Agreement or we have terminate or suspended your credit privileges in
information the Agency concerning your Visa Signatu points balance and credit
assigns. The words you, your and yours refer any Consumer applicant CO
Except for the small claims cour exclusion set forth above. either you we may
Administrator at location within the federal judicial district that includes your
letter We also you we have already corrected the error
FIRST TENNESSEE VISA SIGNATURE
accordance with this Agreement applicable law. Cash Advances. Balance
card ou have obtained any trave edeeming travel
applicant, horized user the account legal representative any of the
appropriate court compel arbitration stay litigation
billing address o some other place agreed upon by you and US. The arbitrator
2 Within 90 days receiving your letter we must either correct the error
or
Transfers convenience checks debit transa initiated by finance
exceeding your point balance matter the will charge
and anyone claiming through such person incident i the account.
Claim even the Claim part f a lawsuit court A party
efforts
onfidential
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believe
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CARDHOLDER AGREEMENT
charges
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The word Consumer means natural person who holds primarily
who has asserted Claim lawsuit may nevertheless elect mandatory
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arbitrator
will
make
any
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timely
While we investigate whether not there has beer an error.
and Disclosures Under The Federal Truth Lending Act
failure
these
conditions
any
time
any
period
time
account
for family household purposes The word Claim means any claim,
arbitration with respect any Claims asserted that lawsuit
written
provide
written
statement
reasons
for
the
award.
We cannot collect the amount question, report you as delinquent
Definitions
right
enforce
them
later
time
the
notice
Program Restrictions and Other Considerations Certain restrictions and
controversy, dispute any kind arising from relating the account
any other party Delay exercising these rights shall not waive such rights
Costs
Arbitration
You
will
be
responsible
for
paying
the
fees
of
the
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enforce them We will subtract one point from your
Signature Program You should
relationship
related
account
The
word
Claim
includes
but
arbitration
rights
with
respect
particular
Claim
shall
not
arbitrator
fees
charged
by
the
according
to
The
charge
question
may
remain
on
your
statement,
and
we
may
Using Your
account
each
dollar
returned
purchase
credits
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Visa
Signature
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at
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for
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current
program
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any
claim
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waive our right demand arbitration any other Claim the
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charge
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amount
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then
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balance
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Class Waiver set below still applies
amount against your credit limit
Billing Statements
2014. not redeemed will expire and be forfeited on
flights.
any
isements
disclosures
or
other
communications
Class
Jury
Waiver.
You
and
we
hereby
knowingly
and
voluntarily
(1)
that
greate
than
After we finish our investigation. one two things will happen
December 31, 2017. you close your Visa Signature card if we
Effects Minimum Payments
Termination and Modification. We may terminate modify the Visa Signature
relating the account, whether made before 01 after the account was
action
waive
the
ight t
offer
shall
have
the
pay
your
made mistake: You not have pay the amount in question or
Payments
terminate suspend your credit privileges accordance with this Agreement
without
and
affecting
jury any and Claims Claim submitted arbitration
and costs each party bea own fees and costs
any
interest
other
fees
related
or applicable law, then all accumulated points not yet redeemed will be
your US your credit card for Purchases Balance Transfers
the opening administration and mination of the account
class
action
private
attorney
who
nistake:
have
pay
the
amount
Calculation
forfeited.
By
accumulating
you
have
the
right
act
or
articipate
Arbitration
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final
and
the
question,
along
applicable
interest
fees.
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will
Form
Advances
under
this
Agreement
Points.
any transactions involving the account
with
and
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acquire right with respect to such oth program
any interest, fees and other charges the account
claimants with respect any Claim to
appeal the FAA Costs the
the
owe
the
date
payment
due
may
account
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and may rely upon the continued effectiveness availability of
(Class Action Waiver). Any Claim resolved by arbitration shall
Visa Transfer
products
(whether
employees and representatives (collectively the "Agency" including but
provided
by
us
third
party)
related
arbitration
then you as delinquent you do not pay the amount we think you
Finance Charges
otherwise unicated redemption terms We
arbitrated individual basis single arbitrator. The arbitrator
not limited any and information reflected on your Visa Signature card
to o
offered
in connection
the
account
award subject judicial review only provided by the FAA
cancel change program benefits. redemption levels. conditions
to Claims limited to Claims between you and US alone. and the
award will be enforceable under the FAA by any court having
Currency
Visa
disclosure
about
you
the
transactions
account
arbitrator authority make awards is limited you alone
receive our explanation but stil believe your bill wrong you write to
your
program,
earning,
jurisdiction.
