PRICING  INFORMATION 
VISA SIGNATURE 
AS OF 4/13 

Variable  Annual  Percentage  Rates  (APRs)  and  corresponding  periodic  rates  for Purchase  and Balance  Transfer  balances: 

Prime*  plus a margin  of 2.25%  - 9.50%  (5.50%  - 12.75%) 

Corresponding monthly  periodic  rates  of (0.4583%  - 1.0625%) 

Variable  Annual  Percentage  Rate  (APR)  and  corresponding  periodic  rate for Cash  Advance  balances 

Prime*  plus a margin  of 11.75%  (15.00%) 

Corresponding monthly  periodic  rate of (1.2500%) 

*APRs  may  increase  or decrease  for each  new  billing  cycle  based  on changes  in the U.S.  Prime  Rate  published  in the “Markets  Lineup” 
section  of The Wall  Street  Journal  (“Prime”).  Each  APR  will equal  the sum  of Prime  plus the applicable  margin  (“Margin”). Margin  means 
the percentage  points  added  to the Prime  Rate  to calculate  the APR. An increase  in your rates  will increase  your  interest  charges  and may 
increase  your minimum  monthly  payment. Your  rates  will not exceed  the maximum  we are allowed  to charge  under  applicable  law. 

Penalty  APR  and  when  it applies:   None 

Paying  Interest: 

Your  due  date  is at least  24 days  after  the close  of each  billing  cycle. 

Purchases  – We will not charge  you interest  on purchases  if you  pay  your n ew balance  by the payment  due  date  shown on your 
statement each month 

Balance Transfers – We will charge you interest on balance transfers from the date of posting. 

Cash  Advances  – We will charge  you interest  on Cash  Advances  from  the date  of posting. 

Minimum  Interest  Charge:   Charged  interest  will be no less  than  $.50. 

Fees: 

Annual  Fee:   $75 

Transaction  Fees: 

Balance  Transfer:  
Cash  Advance:  
Foreign  Transaction:  

$0 
 3% of each  new  Cash  Advance  (not less  than  $10 per  transaction) 
 3% of each  transaction  converted  to US Dollars 

Penalty  Fees: 

Late  Payment:  
Over-the-Credit Limit:  
Returned  Payment:  

Up to  $35 
$0 
Up to $35 

How  we will calculate  your  balance:   We  use a method  called  "average  daily  balance  (including  new  purchases,  balance  transfers  and 
cash  advances)". Calculating  Average  Daily  Balance  – Purchase  Balance.  You will have  a grace  period  during  which  we will not   impose 
an interest  charge  on Purchases  if you  pay  in full your  New  Balance  by the Payment  Due Date  shown  on the  billing  statement  each 
month.  Otherwise,  we will impose  a periodic  interest  charge  on the average  daily  balance  of Purchases.  To determine  this average  daily 
balance,  we (a) start  with the previous  Purchase  balance  at the beginning  of each  new billing  cycle  and  subtract  any  unpaid  interest 
charge  and  unpaid  fees  which  were  included  in that balance;  (b) determine  the Purchase  balance  for each day of the billing  cycle  by 
subtracting  any  payments  and  credits  applied  to the Purchase  balance  and by adding  new  Purchases;  and  (c) at the end of the billing 
cycle,  add  these  daily  balances  and divide  the total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for 
Purchases. We then  multiply  this average  daily  balance  by the monthly  periodic  rate that applies  to Purchases  to determine  the amount of 
your periodic  interest  charge  on Purchases. 
Calculating  Average  Daily  Balance  – Cash  Advance  Balance.  There  is no grace  period  for Cash  Advances.  We will impose  a periodic 
interest  charge  on the average  daily  balance  of Cash  Advances.  To determine  this average  daily  balance,  we (a) start  with the previous 
Cash  Advance  balance  at the beginning  of each  new billing  cycle  and  subtract  any  unpaid  interest  charge  and  unpaid  fees  which  were 
included  in that balance;  (b) determine  the Cash  Advance  balance  for each  day of the monthly  billing  cycle  by subtracting  payments  and 
credits  applied  to the Cash  Advance  balance  and  adding  new Cash  Advances;  and  (c) at the end of the billing  cycle,  add  these  daily 
balances  and divide  the total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for Cash  Advances. We 
then  multiply  this average  daily  balance  by the monthly  periodic  rate that applies  to Cash  Advances.  The  result  is your periodic interest 
charge  on Cash  Advances.

	  
	  
	  
	  
	  
	  
	  
 
	  
	  
	  
	  
	  
	  
	  
Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

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

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

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

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,

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

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

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

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

“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

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,”

“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

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

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

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

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

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

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

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

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

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,

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

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

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

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

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,

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

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

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

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

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

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

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

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

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. 

