraud or misrepresentation. If you are in default, we can
  by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this by applicable law. Reasons we may change the terms and conditions of this Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal Illegal Transactions. You agree not to make or permit to be made any illegal
                                     the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized the total balance, whether the charges are made by you or by a person authorized accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and accept checks or money orders drawn on non-U.S. banks and impose service and transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in transactions will be a rate selected by Visa from the range of rates available in to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on to Cash Advances to determine the amount of your periodic interest charge on demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then demand immediate payment of the entire balance and all fees and charges then
  Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, Agreement include, but are not limited to, risks associated with your account, transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access transactions on the account through use of the card, any other account access
                                     by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign by you in any way to use your account in any way. You cannot transfer or assign collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a collection charges on your account for processing such items. When you send a wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which wholesale currency markets for the applicable central processing date (which Cash Advances. Cash Advances. Cash Advances. Cash Advances. Cash Advances. Cash Advances. Cash Advances. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law. owing on the account, as allowed under applicable law.
  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  economic  and  market  conditions  and  trends,  product  parameters,  and  our and  our and  our and  our and  our and  our and  our device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to, device issued by us, or in any other manner. We may, but are not required to,
                                     the account to another person. the account to another person. the account to another person. the account to another person. the account to another person. the account to another person. the account to another person. personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the personal check to the BankCard Center, we may initiate an electronic debit for the rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate rate may vary from the rate Visa itself receives) or the government mandated rate Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
  business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will business needs and considerations. If we make such amendments, you will Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at Non-default Termination or Suspension. You may terminate account privileges at deny  deny  deny  deny  deny  deny  deny  authorization  authorization  authorization  authorization  authorization  authorization  authorization  for  for  for  for  for  for  for  any  any  any  any  any  any  any  internet  internet  internet  internet  internet  internet  internet  gambling  gambling  gambling  gambling  gambling  gambling  gambling  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  any  any  any  any  any  any  any  internet internet internet internet internet internet internet
                                     Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We Credit Limit. Your initial credit limit appears on the folder containing your card. We amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the amount of your check to your account at the financial institution on which the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the in effect for the applicable central processing date. You agree to accept the Annual Fee. $75 Annual Fee. $75 Annual Fee. $75 Annual Fee. $75 Annual Fee. $75 Annual Fee. $75 Annual Fee. $75
  receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement receive advance notice and a right to opt out, as may be required by the Agreement any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account any time by notifying us in writing. We may terminate or suspend account purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that purchase of tobacco products, or any other illegal transactions. You agree that
                                     may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing may increase or decrease your credit limit at any time. Each of your billing check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the check  was  written.  Your  payment  will  appear  as  an  electronic  debit  on  the converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount converted  amount.  We  will  charge  you  three  percent  (3%)  of  the  amount
  and applicable law.  and applicable law.  and applicable law.  and applicable law.  and applicable law.  and applicable law.  and applicable law.  Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the privileges at any time without prior notice unless required by applicable law. In the illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or illegal use of the card or the account will be deemed an action of default and/or
                                     statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statements will reflect your credit limit in effect as of the date of the statement. You statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the statement for the account from which you made payment and will include the calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee calculated by Visa as a Currency Conversion Fee. Each Currency Conversion Fee annual income of $35,000. annual income of $35,000. annual income of $35,000. annual income of $35,000. annual income of $35,000. annual income of $35,000. annual income of $35,000. event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the event of any termination or suspension, you will immediately stop using the breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services breach of contract and, in such event, the account and other related services
  Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which Using Your Account. In addition to the card, we may furnish you checks which agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your agree not to conduct any transaction that would cause the total balance of your name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment name of the payee �BankCard Center�, the check number and the payment will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total will be itemized in the Transactions section on your billing statement. The total
  can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we can be used to access your account. You agree to use checks only in the form we Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain account, and you will return or destroy the card upon request. You will remain may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use may be terminated at our discretion. You further agree that should illegal use
                                     account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions account to exceed your credit limit. We may honor, at our discretion, transactions amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount. We can (but are not required to) accept late payments, partial payments, amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing amount  of  any  Currency  Conversion  Fee(s)  will  be  shown  on  your  billing
                                                                                                                                              Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or Cash Advance. However, the fee will not be less than $10 per transaction or obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the obligated to pay the account balance and all fees and charges according to the occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly occur, you waive any right to sue us for such illegal use or any activity directly
  furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment furnish and according to any instructions we give you. You cannot stop payment which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your which exceed your credit limit. You agree to pay any amount that exceeds your payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or payments marked or accompanied by �payment in full� or similar language, or statement in the Fees Charged section. statement in the Fees Charged section. statement in the Fees Charged section. statement in the Fees Charged section. statement in the Fees Charged section. statement in the Fees Charged section. statement in the Fees Charged section.