This information shared in with our Privacy Notic this
any time even though such changes may prevent your use of the Points you
any other matters relating the account or your credit card relationship
Claims brought by you agains us or by US against you may not be or
us within days us that you refuse pay you
Paying
Agreement The Agency will charge you fees (for which will not reimburse
with Claims brought than
Survival
Arbitration
Provision
This
Arbitration
Provision
shall
survive:
(i)
report
without
also
reporting
that
are
you
bill.
Balance
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changes the Agreement related agreements programs
tell you name anvonet whom we reporte and
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All Claims Subject Arbitration Provision All Claims are subject to this
you, agreed writing by parties.
Cash
ARBITRATION PROVISION
and t relationship between vou an concerning the account
let know when the natter has been settled between
Calculating
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redeeming Visa Signature points You may not use Visa Signature points
ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION
regardless whether the Claim:
Severability
The
parties
this
Arbitration
acknowledge
that
the
Class
(ii)
bankruptcy
of any
and
(III
any
sale.
or
follow the not have pay the
to
pay
the
Agency'
fees
CAREFULLY PROVIDES MANDATORY ARBITRATION OF
now
(whether
(ii)
Action
material
and
essential
the
arbitration
of the
account
any
amounts
owed
the
account.
Any
different
you even your bill correct
Balance
Balance
redeem points your Visa Signature card account open
on theory contract tort (including intentional tort) negligence, agency
the
parties
from
this
Arbitration
the
agreement regarding arbitration Claims be agreed writing
Cash
active and status according the terms this Agreement In
other
liability
fraud,
statute.
regulation.
constitution.
Action
limited
found
unenforceable
Your Rights You Are Dissatisfied With Your Credit Card Purchases
Waiver
voided
then
the
Other
Charges
addition, you must have the minimum number for
PURSUE
THAT
CLAIM
f law equity seeks monetary damages
arbitrate
(except
for
shall
null
and
void
with
Your Billing Rights: Keep this Document for Future Use
with
the
goods
that
be
you
have
with
BEFORE
JURY
this
redemption published Visa Signature guidelines our website at
YOU
the remedy relief: (iv) asserted initial claim
This notice tells you about your rights and our responsibilities under the Fair
your card and have good faith the problem with the
respect such proceeding subject to the right appeal the limitation
com Our failure enforce these any time
THAT
MAY
crossclaim. interpleader action. third-party claim other action:
the Action Waiver. The parties agree that
Credit
Billing
Act
you may have the right not pay the remaining amount due on the
Fee
LIMITED
and any period will not waive our right to later
asserted
individual
claim
will action be rbitrated any portion
What Do l You Find Mistake On Your Statement
purchase
Collection
Costs
nor require further notic you before we enforce them Subject those
To
and
Attorneys
Fees
AND
MAY
(Any
asserted
Arbitration Provision other than the Class Action Waiver. cannot be enforced
outhink is an error on your statement, write to IS at BankCard Center
use
this
right
all
the
following
mus
be
true
HIGHER
Security
conditions may redeem your points by the Signature
THE
collective shall proceed
will be severed. and rest of the Arbitration Provision will continue
P.O.
Box
1545.
Memphis.
TN
You
may
go
to
1. The purchase must have beer made your home state within 100 miles of
Account Others
Service Center 1-888-216-2896. Visa Signature verify
forth
below.