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

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

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

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

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

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.

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

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

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. 

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

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

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

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

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.

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

(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

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

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

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

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

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

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

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

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

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. 

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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.

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

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

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.

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

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,

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.

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

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. 

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.

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

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

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

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

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

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

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,

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. 

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

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

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

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

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

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

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

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

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

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

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

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

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

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

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;

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;

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

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.

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,

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

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,

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

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

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

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

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

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

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

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,

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

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

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.

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

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.

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

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:

• 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-

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

• 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

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

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

• 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.

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

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

CT

CT

CT

CT

CT

CT

CT

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

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

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

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

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

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.

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

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
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
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
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
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.
Finance Charges.
Finance Charges.
Finance Charges.
Finance Charges.
Finance Charges.
Finance Charges.
Finance Charges.
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
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
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
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
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
(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). 
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
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
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
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
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
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
statement.
statement.
statement.
statement.
statement.
statement.
statement.
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
Paying Interest:
Paying Interest:
Paying Interest:
Paying Interest:
Paying Interest:
Paying Interest:
Paying Interest:
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
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
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
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. 
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
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
of Balance Transfers.
of Balance Transfers.
of Balance Transfers.
of Balance Transfers.
of Balance Transfers.
of Balance Transfers.
of Balance Transfers.
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
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.
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:
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
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
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
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
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
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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

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:

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

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.

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

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

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

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

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

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

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.

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

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,

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

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

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

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

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

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

$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.

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,

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

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

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

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

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

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.

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

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

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

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.

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,

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

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

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

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

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,

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

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

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

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

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

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.

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

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

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

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

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

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.

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

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

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

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

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

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

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.

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

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

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

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

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,

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

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.

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.

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

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.

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

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

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.

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.

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

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.

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

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

card  transactions  on  your  credit  card  account,  subject  to  a  very  few

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

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

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

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,

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

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

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in

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

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

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

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

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.

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,

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.

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to

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.

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

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

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

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

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

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.

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

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

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,

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

deny  authorization  for  any  internet  gambling  transactions,  any  internet

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

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

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

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

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

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

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.

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)

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

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

(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

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

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.

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

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

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. 

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

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

Awarding Travel Points. On each monthly billing cycle closing date we will

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

award one travel point to your Visa Signature points account for each net dollar

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

allow redemption of points if you are in default under any of the terms of this

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Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

Agreement  and  Definitions. This  Cardholder  Agreement,  the  folder  containing

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

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

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

agreement  as  provided  herein, the  Visa  Signature  Guidelines  included  on  your

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,

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

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

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

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

“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

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,”

“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

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

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

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

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

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

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

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

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

liability companies.

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,

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

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

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

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

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,

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

economic  and  market  conditions  and  trends,  product  parameters,  and  our

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

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

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

and applicable law. 

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

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

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

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

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. 

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

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

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

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

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

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.

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

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

goods  or  services  from  participating  merchants  (excluding  cash-equivalent

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. 

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

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

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

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

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.

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

Standard  (Variable)  Rates. Except  as  otherwise  stated  in  this  “Standard

(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

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

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

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

each new billing cycle based on changes in the U.S. Prime Rate published in the

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

“Markets  Lineup”  section  of  The  Wall  Street  Journal

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

(“Prime”).  Your

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

corresponding APRs, divided by 12 and truncated to the next one-thousandth

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

percentage point will be your monthly periodic rates. Your rates will not exceed

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

the maximum we are allowed to charge under applicable law. We will use the value

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

of  Prime  published  on  the  last  business  day  of  each  calendar  month  (the

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

“Determination Date”) in order to calculate your APRs in effect from the first day

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

through the last day of your billing cycle ending in the calendar month following

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

the  Determination  Date.  If  more  than  one  Prime  rate  is  published  on  the

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

Determination Date, we will use the highest. An increase in your rates will increase

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

your interest charges and may increase your minimum monthly payment.

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

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

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

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

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

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. 

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

Promise  to  Pay. You  promise  to  pay  us,  in  accordance  with  the  terms  of  this

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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.

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

Billing Statements. We will send or make available a billing statement for each

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

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.

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

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,

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.

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

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. 

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.

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

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

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

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

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

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

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,

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. 

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

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

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

Activity section.

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

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

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

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

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

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

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

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

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

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

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

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;

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;

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

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.

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,

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

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,

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

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

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

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

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

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

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

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,

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

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

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.

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

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.

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

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:

• 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-

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

• 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

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

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

• 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.