                                                                                                                                              more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash more than the amount allowed by applicable law or regulation. Each Cash terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. terms of this Agreement or as otherwise agreed between us. or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from or indirectly related to it, and you agree to indemnify and hold us harmless from
  on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase on checks used to access the account. You may use your account to purchase credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the credit limit immediately upon request. Without additional notice we may limit the payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this payments which are otherwise improper without losing any of our rights under this Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest:
  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  goods and services and to get Cash Advances.  Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Advance  Fee  will  be  itemized  in  the  Transactions  section  on  your  billing Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative Credit Information. You authorize us to make credit, employment and investigative any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use. any suits, legal action, or liability directly resulting from such illegal use.
                                     number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for number  or  dollar  amount  of  account  transactions,  and/or  authorizations  for Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Agreement, including our right to require payment of the entire balance. Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will Grace Period for Purchases. You will have a grace period during which we will statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your statement. The total amount of any Cash Advance Fee(s) will be shown on your inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until inquiries about you from time to time to credit reporting agencies and others until Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check)
  Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and Cash Advances include cash obtained from participating financial institutions and transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. transactions, within your credit limit for security or other reasons. Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other Payment Processing. Payments accompanied by the payment coupon or other not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the not impose an interest charge on Purchases if you pay your New Balance by the billing statement in the Fees Charged section. billing statement in the Fees Charged section. billing statement in the Fees Charged section. billing statement in the Fees Charged section. billing statement in the Fees Charged section. billing statement in the Fees Charged section. billing statement in the Fees Charged section. the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also the Agreement is terminated and the account balance is paid in full. You also is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without is lost or stolen or if you think someone used or may use your account without
  ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent ATMs, transactions using checks to access your account, and cash-equivalent Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each We will send or make available a billing statement for each We will send or make available a billing statement for each We will send or make available a billing statement for each We will send or make available a billing statement for each We will send or make available a billing statement for each We will send or make available a billing statement for each information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. information adequate to identify the appropriate account are proper payments. Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we Payment Due Date shown on the billing statement each month. Otherwise, we
                                                                                                                                              Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not Returned Payment Fee. When a check or other payment on your account is not promise to provide current financial information upon our request. We may repor t promise to provide current financial information upon our request. We may repor t promise to provide current financial information upon our request. We may repor t promise to provide current financial information upon our request. We may report promise to provide current financial information upon our request. We may repor t promise to provide current financial information upon our request. We may repor t promise to provide current financial information upon our request. We may repor t permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or permission, you agree to notify us immediately by calling 1-800-234-2840 or
  transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other transactions (including purchases of travelers� checks, casino chips and other monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is monthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received Proper payments will be applied to your account as of the date received if received will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases.  will impose a periodic interest charge on the average daily balance of Purchases. 
                                                                                                                                              honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, honored, cannot be processed or otherwise cannot be applied to your account, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, information about the account to credit reporting agencies, other creditors, Visa, (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon (901) 818-9250 (Collect) if you are outside the continental United States. Upon
  items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent items which Visa rules, as applicable, designate as cash or cash-equivalent posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. posted to your account or if there is a debit or credit balance of more than $1.00. Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Monday-Friday, excluding federal holidays, by the times shown below: Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance Grace  Period  for  Balance  Transfers.  There  is  no  grace  period  for  Balance we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first we  will  charge  you  a  returned  payment  fee  of  up  to  $25.00  for  the  first and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with and others who may properly receive such information, in accordance with our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or our request, you agree to provide us such written information as we request or
  transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include transactions). The amount of a Cash Advance obtained from an ATM may include The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance The statement will reflect each Purchase, Balance Transfer or Cash Advance � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101- Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance Transfers. We will impose a periodic interest charge on the average daily balance
  a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. a surcharge imposed by the ATM owner. occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six occurrence and up to $35.00 for any additional occurrences in the following six applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. applicable law and the Privacy Notice contained herein. require to assist our investigation. require to assist our investigation. require to assist our investigation. require to assist our investigation. require to assist our investigation. require to assist our investigation. require to assist our investigation.
                                     transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT 0385 by 5:00 p.m. CT of Balance Transfers. of Balance Transfers. of Balance Transfers. of Balance Transfers. of Balance Transfers. of Balance Transfers. of Balance Transfers. billing cycles.  billing cycles.  billing cycles.  billing cycles.  billing cycles.  billing cycles.  billing cycles.  Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Promotions. From time to time, we may offer you temporary promotional terms. Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use Liability for Unauthorized Use. You will not be liable for any unauthorized use
  Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Purchases are transactions initiated with the card or account for the purchase of Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. Minimum Payment Due, Interest Charges, Fees and other important information. � � � � � � � Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First Payments delivered in person to and processed by an employee at a First
                                                                                                           Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a Cash Advances. There is no grace period for Cash Advances. We will impose a If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional If we do, we will advise you in writing of the scope and duration of the promotional that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized that occurs after you notify us. You may, however, be liable for unauthorized
  goods  goods  goods  goods  goods  goods  goods  or  or  or  or  or  or  or  services  services  services  services  services  services  services  from  from  from  from  from  from  from  participating  participating  participating  participating  participating  participating  participating  merchants  merchants  merchants  merchants  merchants  merchants  merchants  (excluding  (excluding  (excluding  (excluding  (excluding  (excluding  (excluding  cash-equivalent cash-equivalent cash-equivalent cash-equivalent cash-equivalent cash-equivalent cash-equivalent Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Unless you notify us of any alleged errors in accordance with the Billing Rights Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Tennessee financial center, or other First Tennessee location that accepts Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on Late Payment Fee. If we do not receive at least the minimum payment due on
                                                                                                           periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. periodic interest charge on the average daily balance of Cash Advances. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. use that occurs before you notify us.  use that occurs before you notify us.  use that occurs before you notify us.  use that occurs before you notify us.  use that occurs before you notify us.  use that occurs before you notify us.  use that occurs before you notify us. 