BE
BINDING,
AS
PROVIDED
BELOW
and
and submit transaction dispute You will need t give
your mailing address. and the purchase must have been
Notices
your eligibility redeem the
single multiple which same
election
either
VOL
any
Claims
Procedures and Lav single arbitrator chosen by the Administrator
us the following information
than $50. (Note Neithe these necessary you purchase based on
Due
Arbitrate
Upon
the
US
Points
will
treated
Your
and
mailed t you we own the company that sold
Termination
be
redeemed
Suspension
according
the
Visa
Signature
are
legally
one
person
purpose.
small
resolved
laims
rules
and
the
and
name
account
number
Redemption published the current Visa Signature guidelines.
about whethe disputes subject arbitration
this Arbitration Provision This Arbitration Provision will govern the event
Dollar
amount
The
dollar
amount
suspected
error
goods
services.)
mandatory.
binding
arbitration
The
smal
claims
Signature points may redeemed only through the Agency designated
interpreting this arbitration provision the broadest way the law will allow it to
the
small
individual
conflict with the ator's rules and procedure Discover
Description problem think there error on your bill, describe
and
2. have used your credit card for the purchase
Monitoring
They
not
be enforced
presentative)
Claim
asserted
parties will limited the Administrator' rules and procedures
what believe wrong and why you believe mistake
Claim
not
vet
fully
paid
for
the
purchase
cannot bought sold nor can they be used payment for any
either
Initiation Arbitration The party electing arbitration use the arbitration
The will appli applicable substantive law consisten with the and
You must contact us:
Assignment
and
you
with
the
purchase
obligation
mandatory
arbitration
pursuant
this
Arbitration
This
follow rules except as
of I
and honor
Within days after the error appeared your statement
writing at: BankCard Center P.O Box 1545 Memphis TN
Provision of Travel Services The Agency will provide travel agency
Arbitration
made
pursuant
transaction
this Arbitration Provision Copies current rules
involving
The have the power award any damages other relief that
At least 3
days
before
automated
payment
scheduled
you
Illegal
directly Signature cardholders Those services include describing the
related including how to
governed and under the
available court permitted under the terms and conditions
stoc
payment
on
the
amount
you
think
1545. You may contact by going and
wrong
file Claim, may be obtained contacting as follows:
dispute we investigate, the same rules
flights for the amount points redeem ing, assisting n ticket
Act
this Agreement. but with respect t named parties and the Claims being
You must notify us of any potential errors writing (0 electronically). You may
amount
above
selection making reservations available flights offered by participating
Definitions Arbitration Provision As used in this the
American Arbitration Association
arbitrated. The arbitrator and this Arbitration Provision not subject to
call but yo do we are not required investigate any potential errors and
Visa
Signature
Program
issuing and delivering tickets you have purchased The Agency
following have following definitions The words we our
Case Filing Services
federal
state
rules
procedure
and
evidence
applicable
lawsuits
After we finish our investigation will tell you our decision At that if
may
have
to pay
the
question
Points
will
points
subtract
from
1101 Oak Road. Suite 100
local relating arbitration Either party may choose
think you owe amount and you not pay we may report you delinquent
Bank
National
branded
First
What Will Happen After We Receive Your Letter
Signature points balance We disclaim any the
Voorhees,
08043
Horizon) parent and their direct and indirect
and
represented counsel arbitration may
When we receive your letter must do two things
Program
Other
Considerations
Agency. for provided by airline
affiliates, together with their employees, officers, directors, successors, and
Tol free number: 877-495-4185
telephone parties agree Any arbitration
1. Within 30 days receiving your letter. we must tell you that we received your
and
have selected Our only responsibility this regard provide correct
http://www.ae dr.org
hearing that you attend person will occur at place designated by the
ARBITRATION
8
9
10
12
M-112013
RIGHTS NOTICE
11
13
Agreement and Definitions. This Cardholder Agreement the folder containing
(Variable Rates provision upon amendment of this Agreement the monthly
Transfers Cash Advances Interest Finance Charges and other fees and charge
card via Visa Money Transfer under which you third party may transfer
balances and divide the total the number of days in the billing cycle to
Security Interest Collateral furnished to secure any other credit you may owe us
card transactions on your credit card account. subject to very few
including the ount Opening Disclosure Table on the back the
periodic and APRs used compute the periodic
has balances with different APRs. allocate
funds
Funds
will
appear
statement
Visa
Transfer
but
funds
determine the average daily balance for Purchases We then multiply thi
may secure this account However collateral securing other credit your
exceptions Instead f the merchant for refund the
changes
notices
changes
make
and/or
this
charges
which
subject
lower
APRs
before
balances
subject
higher
within
days
average daily balance the monthly periodic rate that applies Purchases to
personal any claim we might otherwise have treat that
send credit through Visa so that redit
agreement
provided
herein
the
Visa
Signature
idelines
included
on
billing based changes the Prime Rate published i The
APRs.
more
the
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payment.
will
allocate
f receipt.