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

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

CT

CT

CT

CT

CT

CT

CT

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

Making Payments:

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

off your balance.

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

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance

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

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

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.

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

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

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

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

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

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.

Finance Charges.

Finance Charges.

Finance Charges.

Finance Charges.

Finance Charges.

Finance Charges.

Finance Charges.

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

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

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

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

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

(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). 

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

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

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

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

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

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

statement.

statement.

statement.

statement.

statement.

statement.

statement.

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

Paying Interest:

Paying Interest:

Paying Interest:

Paying Interest:

Paying Interest:

Paying Interest:

Paying Interest:

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

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

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

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. 

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

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

of Balance Transfers.

of Balance Transfers.

of Balance Transfers.

of Balance Transfers.

of Balance Transfers.

of Balance Transfers.

of Balance Transfers.

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

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.

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:

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

Cash Advances.

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:

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

Annual Fee. $75

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.

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

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

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

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

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

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

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.

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

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,

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

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

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

billing cycles. 

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

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

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

$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.

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,

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

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

Agreement.

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

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

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

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.

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

Account Use by Others. Think carefully before you lend your card or authorize

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

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

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.

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,

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

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

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

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

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,

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

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

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

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

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

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.

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

Default/Entire Balance Due. You will be in default if you fail to pay at least the

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

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

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

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

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.

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

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

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

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

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

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

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.

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

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

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

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

promise to provide current financial information upon our request. We may report

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,

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

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.

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.

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

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.

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

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

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.

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.

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

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.

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

card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
card  transactions  on  your  credit  card  account,  subject  to  a  very  few
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
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
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
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,
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
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
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
cancellation  code  from  the  merchant  to  avoid  or  limit  any  charges  in
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
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
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
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
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.
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
Assignment. We  may  assign  any  or  all  of  our  rights  under  this  Agreement,
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.
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
Captions. Captions  used  in  this  Agreement  are  intended  solely  as  aids  to
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.
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
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
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
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
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
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.
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
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
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,
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
deny  authorization  for  any  internet  gambling  transactions,  any  internet
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
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
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
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
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
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
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.
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)
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
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
(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
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
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.
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
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
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. 
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
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
Awarding Travel Points. On each monthly billing cycle closing date we will
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
award one travel point to your Visa Signature points account for each net dollar
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
in  new  purchases  posted  to  your  Visa  Signature  card  account  during  that
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
monthly  billing  period.  However,  we  reserve  the  right  NOT  to  award  points  or
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this
allow redemption of points if you are in default under any of the terms of this