  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  transactions) and such other charges we designate as Purchases.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  Notice in this Agreement, we may consider the statement correct for all purposes.  such payments, by close of business at that location such payments, by close of business at that location such payments, by close of business at that location such payments, by close of business at that location such payments, by close of business at that location such payments, by close of business at that location such payments, by close of business at that location your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will your account by the Payment Due Date shown on your billing statement, we will
                                                                                                                                                                                Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements Occasionally, you may be contacted about promotions, credit card enhancements
  Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Only a payment made by us, at your request via our customer service center or Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: � � � � � � � Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Payments made via First Tennessee�s Banking Online website by 8:00 p.m. Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to charge you a late payment fee of up to $25.00 for the first occurrence and up to VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM VISA SIGNATURE POINTS PROGRAM
                                                                           CT CT CT CT CT CT CT            Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the Purchase Balance. To determine this average daily balance, we (a) start with the $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. $35.00 for any additional occurrences in the following six billing cycles. and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to and special products. If you prefer not to receive this information, please write to Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award Awarding Points. On each monthly billing cycle closing date we will award
  our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your our website, to transfer all or part of your balance with another creditor to your Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment Effects of Making Minimum Payments. If you make only the minimum payment
                                                                                                           previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and previous Purchase balance at the beginning of each new billing cycle and us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545. one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new one point to your Visa Signature points account for each net dollar in new
  account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this account with us will be considered and treated as a Balance Transfer under this each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay each billing period, you will pay more in interest and it will take you longer to pay Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Proper  payments  received  on  a  day  that  First  Tennessee  does  not  process Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, Collection Costs and Attorneys� Fees. Except as prohibited by applicable law,
                                                                                                           subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that subtract any unpaid interest charge and unpaid fees which were included in that Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. Please allow sixty (60) days for your request to take effect. purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly purchases posted to your Visa Signature card account during that monthly
  Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is Agreement. Your use of a check used to access your account for any purpose is off your balance. off your balance. off your balance. off your balance. off your balance. off your balance. off your balance. payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business payments or later than the times shown above will be applied the next business you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this you will pay our collection costs and attorneys� fees if you default under this
                                                                                                           balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by balance; (b) determine the Purchase balance for each day of the billing cycle by Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record Telephone Monitoring. You consent and agree that we may monitor and record billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow billing period. However, we reserve the right NOT to award points or allow
  not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. not considered a Balance Transfer under this Agreement. Agreement. Agreement. Agreement. Agreement. Agreement. Agreement. Agreement.
                                     Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and Application of Payments. We will determine, at our discretion, the amount of and day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt. day. Any other payment may not be applied until 5 days after receipt.
                                                                                                           subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by subtracting any payments and credits applied to the Purchase balance and by your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. your telephone calls with our employees or contractors. redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this redemption of points if you are in default under any of the terms of this
  Standard  Standard  Standard  Standard  Standard  Standard  Standard  (Variable)  (Variable)  (Variable)  (Variable)  (Variable)  (Variable)  (Variable)  Rates. Rates. Rates. Rates. Rates. Rates. Rates. Except  Except  Except  Except  Except  Except  Except  as  as  as  as  as  as  as  otherwise  otherwise  otherwise  otherwise  otherwise  otherwise  otherwise  stated  stated  stated  stated  stated  stated  stated  in  in  in  in  in  in  in  this  this  this  this  this  this  this  �Standard �Standard �Standard �Standard �Standard �Standard �Standard order  order  order  order  order  order  order  in  in  in  in  in  in  in  which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance Balance Balance Balance Balance Balance Balance Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit Visa Money Transfer. You have the ability to receive a credit transfer to your credit adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily adding new Purchases; and (c) at the end of the billing cycle, add these daily Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for
                 1 1 1 1 1 1 1                      2 2 2 2 2 2 2                      3 3 3 3 3 3 3                     4 4 4 4 4 4 4                      5 5 5 5 5 5 5                      6                                                      7 6                                                      7 6                                                      7 6                                                      7 6                                                      7 6                                                      7 6                                                      7