We
have
the
right t
refuse/ret
transfer
by
determine amount your periodic interest Purchases
for
your account You should retain your copy the credit slip prepared the
application and published and periodically updated
The
Wall
Journal
("Prime")
Your
correspondir
APRs.
divided
and
excess
the
minimum
payment
balances
subject
higher
APRs
before
applicable
law
by
this
Agreement.
Transfer
Balance
determine
this
average
daily
balance
we
start
Account Use by Others Think carefully before you lend your card or authorize
merchant the merchant discloses policy limiting disallowing
bearing
hand-written
electroni
digital
signature
(such
the
percentage
point
will
be
your
balances
subject
lower
APRs
required
by
applicable
law.
this
Finance Charges
Transfer
balance
t the
beginning
each
card
account
You
cannot
limit
that
person's
travel lodging o othe reservations you
application
check
other
periodic
rates
Your
rates
not
exceed
maximum
allowed
charge
any
Period
which
Interest Charges.
We
charges
based
on
the
monthly
cycle subtract any unpaid interest charge and unpaid fees which
account. authority until we
will
bound
the
policy,
and
you
obtain
evidence
indebtedness
on
the
credit
card
account
constitute
the
under
applicable
law
use
the
value
Prime
publishe
business
been
eligible
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payment
method
applies
al
higher
APR
balances
that
apply
Purchase.
Balance
Transfer
and
Cash
Advance
Balance
and
until
recover
the
code from the merchant avoid limit any charges in
governing your credit card account (the Agreement") The words "you"
month
(the
Date
in order
late
APRs
posted
average
daily
balances
interest
charges
will
begin
accrue
on
billing
cycle
subtracting
any
payments
and
credits
applied
Notices to notify anything concerning our credit card account
accordance with that policy. you give merchant continuing authority to
jointly and severally more than one) who
effect
from
the
first
day
through
the
last
day
your
billing
cycle
ending
the
New
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details
and
our
New
Balance
monthly
balances
from
the
date
that
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the
vill
effective
if we
send
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address
they
charge your repeat charges, you must notify the merchant when
applied fo
for
the
account
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"we
calendar
month
Date
appear
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than
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appear your billing statement the Summary
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billing
cycle.
these
daily
balances
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divide
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total
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our u receive notice by other means You
revoke that uthorization f the merchant continues
First Bank National also
published
on
Date
the
highest
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your
his
Agreemen
the
billing
cycle
determine
average
daily
balance
for
if you
change
name
address
telephone
number
o
preserve your billing ights you continue notify promptly
branded
assigns
agents
your interest charges and may increase you minimum monthly
You all o part any time
periodic
interest
charge
alculated
for
billing
means
cycle
the
We
then
multiply
this
daily
balance
the
mon
othe
time your billing statement reflects new charge
f you
word
"card"
each
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Signature
card
payment
the
Minimum
Due
Average Balances
that Balance Transfers to determine the amount of your
BankCard
Center.
P.O.