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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
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
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
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
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
not waive our right to enforce them at a later time nor require further notice
not waive our right to enforce them at a later time nor require further notice
not waive our right to enforce them at a later time nor require further notice
not waive our right to enforce them at a later time nor require further notice
not waive our right to enforce them at a later time nor require further notice
to you before we enforce them. We will subtract one point from your
to you before we enforce them. We will subtract one point from your
to you before we enforce them. We will subtract one point from your
to you before we enforce them. We will subtract one point from your
to you before we enforce them. We will subtract one point from your
account for each dollar in returned purchase credits. Points m ay be
account for each dollar in returned purchase credits. Points m ay be
account for each dollar in returned purchase credits. Points m ay be
account for each dollar in returned purchase credits. Points m ay be
account for each dollar in returned purchase credits. Points m ay be
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.
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
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
awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on
awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on
awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on
awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on
awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on
December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we
December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we
December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we
December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we
December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we
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
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
forfeited. 
forfeited. 
forfeited. 
forfeited. 
forfeited. 
Redeeming Points. We contract with a travel agency to provide Visa Signature
Redeeming Points. We contract with a travel agency to provide Visa Signature
Redeeming Points. We contract with a travel agency to provide Visa Signature
Redeeming Points. We contract with a travel agency to provide Visa Signature
Redeeming Points. We contract with a travel agency to provide Visa Signature
services. You authorize us to share information concerning your account
services. You authorize us to share information concerning your account
services. You authorize us to share information concerning your account
services. You authorize us to share information concerning your account
services. You authorize us to share information concerning your account
with  the  travel  agency,  its  employees  and  representatives  (collectively,  the
with  the  travel  agency,  its  employees  and  representatives  (collectively,  the
with  the  travel  agency,  its  employees  and  representatives  (collectively,  the
with  the  travel  agency,  its  employees  and  representatives  (collectively,  the
with  the  travel  agency,  its  employees  and  representatives  (collectively,  the
“Agency”), including but not limited to any and all information reflected on your
“Agency”), including but not limited to any and all information reflected on your
“Agency”), including but not limited to any and all information reflected on your
“Agency”), including but not limited to any and all information reflected on your
“Agency”), including but not limited to any and all information reflected on your
Visa Signature card account statement and recent transactions on your Visa
Visa Signature card account statement and recent transactions on your Visa
Visa Signature card account statement and recent transactions on your Visa
Visa Signature card account statement and recent transactions on your Visa
Visa Signature card account statement and recent transactions on your Visa
Signature card account. This information is shared in accordance with our Privacy
Signature card account. This information is shared in accordance with our Privacy
Signature card account. This information is shared in accordance with our Privacy
Signature card account. This information is shared in accordance with our Privacy
Signature card account. This information is shared in accordance with our Privacy
Notice in this Agreement. The Agency will charge you fees (for which we will
Notice in this Agreement. The Agency will charge you fees (for which we will
Notice in this Agreement. The Agency will charge you fees (for which we will
Notice in this Agreement. The Agency will charge you fees (for which we will
Notice in this Agreement. The Agency will charge you fees (for which we will
not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,
not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,
not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,
not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,
not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,
whether or not you are redeeming Visa Signature points. You may not use
whether or not you are redeeming Visa Signature points. You may not use
whether or not you are redeeming Visa Signature points. You may not use
whether or not you are redeeming Visa Signature points. You may not use
whether or not you are redeeming Visa Signature points. You may not use
Visa Signature points to pay the Agency’s fees.
Visa Signature points to pay the Agency’s fees.
Visa Signature points to pay the Agency’s fees.
Visa Signature points to pay the Agency’s fees.
Visa Signature points to pay the Agency’s fees.
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,
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
addition,  you  must  have  the  minimum  number  of  points  required  for
addition,  you  must  have  the  minimum  number  of  points  required  for
addition,  you  must  have  the  minimum  number  of  points  required  for
addition,  you  must  have  the  minimum  number  of  points  required  for
addition,  you  must  have  the  minimum  number  of  points  required  for
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
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
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
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
conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature
conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature
conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature
conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature
conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature
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
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.
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
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
Signature points may be redeemed only for travel services and only through
Signature points may be redeemed only for travel services and only through
Signature points may be redeemed only for travel services and only through
Signature points may be redeemed only for travel services and only through
Signature points may be redeemed only for travel services and only through
the Agency designated by us. Visa Signature points have no cash value. They are
the Agency designated by us. Visa Signature points have no cash value. They are
the Agency designated by us. Visa Signature points have no cash value. They are
the Agency designated by us. Visa Signature points have no cash value. They are
the Agency designated by us. Visa Signature points have no cash value. They are
not redeemable for cash, cannot be bought or sold, nor can they be used as
not redeemable for cash, cannot be bought or sold, nor can they be used as
not redeemable for cash, cannot be bought or sold, nor can they be used as
not redeemable for cash, cannot be bought or sold, nor can they be used as
not redeemable for cash, cannot be bought or sold, nor can they be used as
payment for any obligation you owe to us. 
payment for any obligation you owe to us. 
payment for any obligation you owe to us. 
payment for any obligation you owe to us. 
payment for any obligation you owe to us. 
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
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
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
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
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
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
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
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
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

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

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

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

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

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

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

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

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:

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

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

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. 

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

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

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

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

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;

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

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

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

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

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

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

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

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

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

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

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

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.

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

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

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.

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

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

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

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-

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

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

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

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

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

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

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

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

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

8
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8

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M-107495  12/12

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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-

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

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..

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

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,

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

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

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

following:

following:

following:

following:

following:

• 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

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;

• 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

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

opened;

opened;

opened;

opened;

opened;

• 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;

• 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;

• 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;

• 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

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;

• 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;

• 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

with us.

with us.

with us.

with us.

with us.

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

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

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

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

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

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

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,

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

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

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

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

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

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

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

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

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

be enforced.

be enforced.

be enforced.

be enforced.

be enforced.

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

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

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,

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

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:

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

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

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

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

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

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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

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

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

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

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

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.

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

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

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

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

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.

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)

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

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

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.

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

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

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

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

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

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,

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

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

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.

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

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

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

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’

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

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

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

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

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,

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

to apply.

to apply.

to apply.

to apply.

to apply.

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

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

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

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

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.

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

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.

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

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

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

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

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

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

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

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

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

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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

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

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

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

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.

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

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 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

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

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

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

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

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’

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,

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

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,

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

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

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

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

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,

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

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

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

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 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

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

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

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

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,

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

to

to

to

to

to

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

us the following information: 

us the following information: 

us the following information: 

us the following information: 

us the following information: 

• 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.