Box
1545
Memphis
Assignment We may assign any all our rights under this Agreement,
account our property agree surrender
Your on Purchases Balance Transfers and Cash Advances will equal the
less
the
$.00 $.50
Balance
Transfers
ou
Banking
who
This
Agreement
on
you
unless
you
cancel
plus
("Margin
Margin
the
percentage
points
Due
New
full
Other
the
Due
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determine
daily
we
you
Banking
Captions. used this Agreement are intended solely as aids to
after
receiving
the
and
you
not
the Rate the APR Your Margins APRs
the
greatest
New
Balance
your
New
statement the Interest section: except that
Cash
Advance
each
e-mail
following
the
instructions
your
not affect the this
account
This
car
individuals
for
consumer
use
periodic rates Purchas Transfers Cash
the
billing
cycle
any
over
imposed. minimum charge will appear the Fees Charged section of your
any
unpaid
interest
charge
and
unpaid
fees
become
to sole proprietorships, corporations partnerships or limited
Applicable /Severability AND THE
olde
card
which
limit
the
cycle
(d)
$25
plus
fees
(excluding
Cash
statement
(b)
credit
report.
please
OF THIS WIL BE GOVERNED BY FEDERAL
liability companies
Table
the
and
Fees
$0
the
Foreign
Currency
Transactions
If
transaction
on
the
account
subtractir
payments
and
the
Center
Box
1545
Memphis
TN
We
delay
enforcing
Changes Terms. You consent and agree that any time we may add
Promise
Pay.
You
with
the
terms
this
plus
(3)
amounts
past
Visa will convert amount of (whether
Advances
Default/Entire Balance Due You will default you fail
the
any number of times without waiving our rights
conditions
this
Form
Payments
Do
mai
cas
U.S
Dollars
provided
by
Visa
rules
add
these
daily
balances
divide
total
by
days
the
statement,
any this Agreemen found be unenforceable all other
but not limited the Annual Percentage Rate (APR). fees other terms Sucl
and
other
charges,
fees
expenses
incurred
on
connection
with
U.S Dollars drawn on funds deposi
then Currently Visa rules provide that exchange rate the
daily
balance
Cash
term this Agreement any other agreement with
full
force
and
effect
applicable
and
severally
U.S
institution
However,
we
may,
our
option
and
billing
currency
user
then daily balance the monthly that
fraud
or
misrepresentation.
you
are
default
we
by applicable law we may change the terms and conditions of this
Illegal
Transactions
You
agree
not
or
permit
to
made
any
illegal
charges
money draw and impose
by Visa ang
the amount of your periodic interest charge on
fees and charges
Agreement
not
limited
risks
use th card any other
your
account
any
way.
You
transfer
assign
on
you
such
When
for the applicable centra processing date (which
Advances
the
account
allowed
applicable
law
economic
and
market
and
trends.
product
by any other manner We may, but are not required
person
Center.
initiate
electronic
the government
business
make
such
Other Fees Charges:
we
amendments
Non Termination Suspension You may vileges
at
authorization for any internet gambling any
Credit Limit. Your limit appears on the folder containing your card We
check
the
financial
institution
which
central
processing
date
accept
Annual Fee $75
receive advance n and right to opt out may be required by the Agreemen
by
notifying
US
writing.
We
may
terminate
or
suspend
other
transactions
You
agree
credit limit any time Each of your billing
Your
payment
will
appear
will charge you three percent (3%) the
applicable law
Eligibility. Visa Signature Card you must have minimum gross
prior required applicable n the
the account will deemed action and/or
reflect
date
You
which
will
Fee
of
$35.000
any
termination
you
will
immediately
using
the
contract and such event the account and
Using Your Account addition the card we may furnish you checks which
conduct
any
the
balance
your
"BankCard
Center"
the
check
number
the
section
your
billing
statement
The
total
Fee
Cash
Fee
equal to
3%
each
and return destroy the card upon request You will remain
ou discretion You further agree that
agre
checks
new
credit
amount Fee(s) will be shown on your billing
However,
will
less
than
$10
to
pay
account
balance
and
fees
and
charges
according
the
right
for
such
activity
directly
according
any
give
you
stop
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pay
any
amount
that
exceeds
by "payment full imilar language
the
Fees
Charged
section
checks the account You may use your account purchase
more than the allowed by applicable regulation. Each Cash
this Agreement as otherwise agreed between
related agree idemnify and from
Without
additional
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Advances
Advance
will
get
itemized
Cash
Transactions
section
dollar
and/or
your
billing
Credit
Information
credit
and
suits action, liability directly resulting from such illegal use
amount
account
authorizations
for
right the balance
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will
have
period
during
which
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will
total
any
Cash
Advance
Fee(s)
will be
shown
cash from institutions and
other
your
you time credit reporting agencies and until
Lost Cards/Unauthorized Use any card (or
Payment Processing Payments accompanied by the payment coupon other
on
Purchases
you
the
billing
in the
Fees
Charged
section.
the
and
the
account
balance
paid
full.
also
you
think
without
ATMs
may
use
Billing Statements. We send make available billing statement for each
adequate identify the appropriate account proper payments
Payment Due the billing statement each month Otherwise we
purchases
checks.