• 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.

• 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

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.

You must contact us:

You must contact us:

You must contact us:

You must contact us:

You must contact us:

• 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.

• 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

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.

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

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

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.

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

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:

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

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.

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

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.

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:

• 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

on that amount.

on that amount.

on that amount.

on that amount.

on that amount.

• 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

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.

• 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

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.

• 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.

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:

• 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

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.

• 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

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

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

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

owe.

owe.

owe.

owe.

owe.

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

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

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.

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

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

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

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.

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

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

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

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

purchase.

purchase.

purchase.

purchase.

purchase.

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:

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

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

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 

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 

goods or services.)

goods or services.)

goods or services.)

goods or services.)

goods or services.)

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. 

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.

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,

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-

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

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

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. 

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

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.

FIRST TENNESSEE VISA® SIGNATURE

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

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

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

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

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

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

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

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

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

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

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

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

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

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.

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

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

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

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

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

forfeited. 

forfeited. 

forfeited. 

forfeited. 

forfeited. 

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

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,

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

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

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

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

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

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

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

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

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.

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

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

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

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

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

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

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

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

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

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

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

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

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
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
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
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
account as a purchase. 
account as a purchase. 
account as a purchase. 
account as a purchase. 
account as a purchase. 
Program  Restrictions  and  Other  Considerations. Certain  restrictions  and
Program  Restrictions  and  Other  Considerations. Certain  restrictions  and
Program  Restrictions  and  Other  Considerations. Certain  restrictions  and
Program  Restrictions  and  Other  Considerations. Certain  restrictions  and
Program  Restrictions  and  Other  Considerations. Certain  restrictions  and
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
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
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:
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
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
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. 
Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature
Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature
Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature
Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature
Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature
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
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
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
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;
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
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
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
participation in the program, and rules for earning, redeeming or forfeiting Travel
participation in the program, and rules for earning, redeeming or forfeiting Travel
participation in the program, and rules for earning, redeeming or forfeiting Travel
participation in the program, and rules for earning, redeeming or forfeiting Travel
participation in the program, and rules for earning, redeeming or forfeiting Travel
Points at any time, even though such changes may prevent your use of the Travel
Points at any time, even though such changes may prevent your use of the Travel
Points at any time, even though such changes may prevent your use of the Travel
Points at any time, even though such changes may prevent your use of the Travel
Points at any time, even though such changes may prevent your use of the Travel
Points you have accumulated.
Points you have accumulated.
Points you have accumulated.
Points you have accumulated.
Points you have accumulated.
ARBITRATION PROVISION
ARBITRATION PROVISION
ARBITRATION PROVISION
ARBITRATION PROVISION
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
PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION
ARBITRATION:
ARBITRATION:
ARBITRATION:
ARBITRATION:
ARBITRATION:
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
CLAIMS 
INSTEAD  OF  COURT
CLAIMS 
INSTEAD  OF  COURT
CLAIMS 
INSTEAD  OF  COURT
CLAIMS 
INSTEAD  OF  COURT
CLAIMS 
INSTEAD  OF  COURT
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
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
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
WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN
WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN
WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN
WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN
WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN
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.
FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE
FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE
FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE
FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE
FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE
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
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.
Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as
Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as
Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as
Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as
Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as
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
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
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-
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
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
mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This
mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This
mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This
mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This
mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate
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
Act (the FAA).
Act (the FAA).
Act (the FAA).
Act (the FAA).
Act (the FAA).
Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the
Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the
Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the
Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the
Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the
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
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
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
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

(SUBJECT  TO  SOME  EXCEPTIONS), 
(SUBJECT  TO  SOME  EXCEPTIONS), 
(SUBJECT  TO  SOME  EXCEPTIONS), 
(SUBJECT  TO  SOME  EXCEPTIONS), 
(SUBJECT  TO  SOME  EXCEPTIONS), 

8

8

8

8

8

9
9
9
9
9

12

12

12

12

12

M-107495  12/12

13

13

13

13

13

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-

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

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..

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

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,

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

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

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

following:

following:

following:

following:

following:

• 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

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;

• 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

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

opened;

opened;

opened;

opened;

opened;

• 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;

• 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;

• 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;

• 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

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;

• 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;

• 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

with us.

with us.

with us.

with us.

with us.

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

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

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

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

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

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

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,

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

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

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

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

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

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

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

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

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

be enforced.

be enforced.

be enforced.

be enforced.

be enforced.

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

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

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,

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

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:

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

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

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

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

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

10

10

10

10

10

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

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

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

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

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

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.

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

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

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

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

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.

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)

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

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

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.

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

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

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

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

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

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,

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

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

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.

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

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

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

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’

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

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

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

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

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,

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

to apply.

to apply.

to apply.

to apply.

to apply.

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

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

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

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

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.

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

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.

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

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

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

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

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

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

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

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

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

11

11

11

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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

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

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

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

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.

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

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 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

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

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

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

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

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’

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,

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

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,

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

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

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

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

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,

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

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

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

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 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

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

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

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

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,

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

to

to

to

to

to

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

us the following information: 

us the following information: 

us the following information: 

us the following information: 

us the following information: 

• 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.

• 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.

• 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

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.

You must contact us:

You must contact us:

You must contact us:

You must contact us:

You must contact us:

• 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.

• 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

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.

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

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

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.

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

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:

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

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.

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

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.

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:

• 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

on that amount.

on that amount.

on that amount.

on that amount.

on that amount.

• 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

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.

• 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

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.

• 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.

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:

• 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

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.

• 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

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

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

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

owe.

owe.

owe.

owe.

owe.

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

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

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.

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

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

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

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.

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

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

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

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

purchase.

purchase.

purchase.

purchase.

purchase.

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:

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

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

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 

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 

goods or services.)

goods or services.)

goods or services.)

goods or services.)

goods or services.)

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. 

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.

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,

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-

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

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

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. 

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

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.

FIRST TENNESSEE VISA® SIGNATURE

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

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

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

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

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

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

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

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

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

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

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

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

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

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.

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

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

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

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

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

forfeited. 

forfeited. 

forfeited. 

forfeited. 

forfeited. 

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

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,

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

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

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

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

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

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

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

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

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.

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

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

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

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

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

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

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

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

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

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

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

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

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

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

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

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

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

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

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

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:

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

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

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. 

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

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

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

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

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;

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

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

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

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

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

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

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

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

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

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

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

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.

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

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

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.

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

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

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

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-

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

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

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

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

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

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

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

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

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

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-
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
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..
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
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,
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
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
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
following:
following:
following:
following:
following:

• 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
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;
• 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
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
opened;
opened;
opened;
opened;
opened;
• 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;
• 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;
• 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;
• 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
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;
• 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;
• 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
with us.
with us.
with us.
with us.
with us.

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this
All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this
All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this
All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this
All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this
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
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
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
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
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
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,
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
asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other
asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other
asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other
asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other
asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other
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
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
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
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
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
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
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
be enforced.
be enforced.
be enforced.
be enforced.
be enforced.
Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration
Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration
Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration
Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration
Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration
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
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,
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
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:
American Arbitration Association
American Arbitration Association
American Arbitration Association
American Arbitration Association
American Arbitration Association
Case Filing Services
Case Filing Services
Case Filing Services
Case Filing Services
Case Filing Services
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
Voorhees, NJ  08043
Voorhees, NJ  08043
Voorhees, NJ  08043
Voorhees, NJ  08043
Voorhees, NJ  08043
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
http://www.adr.org
http://www.adr.org
http://www.adr.org
http://www.adr.org
http://www.adr.org

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

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

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

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

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

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.

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

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

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

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

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.

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)

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

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

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.

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

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

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

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

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

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,

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

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

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.

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

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

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

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’

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

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

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

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

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,

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

to apply.

to apply.

to apply.

to apply.

to apply.

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

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

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

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

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.

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

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 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

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

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

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

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

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’

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,

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

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,

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

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

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

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

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,

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

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

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

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 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

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

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

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

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,

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

to

to

to

to

to

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

us the following information: 

us the following information: 

us the following information: 

us the following information: 

us the following information: 

• 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.

• 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.

• 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

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.

You must contact us:

You must contact us:

You must contact us:

You must contact us:

You must contact us:

• 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.

• 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

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.

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

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

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.

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

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:

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

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.

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

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.

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:

• 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

on that amount.

on that amount.

on that amount.

on that amount.

on that amount.

• 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

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.

• 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

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.

• 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.

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:

• 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

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.

• 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

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

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

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

owe.

owe.

owe.

owe.

owe.

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

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

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.

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

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

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

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.

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

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

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

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

purchase.

purchase.

purchase.

purchase.

purchase.

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:

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

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

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 

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 

goods or services.)

goods or services.)

goods or services.)

goods or services.)

goods or services.)

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. 

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.

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,

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-

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

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

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. 

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

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.

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M-107495  12/12

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FIRST TENNESSEE VISA® SIGNATURE

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

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

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

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

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

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

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

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

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

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

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

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

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

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.

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

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

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

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

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

forfeited. 

forfeited. 

forfeited. 

forfeited. 

forfeited. 