Balance
Returned Payment Fee. When other payment on your account not
provide upon may report
agre notify calling -800
travelers
chips
and
other
Transfer
Cash
applied
date
received
received
interest
charge
on
average
daily
rules
designate
cash
honored
if there balance
federal holidays by the times
be
otherwise
applied
the credit reporting agencies other creditors
(Collect)
you
outside
the
continental
United
Upo
The
Cash
Period for Balance Transfers There no grace period for Balance
obtained
from
ATM
yo returned payment fee for the first
and who may properly receive such information. in accordance with
you agree provide US such written information as we request
may
The
reflect
each
Purchase,
Balance
Transfer
Cash
received BankCard Center P.O. Box 385 Memphis TN
ATM
will charge on average daily balance
Balance
Payment
Date
occurrence and up $35.00 any additional occurrences in the following six
Notice
investigation
your
New
Due
0385 by 5:00 p.m. (
of Balance Transfers
billing
cycles
Promotions From time time may offer you temporary
Liability Unauthorized Use. You not be liable for any unauthorized use
Purchases
initiated
with
the
card
for
the
purchase
of
Due
Fees
and
other
Payments delivered and processed hy employee at
from participatir (excluding -equivalent
any
alleged
errors
with
Billing
Rights
center.
other
First
Tennessee
that
Advances There for Cash Advances We will impose a
accepts
Payment Fee we do not receive at east the minimum payment due on
the
after You may however be liable for
the
location
periodic charge the average daily balance Cash Advances
Purchases
such payments, by close business location
account by Paymen Due Date show your billir statement we
and your terms resume the time our offer specifies
before
notify
charges
we
designate
as
in this Agreement, consider the statement correct fo all purposes.
by request customer center or
Making Payments
made via First Tennessee' Banking Online website by 8:00 .m
Calculating Average Daily Balance:
you late payment fee fu to $25 for the firs occurrence and to
about
card
VISA SIGNATURE POINTS PROGRAM
determine this daily balance we (a) start with the
any
additional
the
following
six
billing
balance
another
cycles.
and prefer this information
Awarding Points On monthly billing cycle closing date will
or
part
your
with
creditor
Effects Payments If you make only the minimum payment
previous ase balance at the beginning of each new billing cycle
Customer Service P.O. Box 1545 Memphis. TN 38101-154
one Vis Signature points account for dollar
and treated Balance Transfer under this
billing period, you will pay more interest and will take you longer pay
Proper received on day that First Tennessee does not process
Collection Costs and Attorneys Fees Except prohibited by applicable law.
subtract charge and unpaid fees which were included that
you
account
for
any
purpose
is
pay our collection costs and attorneys fees you default under this
allow sixty (60) days your take effect
posted your Visa Signature card account during that monthly
use
check
off
your
balance
later times above will applied the next business
balance
determine
Purchase
balance
each
day
the
billing
cycle
by
Telephone Monitoring. You consent and agree that we may monitor and record
billing period. However we reserve the right NOT award points allow
Transfer under this Agreement
Payments
We
will
determine
at
our
discretion
the
amount
of
and
day Any other payment may not applied until days after receipt
Agreement
subtracting any payments and credits applied the Purchase balance
your
telephone
calls
with
our
employees
contractors
redemption of points you are default under any the terms this
Standard (Variable) Rates. Except as otherwise stated in this "Standard
order which minimum payments will applied Purchases, Balance
Visa Money Transfer You have the ability receive credit transfer your credit
adding new Purchases: and (c) the end billing cycle, add these daily
Merchant Refunds/Credits. Merchants are not allowed make cash refunds for
2
3
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