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

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,

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

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

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

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

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

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

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

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

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.

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

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

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

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

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

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

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

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

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

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

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

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

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

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

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

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

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

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

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

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:

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

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

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. 

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

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

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

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

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;

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

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

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

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

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

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

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

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

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

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

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

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.

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

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

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.

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

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

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

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-

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

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

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

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

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

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

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

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

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

8

8

8

8

8

9

9

9

9

9

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-

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

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..

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

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,

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

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

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

following:

following:

following:

following:

following:

• 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

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;

• 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

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

opened;

opened;

opened;

opened;

opened;

• 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;

• 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;

• 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;

• 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

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;

• 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;

• 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

with us.

with us.

with us.

with us.

with us.

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

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

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

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

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

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

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,

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

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

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

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

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

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

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

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

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

be enforced.

be enforced.

be enforced.

be enforced.

be enforced.

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

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

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,

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

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:

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

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

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

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

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

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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
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
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
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
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
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.
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
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
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
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
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.
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)
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
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
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.
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
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
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
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
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
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,
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
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
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.
Severability. The parties to this Arbitration Provision acknowledge that the Class
Severability. The parties to this Arbitration Provision acknowledge that the Class
Severability. The parties to this Arbitration Provision acknowledge that the Class
Severability. The parties to this Arbitration Provision acknowledge that the Class
Severability. The parties to this Arbitration Provision acknowledge that the Class
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
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
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’
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
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
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
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
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,
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
to apply.
to apply.
to apply.
to apply.
to apply.
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
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
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
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
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.
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
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.
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
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
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
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
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
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
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
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
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

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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

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

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

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

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.

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the

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 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

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

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

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

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

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’

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,

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

regardless of who prevails.

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,

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

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

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

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

jurisdiction.

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)

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,

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

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

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

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 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

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

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

Credit Billing Act.

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

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,

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 

to

to

to

to

to

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

us the following information: 

us the following information: 

us the following information: 

us the following information: 

us the following information: 

• 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.

• 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.

• 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

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.

You must contact us:

You must contact us:

You must contact us:

You must contact us:

You must contact us:

• 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.

• 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

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.

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

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

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.

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

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:

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

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.

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

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.

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:

• 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

on that amount.

on that amount.

on that amount.

on that amount.

on that amount.

• 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

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.

• 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

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.

• 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.

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:

• 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

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.

• 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

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

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

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

owe.

owe.

owe.

owe.

owe.

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

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

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.

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

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

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

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.

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

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

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

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

purchase.

purchase.

purchase.

purchase.

purchase.

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:

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

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

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 

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 

goods or services.)

goods or services.)

goods or services.)

goods or services.)

goods or services.)

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. 

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.

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,

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-

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

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

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. 

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

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.

FIRST TENNESSEE VISA® SIGNATURE

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

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

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

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

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

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

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

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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

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

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

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

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

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

not waive our right to enforce them at a later time nor require further notice

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

to you before we enforce them. We will subtract one point from your

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

account for each dollar in returned purchase credits. Points m ay be

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.

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

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

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

awarded  in  January  2013,  if  not  redeemed,  will  expire  and  be  forfeited  on

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

December  31,  2016.  If  you  close  your  Visa  Signature  card  account,  or  if  we

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

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

forfeited. 

forfeited. 

forfeited. 

forfeited. 

forfeited. 

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

Redeeming Points. We contract with a travel agency to provide Visa Signature

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

services. You authorize us to share information concerning your account

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

with  the  travel  agency,  its  employees  and  representatives  (collectively,  the

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

“Agency”), including but not limited to any and all information reflected on your

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Visa Signature card account statement and recent transactions on your Visa

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Signature card account. This information is shared in accordance with our Privacy

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

Notice in this Agreement. The Agency will charge you fees (for which we will

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

not  reimburse  you)  for  transactions  that  you  conduct  through  the  Agency,

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

whether or not you are redeeming Visa Signature points. You may not use

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

Visa Signature points to pay the Agency’s fees.

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,

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

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

addition,  you  must  have  the  minimum  number  of  points  required  for

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

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

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

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

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

conditions,  you  may  redeem  your  travel  points  by  calling  the  Visa  Signature

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

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.

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

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

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

Signature points may be redeemed only for travel services and only through

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

the Agency designated by us. Visa Signature points have no cash value. They are

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

not redeemable for cash, cannot be bought or sold, nor can they be used as

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

payment for any obligation you owe to us. 

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

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

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

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

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

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

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

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

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

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

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

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

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

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

account as a purchase. 

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

Program  Restrictions  and  Other  Considerations. Certain  restrictions  and

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

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

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:

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

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

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. 

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

Termination  and  Modification. We  may  terminate  or  modify  the  Visa  Signature

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

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

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

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;

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

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

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

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

participation in the program, and rules for earning, redeeming or forfeiting Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points at any time, even though such changes may prevent your use of the Travel

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

Points you have accumulated.

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

ARBITRATION PROVISION

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

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

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

CLAIMS 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

(SUBJECT  TO  SOME  EXCEPTIONS), 

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

INSTEAD  OF  COURT

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

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

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

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

WOULD  HAVE  IN  COURT  THAT  MAY  BE  LIMITED  OR  UNAVAILABLE  IN

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.

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

FEES  AND  EXPENSES  OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE

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

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.

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

Agreement  to  Arbitrate. Upon  the  election  of  either  you  or  us,  any  Claims  (as

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

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

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-

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

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

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate

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

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Act (the FAA).

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

Definitions  for  Arbitration  Provision. As  used  in  this  Arbitration  Provision,  the

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

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

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

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

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-

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

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..

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

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,

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

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

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

following:

following:

following:

following:

following:

• 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

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;

• 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

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

opened;

opened;

opened;

opened;

opened;

• 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;

• 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;

• 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;

• 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

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;

• 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;

• 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

with us.

with us.

with us.

with us.

with us.

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

All  Claims  Subject  to  Arbitration  Provision. All  Claims  are  subject  to  this

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

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

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

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

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

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,

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

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

asserted  as  an  individual  claim  or  as  part  of  a  class  action  or  other

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

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

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

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

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

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

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

be enforced.

be enforced.

be enforced.

be enforced.

be enforced.

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

Initiation  of  Arbitration. The  party  electing  arbitration  must  use  the  arbitration

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

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,

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

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:

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

American Arbitration Association

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

Case Filing Services

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

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

Voorhees, NJ  08043

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

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

http://www.adr.org

10

10

10

10

10

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

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

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

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

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

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.

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

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

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

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

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.

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)

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

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

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.

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

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

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

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

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

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,

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

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

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.

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

Severability. The parties to this Arbitration Provision acknowledge that the Class

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

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

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’

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

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

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

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

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,

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

to apply.

to apply.

to apply.

to apply.

to apply.

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

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

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

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

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.

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

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.

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

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

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

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

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

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

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

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

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

11

11

11

11

11

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
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
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
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
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.
Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the
Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the
Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the
Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the
Costs  of  Arbitration. You  and  we  will  be  responsible  for  paying  the  fees  of  the
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 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
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
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
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
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
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’
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,
regardless of who prevails.
regardless of who prevails.
regardless of who prevails.
regardless of who prevails.
regardless of who prevails.
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,
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
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
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
arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having
arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having
arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having
arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having
arbitration  award  will  be  enforceable  under  the  FAA  by  any  court  having
jurisdiction.
jurisdiction.
jurisdiction.
jurisdiction.
jurisdiction.
Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)
Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)
Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)
Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)
Survival  of  Arbitration  Provision. This  Arbitration  Provision  shall  survive:  (i)
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,
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
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
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
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 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
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
Credit Billing Act.
Credit Billing Act.
Credit Billing Act.
Credit Billing Act.
Credit Billing Act.
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
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,
P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 
to
P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 
to
P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 
to
P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 
to
P.O.  Box  1545,  Memphis,  TN  38101-1545.  You  may  also  go 
to
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
us the following information: 
us the following information: 
us the following information: 
us the following information: 
us the following information: 
• 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.
• 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.
• 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
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.

You must contact us:
You must contact us:
You must contact us:
You must contact us:
You must contact us:
• 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.
• 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
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.

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
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
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.
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
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:
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

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.

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

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.

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:

• 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

on that amount.

on that amount.

on that amount.

on that amount.

on that amount.

• 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

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.

• 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

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.

• 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.

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:

• 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

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.

• 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

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

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

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

owe.

owe.

owe.

owe.

owe.

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

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

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.

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

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

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

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.

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

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

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

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

purchase.

purchase.

purchase.

purchase.

purchase.

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:

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

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

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 

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 

goods or services.)

goods or services.)

goods or services.)

goods or services.)

goods or services.)

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. 

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.

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,

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-

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

1545.  You  may  also  contact  us  by  going  to  www.firsttennessee.com  and

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

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. 

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

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.

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M-107495  12/12

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FIRST TENNESSEE VISA® SIGNATURE

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT

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

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

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

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

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

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .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

Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

FIRST Travel Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Awarding Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Redeeming Travel Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

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

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12